I am writing here because Wells Fargo NA/Home Mortgage sold my home and didn't even tell me that it was going up for auction!
We missed our Feb, March and April payments in I made a payment in May, June and July. Then Wells Fargo told me that they could do a modification on my loan, all they needed was paycheck stubs, a list of our expenses and a hardship letter, which I put together and FAXed to them that very day.
I called them the following day and she told me that they received all of my information and they would be looking into the modification very soon, and by the end of the month of August they would have a modification put together for us.
Well, I called them about once a week and asked them how things were going, and they told me that they were very busy because they had a lot of modifications right now, but that my modification was being looked at. I asked them if I should make my August payment and she told me "NO, don't make any of your mortgage payments until we get the modification done because they won't be credited to your account. When the modification is done, you can start making those payments." I asked her if that was going to be okay, because I could not loose my home, I have six children and I need my home! She laughed at me, and then said "No, you are not going to loose your home, everything is fine." So I then asked her if I could give them a call about once a week. She told me that was fine, that I could call anytime I wanted to, with a strange sound to her voice, like she thought I was crazy to want to call each week to make sure that everything was okay with my home.
Well, August went by and I did my weekly calling, getting the same answers, your home is fine, it's not going to be sold, and we are just really busy and that's why my modification wasn't done yet, but they would have it done by the end of September.
Well, long story, short... This continued throughout September, me calling once or twice a week, and them telling me that everything is fine. Then I received my modification payment plan.
They wanted me to pay more than twice what my normal payment was. I called them and they told me that was my modification and I could not do anything to change it. So I became very scared as I didn't have that kind of money! In fact, the reason I got behind on my mortgage in the first place was because I could barely make my payments because of hospital and doctor bills that were piling up from my eight year old daughter and myself being hospitalized several times in 2008.
So I called the 1-800 HELP line that President Obama had set up for home owners to get financial help and possibly reform their mortgage. I spoke to a very nice lady, who was very sympathetic to my situation.
I told her everything that had happened with the modification, and then I gave her my monthly income, hardship letter and list of expenses. We figured out that at the most I had $500.00 left over after all of my bills for each month. Which isn't terrible, but isn't enough if an emergency comes up.
So she then, with my approval, called Wells Fargo Home Mortgage. She got a lady on the line and the HELP lady talked to her, describing my situation. The Wells Fargo lady was looking at my account, we were on a conference call so that I could hear everything that was said and I could speak to both of them at the same time.
The WF lady went over my documents with the HELP lady and in the end they agreed that something was messed up, because there was no way that I could make the payments that they wanted me to make.
After look into it, the WF lady said that WF thought that I made twice a month, of what I really made. So twice my take home than what was really my take home. She fixed that and told me to FAX my paperwork to them, told me to NOT sign the documents that were mailed out to me for the modification, but to put at the top of them that they needed to be re-modified. I asked her if I could do that the following day, and I asked her if I could loose my house, again I stated that I couldn't loose it because I have six children. Again, this woman laughed at me and told me, while laughing, that I had nothing to worry about and that FAXing the documents the following day would be just fine. Then the HELP lady asked her if I needed to be making any kind of payments on my mortgage to be sure that they didn't forclose on me. The WF lady giggled again and told the HELP lady, and myself that I didn't need to make any payments, and in fact, shouldn't make any payments, as they wouldn't be credited to my account.
So the HELP lady and I hung up from WF and we talked that it went well, & we thought that everything was going to be okay. We were both very happy and she told me to call and I could get her if I had anymore questions or needed anything.
So, then, we played the waiting game once again, throughout the rest of September, November & two weeks into December. I would call once or twice a week, Yes, they got my documents, Yes, they were working on my modification, No, don't send any money in because it won't get credited to my account, Yes, they thought that they could get my payment around $500.00 less a month than it was before, and after three months of paying the modification, I would qualify for a refinance into a fixed mortgage at 4% interest rate! This was all good news to me! I also asked if there was a sell date on my home, no, there is no sell date on your home!
Then in December I got a letter from a real estate company telling me to call them for Keys for Cash, that they would give me a certain amount of money to clean my house when I moved out!!! I was shocked to say the LEAST! I called WF and got a guy on the phone. I gave him all of my info and asked him what the "hell" had happened to my account, my home, etc. He said, "Oh, well your house went up for auction on December 4th and was sold that day..." I asked him why they didn't contact me to tell me that they were selling MY home??? I told him that I had spoken to a lady at WF on December 14th and she assured me that my home was fine and that they were looking at having the modification done by the first of the year, with my first payment expected on Jan. 17th! He started stuttering and then told me that he couldn't see my account, that it had been moved, (Ok, if he couldn't see my account, then why could he tell me that my home had sold on December 4th???), and that he needed to redirect me to the correct department. He put me on hold and I sat there for a few second listening to the "hold" music, then I got a disconnect sound on my phone.
I called back four more times and they all told me the same thing, that I needed to be redirected to another department. When I asked for the phone number to that department, they told me that there wasn't one and they would have to direct me to them. Every time I was hung up on.
I haven't contacted the real estate company yet, I was waiting for Christmas and New Years to get over. I knew one thing for sure, if they tried to get my family and I out of my home before Christmas, I was going to contact all of the news papers and tv stations and have them take my story of a real estate company throwing a family of eight, six being children and one being only 16 months old, out on the street the week before Christmas.
Well, I haven't heard anything, yet, from them, just the letter I got in the mail, and the day after I got the letter, they taped the same letter on my front door in bright pink paper.
I want to sue Wells Fargo Home Mortgage! They took my home from me! My husband and I have worked so hard to have this home, we worked hard to keep our credit good, and worked hard to get the down payment on the home. Since moving in we have done the yard, because it was a new home and had no yard at all. We put down sod, and we planted seven trees, put in countless shrubs, made two rose beds, with seven rose bushes between the two gardens. We put in a full beautiful figure 8 garden around our tree in the front yard, which we had to replace the tree this past summer, as the old one died during the winter. We have Apple and Cherry trees in our back yard, and we take great pride in our yard and home. Oour back yard has a play area for our children and a dog run for our dog. The rest is grass.
We are in the middle of remodeling the home and have put several thousand dollars into it over the past seven years!
It makes me SICK that they sold my home because they wanted the money, they were greedy! The week after they sold my home, they announced that they were going to pay back the government for their loans that they received from them. I thought, "Great, they are paying back their loans by foreclosing on the homes that they financed to good, honest people & they are selling good, honest peoples homes to get the money to pay the government back!!!"
I am scared, I don't know if I can find a home to rent, as they are always doing credit checks now, just to rent a home, and now, thanks to Wells Fargo, our credit is screwed! I do not want to leave my home! We had it built in 2002 and it is MINE! The carpet is mine, the linoleum is mine, the kitchen is mine, the bathroom fixtures are mine! This is my families home! I will do ANYTHING that I can to KEEP it, or at the very least, to sue Wells Fargo and get paid back several times over, for my house being foreclosed on without me knowing until it was too late, and them ling to me since August.
Can someone help me? Has anyone been in this situation? Can we possibly pull together and get something like a class action suit against to them? I don't know that much about the law, but what they did to my family should be illegal! I hope that it is, and I hope that there is an amazing lawyer out there that will help me sue Wells Fargo.
Thanks for reading and sharing in this Hell that I am living in right now!
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