Thursday, December 30, 2010

CALIFORNA VICTIMS OF WELLS FARGO UNITE! HELP EACH OTHER PREPARE PLEADINGS, SWORN AFFIDAVITS, AND BE WITNESSES FOR EACH OTHERS CASES. HELP EACH OTHER WIN! SAVE YOUR HOMES TOGETHER. HOMEOWNERS HELPING HOMEOWNERS!

CALIFORNIA RICO ACTION FORMING
AGAINST WELLS FARGO

Dear Kelly Hansen:

My name is David Chey. My senior citizen mother was subjected to the plain and blatant theft of her single family residence by WELLS FARGO, in an illegal, fraudulent oppressive foreclosure sale. I enclose a an opening brief to the U.S. Court of Appeals to the Ninth Circuit which describes the factual and legal basis of their criminal offense which include P.C. 182(a)(6) Conspiracy To Pervert And Obstruct Justice and the criminal offense of the violation of Title 18 U.S.C. 1341, 1343 Mail and Wire Fraud; Scheme To Defraud Through Foreclosure Fraud.

I am seeking to prepare a RICO action against WELLS FARGO for the above criminal offenses; and to establish that this is a custom, and pattern of unlawful acts need information and participation from more victims of WELLS FARGO, what WELLS FARGO did to them. Since I am mostly aware of California Law, preferrably from California. To successfuly prosecute them by establishing the pattern and a threat of continuing activity and substantial perpetration of crimes and injury to persons.

Please telephone me at (949) 262-1499 or email me at davidchey@gmail.com

Thank you.

_______________________________________________________________________________


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URGENT! WHEN WELLS FARGO TELLS YOU TO "DISREGARD THOSE LETTERS TELLING YOU YOUR HOME IS BEING FORECLOSED UPON BECAUSE THEY ARE JUST AUTOMATED LETTERS" DON'T BELIEVE THEM! WHEN THEY TELL YOU YOU ARE BEING CONSIDERED FOR A MODIFICATION SO THOSE LETTER DO NOT APPLY TO YOU, DO NOT BELIEVE THEM! IF WELLS FARGO REFUSES TO PUT SOMETHING THEY TELL YOU INTO WRITING, THERE IS A REASON. THEY ARE LYING TO YOU!!

Hi Kelly,

Thanks for responding so quickly! I am very frustrated and at my wits end dealing with Wells Fargo.

Here is a long story short...

I have been trying to get my loan modified for several months. I was on a reduced payment plan for about 8 months before starting this process. I was asked to provide some paperwork - hardship letter, expenses, bank statements, income, etc.I have submitted paperwork to the Loss Mitigation Department via fax several times and have called to check and ensure it was all received. The representatives I have spoken to confirm receipt but a few days later I have received calls that my paperwork has not been received or is missing. This has happened several times and I have gone back and re-submitted the required information.I have records of the several representatives that I have spoken to, including their names and ID numbers. I recently received a letter from Wells Fargo telling me that my home is being foreclosed on! All this time, I thought I was working through a modification! I called Wells Fargo and they told me to disregard the letter, saying is was an automated letter.

This has been very frustrating because I have done all that was requested from me, including making reduced payments. I even paid a downpayment of $2353 that was supposed to be part of this modifocation.

Any information or guidance you can provide is much appreciated.
________________________________________________________________________________

Send Wells Fargo NO DOWNPAYMENT (EVER, EVER, EVER) AS PART OF A MODIFICATION AGREEMENT, UNLESS THEY FIRST PUT CONFIRMATION INTO WRITING THE DETAILS OF THEIR AGREEMENT WITH YOU.   OTHERWISE, I PROMISE YOU, YOU ARE THROWING YOUR MONEY AWAY.

THIS IS A WELLS FARGO PLOY TO STEAL YOUR MONEY, AND TO WASTE YOUR TIME, WHILE THEY GEAR UP TO STEAL YOUR HOME. 

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ATTORNEY CALL TO ACTION! HOMEOWNER NEEDS HELP IN SAN DIEGO COUNTY, CALIFORNIA! MAY GOD BLESS EVERYONE WHO HELPS HURTING HOMEOWNERS!

Kelly,

I have a negative amortization loan with Wachovia/Wells Fargo. I am a contractor my income is about 1/3 of what it was 3 years ago.  I recently completed Ch. 7 BK.  I have been working with Wachovia for a solid year to obtain a loan modification.  I have submitted over 1000 pages of documents. My response time is about 24 hours. I can safely say I did not lag. The numbers don't lie. I qualify. I have come to the conclusion that they are not going to do this or any loan modifications. I need some help. Is there a class action suit I can join or ????????

Principle Balance of the loan is $480,000
Length of time Trying to get Mod 13 months
According to income I can afford pmt. of $1996
Current P.I.T.I is $3032
House Value $425,000

Thank you,
Mark

(please e-mail Kelly L. Hansen at kellylhansen143@gmail.com and I will give Mark your contact information.  Thank you so much, and God Bless You for helping hurting homeowners!!)
________________________________________________________________________________

Dear Mark,

A class action is not the way to go.  You will never receive the reparation you deserve.  Let me do an ATTORNEY CALL TO ACTION for you.

I won't give your last name out on-line, or your phone number.  I will ask interested parties to contact me, and then I will put you in touch with them.

God Bless You and start praying!!
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Wednesday, December 29, 2010

HOMEOWNERS HELPING HOMEOWNERS: $1,815.09 IS ALL THIS HOMEOWNER OWES TO BRING THEIR MORTGAGE CURRENT. YET WELLS FARGO CHANGED THEIR LOCKS, WINTERIZED THEIR HOME. WITHOUT ANY NOTICE TO THE HOMEOWNERS.

PLEASE HELP PREVENT ANOTHER WELLS FARGO FORECLOSURE AGAINST AN INNOCENT HOMEOWNER -- THIS IS ABSOLUTELY UNCALLED FOR!

Minnesota Homeowners in Need of Help. We need a Minnesota Attorney willing to work on contingency to help these Wells Fargo homeowners. 

$1,815.09 -- HOMEOWNERS:  If you can, please make a donation.   Help this family.

Dear Mr. Oberstar, Ms. Klobachar, Mr. Franken,

We are writing to you as we need your help and/or guidance with our Wells Fargo Mortgage. We have heard there is a Class Action Lawsuit against Wells Fargo and need to know how to become a part of this.

We had to temporarily move to Tucson, AZ in March 2010 for my employment. At this time I am on Short Term Disabilty for severe depression. My husband is disabled. We had a house sitter until the end of September when she moved back to ND. Since then my father who lives in Hermantown (3 miles away) has gone by daily and he has kept the yards in a manicured state. He cut the grass, cleaned up any debris, and checks inside the house daily to make sure everything is running ok. With all of the snow that has fallen in Duluth he saw no reason to shovel the drive until he knew we were on our way home. He has also put thermometers in the 3 of the windows so he can monitor the inside temps.

We purchased our home for $157,000 in 2007; of which we paid $60,000 down; we currently owe around $92,000. There is a lot of equity in our home. It is our life savings and we can not afford to lose it, but, Wells Fargo has everything to gain by taking possession of it.

We have fallen behind in our mortgage payments due to unforeseen medical expenses, and having to pay for our rent and utilities here and our mortgage and utilities in Duluth.

My husband fell and broke his hip in April and we were inundated with almost $3000 in medical bills as we do not have any supplemental insurance. Then he fell again in November and jammed 3 of the vertebrae in his neck. We have been going to intense physical therapy treatments three times a week since his fall. We are paying $105.00 a week for these (which we truly do not have the money). Wells Fargo is showing we are 3 months in arrears; I made a payment to them on the 22nd so actually we are 1 month, plus $309.00s in arrears as December is not over yet. They are holding $500.00 towards a payment until the other $309.00 is paid. They only post complete payments to your account.

We are trying to make up the back payments the best that we can. After many conversations with Wells Fargo, we were transferred to a Debt counselor and after over an hour on the phone he stated we should qualify for the HAMP program. We received the paperwork from him and filled it out and sent it back. We never had a single response from them. Then I called several times again and finally spoke with another employee and they said we did not qualify as we were not living in the house.

It seems that Wells Fargo has engaged with CMS to watch the property of which they are charging us $15.00 a month for a drive by. This fee started in May 2010. Also, we will have new charges from CMS as they took possession of our home, changed the locks so my father could no longer gain access, they plowed the driveway and they took it upon themselves to winterize our home by putting anti-freeze into the plumbing system (Wells Fargo says we will have to pay for all of these actions once they have been billed by CMS). I have since been able to get CMS to send one key back to my father so he is now able to gain access, but they retain the other 2 keys.

Please give us some direction or a help line that we can call--we cannot lose our home! It is all we have!

PLEASE PLEASE PLEASE HELP US!!!!!

Sincerely yours,


John and Claudia
MINNESOTA HOMEOWNERS

_______________________________________________________________________

Please contact Kelly L. Hansen at kellylhansen143@gmail.com and I will connect you with John and Claudia if you are willing to try to help them save their home.

Thank you, and God Bless You.

GOD BLESS ALL HURTING  HOMEOWNERS!


There are so many actions the homeowners write about here that Wells Fargo has committed that it is quite clear the homeowners have a few bones to pick:  Wells failed to give the homeowner any notice regarding a pending default; prior to changing locks; prior to winterizing home.  Wells always fails to first attempt to accurately assess the true situation before they jump.   I mean, can't they read the signals?   The furniture is still in the home, the utilities are still on...  Perhaps people have to visit sick relatives...do you ever consider the real world before you steal homes from homeowners?  Or are you so desperate for money, so money hungry, that you don't care if they houses you are taking don't belong to you? 


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MONTANA HOMEOWNERS IN NEED OF URGENT HELP. WE NEED A MONTANA ATTORNEY WILLING TO WORK ON CONTINGENCY TO HELP THESE HOMEOWNERS AGAINST WELLS FARGO'S ILLEGAL, WRONGFUL FORECLOSURE TACTICS IMMEDIATELY!!


MONTANA ATTORNEY NEEDED IMMEDIATELY FOR A WRONGFUL FORECLOSURE ACTION AGAINST WELLS FARGO! 

MONTANA HOMEOWNERS IN NEED OF URGENT PRAYERS.  ALL HOMEOWNERS PLEASE PRAY FOR EACH OTHER.  MAY GOD BLESS ALL HURTING HOMEOWNERS! 

Kelly,

The following is the story of how I lost my home and subsequent events.

In 5 days, my home will be auctioned off to the highest bidder in a sealed bid process.  I tried for 19 months to get a loan modification.  The loan balance on my home at the time was $220,000. 

This was not only my home where I lived and raised 7 kids for 15 years, but is also where I laid to rest 2 of my daughters after 2 separate accidents took my girls.  Now, in 5 days, this home will be permanently striped from the family and sold for cents on the dollar after 15 years of mortgage payments.   I lost the home to foreclosure in Feb 2010 and had till April 1, 2010 to move out of my home.  This is not easy when you are disabled.  In February of 2010, I was awarded my social security disability and could have afforded the payments at the current asking price.   

After all the time and money that has been spent in the foreclosure process and the monies that have been spent for someone to be sent in to clean, mow, weatherize, etc and now the home/property is being auctioned off for a minimum bid of $87,000 in 5 days.  [emphasis place by the editor, Kelly L. Hansen]  
According to what we have heard, the home had previously been listed for $140,000 and did not sell.  We didn’t even know about this until after the fact.  Now we find out that the home that I lived in, raised my family in and laid 2 of my girls to rest is now being auctioned off for $87,000 (minimum bid).   

Why couldn’t the mortgage company do more to allow me to stay in my home?  Look at how much the banks/repo people have spent to take my home from me.  The house has been empty now since April 1, 2010.  Why is it that the mortgage company, Wells Fargo, can spend so much money to lose so much money?
[emphasis place by the editor, Kelly L. Hansen]

My home was taken away for inability to pay $220,000 after a life threatening auto accident in August 2008 and is now being auctioned off for a minimum of $87,000 which would have been an extremely affordable payment.  What kind of economic genius figured this out?  The banks are losing money, families are devastated, good homes are losing value, being vandalized and over-run by pack rats and yet this continues? 
[These are the kinds of questions I want answered, too.  Comments by the editor, Kelly L. Hansen] 

My credit is so bad now (due to the large amounts of medical bills, unpaid mortgage payments and lack of ability to work) that I can’t qualify for a loan to buy back my home yet I have a steady income from social security disability and could afford the monthly payment on this amount.  I am disabled and without the goodness of my daughter, would also be homeless.

Where is the justice?  This is supposed to be the greatest country in the world…..  prove it!  

[I know God is great, and only he can PROVE IT!  I pray that he does prove it, to you, soon.  I know the world is filled with great people.  I know these lessons are so very hard.  I believe in the power of prayer combined with the willingness of good people.  Pray Hard. Comments by the editor, Kelly L. Hansen] 

We believe that our story may possibly help someone else and if it only helps one person remain in their home, it will have been worth it.  We want to point out how ridiculous and heartbreaking our society has become.  I was one of the lucky ones, I had a place to go when my home was taken from me.

[Our nation of bankers has become horribly selfish, I'm sickened by it.  I was luck, too, my mother took me in.  I, too, am disabled.  I believe God gives restoration and healing to those who take their pain and help others.  He has helped to heal my heart.  I believe he will heal yours too.  He does so in ways you can never imagine.   He is one beautiful God.  I'm not saying the hurt every completely goes away, sometimes it comes back in bittersweet moments.  But you do have moments of happiness you never thought you would ever experience again.  Please don't give up, I beg you.  Miracles are just around the corner.   Comments by the editor, Kelly L. Hansen] 


Sincerely,

Nick
Thompson Falls, MT

Thank you, and God Bless You.  Attorneys interested in helping, please contact me and I will put you in touch with Nick.  Thank you!

GOD BLESS ALL HURTING  HOMEOWNERS!


There are so many actions the homeowners write in to me about that Wells Fargo has committed so many crimes it's hard to imagine when they are ever in the right.   Wells Fargo fails to meet their contractual obligations days after entering into an agreement with a homeowner yet they rant and rave when a homeowner misses a deadline by 24 hours!



Wells repeatedly fails to accurately assess the true situation before they jump to conclusions and start barking out orders that turn around to bite them in the butt.   I mean, can't they read the signals?   The furniture is still in the home, the utilities are still on...  Perhaps people have to visit sick relatives...They never consider the real world before stealing homes from homeowners?  They are so blinded by greed and opportunity, so money hungry, they simply do not care if the houses they take do not belong to them.

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WHY I WRITE THIS BLOG. WHY I WARN OTHERS AGAINST BELIEVING ANYTHING WELLS FARGO HAS TO SAY. WELLS FARGO DOES NOT CARE ABOUT ANYONE BUT THEMSELVES. WELLS FARGO WILL TELL YOU ANYTHING TO SQUEEZE YOUR LAST DIME OUT OF YOU BEFORE DENYING YOUR MODIFICATION. WELLS FARGO INCORRECTLY PAID MY PROPERTY TAXES, ENABLING THEM TO STEAL OVER $100,000 FROM ME. WATCH OUT FOR THEIR CREATIVE, SELF-SERVING "ERRORS" IN SERVICING YOUR MORTGAGE LOAN..

WHY I KEEP WRITING THIS BLOG 

I hurt so much because I know some of you are going through the motions of living your lives and at the same time you are so scared. I understand your fear and your frustration with Wells Fargo. Times are so hard ANYWAY, and all you did was ask if they would help with a modification, and instead of help you, they have created a huge problem for you. I couldn't believe it when I was suddenly forced to fight against a mortgage payment that jumped from $514 to $1441 per month. I had a 30 year fixed mortgage. A 13 year perfect credit history. A 720 middle score. Wells Fargo created a -$5500 escrow when I had never had an escrow account before. I always paid my own insurance and taxes. But when WELLS FARGO took over my mortgage it took them just one short year too ruin my mortgage history and my credit.

Wells Fargo decided to pay my property taxes TWICE, and then they prepaid my homeowners insurance. I'd always paid month to month. After spending the last four years talking to hurting homeowners there is one thing I know for sure, Wells Fargo has created several sure fire ways to put homeowners in default so they can blame the homeowner when they steal their home.


The "negative equity" created by Wells Fargo caused the 300% increase in my mortgage payment. Totally unexpected. And even though I immediately called the Johnson County Tax District and they confirmed both of the tax payments of $2215 were refunded back to Wells Fargo within one week of receipt, Wells Fargo did not EVER credit my mortgage account. It didn't matter how many calls I made, or who I talked to, or how many times I faxed in proof of payments, nothing mattered, in six months they foreclosed on my home.

I lost over $100,000 in equity in my home. I only owed $61,000 on my home. I lost everything. I understand the fear and frustration of having your home stolen out from under you by Wells Fargo who created a "mistake" on their own to make it appear as if it was yours. Do you feel as if your legs have been kicked out from under you? No matter what I did I could never move forward. I tried for months on end to get them to correct their error. It just never happened..all the way up to the sheriff sale.

And because Wells Fargo keeps doing the same damn thing is the reason I keep writing this blog.
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JOIN CLASS ACTION AGAINST WELLS FARGO FOR HAMP VIOLATIONS BY CONTACTING BERNARD J. CONWAY, ATTORNEY

Welcome to the Law Office of
Bernard J. Conway, Esq
 

The Law Office of Bernard J Conway is dedicated to rendering affordable legal services to small businesses and individuals concerning their legal affairs. You will be quoted FLAT RATES - no hourly fees. Bernard J. Conway has been running his own law and financial advisory firm for the past 20 years. As a legal workout specialist, his work is heavily grounded in developing legal defense strategies for businesses and individuals facing financial problems.

The Law Office of Bernard J Conway has recently filed a Class Action lawsuit on behalf of home mortgage borrowers that have been wrongfully denied a home loan mortgage modification under the recently passed Federal Home Affordable Mortgage Program ("HAMP").

There are thousands of homeowners caught up in the current mortgage crisis that lack competent, affordable legal counseling. Bernard J Conway is dedicated to offering home owners experiencing financial difficulties legal representation in these matters.

Knowing your legal options is the only way to develop a realistic strategy to protect your financial interests.

Telephone: 312-235-2052

Bernard J Conway Attorney
Chicago Illinois
Files Class Action against Wells Fargo for HAMP and other violations.
Crowley v Wells Fargo 
10 cv 07256N D Ill
Related articles

Tuesday, December 28, 2010

HOMEOWNERS HELPING HOMEOWNERS: $1,815.09 IS ALL HOMEOWNERS OWES TO BRING THEIR MORTGAGE CURRENT. YET WELLS FARGO CHANGED THEIR LOCKS, WINTERIZED THEIR HOME, AND WITHOUT ANY NOTICE TO THE HOMEOWNERS.

PLEASE HELP PREVENT ANOTHER WELLS FARGO FORECLOSURE AGAINST AN INNOCENT HOMEOWNER -- THIS IS ABSOLUTELY UNCALLED FOR!

Minnesota Homeowners in Need of Help. We need a Minnesota Attorney willing to work on contingency to help these Wells Fargo homeowners. 

$1,815.09 -- HOMEOWNERS:  If you can, please make a donation.   Help this family.

Dear Mr. Oberstar, Ms. Klobachar, Mr. Franken,

We are writing to you as we need your help and/or guidance with our Wells Fargo Mortgage. We have heard there is a Class Action Lawsuit against Wells Fargo and need to know how to become a part of this.

We had to temporarily move to Tucson, AZ in March 2010 for my employment. At this time I am on Short Term Disabilty for severe depression. My husband is disabled. We had a house sitter until the end of September when she moved back to ND. Since then my father who lives in Hermantown (3 miles away) has gone by daily and he has kept the yards in a manicured state. He cut the grass, cleaned up any debris, and checks inside the house daily to make sure everything is running ok. With all of the snow that has fallen in Duluth he saw no reason to shovel the drive until he knew we were on our way home. He has also put thermometers in the 3 of the windows so he can monitor the inside temps.

We purchased our home for $157,000 in 2007; of which we paid $60,000 down; we currently owe around $92,000. There is a lot of equity in our home. It is our life savings and we can not afford to lose it, but, Wells Fargo has everything to gain by taking possession of it.

We have fallen behind in our mortgage payments due to unforeseen medical expenses, and having to pay for our rent and utilities here and our mortgage and utilities in Duluth.

My husband fell and broke his hip in April and we were inundated with almost $3000 in medical bills as we do not have any supplemental insurance. Then he fell again in November and jammed 3 of the vertebrae in his neck. We have been going to intense physical therapy treatments three times a week since his fall. We are paying $105.00 a week for these (which we truly do not have the money). Wells Fargo is showing we are 3 months in arrears; I made a payment to them on the 22nd so actually we are 1 month, plus $309.00s in arrears as December is not over yet. They are holding $500.00 towards a payment until the other $309.00 is paid. They only post complete payments to your account.

We are trying to make up the back payments the best that we can. After many conversations with Wells Fargo, we were transferred to a Debt counselor and after over an hour on the phone he stated we should qualify for the HAMP program. We received the paperwork from him and filled it out and sent it back. We never had a single response from them. Then I called several times again and finally spoke with another employee and they said we did not qualify as we were not living in the house.

It seems that Wells Fargo has engaged with CMS to watch the property of which they are charging us $15.00 a month for a drive by. This fee started in May 2010. Also, we will have new charges from CMS as they took possession of our home, changed the locks so my father could no longer gain access, they plowed the driveway and they took it upon themselves to winterize our home by putting anti-freeze into the plumbing system (Wells Fargo says we will have to pay for all of these actions once they have been billed by CMS). I have since been able to get CMS to send one key back to my father so he is now able to gain access, but they retain the other 2 keys.

Please give us some direction or a help line that we can call--we cannot lose our home! It is all we have!

PLEASE PLEASE PLEASE HELP US!!!!!

Sincerely yours,


John and Claudia
MINNESOTA HOMEOWNERS

_______________________________________________________________________

Please contact Kelly L. Hansen at kellylhansen143@gmail.com and I will connect you with John and Claudia if you are willing to try to help them save their home.

Thank you, and God Bless You.

GOD BLESS ALL HURTING  HOMEOWNERS!


There are so many actions the homeowners write about here that Wells Fargo has committed that it is quite clear the homeowners have a few bones to pick:  Wells failed to give the homeowner any notice regarding a pending default; prior to changing locks; prior to winterizing home.  Wells always fails to first attempt to accurately assess the true situation before they jump.   I mean, can't they read the signals?   The furniture is still in the home, the utilities are still on...  Perhaps people have to visit sick relatives...do you ever consider the real world before you steal homes from homeowners?  Or are you so desperate for money, so money hungry, that you don't care if they houses you are taking don't belong to you? 

CONSUMER AFFAIR COMPLAINTS AGAINST METLIFE AND FIRST HORIZON

I contacted First Horizon (Metlife) in December 2008 due to lost of income requesting my account be reviewd for a loan modification, to be told that my investor will never agree to modify my loan. So I hired a company to assist me in this quest. this company contacted First Horizon once a week from January 2009 to June 2009 to be told each week that my account would never get a modification.

On July 1,2009 the company that was assisting me called me and told me to go down to my near western union office and wire a $3800 payment to First Horizon at the same time this company sent a fax proposal showing my income along with a payment that I could afford according to the new making home afforable program that had be put in affect March 2009.

With in the next week we were contacted by a rep claiming to be from metlife home loans telling us they received the money and proposal but they would be returning the $3800 and for us to only send $3300 and we complied they sent out a fedx packet to my home, I read the agreement and returned the packet.

I was given a monthly payment for the next 4 months with the last month November 2009 to be a ballon payment that I would be unable to make I wrote a letter before the November payment was due explaining why I wouldn't be making the payment along with current copies of my pay stubs, Bank statements, Tax returns, and a finacial worksheet, the company that is assisting me contacted Metlife to be told that I didn't have an agreement because I had completed the agreement and my account was being reviewed for a loan modification, the rep stated during this process they were not excepting any payment but to save my money,
They sent back the payment I made for December 2009. Each week in December they were contacted and ww were told the account was in review. Then I received a letter dated December 23, 2009 I revceived the letter January 13,2010 stating that They need updated proof of income, financial worksheet, bank statements and tax return. We resent them the next week, a week went by and I received a message from a rep from Metlife telling me she needed the documents that I had sent already 2 times within 60 days. once again we sent the documents this time we called to get the fax number it was the same fax we had been using all the time. and once again we called once a week checking the status to be told the account is in review. until we received a letter dated Febuary 23 2010 stating that to avoid foreclosure send the requested documents, we called to be told they didn't have the document. We sent them once again. following up with Metlife the next week they stated the account was in review.

In March we received a letter dated March 11,2010 my acount was being processed for foreclosure because the requested documents had not be received the company assisting me called and spoke with the rep who said she was working my account and was told she a closed my account and I would have to start over requesting a loan modification,we reaplied on March 15,2010 now we are calling every 3 days to see if the packet was received by next day USP delivery to be told they never received our tracking number show the packet was signed for we also faxed the packet to two different faxed numbers and e-mailed packet to Metlife Hopenow still to be told they didn't received any of the packets spoke to many of the reps from Metlife to be told many diffrent reason for not receiving the packets.

The next letter was to sale my home and making that call to Metlife I was so upsetting because none of the reps I spoke to could help me they all said it was my fault because they had not received any of my documents. They had the sale today. I will be filing a lawsuit against Metlife home loans to get the sale resented. I may have to leave my home for asking for help to stay in my home where I have lived and invested for the last 7 years

Todd of Victorville, CA April 9, 2010

Our First Horizon Mortgage was sold to MetLife two and a half years ago. My husband was laid off from his job in January 2009. We immediately applied for a loan modification through the Help for Homeowners Act. The nightmare with MetLife began. A workout package was sent to us within 3 weeks of starting the procedure. We completed the package and returned it to MetLife via FedEx. Not a word came to us indicating they received it; thank goodness for tracking numbers and signature delivery. We called and spoke to several employees at MetLife to follow-up a couple of weeks later. We were told it was all 'being reviewed' and that someone would 'get back with us'.

After approximately 3 months, and diligently pursuing someone 'higher up' the command on several more phone calls TO MetLife, we received documentation for a 'Forebearance' which we were finally granted. However, we soon started finding hang tags on our door telling us our loan was 'seriously delinquent' and we needed to call an 800 number. These seemed to show up monthly. Bright neon yellow doorknob tags screaming 'you are late paying your mortgage!' delivered by different individuals.

When my husband's employment status changed, WE contacted MetLife to let them know; hoping for some sort of modification or instructions on how to begin repaying our loan again. They sent out another package with an introduction letter, as if it were the first time we had ever contacted them. We were floored, and when we called them, got the runaround as usual and transfers to a plethora of 'agents' before finally being told to just fill it all out (again) and send it back. Once again, thank goodness for delivery confirmation, because they have yet to contact us when they receive anything.

So here we are, over a year later... and STILL no word from MetLife. Our loan is still in 'Forbearance'. We called again recently and this phone call was the most shocking of all: the rep we spoke to acted as if they had no knowledge that we even had a loan in arrears with MetLife. We have no idea what to do. Will they show up one day with the Sherrif and lumber to kick us out and board up the place? This is the most UNPROFESSIONAL process we have ever had to deal with. P.S. We haven't seen a yellow tag on the door in a couple of months.

Karla of Ardmore, OK April 8, 2010

I was helping a Spanish speaking client to do a Loan Modification. The property had three borrowers. They signed a letter of authorization to me and I send it six times to Metlife Home Loans. The customer service were giving me different fax numbers to send the info. Wait from 7-21 days to get answers. This going on since December 2009. They said never received the faxes. They didn't let me talk about the specific problems for this property in behalf of the homeowner.

Metlife Home Loans doesn't have a knowledgeable personnel. They were rude and inconsiderate. A single mother of five children is facing foreclosure, although the company received the loan modification package before the due date. Metlife bought the property from the whoever were the investors and said that my client has to move out. She has to wait for a letter from them. Probably 30 days.

Foreclosure in their credit. Children and a single mother out in the street. How they can afford to get the deposit, rent, moving expenses, emotional distress, finding a new life besides the torture of being abused by incompetent employees that say: We didn't receive the required faxes, when were sent many times. It is totally absurd, inhuman, and repugnant to follow and abide their plot and lies to fulfill their selfish purposes.

Silvia of Lindon, UT March 27, 2010


I sent Metlife a Modification in November, it was assigned to a negotiator on the 16th of December. I have submitted all the necassry documentation and yet I have not been given any relief. Each person I have spoken with has given me the run around and treated me like crap. I just called a minute ago, and spoke with some guy named Hose who told me he was a Default Resolution analyst. I later asked him what his position was and he changed the name to say he was merely in Default Resolution.

Something has to be done or I WILL lose my home. These people have no sense of urgency and has gone so far as to threaten me with the knowledge that whatever they do for me, will inevitably have a negative effect on my credit. HOW DARE THESE PEOPLE! This is the worse company to deal with. My friend went through a loan mod with Wells Fargo that took approximately 3 weeks. What is going on with METLIFE?

SHANNON of SLIDELL, LA March 24, 2010


I missed the Jan 2009 mortgage payment, our loan was placed into their collections, loss mitigation department for handling. We listed the property for sale, they began foreclosure proceedures. We objected to the amount, the LM dept "could not help us".

We filed for bankruptcy and requested a deed-in-lieu from Met Life (six times. WITH NO RESPONSE from MET LIFE. Currently, we had been assigned a Mr. D. - whom their lost mitigation department states he does not work there. My home is being foreclosed upon, even though I have been trying to contact them for more than 14 months. They do not even respond to me or my attorney's letters or phone calls.

Ed of Lynden, WA March 2, 2010



Recently I received a format letter that I was insufficient with my payment of my mortgage of $17.90. It was a disturbing letter since I am a very good customer and send $2300 monthly for the last 5/6 years toward my mortgage. I tried calling MetLife to find out why I had an increase and how they can notify me with such a standard letter that states they won't withstand another deficient payment without penalties.

I tried to call customer service to find out if my payment went up monthly or was this a bill for the one month of December. I could not believe that the first time i tried to reach someone in 5 years to ask a question about my mortgage I was sent through an endless loop of recordings without being able to reach a representative for over 20 minutes. I finally called in for "new mortgages" and miraculously someone picked up for new business right away, yet I was deterred because she was locked out of my file because I am an existing account.

I am disgusted with this company and appalled that my hard working money is about all this company cares about. I will need to be refinancing to get a personal loan in the near future and I am seriously considering taking my business elsewhere. I would also like to add that Metlife took it upon themselves to change my billing address and I would like it switched back immediately.

To recap I would like to know why my bill reflects a $17.90 increase, and why my billing address was change without mine or Jeff Harris' signature. I would like to be contacted through e.mail with a number of someone I can contact within NY or NJ so that I may call during working hours. I would like a supervisor's attention in this matter.

If I do not hear from a representative in a timely manner within the next 24hours I will be refinancing with another mortgage company as well as reporting MetLife to NY State as well as other Government Agencies that monitor mortgage companies. THe fact that MetLIfe has a helpline that offers no more than a machine recording is disgusting. How do [they] take thousands of dollars yearly from people and not even offer assistance when your customers need it?

Caroline of Kings Park, NY Jan. 5, 2010


I missed a payment several years ago with First Horizon Home Loans, made a double payment the following month, and was back on track. Earlier this year my First Horizon Home Loan account was assumed by MetLife. I missed a payment in October through a stupid oversight. I got a new bill late October with a new balance, which I paid - same as before. Only this time, when I received my bill in November, I still owed a double payment, plus the additional fees.

I thought that maybe my payment and the bill had somehow crossed, so I went ahead and made another double payment, thinking that that would get us ahead of the schedule. My wife suggested that I call to confirm that the payment had gone through. I did, and found that I was going to be charged another double payment in December! Meanwhile, for the month of November, I was going to again have to pay the "late" charges, for the "missing" payment. Their rationale was that anything over the monthly payment goes to principle. I pointed out to them that my bills came with bottom lines, I expected that when I paid the bottom line - the amount due - that the amount would no longer be due.

They said that the allocations are clearly identified in the body of the bill, and that this is consistant with their policies. I told them that their policies sounded like consumer fraud. They said that they would fix it.

Well, it is now December 7 - I have made two double payments to make up for my lapse in October. I just received a bill stating that I owe another payment before the 15th of this month! I will still owe January's on the 30th. I hope it all works out, I just found out this week that I no longer have employment as of the 11th. This could not have happened at a worse time.

Matthew of Portland, OR Dec. 8, 2009


I spoke with MET life since April 10,2009 about a loan modification who carries the first Mortgage on my home. I secured loan when I was married with 2 incomes. SInce the I am divorced and had to pay the divorce settlement to my EX Debbie. She got the money and I got the bills. I lost my job 12/31 2007. For eight months. I now work but during unemployment I borrowed all my retirement and used all my credit cards to stay current with mMet life. I had a 830 credit Score when I secured loan with MEt Life. I have sent Met life all documentation and hardship letter they required , six times. I faxed and overnight with return reciept. I know they recieved all my documents they asked for because of return reciept.

I was given a Forebeareance while MEt LIfe secured me amodification. I have paid my paymnets on time. NOv 4 2009, I phone because I was closing my checking account at Chase BANK and opening an an account. I over nighted money orders for the payment $1240.08 but now they want more money. I have caled three times and have been placed on eternal hold but nothing gets solved.

Lytichia Confermation #4815133693 was the one I spoke to reguarding me sendingmy money order NOvember 14 2009. The paymnet was due November 4 and I had 14 days grace as we have all understood since conception of loan. NOw MET life what the entire Payment $2498.00 Which I do not have. I have had my home since I buildt it 1983. This is my families Dream home. I feel since I have done everything to secure a modification and completely ignored. Unless I get amodification I will loose my home. My home started out apraised value $1.2 million 2007 now it is worth $367,000 since all the foreclosers. MY mortgaes are $425,000 above the apraised and tax value.

larry of Henderson, NV Nov. 23, 2009


We have a mortgage that is being serviced by MetLife Home Loans ("Metlife") who either acquired it originally from First Horizon Home Loans or is servicing the loan for them, with whom we fell behind on our mortgage payments for two months. We fell behind on our mortgage payments for two months. On July 2nd I sent Metlife an electronic payment from US Bank for $6,000 to catch up. They redeposited the money a few days later saying that they didn't except partial payments and we owed them around $7,200. On July 10th I sent them an electronic payment of $9,000 from US Bank. The overpayment was to ensure that we wouldn't be short again. The payment cleared our bank and $9,000 was removed from our account. I proceeded to make electronic payments for our mortgage for July and August from our Bank of America account. All payment can be seen in the enclosed attachments. Our family went to the west coast for the rest of the summer on a working vacation. On Septemeber 9, 2009 my wife and I received multiple letters from McCarthy, Holthus & Ackerman, LLP, a law firm stating that the full amount of our loan was now due because of failure to pay.

On September 10 I found that Metlife had taken our $9,000 payment on July 10. It cleared our bank and on July 15th Metlife deposited to our bank $9,000. They had our money for five days and we can't figure out why it was sent back. Below is the next few days dealing with Metlife and the lawfirm as told by my wife:

September 9: 1) Left two messages with the law firm. They never returned the calls. 2) Spoke with unidentified female at Metlife. She went over the history of our payments and explained the $6,000 on July 2nd and the $3,000 in late July. She had no record of a $9,000 payment. She asked if we could prove it and we said yes our bank records show $9,000 on July 10 being removed from our US Bank account to them and we have the confirmation #. 3) Spoke with Anthony at Metlife who also did not see a $9,000 payment in their system. He asked us to prove it by sending a fax showing the transaction. He gave us a fax number (214-441-7390). The person at the UPS store tried numerous times and couldn't get through.

September 10: 1) Called Metlife again because the fax wouldn't go through and was given the same fax number. I explained it didn't work and was finally given another fax number that did end up working. 2) Called attorney's and spoke with Cindy and was told by her that our foreclosure process had been put on hold by Metlife just moments earlier. 3) Called Metlife again and spoke to Belinda and was told that our house had a foreclosure sale date of October 6, 2009 (first we had heard of this) and it was the law firm that put it on hold and not Metlife. She asked for the reason of non-payment for 5 months and saw no record of the $9,000 dollar transaction. I explained she had sent a fax showing our payment cleared our bank and was informed by her that we could send 100 faxes and we still aren't going to help you because it is in the law firm's hand. I explained that there is miscommunication between Metlife and the law firm over who put our foreclosure sale on hold. She said she didn't know anything about it and suggested I contact the law firm. I said why don't you call them so the three of us can work this out. She came back on the phone a few minutes later and said the call can't go through there are just too many calls entering the system right now. 4) Called law firm again and was informed by Cindy a second time that Metlife had called them that morning to put the process on hold. 5) Called Metlife again asking about our fax showing the $9,000 payment and he said he had no record of such payment and sent me to another department with Brandon. Brandon said they rejected the $9,000 payment because once the bank rejects the first payment it will also reject the second payment. 6) Called back the law firm twice between 4 and 4:30 and got no answer.

September 11: 1) Left a message with Cindy at the law firm to call me back. 2) At 11:58 called Metlife, explained the entire story again and was informed they could not see a $9,000 transaction in their system but saw the other transactions. I told him I sent a fax yesterday showing the transaction went through and told by him it will take 7 -- 10 days to get in their system. He could not say why our money was returned to us but it was probably because our house was in foreclosure (on July 10 our house was not in foreclosure). 3) 12:21 called Metlife again and spoke to Diana. Explained the entire story again. She saw no record of the $9,000 dollar transaction but said it was probably rejected because if an Internet transaction is rejected their system will reject all Internet transactions for 60 days. I explained that Metlife accepted the transaction and then sent us a payment back 5 days later. The money was already in Metlifes bank. I then asked her about the hold put on our foreclosure and was informed by her that there is no hold and the house is still set for foreclosue.

During the proceeding few weeks my wife has been in numerous conversations with both Metlife and the law firm. We continue receiving all sorts of different reasons why our payments were not accepted, all of which make no rational sense. Not only is our house in still in danger of foreclosure which has caused enormous stress in our family, this episode is now having damaging and irreversible effects to our credit as lenders are beginning to either cancel our accounts or drastically lower our credit limits. We were sent a settlement letter by the law firm that had over $800 dollars worth of fees in it. It is our position that Metlife needs to take responsibility for their mistake cancel all fees and immediately remove any adverse information that they had supplied to the credit scoring agencies. Depending on the level of damage to our credit score as well as the final emotional stress this has placed on us will determine if we seek future civil damages.

Steven of Murphy, TX Nov. 19, 2009

6mos. And still getting the runaround! My wife and I have 3 homes, and we applied to refinance the primary recidence with MetLife Home loans almost 6mos. ago. The interest they gave us is 5 % fix 15yrs. Conventional, we both have Fico scores in the 720 and the appraisal came in our favor 50K over the loan amount. The previous loans for the other homes were all done in less than 45 days. Is there anything wrong here or shall get legal action? Their excuse is that the whole industry is in a jam, no to mention that I had to pay $350 for the appraisal.

All the required paper work was submitted in one week, and the appraisal completed with in three weeks of Appling for the loan. In Sep. 8th will be 6mos. Since we apply for the loan and still getting the runaround. Please give my advice. Thanks

Jonathan of Manassas, VA Aug. 16, 2009

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