I am a widow who works two jobs in order to survive in todays world. I had re-financed my home after my husband died. My house payment was one that I could afford. One year after his death, the property taxes on our home went from $200 per year to $1200 per year. This not only increased my house note by the additional amount needed for next year but also an additional amount to make up the escrow shortage for the prior year. This additional amount plus an increase in the cost of living caused me to get behind in my house payments. I heard about NACA and after attending a meeting, with their help, submitted all the necessary documents requesting a loan remodification.
Different times when I would call checking the status, I was told that I would have to re-submit all the documents. I did this three or four different times.
Each time after submitting the forms again, I would be told that they were processing the re-modification and would notify me. I kept getting letters from an attorney's office giving me a new and later sales date for my home. Each time I called I would be informed that there was no sale date since they were working on the loan modification but they couldn't stop the assignment of sale date but the house would not be sold. On July 7 I called checking on the status of my loan remodification. I was told that my loan was in the "short sale" department. They asked hadn't I requested a "short sale". I said no, I was working on a loan remodification and trying to save my home. They said (after checking further) that my request for remodification had been denied due to tax liens on my credit report. I told them that those tax liens had been canceled prior to they making the current loan and I had documentation from the Hinds County courthouse showing that they were canceled. The Wells Fargo representative told me that he would put my loan back in the re-modification department and for me to fax: a hardship letter, a breakdown of my expenditures, pay verification for the last 30 days and the documents showing that the liens had been canceled. I faxed all of this on Wednesday, July 8th. I had been told in the past, when I faxed information to give them three days to receive and post to my account. On Monday, July 13, I called to see if the information had been received. I was told that all of the information had been received but my house had been sold that day. I was very upset. I have lived in that house 33 years and have no where else to go. I was told by the representative that she would email the attorney and request that the sale be rescinded and that I should check in 24 hours. The next day, Tuesday, July 14, I called. The Wells Fargo representative told me that they didn't know the status but would call the attorney's office and check. After holding on for 15-20 minutes, the representative told me there was nothing they could do. The sale was final. The next day, Wednesday, July 15, I called the attorney's office. The lady who was handling the matter told me that since she received the phone call on Tuesday that she had taken no action and was waiting. She had not received an email asking for the sale to be rescinded but since she had received the phone call that perhaps the sale should be rescinded. She said that since she had taken no action, the sale could be rescinded at no additional cost. She gave me the telephone number of the department at Wells Fargo that I needed to talk with and told me to ask for a supervisor or someone on the escallation team and explain what I needed. I was on the phone for over an hour. Twice, after explaining all of the above I was disconnected. On the third try I finally got the person I needed to help me. They said they would not try to rescind the sale. It would cost "too much money". I repeated what the attorney's office had told me—there would be no additional cost, but to no avail...
Wells Fargo lied and misled me. Had they not told me that they would have continued to work on the load remodification, I would have tried other options. As it stands today, I have a daughter and two grandchildren age 9 and 3 and myself with NO PLACE to live. I am very distraught and don't no what I will do.
Kay
Jackson, Mississippi
U.S.A.
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