Current disabled-by-a-doctor homeowner of residential property. Is being discriminated against, harrassed, and preyed upon by predatory prior owner, realtor, broker, lender, home inspector, insurers. It is strongly believed and hud's belief that wells fargo "home preservation department" (f/k/a loss mitigation department) prejudiced current homeowner who was disabled by surgeons errors (dr. Culp and mendelsohn) and failed to abide by hud fha regulations per the president obama mortgage relief program regulatory letter published july 7, requiring all loan servicers to provide a 12 month forbearance for those property ownners who have no income and were not in default when applying for assistance! In addition, all subprime fha mortgages are to be granted a 30-day waiting period before foreclosure process begins! Not only did the wells fargo bank rep, ms. Joyce crawford, make false and misleading statements and denied this hud fha forbearance exists, and current homeowner denied receiving a copy of it from current homeowner and current homeowner denied that the definition of a forbearance is a delay of payments! Wells fargo bank said a forbearance means lower payments! Secondly, nor did their rep tell current homeowner about the repayment plan option for owners who had just missed a few payments! Nor was the repayment plan link accessible online! Thirdly, wells fargo banks persistent mishandling of current homeowners escrow funds and refusal to pay properly escrowed city property taxes for tax id 2660714 and hazard insurance (aetna is the diabolical insurer of homeowner and disability policies which has tried to cut off both!) until current homeowner had to intervene to ensure these were paid is inexcusable and highly suspect, especially since the former co-owner is a wells fargo bank mgr and had her mortgage through wells fargo bank who didn't pay current homeowners city property taxes per the local treasurers office, but yet still was allowed to possess the property (former homeownerswiley salesman husband is a vmi grad and in with the local sheriff)! The former co-owners sneakily had current homeowner pay their back taxes at the closing of which former homeowner did not attend, nor former homeowners husband, nor former homeowners realtor/friend (park place realty), nor the settlement / title agent (va title center) nor was the sellers new address provided nor their side of the hud-1 settlement statement completed nor was the realtors commission provided!!! Also, tax id# 2660714 was not in wf banks computer system and this tax id number had been mis-assigned to the house lot during the former co-owner's loan period which was through wf bank& the correct tax id number for the house lot (tx id #2660709) had been switched around and assigned to the vacant lot next to the house lot! Therefore this is very suspicious and it is reasonable to presume the former co-owner and wells fargo bank employee, who knows people in the home mortgage dept she told current homeowner, is trying to get current homeowners house back on-the-cheap by stopping payments for current homeowner property taxes now so former homeowner can buy current homeowners house back by paying back property taxes on the courthouse steps at auction!!! Current homeowner keeps getting former homeowners mail! Who also acted like they were the bank and had treated current homeowner like a renter during the negotiaition process which contained numerous unreasonable potential show-stopper terms which current homeowner discovered, and current homeowner found the former co-owners had breached the purchase contract and had not performed the contractually binding repairs requested on this 78-year old house— their realtor/friend had modified their contractors invoices to deceive current homeowner into believing they had made all agreed upon repairs! Current homeowner has reported to the authorities how former homeowner and her former neighbors/friends/business associates keep coming by or onto property or have said or done things of a juvenile delinqunt nature to sabotage property and harrass current homeowner to try to make current homeowner move out, including the home inspector who said he couldnt read the repairs listed in the repairs amendment and who participated in the pre-sale and post-sale repair effort (building consultant services who has changed their name to don field inspections)!!!
These deceitful acts of omission and commission constitute a flagrant violation of the fdcpa, tila, fha, ftc rules, as well as the hud regulation referenced above. Wf rep stated in current homeowners letter of denial the reason was the investor wouldnt give permission to grant the required fha forbearance (??), but said on phone it was due to no income—fha is the investor/insurer and require a forbearance type ii for which this exact reason and purpose and requires removal of upfront hurdles to qualify!!
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