Consumer complaint received 2024-03-27
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Peer Advisors, LLC (CA)

RE: House sale At XXXX XXXX XXXX XXXX XXXX  for $XXXX.


	A real estate agent attempted to tie me to a contract selling 

XXXX XXXX XXXX XXXX XXXX XXXX for XXXX  I am XXXX XXXX XXXX of XXXX  years old with a serious XXXX  condition and other 

health conditions.  I was only able to get out of the contract after 

months of complaining and arguing with the agent until I finally filed a 

formal complaint with his agency.   Even then the agent took 2 more 

weeks after further  shenanigans to cancel the contract.    In that time 

my brother, a XXXX XXXX year old social worker with his own health 

issues, was threatened with eviction if I didnt accept the agents

contract.    The agent insisted on an onerous amount of time and 

work from me.   This interfered not only with my day to day living but 

with my attempts to get healthier regarding my XXXX.   I apprised the 

agent of my health conditions multiple times as early as last 

XXXX.  My XXXX  surgeon recommended lifestyle 

changes as my primary treatment.    The agent repeatedly said the 

$XXXX  was the best price the could get on my house.  Two days 

after the I authorized cancelation of the $XXXX  contract through 

Docusign,    I received an offer for $XXXX.   I have no real estate 

experience.  

	The house has a reverse/HECM loan from my parents.   The loan is due XXXX XXXX, XXXX.  As of the 

end of XXXX  the reverse mortgage amount is approximately $XXXX, XXXX  The bank holding the reverse mortgage is

Compu-Link, HUD Division XXXX 
 Phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Contact person is 
XXXX XXXX 
 Loss Mitigation Specialist III 
 Compu-Link, HUD Division 
 XXXX


	A real estate agent,  XXXX XXXX of XXXX,  almost moved 

me into a sale I dont want to make.  

The agent originally put the house up for private sale at XXXX.  The house does need some roof 

repair  (XXXX), crawlspace mold treatment (XXXX) and a sewer clean out (approximately $1000). 

In the front entry a rail needs repair.  The kitchen garbage drawer front panel needs replacing.      

The house is very, embarrassingly, messy, but not in need of any major repair.   Yet the sale 

price had dropped to XXXX with my exiting my house XXXX.  The agents 

justification for the reduction of price was 1) during my initial signing of the counter offer that 

this was the best price he could obtain.  Later the agents reason that I should take the 

deal is that this is the price that I agreed to.  It was also that the house required professional 

cleaning.   Yet I do not remember the agent ever mentioning that a professional cleaning 

could make the price difference between $XXXX  down to $XXXX.  I fought to raise the 

price to $XXXX  and a departure date of XXXX.  

	The house has a reverse/HECM loan from my parents.   The loan is due XXXX XXXX XXXX.  As of the 

end of XXXX  the reverse mortgage amount is approximately $XXXX, XXXX  
	The latest regarding this real estate contract is: I FINALLY have cancellation paperwork.   It took 

since early XXXX  and protesting voraciously against their contract that I signed at a weak moment.  

This is literally true due to weakened physical state.  I was diagnosed with XXXXXXXX XXXX XXXXXXXX on 

XXXX XXXX XXXX.

	All I can think about is how exhaustion from my XXXX XXXX and XXXX  kept me from 

making a proper decision.  Also my lack of experience with real estate paperwork played into making a 

bad decision on my house sale.   I was going through the diagnosis and receiving a course of tests and 

treatment at both XXXX XXXX XXXX  as well as XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX.    The final decision by the XXXX XXXX XXXX surgeon  recommended lifestyle changes with s

some medicine.  This changed from the XXXX XXXX XXXX   diagnosis when the medical professionals in

charge of my case seemed committed to treating me with a XXXX  procedure.  The lifestyle changes 

recommendation meant that any improvement in my  health is all on me.    I informed the real estate 

agent XXXX XXXX about my XXXX XXXX in late XXXX  or XXXX  XXXX.   \n
	ExceedingIy reluctantly, I am selling the house.  I DO NOT WANT TO.   Im XXXX  in XXXX.   My dad

died on XXXX XXXX, leaving considerable debts.   I am still exhausted from the XXXX XXXX, the 

heaviest in XXXX  years with XXXX of annual precipitation.   I have made some  progress in lifestyle changes 

by losing XXXX pounds.    I have gone from VERY XXXX  guy to a very XXXX  guy who can work for hours.

	My agent made little if any allowance for my health difficulties.   I informed him 

of health difficulties verbally and by text.   He had me wait outside while the buyers went into my house 

without me inside.  I was continuously bombarded with paperwork, visits from the buyer to make

measurements in the rooms, constant phone calls and emails, and in XXXX  I had to make a 

three hour round trip to purchase my mothers death certificate.   The agent insisted that I make 

the trip down to XXXX XXXX and not wait for the document to arrive in the mail.  He then called 

me twice that day and by his own admission even came over to my house without asking me.  

The agent has told me that the house was too big for me, and that there was no way I am going 

to stay in my house.   When one of the buyers came over to make measurements the agent held 

the tape for all the measurements.   

	All for one buyer who will underbuy the home for least a XXXX  of a XXXX  dollars from 

an XXXX  man with a potentially life threatening XXXX  condition.  Later the agent told me 

the buyer wanted a credit of more than $XXXX  for the repairs described in the first paragraph.    

	I registered a complaint with the agents brokerage on approximately XXXX XXXX.  On 

XXXX XXXX the agent has offered to try and get more time from the seller and to forgo his 

commission.   Then on XXXX XXXX the agent called me and said he was going to cancel the 

contract.  Then two days later he said I should find another agent.  Then on XXXX or 

XXXX  XXXX or XXXX I received a phone call from the agents customer service manager.  The 

customer service manager, XXXX XXXX, listened to me telling my story, and then she agreed at 

least that XXXX was too low a price for my house.   She then asked for a couple of days and

 would get back to me.  She never called back, and I left a message on her voice mail.  I would 

have paid more attention to the home sale, but I was coping with the largest snow storm of the 

season.  I move the snow by shovel.   

	Meanwhile my brother was told by his land lady that he has XXXX days to move out if I didnt 

take the offer of XXXX.    His land lady recommended the agent and performed many of the 

forms for changing the title of the house from my fathers name to mine to me.  She also prepared 

the paperwork giving me authority from my brother to sell the house.  I believe that she is a 

paralegal.  I find it curious at least that my brothers landlady would threaten my brother with 

eviction based on my decision to accept this contract.   I dont always get along with my brother.  I 

do love him and respect him.  For at least seven years XXXX XXXX has worked as a social 

worker, getting many homeless people off the street, training them as retail workers at the 

XXXX XXXX XXXX XXXX XXXX XXXX.  He is in his mid sixties, has his own health challenges 

and low compensation for his job.   Using his living status as a bargaining chip makes me wonder why 

anyone at XXXX would talk to her about the sale, or why she would take steps to twist my arm 

through my brother to take this at best sub par deal.  When I asked XXXX XXXX at my home on XXXX XXXX if he thought it was a good deal he replied that it horrible or terrible deal.  

	 The agent and the customer service manager made a conference call to me on XXXX XXXX.  

The agent sent me an email with the subject material, the escrow papers for the sale of my house

for XXXX.  Was the customer service managers participation on the conference call a change 

favoring the sale of the house for XXXX?   This is from the agent who said I should get an 

different agent after he cancelled the contract two days after he said he try to get me more time 

from the buyer as XXXX XXXX XXXX his commission!?!   
  

	Is this how real estate business is conducted in the United States, taking advantage of 

medically and financially vulnerable people?  Am I their first or most recent easy mark?  I know that 

sounds melodramatic, but am I?  

	It is bad enough that the bank holding the reverse mortgage will not demonstrate any flexibility 

because I have been diagnosed with a severely damaged primary XXXX  through no fault of my own.  It is

bad enough. That I have to deal with the reverse mortgage left by my parents.  Now I cant find 

any real help from the real estate people that are supposedly work for me.   The numbers, the price tells 

the story.   To me it feels like a company sees two old men, my brother and my self, with at least 

significant health problems holding an asset with a financial weakness, the reverse mortgage on the 

house and the threat of a probate sale.  Just offer them a slightly better offer than the nothing from 

probate.  The poorest offer will appear helpful.     And keep the seller busy, so they cant think about 

anything else, especially alternatives to their sales contract.   Do real estate agents/agencies make a 

practice of targeting the aged, or unhealthy or physically impaired, or simply uninformed on real estate 

law and practices.

	Even though XXXX  cancelled the contract, and if I find a new buyer, I see no reason to stop 

informing whomever I can reach on the inequities of this sale and the past few months.   I couldnt take 

nearly the time I need to modify my lifestyle as prescribed by the surgeon at XXXX 

(more activity/exercise, better eating, simply attempting to stay positive) while I deal with this deal.   I 

need to work to support myself.   I can work but not while Im treated like chum (I mean the bait reference, 

not the friend reference).  I started with a private sale of  XXXX.  I accepted the house was messy and 

the sale was off season, but then the drop to XXXX, then XXXX XXXX.  I just lost a quarter of a XXXX XXXX on the price.   Then I got to give up a XXXX credit for repairs to roof, basement mold and sewer 

clean out that dont threaten the house.   Then the commission is off and I get more time.  XXXX XXXX 

later the contract is cancelled.  Then I hear I should get a new agent two days after I said I was doing 

exactly that.  Then XXXX XXXX later I get a conference call with the agent and the customer service 

manager.  As noted before, the first time she and I had spoken she expressed that XXXX was too low 

a price for my house.  Yet on the two conference XXXX XXXX took part in she expressed no opposition 

towards her agent offering the same  XXXX offer plus the commission taken off, but a bunch of 

other charges and XXXX+ buyer credit taken away from me.   When I told them that I had told the agent I 

had said before I wanted at least XXXX each for my brother and myself.        

	This and  my brothers landlady threatening him with eviction if I didnt take XXXX XXXX offer.   

XXXX XXXX unwelcome knowledge of this real estate deal motivates me to inform whomever I can 

about this sale, specifically naming XXXX XXXX XXXX and XXXX XXXX in my complaint.  Why 

does my brothers landlady have any knowledge of the selling of my house?  Who told her?  Why does 

she have any input on this matter?  This is not simply about the crumbs my brother and I would receive 

from the sale.  It is also about all the investment of time, emotional energy and scrapping for alternatives 

just to get deal with the ramifications of the XXXX price of house and trying to keep the basics of light, 

water and heat and some cable/phone/internet auto insurance going.  Almost all of my time I have either 

goes into dealing with this sale or trying not to despair because of this mess.  

	As I said, I found a buyer for XXXX in a couple days.   It was a much easier process and a

smaller amount of time than with the XXXX XXXX XXXX.   I think that every home owner selling a home 

should hear about this alternative to using an agent or an agency.


The brokerage is XXXX in XXXX XXXX, XXXX.
The agents name is XXXX XXXX
The customer service manager is XXXX XXXX
The buyers are XXXX XXXX and XXXX XXXX.
My brothers landlady name is XXXX XXXX.




	The house sale and the health problems have taken so up much of my time.  I can still work.    I 

want to work as much as any American male raised by XXXX XXXX XXXX television.   I have for

XXXX years experience running a cash register.   I can push and shovel snow above and beyond most. 

I can rake using four rakes at once.  I clean by removing the water and cleaning the toilet down to the

trap, applying cleaner(s) to the toilet directly.   




LAST SOLD ON XXXX XXXX XXXX FOR XXXX
XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX Estimate XXXX
Beds XXXX
Baths
XXXX
Sq Ft


		
		

		Type\nType:\nSingleFamily\nYear Built\nYear built:\nXXXX\nHeating\nHeating:\nBaseboard\nCooling\nCooling:\nNo Data\nParking\nParking:\nGarage - Attached\nHOA\nHOA:\nXXXX XXXX\nLot\nLot:\nXXXX XXXX
		\n\nInterior\nBedrooms & bathrooms
		Bedrooms: XXXX
		Bathrooms: XXXX
		\nHeating
		Heating features: Baseboard
		\nOther interior features
		Total interior livable area: XXXX sqft
		Fireplace: Yes
		\n\n\nProperty\nParking
		Parking features: Garage - Attached
		\nProperty
		View description: Territorial
		\nLot
		Lot size: XXXX XXXX
		\nOther property information
		Parcel number: XXXX
		\n\n\nConstruction\nType & style
		Home type: SingleFamily
		\nCondition
		Year built: XXXX
		\n\n\nCommunity & neighborhood\nLocation
		Region: Truckee
		\n\n\nHOA & financial\nHOA
		Has HOA: Yes
		HOA fee: XXXX monthly
	 

		XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  See scanned document.


Very accommodating complaint space.   Thank you