We had Five accounts set up by wells fargo on our equity line. Very confusing, with, different intrest rates. We had to file chapter 13, halfway through cap 13 we were sent a letter from WF stating we had 20 days to make arrangements to catch-up on the payment. The letter did not contain any account numbers and the dollar figures did not match any of the payments we were aware of. My spouse contacted a wf rep and tried to make sense of wich account it was and make a payment. The rep had no idea of what account was past due and told my spouse they will apply our payment to the MOST past due. My spouse checked on line the next day and found none of the accounts have had anything applied to them. Near as I can figure the rep applied it to one of the past due accounts that were being paid by the trustee. So next thing we get another letter with the pays us this amount or we will forclose on your property. Our lawer suggested some stupid idea of paying the past due as payments added to our normal payment. Now that would make over 1000.00 dollar payments on a house I originally bought for17,500 with the equity payments we were already paying 800 a month. Oh well I could go on&on. None the less if the payments would have been applied properly by the WF rep we wouldnt have had the problem in the first place. They will not help you or refinance or modify the loan to make repayment possible. I WILL NEVER GET A LOAN FROM WELLS FARGO AGAIN And now I have to move from my home of twenty years because some moron could not read his computer screen. Bottom line avoid wells fargo home equity.
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