In 2008 I lost a good job and found myself out of work for 6 months preventing me from being able to afford my current mortgage payments. It took 2 years of fighting and arguing with Wells Fargo Home Mortgage Criminals to get just a trial remod. The only reason why they finnally agreed to send me a trial remod package is because I made a formal complaint with Freddie Mac, & Springboard a sister group of HOPE HOTLINE. They did a 3 way call with me to Wells Loss Mitigation Dept and that placed them in their right mind temporarily so they actually e-mailed me the loan package which I still have saved to my p.C. They have lied in the past to people and myself stating we don't email. This company lies about everything every step of the way. They used to have my phone number listed on their files now all of a sudden by magic they lie and say we never had your number. The trial remod program or HAMP is what I was on and it states on the very first page that this is a forebearance agreement and that while you are on the trial period as long as you comply and make timely trial payments Wells will not take any action against you.
Well let me tell you how they illegally broke that rule. They thretened me with foreclosre both in writing and verbally. They lied and said they started the foreclosure process when they really never did. I had that confirmed by one of their own agents. They are very stupid if they think they are gonna get away with breaking a basic collection law that even I am aware of. It's been 8 months of trial payments and the original letter states 4 months then permament payments and the only qulifications are that you continue making your payments and sending your paperwork on time. I have complied all the while. They never said that I was late or that they didnt receive my paperwork. And today they send me a letter stating they cant approve me for the hamp because they would have to change the terms of my loan. What the hell is a remod for if it doesn't change the terms of someones loan. Do they think i'm stupid or are they stupid. They know as well as I do it takes 18 months in N.Y. To foreclose on someones house due to the law and the courts being backed up. They are stlalling for time to take my house. If I have to I will get a Bankruptcy Attorney. I don't wish to do that I want to be approved for the same trial period payment because thats all I can afford and what the hell did they come up with that amount in the first place. They know thats all I can afford. Right now not only do I want help in making my lowered payment permanent but I also want to log a complaint against Wells they have broken every fair debt practice that there is. Please If there is an atty out there who wants to make a name for himself and help me out gratis or for a reduced free please contact me I only know so much about the law and what I can do by callign agencies. I need your help to come after this scum of a mortgage bank and put them where they belong.
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