Wells Fargo Home Mortgage offered me a loan modification trial period for three months from Dec to March at a reduced payment amount. I was left on the trial plan for 5 months. All payments were misapplied, as if I went brain dead, and didn't realize what my monthly mortgage payments were after paying down my mortgage for 16 years, using a higher payment amount.
At the end of 5 months I received 3 separate denial letters. One letter stated that all the information needed was not sent within the proper timeframe. Another denial letter stated that investor on the mortgage denied the request. Yet another letter stated all the information needed was not submitted by me within the time frame required! All letters came within days of each other. To top it off, yet another letter stated that we should pay our usual mortgage amount in the same month that we paid the reduced amount. This payment would be used to cover any costs associated with a modification (unknown amounts), and any balance left would be applied as a payment toward the mortgage.
They have created a delinquent notice of over $11,000.00 on me that is supposedly due and payable immediately. They created this by deliberately misapplying payments, and never recording anything regarding a HAMP trial modification period.
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