Submitted by Due Diligence
Senator Maxine McClean, Minister of Foreign Affairs
LEADER of Government Business in the Senate, Senator Maxine McClean, has lauded the model to be used in the construction of houses in the Oxnards, St. James area as part of Government’s Housing Every Last Person programme – BarbadosAdvocate
The Senator appears not to understand how a home builder finances the construction of homes, and how a home buyer finances/pays for his/her purchase of the home. At the end of the day, once that person gets their mortgage approved, that person does not have access to any funds under the mortgage commitment ”to start to make their payments”. The mortgage lender makes one advance – when the home is completed.
Assuming it has a good credit rating and title to the property, sign off on the agreement and accessing a mortgage (commitment by the home buyer) would allow the home builder/contractor to negotiate financing with its bank to for the cash flow needed to build the home; but the home buyer does not provide working capital into the project, he/she pays for his/her home when it is completed.
My understanding is that it normally works like this…
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The home builder (contractor) buys the land, using its cash as a deposit on the land.
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The home builder then enters a contract with the home buyer, who has secured a commitment for a mortgage to enable him/her to complete the purchase when the home is built. At signing the purchase contract, the home buyer makes a down payment – of say 25% of the purchase price.
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The home builder goes to the bank to arrange a loan, against the security of the property to enable him to fund the cost of building the home.
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When the home is completed, the home buyer goes back to the lender which has committed to the mortgage to draw down the advance of the mortgage – the final 75% of the purchase price – assuming he still qualifies for the mortgage. (if he has lost his job he probably will not qualify).
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The lender’s attorney registers its mortgage on the property of the home being purchased (so it mortgage is registered on title) and lender advances the amount of the mortgage (through its attorney); which is paid to ensure the home builder pays off any money owing on the land and/or the construction cost for that home, so the lender has clear title on the property to secure its mortgage.
In this case, it seems that some Government entity (NHC?) owns/has title to property on which the home will be built; and the small contractor/home builder does not have title to the land. In that model, it will be the entity which has title to the property that will have to make payments to the contractor until the home is completed and the home buyer can get access to the mortgage advance from the mortgage lender to complete the purchase.
If the Leader of Government Business in the Senate, does not understand how a simple mortgage loan to finance a new home is advanced; is it any wonder why the Government does not understand how a country is financed?
Maybe the Senator should limit her interaction with the media to those frequent photo-ops with her chatting with the Ambassador from China and other members of the diplomatic corps in Barbados.
We never have cause to agree with OSA for he and McClean have more in common than we do. However, he once apocryphally stated that Maxine McClean should not be anywhere near government. We are afraid he was and is right.
Would appreciate a critique of Due Diligence’s submission. This is a subject matter which goes over the heads of many our touted education standard notwithstanding.
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This submission is living proof that the truism “a little knowledge is a dangerous thing” is more than justified. I’ll provide a full throated response about the author’s assumptions later.
Clear title to land does not start at NHC, to the builder then to the buyer.
Senator Maxine McClean do not own the land,The Builder , the buyer, the Bank ,none of them own the land
Better Question to ASK who has CLEAR TITLE TO THE LAND? BEFORE THEY EVEN MOVE THE DIRT,
When the government change hands and the Massive land Fraud is in the open for all to see? The government can not pass ACTS or laws to cover up Fraud,
Try going back 70years and run the land back to the Plantation owner to find CLEAR TITLE ,
iF THE LAND IS BAD, The deed is bad , if the builders Lawyer do not do their home work in title history , and the lawyer give bad advice , the builder may take the lawyer to court, the buyer may take the builder to court, the bank better make sure the land has clear title,
The word of the DBLP Governement , NHC, Builder, Bank , and all their lawyers can not be trusted, The new owner will Own no money for his or her Free House, For they will be looking to Defraud the new home owner ,The home owner will be in court to make them all prove a clear title . The owner then will need to find the truth and find the true owner ,
No taxes will be due upon fraud ,for it may still be farm land.Where then rental of land to be paid to the owner.
There are no title companies in Barbados to insure that there are no liens or other owners .People who do title searches are not title companies that will insure or give insurance in case some one comes to knock on your door or for you to end up in court. older the lawyer older the crook and we have some young ones also in the BAR
Defective title
Root of title , WATCH OUT,
Two news items caught the eye this week -the two white youngsters who set the grass fires and Morris Lee head of of the dreaded ZR culture.
The white boys families were seen on television with a body language seeming to say how dare the cameras film the boys court appearance. Well criminals from the majority population appear on tv news nightly. Who the hell you think you are? This case will be followed closely to see if the two wicked youth to get maximum sentence as the rest of us would. Already they have been allowed bail which they should not. It was an act potentially worst than the Campuz Trendz mass murders. Secondly Morris Lee could really shut to hell up. His lobbying for his bunch of terrifying law breaking criminals who masquerade as ZR drivers and conductors is sickening ( a very small few of ZR men are law abiding). The ZR gang are a clear and present threat to the lives of citizens and to law and order in the society. Government’s fuel subsidy should not be restored until the insanity and horror these doped up criminal operators of ZRs visit of the frightened public daily are stopped. Until then Morris Lee the preacher you should be ashamed to show your face in public much less talk foolishness about more government help while threatening to increase fares on the death trap ZR’s you represent.
Due diligence has NOT written what “normally works”.
I will give him a chance to do more investigating while I go out for my morning coffee.
Due said:
“Maybe the Senator should limit her interaction with the media to those frequent photo-ops with her chatting with the Ambassador from China and other members of the diplomatic corps in Barbados.”
No big surprise from Maxine McClean, as long as she does not sign anymore international agreements to allow criminals into Barbados, speaking about what she knows nothing about can always be corrected, and yeah, she should stick to photo ops, they suit here.
Like it is said:
“The white boys families were seen on television with a body language seeming to say how dare the cameras film the boys court appearance.”
I agree, those two little bajan white criminals should not have been allowed bail, they are two pyromaniacs, criminals who deliberately set fires are dangerous to say the least and when they star those actst, they never stop, these two risked the lives of the fire fighters and the public with their wicked act……let’s see how the prosecutor/DPP handles this, he is always ready to send a message to the black youth by jailing them, in this case the ‘white’ youth also needs a message, and yeah, their relatives body language spoke volumes, like if they should never have been arrested in the first place, that shit gotta stop and it starts with the politicians, DPP and police who like to give white criminals on the island a free pass and get out of jail free card..
Sergeant and Hants
David said “Would appreciate a critique of Due Diligence’s submission.”
DD would also welcome your critiques – to let him know where his understanding of how it normally works s incorrect.
@Like it is & Well Well
What on earth have your racist contributions got to do with the original article?
Guest……..what racist what? yall like to call truth racism as long as it does not fall under the aegis of allowing the minority whites to continually do shit in Barbados, commit murder and literally get away with it, how do you like that one, it’s the perfect time to raise the issue since there is no thread on that particular topic, now suck it up shithead, there will be no retraction, particularly from Well Well….and beside,s i gave everyone hell, black , blue and in-between so get used to it, white my ass, who cares.
@Like it is @ Well Well
“….the two white youngsters who set the grass fires ….’
“I agree, those two little bajan white criminals should not have been allowed bail, they are two pyromaniacs, criminals who deliberately set fires …”:
Jeez… whatever happened to innocent until proven guilty. And such racist vitriol from both of you.
The “body language” of the adults accompanying them to court looked more to me like a hare caught in a spotlight as well as embarrassment.
@Well Well
You obviously have serious issues that you should seek help for. You certainly are not well.Anger management is your friend.
Nostradamus…….I usually agree with your insight, but here we are speaking about Barbados, where this minority group believe, and I always blame the majority for allowing them to and encourage them in this belief, that they have a right to do whatever they like on the island and should not be arrested, prosecuted and spend some quality time at Dodd’s for their crimes,, now i know you can’t say that’s not true because you will be uncharacteristically dishonest and that is not like you.
So, I am calling on both you and Guest, to tell me the last time that any white criminals in Barbados were not only arrested , but prosecuted and jailed so that they pay for their crimes, and when was the last time you heard anyone in Barbados, black or minority white say that a black youth or youths were innocent until proven guilty, with all the black youths in Barbados, were these two whites just singled out, we like to beat up on the local police, i do it too, but in this instance i don’t believe the police manufactured evidence or beat those two and got confession……knowing what i know personally of the local white minority females, those two were just itching to tell those camera men don’t come near them, despite what you two believe.
I believe you are wrong about the process.
I think how it works is much more like the Senator says.
The purchaser of the property normally gets a mortgage (have to get a valuation done so the lender knows the property when built will be worth more than the mortgage); the lender makes stage payments to the builder when signed off by the valuer as being appropriate to the work done.
Guest……again, you believe in a myth that is not true, as to any issues you believe i have, they are more yours than mine, if you knew me well, you would be shocked, as i said, yall got to perpetrate a myth in Barbados and still believe it to be true, despite reality coming to bitch slap you in the face…….now let the courts do their job, because you don’t like seeing two white kids charged for a crime, does not mean it’s not happening and that i am in any way racist because of my commenting on truth, and when was the last time you told off the cops for arresting or beating a black youth?
@Due Diligence who wrote “My understanding is that it normally works like this The home builder (contractor) buys the land, using its cash as a deposit on the land.
It used to work like this……”Home Buyer” buys the land. gets bridging loans from a bank, pays the contractor at stages during construction of house ( ground floor then ring beam then roof then completed.)
Then the property is mortgaged.
That is loosely how it was done the last time I was directly involved in building a house in a development in Barbados.
Hants……..i believe it has become a little more involved now, you may not recognize the current environment….. from acquiring investor funding, to building to mortgage, i heard it is now so intertwined that it has become unrecognizable.
Well Well it is no different or involved now if you buy a lot in a development to build a house unless you are trying to build a house you cannot comfortably afford.
I saw some heated boxes that is the Lancaster project that I just cannot fathom someone who is not desperate actually going to the bank and get a mortgage for, by comparison, someone close checked out the Coverley heated boxes that started somewhere around 2+-$300,000 but by the time you are finishing paying the mortgage it would arrive to somewhere around $6-700,000, I don’t believe the builders paid anywhere around that amount to build them or import the many slabs that make up the Coverley project, so just imagine the properties that are high end $4-$500,000 and over, that are not heated boxes.
Nostradamus wrote “Jeez… whatever happened to innocent until proven guilty”
Agreed Nostradamus…….if it applies to the accused blacks that the news media routinely show on TV and in newspaper.
Don’t worry. The “white boys” have disappeared from Nationnews.com and since no one died they will not spend time in Dodds.
“Don’t worry. The “white boys” have disappeared from Nationnews.com and since no one died they will not spend time in Dodds.”
That is exactly the issue here, and even if someone had died the likelihood of these two bajan white pyromaniacs going to prison would be zero…….that is also shameful…AND Guest is just angry that those two were arrested in the first place, i guess he/she will just have to get some anger management treatment…..lol
I tief this from a Nationnews article.
“The BFS figures up to last Wednesday showed there were 973 bush fires compared with 509 this year, while there were 77 cane fires compared with 43 this year.
There is still a bush fire raging in Chile 3 days later, that is how dangerous bush fires are and should be taken VERY SERIOUSLY….don’t care who set it.
@ Well Well | April 15, 2014 at 11:49 AM |
“So, I am calling on both you and Guest, to tell me the last time that any white criminals in Barbados were not only arrested , but prosecuted and jailed so that they pay for their crimes, and when was the last time you heard anyone in Barbados, black or minority white say that a black youth or youths were innocent until proven guilty..”
Your point of there being a system of apartheid when it comes to justice in Barbados is undeniably valid. But you need to ask yourself who is ‘constitutionally’ in charge of the legal and justice systems in the mini apartheid state. Certainly not the melanin deficient ones!
Before you go ‘blaming’ the thrash passing for white just look at the racial hue of those ‘administering the system from the law enforcers to the justice dispensers even to the penal caretakers.
When you do you will see exactly where the ‘blackened’ corruption lies. As you already know money can buy you not only justice but also exemption from the law in Barbados. Just ask the jada man.
miller – tek JADA out of your mouth sunshine. you knows sumtin about bjerkhamn and how dem does get contracts???????
@ Seven Seas | April 15, 2014 at 2:30 PM |
You have proven the point.
Stop blaming the whites. Look for those on the take.
Whites and other ethnic groups can become rich and be above the law in a black governed country called Barbados only with the clear collusion and corruption of the blacks in charge and stupid consumers who will always remain the gloried “educated” civil servants and hewers of wood in those fields still beyond recall.
If Cahill Energy is really just a shop front for Bjerkhamn, Lowe, D Boyce and Sinker then where does the blame lie?
Another thread gone off on an irrelevant tangent.
St. George is correct re the mortgage process. Stage pmts/draw downs are advanced by the lender based on validation by the lender’s QS.
DD should follow his own advice.
Is DD questioning the normal mortgage process or the arrangment which government has with the private contractor.
His 2nd paragraph suggest he is referring to the typical mortgage process.
Is there sufficient information about the model Senator McClean referenced in her comment. What are the details of the model?
There is nothing new about the model Sen. McClean mentioned. It is standard in most building contracts where a developer is providing houses from a set of model units.
Eastern Land Developments, Welches Grove, Port St. Charles all used variations of this model
@BUPPS
A read of the Advocate article gives the impression this a new model based on the Senator’s rapture reflected in the tenor of the article.
@John
There are other companies experimenting with coral sand, Sir Cow heads the list.
What amazes me is that no one has figured out up to now that construction is a dead end economic activity …. even although the price of sand has doubled!!!
I can understand most people missing the point about water I have made repeatedly but sand is about as in your face as it gets.
@ David
It is new for the Gov’t/NHC as they have traditionally built houses i.e Lancaster etc and only made them available on completion.
This approach places a tremendous strain on the cash flow of the developer which might explain among other reasons why the NHC is insolvent.
@ John
What amazes me is that no one has figured out up to now that construction is a dead end economic activity …. even although the price of sand has doubled!!!
++++++++++++++
That can only amaze you because you continue to take BU David’s optimistic approach to the assessment of Bajans.
…the Brass Bowls only amaze Bushie in that we have managed to remain alive to this point…
Corruption always seems to the order of the day in these government and private housing projects.
Miller………I know you missed this part of my first comment..
“that shit gotta stop and it starts with the politicians, DPP and police who like to give white criminals on the island a free pass and get out of jail free card..”
I did concede that it’s the fault of the above who act like the bad carbon copy trying to pass for ‘whites’ in Barbados are really white……..and that the bad carbon copy only get to parade on the island because of the same idiots we know as public officials, as well as the population.
It’s just that Guest gave me an opportunity to stomp all over his/her ass, and I took it, just could not resist. What pisses me off, not anger in the conventional way, is that if you draw any parallels between the treatment to the majority blacks, said treatment being meted out by blacks, which is unfair in contrast to how the ‘whites’ believe they should be treated, and are treated in a majority black country, you are labeled a racist and get this, most often by the same idiot blacks who are discriminated against by their own black people in favor of what is trying to pass for white in Barbados, it’s nasty and disgusting and shameful Miller.
@Like it is; said……..”let’s see how the prosecutor/DPP handles this…
From Barbados Today:
“Promptly rising to his feet, Sargeant Burnett told the court that normally in cases of this nature where the charge was so serious, he would definitely have objected to any bail, but he could not do so on this occasion because “MY SUPERIOR OFFERED BAIL” (my emphasis)
So how you think this will be handled. We won’t even know what ever became of the case.
Thanks to Hants suggestion DD did some further investigating, and it appears I made the incorrect assumption that the Project at Oxnards is a conventional home building project.
My further investigation (Google Search) led me to a book titled Low-cost Housing in Barbados: Evolution Or Social Revolution, published in 2001 by UWI, Mona Campus in Jamaica, and printed in Canada,
It can be viewed at:
http://books.google.ca/books?id=k2kiaI1lDu8C&pg=PA273&lpg=PA273&dq=oxnards+barbados&source=bl&ots=DCSHM3mBZf&sig=ibjEG1phVtWBKKPQJ1lCofCyebk&hl=en&sa=X&ei=C3BNU7CPHNO72QXftYHgBw&ved=0CGkQ6AEwCzgK#v=onepage&q=oxnards%20barbados&f=false
It makes for some interesting, if dated, reading.
At pages 262 to 274 the book discusses Government housing, including at Oxnards, 1980 to 1986.
As David suggested there is insufficient information about the model Senator McClean referenced in her comment.; nor do we have details of the Project at Oxnards. I am just guessing, but it seems likely to me that the Project at Oxnards to which the Senator refers, is an effort to build out 73 NHC lots; but correct me it I am wrong.
In any event I believe it is wishful thinking for the Senator to think that a person buying a house at Oxnards will be able to get their mortgage approved to provide for staged draws on a lot on which title is held by NHC, so they will be able to make staged payments to the small contractor.
We are not talking Port St. Charles or Welches Grove here.
Due……it’s more heated boxes with cost over runs, everyone as usual looking to line their pockets at taxpayer’s expense.
So what is new with this DPP (i guess the DPP’s masters would be the ministers of government) and officials who would sell their very souls and their own people for money, status or just to believe the myth that they are accepted by the minorities who no one in their right minds would want to be associated with and be seen as a sell out or a servant of people who view themselves as superior……..but that’s just me, it’s been going on for so long on the little dot of an island it’s now part of the landscape in Barbados
CLEAR TITLE AND FRAUD TITLE BY WAY OF DBLP AND LAWYERS, SIR ,JUDGES , COURT, LAND SURVEYORS , H&L,
SIX mens 1840 J.L Briggs Esq Owner
Six mens 1840 JW Clarke S.L.S 240 Acres 1 rood SLS
Six mens 1845 JW Clarke SLS
Six Mens , 1870 JW Clarke S .D
Six Mens 1913 CHANDLER , OWNER BARBADOS LIBRARY
Six Mens 1920 BOOK Sir Wm. K Chandler OWNER
Six Mens 1916 LW Clarke S.S
Six Mens 1926 Mount Sixmens CO LTD, lawyers HUTCHINGSON& BANFIELD ST JAMES STREET B’TOWN CITY ST MICHAEL WITNESS, D.G BANFIELD , E.D MOTTLEY = CLEAR TITLE
Six Mens 1926 sold to Beatrice Henry Owner CLEAR TITLE
Six Mens 1991 Welch SLS
Six Mens 1992 Belgrade SLS
WILL OF BEATRICE HENRY 1984 WRITTEN BY SIR SLEEPY SMITH, WHO HAD TO CALL HER AUNT BEATRICE.=FAMILY he a Fraud also
Six Mens 1985 Will to Violet Beckels Owner
WILL PROBATE 1986 HIGH COURT
Six Mens 1985 which is to be Acquired for Housing Development surveyed for the Ministry of Housing Development 120.188sq meters ,Land Surveyor T B Broome =Fraud
LAWYER FRAUD CARRINGTON& SEALY= 238 ACRES 3 ROODS 35 PERCHES
Six Mens 2000 MOUNT SIXMENS LTD FRAUD
Six Mens 2000 The CROWN FRAUD
Six Mens 2010 Owner Violet Beckles
Six Mens 2014 Heirs of Violet Beckles
LOOK OUT FOR JENNIFER CAROLINE EDWARDS
I believe that the point has been proven about the purchasing and mortgaging of homes in Barbados which is contrary to “Due Diligence’s” assumptions which read suspiciously like the process in Canada.
However the following has me scratching my head:
[b]“When the home is completed, the home buyer goes back to the lender which has committed to the mortgage to draw down the advance of the mortgage – the final 75% of the purchase price – assuming he still qualifies for the mortgage. (if he has lost his job he probably will not qualify)”.[/b]
I thought that qualification for a mortgage it was done at the front end not at the back end as “DD” hypothesizes, it would be a poor lender who waited until the end of the process to determine whether someone qualified for a mortgage.
I have a 1950 agreement where the children of William Kellman Chandler and their mother agreed to convey Alleynedale (~701 acres) and Portland Plantations (~ 177 acres) to Alleynedale and Portland Estates Ltd.
They did this for no cash but in exchange for shares in the company AND an undertaking by the company that the company would pay, satisfy, discharge and fulfill all the debts, liabilities, contracts and engagements of the vendors in relation to the plantations and premises and shall indemnify them against all proceedings claims and demands in respect thereof.
This is a pretty standard method used by families when they chose for whatever reasons (eg tax or liability) to incorporate a limited liability company and convey their property and business undertakings to it.
Alleynedale and Sixmens are referred together suggesting that in 1950, the children of Sir William Kellman Chandler and his widow considered SixMens to be theirs.
This would be one of the conflicts which would need to be overcome in convincing a court that Six Men’s was in fact the property of Beatrice Henry.
Here is the schedule lifted from that agreement.
“ALL THAT certain group of sugar plantations known as PORTLAND situate in the parish of Saint Peter and Island aforesaid containing altogether by admeasurement Three hundred and twenty-four acres three roods seven perches or thereabouts comprising the plantation known as PORTLAND containing One hundred and seventy-seven acres three roods eight perches the plantation or place called GRANDVIEW containing Thirty one acres three perches; the plantation called MEANWELL containing Fourteen acres two roods twenty-five perches; the plantation or place called ADVENTURE containing Sixty-six acres one rood eleven perches; and the plantation called SMALL HOPE containing Thirty-five acres; the same being contiguous to each other and bounding as a whole on lands of Welchtown, The Castle, Oxford, Ebworth, Pleasant Hall, Mount Brevitor and Mount Prospect plantations, on lands of several small freeholders and on the public road or however else the same is abutting ….
…… AND SECONDLY ALL THAT certain other group of sugar plantations called ALLEYNEDALE and SIXMENS situate in the parishes of Saint Peter and Saint Lucy containing by admeasurement Seven hundred and one acres one rood nineteen perches or thereabouts comprising the plantation called ALLEYNEDALE HALL containing Two hundred and ninety-five acres; the plantation called FARRE’S containing Fifty-five acres one rood thirty-seven perches the plantation called HOPELAND containing One hundred and eleven acres one rood thirty perches; and the plantation called SIX MENS with the tenantry thereto containing Two hundred and thirty-nine acres one rood thirty-two perches; the said plantations being contiguous to each other and abutting as a whole on Ebworth, Oxford, Mount Gay, Fairfield Cane Garden, Bourbon, Dooleys, Colleton, Maynards and Rosehill plantations on the seashore and on the public road or however else the same is a butting Together with all buildings and erections of every kind thereon.”
I find the mention of the numerous small plantations incorporated to makeup the larger plantation quite fascinating. Not too many people have ever heard of them or know of their whereabouts.
It looks as though Farre’s Plantation may have been acquired by Government ….. now known as Farr’s Children’s Home.
The DBLP government have to back their own crooked land and housing deals, No one or External Banks or investors will risk dealing with fraud,
The World have seen what happen to Madoff and Standford ,
The IMF have to stupid to not bring it to their own attention , Unless some of the members have homes here also,.
When ever the government change and let the Bajan and World know the truth and go by law, The Adjustment will be on the rich people that know and knw better,
As even seen in America the poor cant not pay the rich people taxes and make things work,
When taxes are removed we will see where they all stand , The Minister get a pay hike and we all get the Bill right before and after elections.
The big bribe is housing in the face of people who now cant even afford low income housing, Low income housing need to be based on the working poor who most get about $6.25 an hour at 40 hours a week. After bus cost and some times food there is nothing to pay but COURTS AND WATER AND LIGHT BILL,
Next Elections will be on the necks of the DBLP government ,
We are so glad for BU Keeping records , so those who talk she-it can go back in time and read,Barbados is built on land fraud and taxes ,
Remove them and we will see the naked Truth.
We are the ones you have been waiting for , There is no one else to do this but us.
At last there is a “counter claim” on BU re. one plantation (Sixmens) that Deeds claims his family has clear title to through Violet Beckles (deceased) but which John now claims was included in a land deal in 1950 (after Beatrice had obtained clear title to it in 1926, according to Deeds)
Did the Chandler’s have clear title to Six Men’s in 1950? Was the title to the land reacquired by the Chandler’s between 1926 and 1950?
The document that John quotes does not appear to be treating directly with the individual parcels that made up the extensive holdings involved in the incorporation of the Chandler’s Limited Liability Company but surely, there should be some legal documentation on the titles to those parcels in such a massive deal as appears to have gone down in 1950.
Any lawyers care to comment anonymously as to the claims of both sides as is given in this BU thread? Do the claims on BU hint at possible early shenanigans that predate Deeds’ claims of modern skullduggery by the DBLP and most lawyers in Barbados? Was there serious early laxity in the land registry system in Barbados?
For now, Deeds appears to this non-lawyer to be out front in this particular case so far.
Very Interesting!
I
I am sure maxine has a mortgage so she knows the process of acquiring one.
To the CUP leader
Your 7:45, April 15 post, is a brilliant one.
Our fight to redress an absolute and horrific injustice against the fundamental interests of the estate of Violet Beckles will NEVER die.
Victory comes calling.
PDC
NewBlodd
Yuh sure? has or had? But I’m with Maxine on this one.
are-we-there-yet | April 16, 2014 at 12:44 AM@ You are now getting the feel of things , The Archives is to be there for ever , After 1966 these crooks seem to make move to hide the History after Independence .
John | April 15, 2014 at 9:04 PM | @ That is great We have more we did not print, But you seem to have valid points ,
As said before ‘I only want what is mine and right and what ever my Aunt leave Me,
The Police Fraud was also blog from charging these BLP crooks at the time ,Now block from the DLP coverup crooks of today, The investigation was active up to the point of the Death of Violet Beckles Aug 23rd 2010 and PM DAVID Oct 23rd 2010 , See Numbers dont lie ,
Web site removed that was
INDEX TO PLANTATIONS OWNERS 1630 TO MODERN TIMES
web site was removed for We were looking into it Hard,
As for Hughes/Queree 6 ring binder that was also changed up at the archives after death , mmmmm?
list Chandler Dr.W.K 1914 , 240acres six mens
Chandler .W.K 1924 30 acres six mens
Remember We at PLANTATION DEED ALSO KNOW THAT THERE IS FRAUD ON THE WEB SITE , WE POSTING WHAT WAS PRINTED OF THE WEB SITE BEFORE IT WAS PULLED IN 2012 OR ABOUT,
WEB SITE CAME OUT OF TEXAS AS WE WERE TOLD US OF A.
Sargeant
Thanks for your full throated response about my assumptions.
If it sounds like my assumptions read suspiciously like the process in Canada, it is because most of the banks are Canadian.
The point of the original post was that the Senator (and Government) should not be counting on the home buyer to be funding the working capital needs of the small contractor. It is NHC who will have to fund the contractor until the home is completed and title transferred to the home buyer.
The qualification for a mortgage “commitment” is indeed done at the front end. Then there is the period between the signing of the commitment and the advancing of the funds at the completion of the home – say 6, 9, 12 months. If the borrower’s circumstances, employment, income, credit score etc. have not changed when the home is completed and title to the property is transferred to the home buyer he/she draws down the mortgage and the home builder/contractor and/or existing title holder is paid.
It would be a poor lender who does not it include a material adverse change condition such as: “This commitment is subject to reconsideration if there is any material adverse change in your financial status …….. etc”; so that if the borrower’s circumstances change, say he/she loses his/her job, the lender may refuse to make the advance.
My assumptions included that, given that the 73 units at the Project at Oxnards seem to be under a “Housing Every Last Person” programme, the home buyer does not hold title to the property – but that title is held by NHC – maybe. On re-reading the Senator’s comments the words “once it is vested into the NHC.” have me wondering if NHC has title.
As I said in my last kick at this can, I believe it is wishful thinking for the Senator to think that a person buying a house at Oxnards will be able to get their mortgage approved to provide for staged draws on a lot on which the person buying the house does not hold title, so NHC will have to make the staged payments to the small contractor.
If, however, the borrower, like Hants, has title to the property and has adequate unencumbered equity in the property, and meets the lenders other criteria, a lender may give a commitment with staged draws (ground floor then ring beam then roof then completed.) upon the borrower granting, and the lender registering, a mortgage on the property.
I must be careful in the future not to assume; cause as Oscar Wilde said – “When you assume you make an ass out of you and me.”, and I do not want to make an ass out of you or me.
@DD
Isn’t there a legal arrangment where NHC can give an undertaking to give title to the bank on completion?
Due Diligence wrote “I must be careful in the future not to assume;”
No sir. Bu is not a court of law. We all make assumptions and post on BU.
However there is always somebody who will correct you if you are wrong and your “assumption” has lead to an informative discussion.
All we Bajans is one (except for party politics) lol
David
“Isn’t there a legal arrangment where NHC can give an undertaking to give title to the bank on completion?”
I will have to leave that to the lawyers; which would likely make it cost-prohibitive to do.
In any event the Senator’s words “once it is vested into the NHC.” have me wondering if NHC has title to the Oxnards property: so even if such a legal arrangement were possible NHC may not have title so could not give an undertaking over something they do not own.
Hants
Thanks, I am happy my assumptions lead to an informative discussion.
And isn’t that what BU is all about.
@DD
If it is Crown land the MoH would have to go to parliament to transfer to the NHC. maybe BUPPS can advise.
Once Again , The Crown own no Land, The NHC own no land , Crooking just like TAXES.
If the AG act for the CROWN and then take Land , then hands it over to the NHC or UDC , COW , HAM ,friends, and others,what type of title is that? Fraud, No one paid any person for the land , Where is CLEAR TITLE AS NEEDED TO take to THE BANK for a loan.
If NHC gives a title, you will be , or be able to see where the land came from , That is a Fraud Document , They Will not put that in your hands,
Now you can see why information and books, wesite pulled or rewritten ,
You can now know that the DBLP government did not buy no land from Plantation Owners for the country , Where is the records to show who they bought from ,
Yet they show C.O.Williams 1970 canefield 238 acres ????
So as you can see it report 1630 to modern times, buy COW and few other reach the year 2000 , less than 5 maybe.
other only reach 1914, 1924,1947 and it ends there ,
So we to believe that COW now use one plantation that he may not own himself and bought up all other , with help of Sir Chelthenham and the DBLP government contracts .
NOW YOU ALL GETTING THE PICTURE,again
ALL LAND HAVE AN OWNER AND ITS NOT THE CROWN AG nor any CROOK , LIAR , SCUMBAG MINISTER WHO JUST WON BY FRAUD ELECTIONS,
They are all paid well to SHUT UP, and take the money.
If Beatrice Henry did not buy the Plantation who did? Why hide the records?
We send some info to David BU on Six Mens , let hope he post it,
LAND AND TAXES IS THE KEY
Due Diligence | April 16, 2014 at 12:40 PM @ you are getting the picture and now asking the Questions,Let them show the money and who , when , where and why , Bank , lawyers , owners, ,
Walk backwards in time and drop off the edge to GAPS in owner ship between the AG ,CROWN, NHC,UDC, BANK, LANDTAX fraud bills to back up the Deeds they makeup .Free Land and the money is missing that is to go to NHC. STATUTORY rape TITLES MADE UP AS YOU GO , Michael Lashly DAM crook ass lawyer ,Rape of Violet and Beatrice
Credit Unions also in this mess , some have more than a Billion in assets , with land and buildings they never build , Even light and power ,and others, FINDS the DEEDS,
@DD
Thanks to Hants suggestion DD did some further investigating, and it appears I made the incorrect assumption that the Project at Oxnards is a conventional home building project.
+++++++
After you wrote the above I didn’t see the need to add a long winded response to my initial comments. You’ve also added the following to counter my earlier remarks
I am not a lawyer and I’ve heard of conditional loans but I can’t say I know of conditional mortgages, if the “material adverse” was not due to any fraudulent action on my part, if I didn’t lie on the loan application and if everything was above board and I paid the “25%” deposit and all the fees associated with the loan only to be told at the last minute “Sorry but you lost your job so we will not give you a mortgage”. My response would be “I’ll see you in Court”, my job loss may impose a financial hardship on my family but who will return my deposit and my fees? What if the builder sues me because I didn’t get the mortgage and couldn’t close the deal?
One other thing the Banks may be Canadian and their administration follows the Canadian model but their loan policy is dictated by local conditions, these are International Banks and they can’t very well duplicate the loan policies prevalent in Canada at all their International Offices.
are-we-there-yet
well i dont know if she has cleared it, but what i can say with certainty, she knows the process.
Newblodd
My point was really a frivolous one. She must know the process, after all her house (afaik) is either in, or contiguous, to the Oxnards development.
I am not normally moved to respond to comments about me on the blogs. i do read contributions however. I would suggest that Due diligence first carry out his /her own due diligence and indicate exactly what was my contribution in the Senate in the debate to which he/she refers in this article. The writer knows nothing about my knowledge of what is involved in home purchase and or construction.
I did negotiate a mortgage, sign a contract to have constructed and supervise the construction of my own home and therefore am very familiar with the process of securing a mortgage and building a home, I also spent several years as a volunteer on the Executive of a credit union which routinely provided mortgages to its members. In addition I spent about 15 years as a Director of a commercial bank which engaged in similarly lending. I am therefore knowledgeable of these processes.
If an entity received a first payment on a home to be constructed, (receiving staged payments on a project for say 72 houses) does that not constitute working capital? this is in contrast to a situation where a builder invests 100% capital to construct and then seeks to sell them on completion. in the latter instance the builder will have to awit to recoup his investment. If you did not understand what i said or what was reported on what I said say so, but do not attribute ignorance to me on a matter of this nature. I knew of what i spoke.
Minister McClean
Thanks for your intervention but take note Due Diligence means well.
Undue Diligence, more the monkey climbs more of his Ass you see!
Just another disgruntled, mischievous, Lying B they are so desperate, they can’t get anything to stick including their unified support for Mottley, and the are becoming increasingly more disjointed, desperate and despicable and dishonest collection bits and pieces politicians rightly named by their Leader of HM Loyal Opposition Sir Owen See Thru Arthur.
@Maxine McClean, this is a de facto “Political”blog.
Politics shapes the comments of bloggers and any opportunity to bend the truth to attack”the opposition” is taken, just as is done in parliament and the senate.
No intelligent person would believe that you would not know the “process” and the majority of BU bloggers are intelligent.
To his credit “Due Dilligence” has tried to correct his “mistake” after taking a “hint” from me and Sargeant.
It is good that you read BU. There is a lot of good information emanating from both sides of the political divide.
Maxine McClean | April 18, 2014 at 10:30 AM |@
In All that you wrote , lets hope the people have CLEAR TITLE TO THE LAND and not the BLP fraud title , DLP fraud titles or the DBLP cover-up Fraud titles,
We need the truth , of the PLANTATION LANDS AND DEED HISTORY RESTORED ,
IF NOT WHILE IN OFFICE IT WILL BE DONE, OR WHEN YOU ALL ARE REMOVED. ONCE YOU SMELL THE RAT , THE CHEESE IS GONE,
MIA AND OWEN NOW YOUR CROOK PM AND AG AND YOUR CROOK COP IS GONE, WE WILL SEE WHAT THE NEW COP DOES .
ALL THOSE WHO TRESPASS WILL HAVE HELL TO PAY,
WE AT PLANTATION DEEDS KNOWS WHAT YOU AL DID IN THE DARK.
MORE PAIN TO COME FOR THE PEOPLE OF BARBADOS,BECAUSE OF FRAUD AND COVER UP BY YOUR FRIENDS , CHECK YOU SELF! BEFORE YOU ………….
THY KINGDOM COME, CHECK YOUR BIBLE
HAPPY EASTER ,
@
@David
R u for real? How could u offer such an explanation to my friend Maxine by stating due diligence means well. Yes we have our political point of view and oftentimes you deem those of us who support or lean towards the DLP as yardfowls a very much sought after commoidity these days
Have a Bledded Easter to all the BU family.
NY judicial commission notes 1,770 complaints
TUESDAY APR 15, 2014 | THE grASSOCIATED PRESS
ALBANY, N.Y. (AP) — New York’s Commission on Judicial Conduct says it processed 1,770 new complaints against judges last year, conducting 477 preliminary inquiries and authorizing 177 full investigations.
In its annual report, the commission says it issued 17 public decisions admonishing or censuring 10 jurists, removing two from office and reaching five stipulations where judges resigned and agreed to never hold another judicial office.
Another 10 judges resigned with complaints against them pending.
The commission issued 18 confidential cautionary letters and had 201 matters pending at the end of the year.
Since it was established in 1975, the commission has received 48,710 complaints, conducted 8,345 investigations and publicly disciplined 826 judges, including 166 removed from office. Another 1,516 judges have been confidentially cautioned and 493 judges resigned while under investigation or facing charges.
BARBADOS turn is here , brace for impact,
To All crooks liars and scumbags
Hello Ex CJ David Simmons Et alii.
The DLP and the BLP , the New DBLP Invest in Corruption , Corruption is like any other Business ,Supply Demand ad Greed.
@ David [BU]
Every single one of them comes here to read commentary about them.
This is the azimuth by which they judge themselves, the weathercock and weather vane which lets them know how well they are performing or, as with Stinkliar, the profound asininity of his economic recovery programs.
It is here that Sanka “the moore the monkey climb the moore yuh does see he tail” comes to get inspiration for his Nation submissions and it is here when they get caught with their asses exposed to the wind that they come to see how they will fare at the polls of BU.
Note that, unlike the other Bajan blog sites how everyman jack now is posting here and the incidence of dual postings by the same clown have started to diminish as bloggers realise that their currency lies in the stolidity of their submissions as “John Doe” and not John Doe masquerading as James Doe.
A few still do it but as the clowns recognise that even though we (me included) have to hide behind these superfluous nom de plumes, we have a voice that is heard by the masses that come here to read.
Your readership is fast approaching the circulation of the nation and while many are afraid to put pen to cyberpaper and type their points of view, the voices in the wilderness are being monitored.
They come here and the smart ones graft the little that their challenged minds can absorb and they go back and implement.
Note how many bits of confidential information are now coming from Tom Dick and harry as the true Bajans seek to expose the wufflessness that has been and continues to be perpetrated against we Bajans.
I know a couple people who would willingly upload documents and email and pictures and alot of scary infelicities that are happening in Bulbados if they had the assurance as i do that your system of confidential info is foolproof.
I would suggest that you find a 3rd party site with a good webutation for secrecy and incorporate it as a link or whatever one does something that is so simple that John Doe the average Bajan feels that they can go there and upload the scans that they have from the office etc and be assured that BU or the RFPB CANNOT IN A THOUSAND YEARS find out who they are.
Both the DLP and the BLP fear this site because it now holds no brief for either of the scoundrels and one day you can be David Slayer of the BLP Owen Goliath Arthur of Alleyne Arthur fame and the next the man who (i) paid and got paid ridiculous sets of money in the Leroy Scandal and (ii) the man who left the proceeds of Families First to your widow instead of the people of Barbados.
We do not need Integrity Legislation the dirt (and the attendant shame for those who can feel it) exposed here in clear light of day, is worth ten parliamentary Acts, it is the power of the pen or the power of the cuntputer that makes the McClean’s of this 11×16 rock come here, as do they all
@PODRYR
Why can’t a submitter feel comfortable uploading via Dropbox to barbadosunderground?
It is not the comfort factor that i am speaking about, we both know that it is safe, it is moreso the simplicity of process of the submission.
John and Jane Doe aint like de ole man wid de grandson at the bank en ting, dem want a “drag it heah” and whuplax it ent even ask me fuh a false email address nor nuffin”
When I gine expose de Minister uh Tourism girlfriend in de pine and show de credit card statements dat she does get and he does pay fuh, i only wants to tek de pictures pun my camera put dem pun de computer and whuplax… upload dem
You know when you click on BU’s email address the message that comes back is “the page you requested is not found”
The Dirt will keep them honest….
@pieceuhderockyeahright
Thanks for spotting the dead link. Will see what is possible.
Wuh David, you yaself just lecture Bushie on the hopelessness of pursuing the PLANTATIONS AFFAIR…..
Lemuel feel that some people already looking to seize Bushie’s whacker (or his ass 🙂 ) …and now you can’t see why Bajans frighten fuh your Dropbox…?
LOL
Dropbox shiite….. :). Bajans frighten enough for electronic stuff yuh….never know where it can end up…..or who sticky hands may be in de box….
You may need to educate and demonstrate.
But Peiceuhderrock right about the power of transparency and integrity in BU’s hands…..
DD apologizes for the delay in responding to Senator McClean’s post at April 18, 2014 at 10:30 AM, as he was away from BU for the Easter weekend, and just recently saw her post.
I acknowledge that apart from what was quoted by the Advocate I do not know exactly what the Senator said in her contribution in the Senate in the debate to which the Advocate article referred.
DD does not question the Senator’s knowledge of what is involved in home purchase and or construction, nor that she did negotiate a mortgage, sign a contract to have constructed and supervise the construction of her own home.
I would suggest, though, that the process of securing a mortgage and building a home for a person of the Senator’s financial and professional status and connections is quite different from a person wanting to buy a home as part of Government’s Housing Every Last Person programme.
I defer to the Senator’s intimate knowledge of the lending practices of credit unions gained from her several years as a volunteer on the Executive of a credit union. But I do find it difficult to believe that any lender, including a credit union, would make progress advances to a borrower who does not hold title to the property on which the home is to be constructed so that the home buyer can make staged payments to the contractor.
I previously said, and still believe it is wishful thinking for the Senator to think that persons wanting to buy a house at Oxnards will be able to get their mortgage approved to provide for staged draws on a lot on which the person buying the house does not hold title.
And, the way the Advocate article is written, it could create unrealistic expectations among its readers who may have an interest to buy a home in the Project at Oxnards; but which could result in disappointment when it does not turn out not to be as simple as it seemed, and some of the hopeful buyers are not able to have their home ownership dreams come true.
But, then I guess politics is all about creating expectations (unrealistic or otherwise), and the Senator is a politician.
And to Due What?, DD has no political affiliations or axe to grind.
ITS EASY TO QUALIFY ? FOR FRAUD
DOCUMENTS NEEDED ? FOR FRAUD
Job letter and recent pay slip ,,,,,, job cuts / lay offs ,union sell out workers
Estimate of the project ……. we have no job
Land owners permission …….. we cant find title,so we will make one up
Town planning approval….. Mark Cummins for a fee, we dont care who own
the land we just approve plans
Passport-size photo……. So we can see if we know you.
Financial statement /self employed…..TIMES HARD UNDER DBLP
Agreement for sale……… more fraud no CLEAR TITLE ,
Individual lot plan…….trespass by land surveyor
Proof of ownership of house……..you never built it
Title deeds ,,,,,,, any crook lawyer will make up one , with a lawyer stating to the best of my , more fraud ,
Senator Maxine McClean, Minister of Foreign Affairs, If you are part of this fraud , you will have a lot to answer for when the CUP take over the government , STOP the fraud open your Mouth and let the People know the truth , Some one in this DBLP government need balls , even if it is a woman.PLANTATION DEEDS WILL BE WATCHING AND THE REST OF BARBADOS , STOP THE COVERING UP THE COVER UP ON THIS MASSIVE FRAUD,