I also want to add, my wife's grandmother has dementia and early on she went through a year or so of accusing all of her relatives of being thieves and trying to ruin her life, I remember it being a normal part of the disease.

I sure wouldn't accuse them of anything without proof.

I am in agreement with making a home safe for the next Buyer, but not feeding FH a bunch of money for accusations and lies they cannot prove to this day!

For one, to cover my *** so that no one can accuse me of representing someone without a license, and secondly I wanted access to the MLS in my area. 

There could be a kickback of some kind from the people she's referring you to, I can't speak to that and don't want to accuse anyone because there are plenty of agents that refer you based on their experience and genuine desire to help you get the deal done...so they can get paid!

NAR SOP 1-9Realtors shall not1) reveal confidential information of clients; or2) use confidential information of clients to the disadvantage of clients; or3) use confidential information of clients for the REALTOR®’s advantage or the advantage of third parties unless:a) clients consent after full disclosure; orb) REALTORS® are required by court order; orc) it is the intention of a client to commit a crime and the information is necessary to prevent the crime; ord) it is necessary to defend a REALTOR® or the REALTOR®’s employees or associates against an accusation of wrongful conduct.Information concerning latent material defects is not considered confidential information under this Code of Ethics.

I wanted to see if it is normal before I accuse them of unnecessary charges.

The FDIC would love to catch a lender selling a property they don't own.If you do it by paying the arrears, better not put that property into your name or you face the accusation of equity skimming.

Her niece accused her of being "retarded" and the tenant was very offended and told me that what she was saying wasn't true.

As a last resort I see you have ran out of coherent arguments as to why your sure I’m so wrong and resorted to false accusations and name calling.