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ASC, Des Moines, Iowa Complaints & Reviews - Illegal Tactics to Steal Your Home |
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Illegal Tactics to Steal Your Home
Complaint Rating: 
Company information:
Wells Fargo Home Mortgage
800 S. Jordan Creek Pkwy
Des Moines, Iowa
United States
Phone: 515-324-3130
wellsfargo.com
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It's been six months since I put together the information below -- I've had so many people e-mail me with heartbreaking stories that are exactly alike. Please, please, please, e-mail me if you've had problems. We are in the process of putting together an action class suit. If you've been hurt, e-mail me or write me. DO NOT GIVE UP! Go to sites like /link removed/ www.pissedconsumer.com, HUD, RESPA, your states attorney general, and on and on. Don't stop. Look at wonderful sites like
Kelly L. Hansen
12757 W. 108th Street
Overland Park, KS 66210
504-579-2340
ctsmyhon@yahoo.com
I've spent an agonizing year arguing with America Servicing Company. They really have crossed over so many lines with their illegal practices. My story is as follows, and before my story is VERY IMPORTANT INFORMATION!!
Cara Heiden
President
cara.heiden@wellsfargo.com
Richard Kovacevich
richard.koacevich@wellsfargo.com
Mike Heid
Chief Financial Officer
mike.heid@wellsfargo.com
Mary Coffin
Vice President
mary.coffin@wellsfargo.com
John Stump
john.stump@wellsfargo.com
Rick Kephart
rick.kephart2@wellsfargo.com
WELLS FARGO HOME MORTGAGE
d.b.a. AMERICAS SERVICING COMPANY (ASC)
Executive Communications Office
MAC X2302-02J
800 S Jordan Creek Pkwy
West Des Moines, IA 50266
515-324-3130
WELLS FARGO HOME MORTGAGE!!!
FORECLOSURES ARE THEIR SPECIALTY.
WELLS FARGO, dba,
AMERICAS SERVICING COMPANY
TURNING THE AMERICAN DREAM INTO A NATIONWIDE NIGHTMARE
In November 2007, Wells Fargo dba American Servicing Company (ASC) decided to escrow on my mortgage loan. For no reason. My taxes and insurance were always paid on time. They’d never escrowed before. My mortgage payment increased from $655 to $1446 a month. I can’t pay it.
Wells Fargo admits their error. They promise to fix it. Then they don’t. Again they promise to fix it AND reverse all the late charges. Doesn’t happen. No one stops the snowball effect Wells Fargo’s mistake is having on my mortgage and my life.
Phone calls and letters threatening foreclosure were relentless. I have spent hours on the phone trying to resolve the problem. Various ASC Customer Service agents promise all your problems are taken care of, and when they call you again the next day, didn't leave a single note regarding my call, or that I even had called, in my record. I started the process all over again with a different agent (weird isn't it that you can never get the same agent because they don't have extensions, won't give you their last name -- just a three letter employee ID code that won't get you anywhere. One agent refused to give me his physical address when I wanted to talk with someone face to face. Many different customer service (??) agents over this six month nightmare assured me, that yes, definitely this time, they had truly made the corrections I thought had already been made. My loan had been approved for loan modification and the loan I’d been told dozens of time had been reinstated, had really for sure this time been reinstated. I was always told I would receive a letter confirming all was well with my loan. But the promised confirmation letters never came. And I was forced once again to start the agonizing process with a new agent. AND, the notes in my records either did not exist (according to one agent) or were very confusing (according to another.)
On April 23 I was emergency admitted into River Oaks Mental Hospital for 10 weeks due to a complete emotional breakdown. Wells Fargo Mortgage made a mistake, and acknowledged it. However, they were unable (or unwilling) to fix the problems their error created. Instead, two days after they told me (AGAIN) my loan had been fully reinstated, I receive notice my home was scheduled for a sheriff sale in 8 days. Two days after they promised the charges resulting in their error would be removed, and they would contact the credit agencies to report their mistake, and remove their negative remarks.
Wells Fargo’s illegal lending practices caused emotional distress that resulted in my emergency hospitalization. I'm bipolar, my condition worsened, my depression bottomed out and I became suicidal. I was unable to function. My sister was given power of attorney, and, even though they were aware of my condition, and that they were the source of the resulting breakdown, they still refused to work with her.
On August 14, I was told, again, my loan had been reinstated. While waiting again for another confirmation letter that never comes, I call them again. I didn't contact anyone else for help because I didn't think I needed to. ASC was always so sorry after they didn't follow through on one of their promises. Then they reassured me all was well. I was very stupid.
My home was my savings account. And it was my retirement account. More important than anything, it was my security blanket.
Kelly L. Hansen
Overland Park, KS
ctsmyhon@yahoo.com
Cara Heiden
cara.heiden@wellsfargo.com
Richard Kovacevich
richard.kovacevich@wellsfargo.com
Mike Heid [CFO]
mike.heid@wellsfargo.com
Mary Coffin
mary.coffin@wellsfargo.com
John Stump
john.stump@wellsfargo.com
Rick Kephart
rick.kephart2@wellsfargo.com
Sharon Cecil
sharon.cecil@wellsfargo.com
Bob Chapman [President]
bob.chapman@wellsfargo.com
Mike Heid [CFO]
mike.heid @wellsfargo.com
James Loving [Vice President]
james.loving@wellsfargo.com
Londa Gomble [Vice President]
londa.gomble@wellsfargo.com
Patrick Sheehy [Vice President]
patrick.sheehy@wellsfargo.com
All the Domains Owned by Wells Fargo -- BE CAREFUL!
acordia.com
bankoflodi.com
bankoforangecounty.com
financial.wellsfargo.com
fscnet.com
gbbk.com
montgomeryasset.com
norwest.com
placersierra.com
placersierrabancshares.com
placersierrabank.com
reilly.com
scbusa.com
strong.com
wellfargo.com
wellsfargo.com
wellsrates.com
wfcentury.com
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I agree with everyone on this comment board and I am so sorry to hear about all the trouble that you are all having. This is the reason I started my company. I have helped several people that have mortgages with ASC, Countrywide, and other mortgage companies that don't seem to care if they harass people or suck them dry. The comments I have heard are along the lines of trying to get blood from a stone or turnip, or something like that.
Contrary to what some people have said on here, I am not trying to be one of those people I mentioned above. My company is a nationwide company that provides services for people that are at the end of their rope. One of the helpful things that we provide is letting you know, before payment for service, if we can assist you and if we can not. If we can not, we tell you why not and what can be done to allow our company to assist you. Most companies won't do that, but we will also give you the reasons why exactly so that, if you should choose a different service, they will not be able to scam you. Now that's a way of saving money too.
I have a service that actually will take you out of the loop of contact with ASC, or Countrywide or whomever you have servicing your loan. All you have to do is tell me how we can help you. By that I mean, tell us what you are looking for us to do for you and we will pursue the help that you want, no matter what. We have all aspects of the mortgage business covered from being a mortgage mediation company, a title company, a real estate company, all the way to having access to attorneys for litigation or help to avoid foreclosure. No aspect of help is turned away.
Let me tell you, most of the customers that I deal with have told me about the fear and the frustration of working with mortgage companies that don't seem to care or give them the runaround. To be totally fair, mortgage companies have their ways of dealing with people. Some are good, some are horrible. But one thing all mortgage companies love is being vague. When they are vague, they don't have to give you information until you ASK for it. How does that help you? How can you try to save your home if you don't know how to ask the right questions?
That’s another reason why I created this company. I take your number out of their "system". When they mail you something, it goes to me. I take the burden away from you so you can live your life without the phone calls and the letters. And the rudeness!!! Oh, man, if I told you some of the stories I have heard...let's just say, it’s not pretty.
I know that some people are going to look at this comment and go, this guy is trying to drum up business. Well, you're right. But here's the kicker. I used to work in mortgage collections. I used to make the phone calls and send the letters. I used to work around the people that make your lives hell. And I kept asking myself, why? Why are these people not being told about the help that’s readily available? Why are these people not being helped to make payment arrangements that are realistic? Why does this company care more about the money than about customer service when that is supposed to be their primary objective?
That's why I got out. I can not stand collections. Just because they are hiding behind a company name they think that they can say anything or act anyway they like with the customers, being friendly with one and the next 40-50 they can treat like crap. Where is the customer service?
I take all that frustration away from you and create solutions that work. I know that it may be hard to swallow, but I do. I have done it for several people. And I can do it for you too. If you want more specifics or just want to talk to me, call my office at 888-453-1518 and check out the website, which is being updated with a few new options available. And this isn't just for people facing foreclosure, people that are current and want to pay off their home early, call me. I can and will help as many people as I am able to. What have you got to lose? Website address is http://www.onlybusiness.com/members/RealtyMediationService...and if not for you, best of luck. In all your endeavors. |
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I HATE, DISTRUST, SPEAK BADLY ABOUT TO EVERYONE WILLING TO LISTEN about Wells Fargo Bank and Wells Fargo Home Mortgage.
They should be CLOSED down. Their business practices run contrary to the guidelines of the payout. I haven't heard that good ole Dick Kovasevich is willing to be paid $1 for the year without a bonus. How do the top executives suffer, watching their many ccustomers suffer financially and/or lsoing their homes to foreclosure.
As long as Wells Fargo has made overdrafts an extremely profitable line of business, I'm sure their "foreclosure home sales" is extraordinarily healthy!
What a rotten business. I'm embarrassed to say that I am from a banking business but that in the days that banking was an honest industy with honest executives. It's difficult to imagine that business transactions used to be finalized by a handshake. NOW, it takes "blood, swear and tears...and the promise of your first born" to get information from Wells Fargo.
ICK, ICK, ICK...I would never work there but in case I had to for the benefit of providng for my four children, I would have to thoroughly shower every evening to get all the "shit from the day" off me so I could enjoy a pleasant evening with my family without thoughts of the "Wells Fargo thieves". |
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My heart goes out to everyone who is suffering at the hands of a predatory lending scheme. I'm going to share my story with you AND THEN follow up with someone who was able to, just very recently, get Wells Fargo to help them. I want homeowners, or recent homeowners, to at least call and/or e-mail Cara K. Heiden, Mary Coffin, and Sharon Cecil in the WFHM Executive Office. I give you their e-mails, direct phone number, and address below. Please try. I'll say prayers for you and your dear families. Remember, keep trying. Expect God to bless you. And I know he will.
In November 2006, Wells Fargo d.b.a. American Servicing Company (ASC) decided to escrow on my mortgage loan. For no reason. My taxes and insurance were always paid on time. Theyd never escrowed before. Then, instead of paying my annual property taxes once, they paid them twice. And I had already paid them. Then they pre-paid my property taxes that werent due for another year. Id never had an escrow account with them, so usually the balance was zero. Now it was -$5500.00. My mortgage payment increased from $655 to $1446 a month. I cant pay it.
Wells Fargo admits their error. They promise to fix it. Then they dont. Again they promise to fix it AND reverse all the late charges. Doesnt happen. No one corrects the original mistake so the snowball effect is creating havoc with my mortgage, with my credit, and on my life.
ASC Phone calls and letters threatening foreclosure were relentless. I have spent hours on the phone trying to resolve the problem. So many ASC Customer Service agents promise all your problems are taken care of, rest assured. When you check the next day to confirm all is well (youve learned to check) they can't even find a note in the record that you ever called. So then I am forced to start the process to correct my loan all over again with a different agent (weird isn't it that you can never get the same agent because they don't have extensions, and they refuse to give you their last name. They will give you their three-letter employee ID code that has never helped me a bit. Many agents refused to give me the companys physical address when I wanted to talk with someone face to face. Over this six-month nightmare I was assured over and over and over, that yes, definitely this time, they had truly made the corrections I had been assured already been made. Yes, isnt it wonderful, my mortgage loan had been approved for loan modification and the loan I’d been told dozens of time had been reinstated, had really for sure this time been reinstated. I was always told I would receive a letter confirming all was well with my loan. I was told not to make any monthly payments on the loan because until the correction had been processed through their system, the payment would be considered a partial payment and would be returned to me. So in February and March I couldnt send in a payment because the monthly payment amount was never corrected. I was forced over and over again to start the agonizing process from square one with another agent. Most agents couldnt find any notes in my record. I had the brilliant idea that faxing the whole story, along with receipts, and other requested forms, would be the answer to our communication problem. I would finally receive a letter confirming receipt of the requested documents. Four days later Im told my documents were never received so my home is in foreclosure.
On April 23, 2007, I was emergency admitted into River Oaks Mental Hospital for 10 weeks due to a complete emotional breakdown. I was suicidal and unable to care for myself. Wells Fargo Mortgage made a mistake, and acknowledged it. However, they were unable (or unwilling) to fix the problems their error created. My sister was given power of attorney so she could resolve the issue. Upon discharge from the hospital an ASC agent confirmed my loan had been fully reinstated, the payment had been corrected, the escrow balance adjusted. They promised the late charges and additional interest charged because of their error would be credited back to the account. I insisted and they agreed they would contact the credit agencies to report their mistake, remove all negative remarks, and change all comments they had made regarding my mortgage account to paid as agreed.
Two days later I received a notice advising me of the sheriffs sale date set for my home.
My home was my savings account. And it was my retirement account. More important, it was my security blanket.
The October 3, 2007, sheriff sale date has been postponed and Wells Fargo has told me they want a satisfactory conclusion to this nightmare. Ill keep you posted. Today is October 9, 2007.
WFHM admitted errors and apologized in two letters received on October 24, 2007, and October 29, 2007, from Todd M. Boothroyd (contact info shown above), credited $12, 000 to my mortgage loan, corrected the negative reports made to the credit repositories, reinstated my loan. I breathed my 1st sigh of relief in nearly a year.
THEN THEY SOLD MY HOME AT A SHERIFF SALE. They took my home, almost $100, 000.00 in equity, and I'm lost without my home. God Bless my 70-year old mother who is now forced to take care of her 46-year old, disabled, daughter. I still believe something good is going to happen. I really do. Two years of fighting for all I'm worth just can't end like this. I will NEVER stop trying to find restitution and peace. And I will NEVER STOP sharing my story just in case it might prevent someone else from losing their home. From facing agonizing months on end. Being turned inside out with fear and pain. From losing their retirement, their live savings, their security. If I had children, I don't know how I'd be able to face it. I don't know how these companies are able to do what they do to famies who have trusted them. It just breaks my heart.
BUT remember, some of the readers of my blogs have been e-mail me sharing good news about the help they are beginning to receive from Wells Fargo Bank. So DO NOT GIVE UP!
I know help is coming soon for all families facing foreclosure. God Bless anyone who helps someone keep his or her home.
Kelly L. Hansen
STILL HOPEFULL, BUT at the moment HOMELESS...
46-year old now living with her 70 year old Mother!
Thank God for Mothers.
33605 W. 88th Street
DeSoto, KS 66018
ctsmyhon@yahoo.com (don't hesitate to contact me!)
504-579-2340
913-273-1882 Fax
Here are the names and numbers you need -- these women will get you the money that belongs to you. Please let me know if you need anything at all from me. It never hurts to start pushing from every direction.
Cara K. Heiden, CEO
WELLS FARGO HOME MORTGAGE
cara.k.heiden@wellsfargo.com
Mary Coffin, Vice President
WELLS FARGO HOME MORTGAGE
mary.coffin@wellsfargo.com
Sharon Cecil, Assistant to Both
WELLS FARGO HOME MORTGAGE
sharon.cecil@wellsfargo.com
Todd M. Boothroyd
Senior Counsel, Real Estate Division
(address in California, let me know if you need it.)
Todd.M.Boothroyd@wellsfargo.com
WELLS FARGO HOME MORTGAGE
Executive Communications Office
MAC X2302-02J
800 S Jordan Creek Pkwy
West Des Moines, IA 50266
515-324-3130
BELOW ARE RECENT EMAILS THAT HAVE ENCOURAGED AND COMFORTED ME:
Subject: Thank You Kelly!
Date: Fri, 21 Nov 2008 22:19:47 -0800
Dearest Kelly,
I left you a voice mail this evening. Thank you!
I've passed along to other ASC victims, my success story, and your info. Thank you!
Your blog comments helped me save my home. Thank you!
You are a God send Kelly, Thank you so very much!
Your efforts were not in vein.
Kindest Regards,
Jeff Taylor / San Clemente, CA / 949-395-7376 :)
E-Mail from 'jackie euper' to 'Kelly L. Hansen' (http://www.complaintsboard.com)
Wed, 17 Dec 2008 10:48:53 -0600
KELLY,
FIRST I HOPE YOU ARE FEELING BETTER. JUST THIS MORNING I TOLD A WELLS FARGO HOME MORTAGE SPECIALIST THAT THEY ARE GOING TO CAUSE ME TO HAVE A HEART ATTACK. AFTER READING YOUR STORY I SEE IT IS POSSIBLE FOR THEM TO CAUSE PHYSICAL HARM ! I WAS HOPING YOU COULD GIVE ME A SHORT CUT AND GIVE ME A PHONE NUMBER FOR THE PRESIDENT OF WELLS FARGO HOME MORTGAGE, I CAN'T SEEM TO GET IT FROM ANYONE AT WELLS..GO FIGURE !
I FEEL LIKE I WANT TO EXPRESS MY FEELINGS TO THE TOP PERSON. MY STORY IS OVER MONEY THEY REFUSE TO RELEASE FROM HURRICANE DAMAGE. THANKS AGAIN FOR SHARING YOUR STORY. SINCERELY, JACKIE EUPER
Kelly,
First off thank you for your help. I did speak with Sharon yesterday and I am suppose to receive my check on friday via fed ex. I will believe it when I see it. Thanks again for your web site it led me to the correct people. I hope you have a Merry Christmas, and may God bless you. Thanks again, Jackie.
-------------- Original message from 'Kelly L. Hansen' : --------------
Attn: Jackie Euper & Sharon Cecil
Jackie, awesome, thanks so much for keeping me posted!
Sharon is always a big help. God Bless You & I hope you have a Merry Christmas!
PS: Sharon Cecil - You're so good at getting things done! Thank you for taking care of Jackie Euper. After sending this to you, I'm going to http://www.complaintsboard.com and /link removed/ and saying THANK YOU WELLS FARGO HOME MORTGAGE! It looks like a real effort is being made by the Executive Office to take care of your customers.
That's thrilling!
Kelly L. Hansen
STILL HOPEFULL, BUT at the moment HOMELESS...
46-year old now living with her 70 year old Mother!
Thank God for Mothers.
33605 W. 88th Street
DeSoto, KS 66018
ctsmyhon@yahoo.com
504-579-2340
913-273-1882 Fax
Print - Close Window
Date: Sat, 20 Dec 2008 07:12:07 -0800 (PST)
From: "Kelly L. Hansen" <ctsmyhon@yahoo.com>
Subject: You deserve each and every blessing you receive, Jeff. Because you give your heart to others.
To: "." <classicdad@cox.net>
OK - wow, how do you share your heart so well? You have blessed me with your success story. Can you imagine how many others will be encouraged, uplifted, and energized when they read your words?
I wish you would have been able to do the FOX interview! It sounds like God is using you by giving you so many opportunities to share your story!! Very few people go to the forbearance table with a specific plan, a win-win for both the lender and the homeowner. That is key and something I never considered.
Both investors and lenders would most certainly warm to homeowners who calmly expect a successful resolution.
May I ask where you posted your story? I want to go the site and read it!
Now, I ask for your prayers. I lost possession of my home two weeks ago. Your letter, your warmth, delighted my being!! Once again, PERFECT TIMING!
You've energized me to get your story out and get back to what I love doing. Thank you, Thank you, Thank you. I really love being thought of as a guardian angel. I so very much want God to be able to work through me. And I've prayed for specifically that just within the last few weeks. So wow, thanks so much for your affirmation. Hugs and Kisses to you, to your family, and may your holidays be filled with joy, and peace. Aaahhhhh. Sweet, sweet peace. God Bless You, all of you.
"." <classicdad@cox.net> wrote:
Hi Kelly,
Where do I start? I read your letter to my family tonight (taking a deep breath with every new sentence) Thank you!
And yes, you can post any, and all of my stories. We're in this together.
The blog you posted saved our future! The key to ASC success was dealing with one individual, and after sending emails to Wells Fargo's President, V P, And CFO, I had a response in four days from ASC! My wife was the one who took the call that morning while I was out dropping off the kids at school, and when she called me on the road with the news which was:"We are calling you from the executive department of ASC, and are very sorry you have had to go through this, we are assigning you to an individual who is going to get things straight, and it doesn't get higher than this", I could not believe what I was hearing, something that we worked months on with nothing but confusion, misunderstandings, three months delinquent, then all of the sudden...this? It was like seeing 911 all over again, I don't believe what I'm seeing, and hearing!
I wept behind the wheel to the point of almost having to pull over, but continued driving because I needed to get home to my wife and hear it again in detail. As I walked through the door, I saw this look of disbelief in her eyes mixed with a joy I have not seen for a long, long time. When I sent those emails out, I never thought a reply was coming, but something happened. In the subject line of those emails read "Why do you want my home?" I proceeded to explain the 100's of horror stories written by ASC victims, and how they all sounded alike, as did mine. The one question they had to ask when contacting my wife that morning was "how did he get that email information?", and my wife's reply was "you can get almost anything off the internet these days", which is how I found you Kelly.
All I did was Google "ASC Complaints", and OMG, there you were, along with more than I could handle. Fox Television even contacted me based on a blog I submitted, and had been getting so many calls, yet mine stood out, and wanted to do a live interview with me at my home, but I had to decline, for that was the day we were to get the news on the Special Forbearance Option that was about to be put into motion. We got the forbearance, yet within a week, ASC called back, and based on a plan I suggested they use, was submitted to the investor, and they approved it three months ahead of schedule.
All of the delinquent payments were then rolled back into the loan, interest reduced, payments reduced, and the rest goes into the history books. I've got you to thank for this Kelly, and I have passed this info to others whom have contacted me, and told me that they are starting to move forward in a positive way. ASC has also told me that the plan I suggested they implement for us, will now be used in other situations. A plan that has never been used before. I'm a Realtor, suffering like everyone else, yet WAMU agreed to a loan mod on another property that I own, and worked so well, I had to tell ASC where they were falling short, and how this plan could make it a win, win situation for the both of us. 3% year one, 4.5%, year two, 5.7%, year three, and every year thereafter.
So there you go. It's snowballing, and God used you, as he has used me to help those who are at a total loss as to who to trust, and which direction to go. I still look back on that morning when I got that call from my wife, and immediately thought of you. I saved your blog in Microsoft word, and was able to retrieve it. I needed to say thank you over and over again. I'm a firm believer that when you do good for others, good comes back to you. You're a God send Kelly, and I owe so very much to you for what you have taught me. If not for that information I just happened to stumble across that day while on a last chance mission, our home would now be gone. A million hugs and kisses to you my dear, you to are a totally awesome person!
A wonderful Christmas to you and yours!
I believe in miracles Kelly, and whether you know it or not, God appointed you as my guardian Angel!
Warmest regards,
Jeff Taylor
----- Original Message -----
From: Kelly L. Hansen
To: classicdad@cox.net
Cc: Kelly L. Hansen
Sent: Friday, December 19, 2008 9:14 AM
Subject: i'm so happy for you!! Thank you for your kind words - they mean more to me than you could know.
wow -- I can't tell you how much your kind words were needed today. 30 minutes ago, I said out loud (only my dog hears me) "God I HAVE to have some good news TODAY!" Your e-mail may have been written a few days ago, and I'm sorry I didn't get your voice mail, but God used you tonight, Jeff. Just knowing you took the time to write is awesome. You will just never know, honestly, what a blessing you are.
So many people are hurting, and your encouragement took a 200 lb load off my heart and gave me double the strength and motivation to keep reaching out.
People are so scared to trust anyone - and they should be. May I share your e-mail with others fighting to keep their homes -- and prayerfully SOME equity? I do understand if you aren't comfortable, and I promise I won't send it any further. I have to ask because I know what it would do for so many facing the same mind boggling struggles. So let me know if you are comfortable with passing along some smiles.
GOD BLESS YOUR HEART. I THANK GOD ABOVE THAT YOU WERE BLESSED WITH A POSITIVE OUTCOME.
If you have already written your story anywhere, I'd love to read it! I want to know (I promise I'll keep everything confidential) who finally cared enough to help a hurting homeowner!
Yes, I'm still in my home but now after Wells Fargo Bank dba Americas Servicing saga was all worked out, loan reinstated, $12, 000+ credited to my mortgage account -- 20 days later my home was sold at a sheriff sale. I walked with eyes wide open smack dab into the middle of a foreclosure rescuer scam artist LLC. "Equity-Strippers." To just say just the very least, and leave you alone, they forged a Quit Claim from me to them, mortgaged my property to the max hat at one time had significant equity (for me) and now I'm fighting with
APPLE ASSETS LC
BEID: 3016292
DARRIN T. VOLK AND LARRY HEDENKAMP
9379 WEST 75TH STREET
OVERLAND PARK, KS 66204
under investigation for mortgage fraud, forgery, and sexual battery -- six identical cases in court at the same time all Quit Claim fraud, all forgery, but I'm still fighting just so exhausted. DEAR LORD, WHAT'S UP? I don't know where my story ended with you, but let me know if you want to hear anymore about the pain these lenders lovingly spread around -- if I were you and FINALLY had a happy ending, I sure would understand if you prefer to move on.
If I had a happy ending, well, I'd still stay very very deep in this. Too many people have too much to lose. And they are losing it.
Tonight I'm going to take my legal books away from this laptop, and pray a huge thank you for your happy ending. So, so nice.
Thanks for sharing.
"." <classicdad@cox.net> wrote:
From: "." <classicdad@cox.net>
To: <ctsmyhon@yahoo.com>
Subject: Thank You Kelly!
Date: Fri, 21 Nov 2008 22:19:47 -0800
Dearest Kelly,
I left you a voice mail this evening. Thank you!
I've passed along to other ASC victims, my success story, and your info. Thank you!
Your blog comments helped me save my home. Thank you!
You are a God send Kelly, Thank you so very much!
Your efforts were not in vein.
Kindest Regards,
Jeff Taylor / San Clemente, CA / 949-395-7376 :) |
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I will join your class action law suit. This company must be put out of business NOW!
email fightback1977@yahoo.com |
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The Evil Bank? I'm confused on a few facts but more importantly on how you "couldn't" afford your home? If your taxes and insurance were paid and so was your mortgage then the annual amount of your taxes and insurance should have been split over a 12 month period (escrow), thus not changing your affordability. The difference of your old and new mortgage payment is $791.00, which is a very large change. A few questions arise when I see such a large change:
1. Did you state change rules for escrowing for mortgage/servicing companies?
2. Did your home value decrease to a point where an escrow was required?
3. Was the bank collecting for your escrow and to build a reserve in the account?
I had a similar problem and my bank was able to spread the difference of the escrow account over a 12 month period.
The rest of the story seems a bit theatrical in my opinion as the servicer can't change or amend your original loan terms, thus the $791.00 came from some where. Did your taxes and insurance change? We're you really ontime with your payment? This is more of an inquiry than anything as a consumer with a mortgage I can understand the frustration when dealing with a large institution. I'm just confused on the details. Elaborate? |
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I am dealing with ASC with a loan modification. I started the modification in Nov 2009 and received my letter that I was in the program in DEC 2009. They will tell you to only pay a certain amount for three months which is a little over half your payment amount, and then they will give you a final amount of what your loan will be after you make that final lower payment. I called ASC the day I made the third payment to ask, what do I do now? I was told that it make take 30 days or up to 60 days to get the final details of what the modification will be. I just want everyone to know that my file was closed because the negotiator who had my file made her one phone call that is required of her and since I didn't respond to the call(that I never received) in four days that my file had been denied! I had waited on them for almost 60 days and they couldn't even give us 5 days to call them. The negotiator is also required to send you a letter that is telling you to contact them about your loan mod, she sent that out on the 3rd of may, but closed the file on the 5th, there is no such thing as two day regular mail from California to Alabama( no, they didn't overnight it, I asked) Since we have made lower payments being in the program we are now behind over 6 thousands dollars. The funny thing is, the the negotiator called my husband's cell number(they say) and the whole time we were dealing with them, they called the house phone. So now that the mod loan has been denied yesterday on May 5th, customer service called the house today on May the 6th to ask for the money that we now owe. By the way we were never over 30 day late on our loan they sent us a letter about the modification because we had paid a couple of late fees, we never let one months payment cross over to the next, so BEWARE of the we are here to help you letter. BE CAREFUL!!!
Dee Dee
pboddie@hotmail.com |
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Has anyone gone through or are in the process of applying for the HAMP remodification? They have offered this plan to me but I'm afraid to take a step as I don't know where the landmines are with this plan and ASC? Can anyone help or provide some info/insight? And are the addresses and name of the Wells Fargo executives current?
Thanks so much!!
Afraid in NYC |
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| I have to admit, I am terrified of what im reading. Im in a similar situation. 6 months ago i recieved my agreement for my modification, signed it and did all the follow up to be sure it was right before i started making my lower payments(which first payment didnt start for 2 months) 4-5 months go by and someone leaves a note on my door to call this phone number, i call it and its asc/well fargo. they told me there was a problem with my loan modification, but it was all their fault, they would fix it and ASSURED me it would not affect my loan or payments. if there was a problem they would contact me. 1 month later i recieve a call from them stating I was in a short sale review and owed them over $4000 because I hadnt made a payment since dec. 2009, when i had paid them every month on time??? after several aggrevating calls, what it boils down to is: someone in one of their departments messed something up( several people including a supervisor told me it was their fault) so the aggreement(loan modification) that i have in my hands, was denied months AFTER ALLREADY BEING APPROVED. it took them 6 months to tell me this so every payment i have made according to the new aggreement "wasn't a full payment, and went to a holding??" so to them i havent made a payment since dec 2009, when i have proof of all the payments i made on time, with NO late fees paid according to the agreement in jan 2010. It is now 6 months later, june 2010, no one has notified me proviousally of any problems like this and yesterday i recieved a letter stating if i didnt pay over $4000 in certified funds by july 16 they would start the forclosure process since i was now in a "forclosure review", not to mention they have reperted this on my creit and wont remove it even thouggh they have admitted the're at fault, yet i still need to pay all this $$ so they dont forclose my home, even though they messed up and i have all this proof. I never missed a payment till they told me to for the modification to be approved. When i applied for it, i was late a few months in a row, but never missed a payment till i was told to?? Can they really forclose my home for this, when its their fault and i have proof of this?? Its been 3 days now, since this has been happening and i have been under so much stress im in pain! Isn't this illegal?? I am absolutelly terrified i am going to lose my house over their error!!! |
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| I live in Yuma AZ and After being laid off in November from my 10 year job, I was thrilled to get my first temporary post forebearance in January 2010, then every 4 months I reapplied. My payments ranged from $350 to $850/month, and I didn't pay the one month they processed me. Each application was terribly stressful and I could never get a straight answer from anyone. Sometimes it would just keep calling over and over again until I got a person who could provide a little more info, but it was never complete. My direct contact Mary Hill never answered her phone and when she did call, I could never find out specifically what was wrong. When I was denied my post forebearance on July 1, 2011. I called over 20 times and finally found out I had to high of a debt ratio from a $420 car payment from my credit report. It told them it was not mine, but my twin sister's. I got esperian to correct the report and resubmitted my application thinking I would be approved because on August 15th, I would be 62 and could get SS (I had told them this from the beginning). They kept saying, make your payments, never be late. we'll work with you. I did everything they asked, but they denied me again. After 5-6 calls I was finally called back by Mary and she said I didn't meet the requirements, I asked what specifically, and she said I could not afford any modification plan. I said I had continually reduced my expenses so what had changed? She said the underwriter's decision was based upon the data entered into their computer there was nothing specific, I asked if it was because I was behind 13 months, she didn't know. I asked why when I submitted my application and they knew in 1.5 yrs I would get SS, they didn't have me pay the higher amount of $850 so i wouldn't be so far behind and also make a payment during the quarterly review process. She said it was the underwriter, she didn't know. Meanwhile I was also receiving foreclosure notices from Tiffany & Bosco. My sale date is September 2oth. I told Mary they had strung me along, deceived me, lied to me in the numerous phone conversations (am not also describing or this would be tooooo long). I have applied for SS but they said it takes 3 months and my first check will be Oct. 1st. MY home is my only savings I have. I put $44, 000 down and have paid the full payment and reduced payments for 2 3/4 years. I helped my twin sister who is deaf get a loan modification on her home when she was laid off, it wasn't easy and it took 9 months, during which she was in foreclosure, that kept being delayed, but we always had a contact person at Citimortgage who could actually work with us and make decisions, and even used a video relay to talk with us. HUD also interceded and was very aggressive. My HUD advisor can't even make direct contact with anyone at Wells Fargo other than the same customer service reps who know nothing. I reminds me of a telephone call center phone scam located in a third world country, but it isn't, its Wells Fargo, someone I trusted. I even went to the loan office where I got my loan and they wouldn't talk with me. I spent days in their getting my loan and now they won't event talk to me to work something out. During this time both of my parents died while under hospice care in my home, while worked fulltime and using caregivers. I never went anywhere for 3 years except work and the store. They lost most of their savings, just enough left for funeral expenses (both flown back to IL) over $20, 000. I could not even afford to go to the funerals. I am so upset, with Wells Fargo actions, I feel liking walking away just so I will be able to sleep or feel like eating. They have designed a system that strings us along, collecting as much as they can, while proceeding to take our homes. One customer rep even said it wasn't worth the trouble to talk with us, I said you get paid to process and application, and she said it still wasn't enough. I have applied for the Save AZ Home program, for a loan to catch up but I don't know if they can help. Other states have similar programs, but some deadlines are July 22 (EHLP) |
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