Well, like so many others I have been reading about, we got three months behind on our mortgage. We recieved a notice from Wells Fargo stating we were facing forclosure and that unless we got caught up our house would be sold on November 20. Or to avoid that we had to pay around $6,700.00 for payments and all other associated costs.
We contacted Wells Fargo to make the full payment, no questions asked. At this point the representitive from WF told us that WF could re-structure our and move those three payments to back. She sent us all of the required forms and had us provide all our financial documentation (tax returns, leave and earning statments, break down of our monthly expences, and hardship letter). At this time she told us not to make any more payments until The "LOAN MODIFICATION" was complete. August and September went by, during which they lost and we resent our paperwork twice. We called two or three times a week trying to find out the status of our mod, each time being assured that all was fine and that they were just very busy.
Late in september we started to recieve the forclosure notices again.in a complete panic and now going on six months behind on our payments, we contacted WF and again they reassured us that all was well and we should should everything settled within the week..
Sure enough they contacted us about a week later and said everything was approved and we just needed to re-write our hardship / offer letter and send them a check for $7,000.00. No problem we did as they asked the following day. We were then told that our first payment of the new plan was due on December 1st. Cool. RIGHT
Not... On the 13th of November they returned our check, which we recieved on the 17th, with a note that said we were rejected. Then on the 20th they sold our house..
Totally freaking out now. We spent three or four days trying to reach someone to find out what hell just happened. To no avail. So not knowing what to do we went back to the forclosure notes and saw that we had thirty days from the date of sale to vacate. So I have spent the last 30 days trying to sort, pack and move 14 years of accumulated life..
To some it up today we recieved a letter from a lawyer (soaking wet in the mail box), I'm sure it was supposed to be served, That stated "Freddie Mac" now owned our home. They however are offering "Relocation Assistance", $3,000 if I'm out in thirty days or $2,000 if I'm out in sixty days. Big delema...
I have decided to take the sixty day option. But I'm not cleaning anything up, in fact I'm leaving a huge mess. They can shove thier money!
I would like to know is there any legal recourse for what they have done or does anyone have any good advice?
Thanks for reading my NIGHTMARE
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