1015 N 7th St, Grand Junction, Colorado, United States.
Claimant says: I engaged Cliff Kramer to find a home for me to purchase. I explained up front several times (and many other times during my association with Mr. Kramer) that I had only enough money available to find and close a sale within a narrow, limited time frame, that I had a loan pre-approval for a limited amount, and that my time to complete a sale was severely limited based on several factors; I also made it clear that I w
Claimant says: I engaged Cliff Kramer to find a home for me to purchase. I explained up front several times (and many other times during my association with Mr. Kramer) that I had only enough money available to find and close a sale within a narrow, limited time frame, that I had a loan pre-approval for a limited amount, and that my time to complete a sale was severely limited based on several factors; I also made it clear that I was hoping to purchase a home in order to lower my monthly bills to fit into the limited salary ($25,000 annually) at my job which was not enough to cover renting at average area prices (the monthly cost of a mortgage was about one half what I was paying for rent). Instead of showing me a number of properties over the course of one or two days, as I had expected (and had experienced with other realtors), Mr. Kramer dragged the process out over nearly a month, showing me only 2 or 3 properties per trip, on the days he wanted to show property. As as result, not only did interest rates price me out of my loan pre-approval, I also had to spend a good portion of the money I had set aside for closing on an additional month's rent, moving and storing my property. Mr. Kramer also refused to work with the lender who had pre-approved my loan. Due to the delay, an unexpected old debt appeared on my credit report, dropping my score by over 100 points, forcing me to do a new loan application. Although I found a new real estate agent--after a confrontation with Bray & Co, and a new lender, my purchase was delayed by another 30 days. Because my job was as college instructor and not flexible--school starts when it starts--I was unable to find transitional housing or even find another rental at such late notice; it would have been impossible for me to teach four college level courses while living in my car, and I couldn't afford a hotel and still have enough money left over to purchase the new sale on which I then had a contract. As a result, I had no option but to resign my teaching contract, for which I would have been paid $25,000 over the course of the academic year, and ended up living with relatives 300 miles away because without my job I could no longer complete the property purchase. I filed a complaint with the State of Colorado, but that complaint was found unfounded because Mr. Kramer used all the correct forms in a timely manner and does not cover any kind of unethical or harmful behavior. I am still unemployed and homeless, and while I can now collect Social Security Retirement, I have lost my Emergency Unemployment Assistance based on Congress' decision to eliminate that program. As a result of the above described professional negligence on the part of Mr. Kramer, over the course of the last six months I have not only been unemployed and homeless, my family has incurred considerable expense in efforts to assist me, my relationship with my family has deteriorated, my personal and professional reputation has been damaged, my credit score has deteriorated beyond repair, I have been forced to eliminate wellness activities and treatments (Chiropractic maintenance) and put off necessary health treatments (dental work, etc.), drop out of my PhD program indefinitely due to my inability to pay tuition and fees owed and triggering required payment of student loans (previously deferred while I was taking classes), incur high percentage interest fees, penalties, and fines on bills I have been unable to pay, and while I appreciate not having to live in my car, in a shelter, or on the street, found myself living in an unsafe situation which has caused health issues I did not have previously (i.e. allergies to the deteriorating lime based wall plaster and severe dust in the environment of the building where I'm living). If I am unable to find a job very soon, or alternately if Federal Emergency Unemployment Insurance is not re-instated by Congress to give me a couple extra weeks to find work, I will be forced to relinquish my automobile for non-payment of the loan, making my life considerably more difficult than it has already become.
Further, I believe that Mr. Kramer's unprofessional and negligent behavior was based on two key factors: (1) that he would have been much more willing to perform as I had requested and needed and would have been more attentive to my needs and demands had I been seeking a more expensive home providing him a higher commission, and (2) that had I not been a single female to whom he felt superior but a man in a similar situation, he would have treated me more professionally and fairly.