Supporting, Informing & Connecting People in Foreclosure

WELLS FARGO MODIFICATION SCAMS long but please read we need action

IN SEPT 2010 Me and my husband were CURRENT ON MY MORTGAGE!!! we just paid the 5th payment of a wells fargo "in house " modification that was more than my original mortgage that i asked for help with. They kept us on a string from june 2009 to april 2010 losing my paper work at every turn. faxing and refaxing became the new normal back in the fall 2009. i sign a forbearance with wells fargo june 2009. i was denied a hamp loan?? why?? i had not worked for 5 months i do not understand. by sept 2010 i was working in a hospital now "74" miles away. but it was in st petersburg fl, hit hard by the bp oil spill. being an employee i could not claim any relief. i was canceled weekly. my salary severely affected. sept 2010 my husband became ill. we actually still have not collected that month of pay from his former employer, but i was at odds how to pay my mortgage. i did not want to lose my home. i had put the required 20% down and could not walk away. so i called wells fargo. i was told this time that to apply for a hamp loan i had to in eminent default before i could apply. thats funny because just the year before that was not so. i asked questions. i asked for this in writing every person i spoke to refused. i was told once i was in eminent default which meant i was 3 months late they would take my application and i would be approved. well things did not work out that way. i called sept 14th, i called sept 15th. i was scared but they kept telling me i had to be in eminent default. i said ok . little did i know back then they had just caused a promissary estopel by telling me not to pay because i was current. this needs to be proven . apparently never missing a payment on a mortgage since i have been a home owner since 1991 is not enough. i had a 789 credit score before this whole mess started. thats not good either. but having people to testiy to the judge under oath is what we all need. how do we acomplish this. to beat this we need to start a private date base. so that we can be called by each others lawyers and testify what wells fargo has done. not only did they move my file and lose paper work but denied me a hamp loan and put me in foreclosure.

if anyone one has any ideas please either write here or friend me and we can all brainstorm together. but staying by ourselves is not going to help this horrible situation we are finding ourselves in after a lifetime of working.

please hear my plea and help i do not want to lose my home and i do not want anyone else to lose theirs. we need to think of these kids that stressing out over this.

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Permalink Reply by saving my home in floridah on August 31, 2011 at 8:50pm

we need to involve each other

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Permalink Reply by saving my home in floridah on September 7, 2011 at 10:22pm

we need to get this fraud exposed please help

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Permalink Reply by DisabledDad on September 7, 2011 at 11:11pm

Saving-

I wish I could tell you to do what I did and still doing, but I don't know the differences between California and Florida. I can tell you to just go over your docs over and over to find problems. I nit picked my docs to death and have found nearly 2 dozen verified problems and very few were found on the first, second or even fifth time through. Find out what HAS to be on a doc in Fla, Check the RESPA, HUD, Equal Credit laws for Fed and State. Thats how I found the probs.

Wish you Luck

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Permalink Reply by DisabledDad on September 7, 2011 at 11:19pm

Saving-

I'm not sure how much you have been able to do but after dealing with my crap and learning from others here the first and easiest thing to start with is THE NOTARY(IES).

GET COPIES OF THE JOURNAL PAGES. In my case, NEITHER NOTARY could/would provide a copy of the journal page. That's pretty big.

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Permalink Reply by saving my home in floridah on September 9, 2011 at 12:12am

thank you dad!!! appropriate name aye! thank you for your advice iknow this crap happeningin different sates is hard. i try and learn fron these folks on this website but i just do not understand how much i can do QWR ect all that is exposed in discovery in foreclsoure court. i am always being yelled for "not" listening. listening to what. wells fargo told me current on my mortgage "NOT" to pay. which null and voids a contract by promissary estopel. i spoke to a lawyer today in florida and he will not sue wells fargo for me. he rather see me do chapter 7 discharge the debt in my home and credit cards and i lose my home. i explained i put 20 % down i cant just walk away. it sad they have done this to us and we cant seem to get any releif from any of these lawsuits. we signed notes and mortgages with the wrong lender on the paperwork. our appraisals were fraud. i did get senator marco rubios office in orlando involved because i think whay wells fargo has done is unacceptable my mortgage was current. i should have been able to apply for hamp right away. they caused this and shold be punished. i complained to all governament entities. i found osme incredible info. on 1/15/11 i received a letter from the loan proccessor she wanted pay check stubs to continue my hamp review since i was moved out ov review ????? in dec 2010. then on 1/30/2011 i received anohter letter from wells fargo wanting a complete hamp application again>>> i sent both on 2/2/2011. so we have to entities working against each other??????????? i hope they can help me i do not want to lose my home.

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Permalink Reply by Justice on October 5, 2011 at 6:23pm

the lawyer who did my closing for wells fargo, said that wells fargo doesn't send a signed copy of the mortgage to you. believe that I'm not going for it. why can't I get a copy of the note I signed, the lawyer said I would and now he has taken his own words back. When I did the forensic report on my mortgage there are ll violations and the OCC is now accepting Wells Fargo's word over mine.

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Permalink Reply by saving my home in floridah on October 6, 2011 at 7:46pm

sharon if all complain thee Occ IS GOING TO HAVE TO TAKE ACTION

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Permalink Reply by Justice on October 12, 2011 at 8:52pm

finding out missing parts in my mortgage, am going down to clerk's office to try to get a copy of the deed. can't get it online for some reason. not the deed itself

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Permalink Reply by Justice on October 6, 2011 at 8:05pm

Sorry for this being so long. My story runs with the same basic thread as yours. I did lose my job, I couldn''t pay, was offered a modification with a balloon payment at the end and payments would go back to the way they were. Couldn't do that, so of course, I ended up being way behind. I was served with foreclosure papers, got an attorney, went to NACA, got trial mod. Completed and then was told wells fargo had reversed the application and I was in excessive forebearance, kept sending financials, kept going to conferences at court, wrote letters to my congressman, the OCC. To date, the OCC has stated that Wells Fargo has done nothing wrong and has accepted their explanation as and finds nothing wrong with Wells Fargo losing my papers and rescending the HAMP mod I had. I don't even know how to reply to the OCC. How can this be?

I have been denied an in house mod as well, even though my finances have improved, they still say I don't make enough because of the forebearance. I wouldn't be in forebearance if they gave me the mod in the time they were suppose to and didn't waylay all my paperwork.

I totally agree with you as to not staying to ourselves, I am out of ideas myself. I have a 90 year old mother and moving her at this age will kill her. I don't understand this. If the bank would work with me I could afford this house.

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Permalink Reply by saving my home in floridah on October 7, 2011 at 11:55pm

one thing i hope other people see our monolog and get involved we cant do this alone. yes everything that has been done to you has been done to us. the 2nd time i asked for a mod and they moved my file and lost my paper work is when I decided the JIG was up nomore games. what state are you in. you need to contact the senator in your state and deal with his/case worker. i have received letters from wells fargo on his egging. funny they tell me to apply to hamp (did you know every new application we have sent over these years they recieved 1k from our government that is why they want us to keep appling) but they are going to continue foreclosure proceedings. what planet do they live on. quick synopsis. i get approved for hamp i pay 900 $ a month and then served court papers how do i pay a lawyer??? are out of their minds. dont answer me i know. i am shooting in th ebreeze here. we obviously are being strangled.

stay in oyur home do not leave until the fta lady sings which i s realy the eviction team from the police department.

please check all your mortgage paper work look for appraisla fraud, mortgage application fraud and any violations you can fins

other issue that is out there is that wells fargo did not fund these loans. we need to devise a way to find out who did. i have a feeling we need to supeana the title company.

this is hard we are all leary of each other and how to get help this mess is stinky. i have 3 kds that also do not want to move.

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Permalink Reply by DisabledDad on October 8, 2011 at 12:42am

saving,

I'm not sure how your freinds, family and neighbors have reacted to your situation, but I can tell you that all of the above thaought I was full of sh@t . Full of Sh@t about the fact that Bank of Assh@!3$ would be involved in such criminal things that I had described. Even when I showed them, it had to be a mistake. Well that's what all the others think too and that's exactly why we have to make a scene. That's why the Wall St. protests are spreading to all the other cities and why I put a 4ft by 8ft sign in front of my house. After a year of getting nowhere, I realized that just because I knew what was happening, no one in my neighborhood knew. Your neighbors are all afraid or being considerate not to ask. They want to know. The sign gives them permission to ask and to be informed. It also takes a lot of pressure off of both. I talked to my son about it(though he no longer lives at home) and he was all for it . He said that he would do it too if someone tried to steal his home. I thought he'd be embarrassed. He told me it showed I had BIG BALLS. He said he was proud that I would stand up to Bank of America and what a bunch of p****** they were for trying to steal what I had worked for all my life. Beleive me Bank of America will DIE, because too many kids have seen what they have done and wont do biz with them. THEY ARE DONE. Just stick it out as long as you can and be a PAIN IN THEIR ASS.

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Permalink Reply by saving my home in floridah on October 8, 2011 at 9:02am

oh dad, yup going through the same. my brother who lives in israel knows what is happeingin gin america. how they bet on our mortgages to fail so they allowed the appraisal fraud and mortgage application fraud. when i first found the application fraud i was devastate