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| | Author | Messages | |
Villages Idiot Savant
Posts:68
 | | 10/08/2007 2:22 PM |
 Alert | Oy Vay!
I tell you. I get back from a great vacation to a sunny beach with great scenery, only to return to the same old bickering and MMQB'ing.
I don't like the delinquencies as much as any of you. BUT, you must all consider that the people who are not paying are not just owner-residents. I would bet that MOST of the delinquencies are from the "for sale" homes owned by investors and the homes in forclosure. There's no way you are going to get any money from those homes until they are occupied. | |
Apparently, the word for a male rooster is offensive.
So fill in the blank.. ____ -a-doodle-do. | |
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| | MaricopaRes
Posts:29
| | 10/08/2007 3:28 PM |
Alert | yes -- you are correct Villages Idiot Savant -- most of the homes are in the categories you mention. To make matters even worse, those people in foreclosure or bankruptcy have no equity in their home. Home prices have declined in the last few years. The primary lender has first priority on the lien, so they get the reduced amount of the foreclosure sale, which is less than the balance of the loan, with nothing left for the secondary lien holders like the HOA. It's not a matter of the HOA just calling delinquent homeowners and getting their money.
If home prices had increased during the last few years, the lien option would mean something in terms of recovery based on foreclosure and sale. Just not so in the current market.
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| | Copa Conscious
Posts:379
| | 10/08/2007 3:29 PM |
Alert | | Define 'most of the homes' . | | | |
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| | MaricopaRes
Posts:29
| | 10/08/2007 3:55 PM |
Alert | What you will find is that almost 100% of the deliquent payments that are ultimately written off are due to foreclosure or bankruptcy. Collecting on the others is more of a long process, encumbered by legal requirements. Ask Pam for the details.
Don't get me wrong. I don't always agree with the HOA. But fair is fair and some of the complaints on this site are just not substantiated by fact. | | | |
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| | Copa Conscious
Posts:379
| | 10/09/2007 9:21 AM |
Alert | <div class='NTForums_Quote'>Posted By MaricopaRes on 10/08/2007 3:55 PM
What you will find is that almost 100% of the deliquent payments that are ultimately written off are due to foreclosure or bankruptcy. Collecting on the others is more of a long process, encumbered by legal requirements. Ask Pam for the details.
Don't get me wrong. I don't always agree with the HOA. But fair is fair and some of the complaints on this site are just not substantiated by fact.</div>
The debt shouldn't be written off. The back HOA fees should transfer to the new buyers.
I am sorry that you all feel that holding people liable for their debt is such a crime. | | | |
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| | MaricopaRes
Posts:29
| | 10/09/2007 10:08 AM |
Alert | It would be nice if the debt could be transferred to a new buyer. However, a foreclosure sale results in a legal and final distribution of funds among the lien holders. The lien holders are paid in a priority order and those not in priority just don't get the money when the foreclosure sale amount is less than the balance owed. The unpaid portion of the debt is not transferrable to a new owner, whether it is owed to the bank or to the HOA or to yet another party.
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|  | Copa Conscious
Posts:379
| | 10/09/2007 10:15 AM |
Alert | I was unaware. It seems to make sense, that HOA fees are excluded from that and should be paid to date by the new owner.
Obviously, this is not the case. | | | |
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| | umtech
Posts:137
| | 10/11/2007 7:25 AM |
Alert | <div class='NTForums_Quote'>Posted By PKMet on 10/09/2007 7:35 AM
Don't get me wrong. I don't always agree with the HOA. But fair is fair and some of the complaints on this site are just not substantiated by fact.
Tell that to the Durpsts. The continued whining and arm chair QB'ing they display is so tired and old. I think they need to retire to Sun City or that 55+ community here with the rest of the old bitties. </div>
You are very funny, and what have you done if nothing to help out except complain about me? I went to the meetings, we are on the budget committee I have proposed cost savings on a new website, what has the board done to help curtail costs? let me tell you NOTHING same thing that your doing! | | | |
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| | PKMet
Posts:243
| | 10/11/2007 10:49 AM |
Alert | | Besides this website you keep talking about, what other FEASIBLE items have actually been considered? Who's going to run this new website if it's passed? | |
They are who we thought they were! | |
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| | umtech
Posts:137
| | 10/11/2007 3:50 PM |
Alert | | Geee as you have told me over and over, show up at a meeting and get involved or get the info from there if you curious, I stepped up to the plate, now you do it or get off my butt | | | |
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| | MaricopaRes
Posts:29
| | 10/11/2007 6:44 PM |
Alert | PKMet -- good question about the admin responsibities. To save a few thousand dollars per year, do we really want to turn over all admin and security responsibilities to a resident?
1. In order to know who should be granted access, admin will need complete, up-to-date master list of all residents, with addresses, etc.
2. If the decision is made to deny access to certain web site features to residents deliquent on HOA fees, admin will need access to payment status.
3. Issues of security, confidentiality, content monitoring, etc. will reside with the admin.
4. For how long will an individual resident do this for no cost?
5. Who will be the admin back-up in event resident admin cannot perform duties for a period of time?
Just a few questions that need to be answered. | | | |
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| | MaricopaRes
Posts:29
| | 10/12/2007 7:51 AM |
Alert | | I have no speculation to offer regarding potential hidden agendas; however, it seems to me not a good idea to give this information and authority to a resident, regardless of his/her intent. | | | |
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| Tooth Fairy
Posts:121
| | 10/12/2007 8:37 AM |
Alert | PK Met and MaricopaRes, on the website all information will be administered by the HOA board. they will be the ones who OK who goes on the website and who does not. we will have no access to that information and that is in the proposal. all control of the website will be by the HOA board and not by us. we will just build the website and turn over control to the board.
The website will belong to the HOA at all times. No charge for the building of the website or maintenance for the first year and if they want to continue it will be 500.00 for the 2nd and all other years.
This proposal is on the table with the board and you can view a copy with Pam at the office.
If you wish to view the proposed website PM me and I will give you a link to see the website and give us input on the design and features.
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Temporary full time wedding planner and mom-in-law to be............. | |
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| | Copa Conscious
Posts:379
| | 10/12/2007 11:34 AM |
Alert | <div class='NTForums_Quote'>Posted By Tooth Fairy on 10/12/2007 8:37 AM
PK Met and MaricopaRes, on the website all information will be administered by the HOA board. they will be the ones who OK who goes on the website and who does not. we will have no access to that information and that is in the proposal. all control of the website will be by the HOA board and not by us. we will just build the website and turn over control to the board.
The website will belong to the HOA at all times. No charge for the building of the website or maintenance for the first year and if they want to continue it will be 500.00 for the 2nd and all other years.
This proposal is on the table with the board and you can view a copy with Pam at the office.
If you wish to view the proposed website PM me and I will give you a link to see the website and give us input on the design and features.
</div>
Sounds like a GREAT way to save some $$$$. Well, to everyone but the conspiracy wackos. | | | |
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| | MaricopaRes
Posts:29
| | 10/12/2007 2:12 PM |
Alert | With this proposed arrangement, we will definitely lose some features, admin will be a more cumbersome task, and all controlling data will have to be maintained separately. What will happen to directory information, discussion forums, payment processing, etc.? I'll be interested in seeing how this will work.
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| | umtech
Posts:137
| | 10/12/2007 2:50 PM |
Alert | Ok since you all think you know it all.
1. The only info I would need, is residents names to verify they live here, however the HOA board is going to control that aspect so I'm out of that picture.
2. No access is needed for any payment access, there is a link to the AAM site, same one that is used now.
3. Security etc will reside with me and the board
4. As for no cost of my services, I offered one year gratis and after that it can be turned over to the HOA, they can go back and spend all they want or they can maintain the board themselves.
5. the only Admin services I provided is that I created the site, the features and links, the HOA board will be trained on the day to day admin of the user's, calender entries and all that stuff that goes with it.'
Its not rocket science that once the board is running, there really is no maintenance that is needed other than backups. If you think that 500 bux a month is a great deal, I'm sure you really don't understand the whole picture. Its not that I want anything other than to help save money. Its funny that you all have the same info about remove funds from reserve to pay bills for the second time this year, and you could care less. Its even funnier that you complained about me to get involved, I did and now your complaining that I'm involved. Makes no sense at all. I suppose that should we go bankrupt, go into receivership that you all would think that is ok? So why is it that your all not too concerned about the funds, you really think that this is ok to have $800 in operating funds to pay over 50k in expenses. I'm sure you most likely do, that's probably how you run your households. I could care less about any of you, its about saving money we don't have. but you all for some reason just can't understand this.
Let me point this out, as for the directory feature and security your all worried about, its funny that we have that now and anyone can get your personal information from that directory were you live, email address reverse lookups and find more info. So what is it that you don't understand? I could care less about any of you and your personal information, who you are where you live etc. Its about saving money and stopping the spending spree. And I suppose its ok we have a budget and we go over that budget by so much that it is causing trouble with us not having funds to pay for things? Seems you are worried about the wrong things here. | | | |
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| | MaricopaRes
Posts:29
| | 10/12/2007 3:12 PM |
Alert | umtech -- I'm not bashing at all, just asking reasonable questions. Either the admin is done as I first suggested or the problems will arise that I mentioned in response to the way you said it will be handled.
I notice that you did not answer my questions regarding your plan about lost features, the potentially cumbersome nature of the admin support, or how the control data will be maintained and coordinated off the server site. And those are just the beginning of concerns people will raise. f you are not prepared to answer those questions well and without your customary rant, then I don't think a reasonable person will approve your plan.
And it's not always about saving money. Lost services and added risk factors concern people also. So calm down, anticipate reasonable questions, and get your act together. | | | |
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| | umtech
Posts:137
| | 10/12/2007 3:25 PM |
Alert | | What lost features would you like to know about? I'd be more than happy to explain. with anything you change, they are not always exactly the same correct? Sure their may be something different or not the same, but that is expected. What admin support is there? people sign up, a board member authenticates them and its done. its not that hard. As for my rant, then how about stop the need to bash on anything I do (not directed at you but still, I'll answer whatever you want) you can view the website, sign up and take a spin if you want. I'm not hiding anything here. Come to the meeting on weds night, I'll be there to answer any questions. believe me, it won't hurt my feelings either way if I do this or not. But I don't understand why homeowners appear to not care about all the other issues? Maybe you could shed some light on your feelings on this? | | | |
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| | umtech
Posts:137
| | 10/12/2007 3:46 PM |
Alert | Since there is so much discussion about security and features, maybe this will help clear some of the confusion up.
1. Directory feature - there is a directory member list feature that will allow the user's name, you can email or PM them. There is no other information provided due to keeping information private other than the user's real name or information they want to give in there profile
2. Administration. The bulk of this will be done by HOA board members, they will be coached and trained on admin features of board. They will be able to grant sub admin or moderator access to the sub committee forums that are in place as well as grant user access etc.
3. Security, the website is hosted at a location in California that is very efficient, has backups, security and all other features that a normal hosting service will have. Backups are of course done at my house including the SQL backups of the data for the forums.
4. If any of you would like to see the website, PM me, I have nothing to hide and would be more than happy to grant you access to view and see for yourself.
5. AAM payments, there is a link to the AAM payment page you can make online payments there if you wish. Same as if you were on the current website. However you can not view your bill online. (1 thing that has changed)
6. There is a calendar feature will allow admins and sub admins to post entries to events in the community
7. Email blast feature will be available to the admins to send out emails to those that sign up for events or other important information they need to give out
8. The forums were designed to allow discussion for sub committees and those to be moderated by admins and the committee chairs if so desired. There are discussion groups for the HOA board, AAM, residents as well in this area.
9. Other website pages on the website now are included, but not completely finished, but are done enough that you would see where this is going, all documents are included on the website as the current one as well.
I'm sure there may be more questions, as I have mentioned PM me and I'd be more than happy to allow you access to the site to view including the forums to check out. There is no hidden agenda I have on this, other than to help out in saving costs. As for those that are worried that things will change, they will somewhat, but I have tried to put the same things into the new site as the current one. | | | |
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| | MaricopaRes
Posts:29
| | 10/12/2007 4:05 PM |
Alert | | I'll look forward to your presentation. I'm just asking questions that I know will be raised and need to be answered. Not everyone will be thinking only about cost savings. Good luck! | | | |
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