WELLS FARGO DOES NOT OWN YOUR NOTE...WHAT THEY DO NOT OWN THEY CAN NOT MODIFY. PLEASE HOMEOWNERS DO NOT WAIT FOR THEIR EXCUSES TO STEAL YOUR HOME!

FACING FORECLOSURE?

WELLS FARGO
WILL NOT MODIFY YOUR LOAN  

Dear, Dear Homeowners,

I beg you to not make the mistake of trusting Wells Fargo for a single minute.  Do not wait for an approval on a loan modification.  Do not -- DO NOT -- trust these people any further, or waste another day waiting for them to respond to a request because there is not truth in what Wells is telling their homeowners.  Their loss mitigation department is USELESS!!!  DON'T let anyone else slow you down in a quest to save your home. PLEASE! YOUR HOME IS AT STAKE.   This company did not get to be a trillion dollar baby by the left arm not knowing what the right arm is doing.   I believe what the liars continued to tell me ... everything is OK, fine, no problem, we are reinstating your loan. THEN THEY SOLD IT AT A SHERIFF SALE.  

IMMEDIATELY DEMAND WELLS FARGO PROVE THEY OWN YOUR NOTE.  IF THEY DON'T OWN YOUR NOTE, THEY CAN'T MODIFY YOUR LOAN.  Send them a DEMAND LETTER (1) PROOF OF NOTE OWNERSHIP.

Read RIPOFFREPORTS.COM, COMPLAINTSBOARD.COM, PLANETFEEDBACK, LOANWORKOUT.ORG about how other homeowners have been hurt by Wells Fargo and Americas Servicing Company.  RESPA, HUD, TILA, REGULATION Z, and many other laws have likely been broken in their dealings with you.  California residents additional legislation applies.  Contact your state representatives and your attorney general.  Please do not wait a second longer. 

In November 2007, Wells Fargo d.b.a. American Servicing Company (ASC) decided to escrow on my mortgage loan. For no reason. My taxes and insurance were always paid on time. They'd never escrowed before. Then, instead of paying my annual property taxes once, they paid them twice. And I had already paid them. Then they pre-paid my property taxes that werent due for another year. Id never had an escrow account with them, so usually the balance was zero. Now it was <-$5500.00>. My mortgage payment increased from $655 to $1446 a month. I cant pay it.Wells Fargo admits their error. They promise to fix it. Then they dont. Again they promise to fix it AND reverse all the late charges. Doesnt happen. No one corrects the original mistake so the snowball effect is creating havoc with my mortgage, with my credit, and on my life. ASC Phone calls and letters threatening foreclosure were relentless. I have spent hours on the phone trying to resolve the problem. So many ASC Customer Service agents promise all your problems are taken care of, rest assured. When you check the next day to confirm all is well (youve learned to check) they can't even find a note in the record that you ever called. So then I am forced to start the process to correct my loan all over again with a different agent (weird isn't it that you can never get the same agent because they don't have extensions, and they refuse to give you their last name. They will give you their three-letter employee ID code that has never helped me a bit. Many agents refused to give me the companys physical address when I wanted to talk with someone face to face. Over this six-month nightmare I was assured over and over and over, that yes, definitely this time, they had truly made the corrections I had been assured already been made. Yes, isnt it wonderful, my mortgage loan had been approved for loan modification and the loan I’d been told dozens of time had been reinstated, had really for sure this time been reinstated. I was always told I would receive a letter confirming all was well with my loan. I was told not to make any monthly payments on the loan because until the correction had been processed through their system, the payment would be considered a partial payment and would be returned to me. So in February and March I couldnt send in a payment because the monthly payment amount was never corrected. I was forced over and over again to start the agonizing process from square one with another agent. Most agents couldnt find any notes in my record. I had the brilliant idea that faxing the whole story, along with receipts, and other requested forms, would be the answer to our communication problem. I would finally receive a letter confirming receipt of the requested documents. Four days later Im told my documents were never received so my home is in foreclosure.On April 23, 2007, I was emergency admitted into River Oaks Mental Hospital for 10 weeks due to a complete emotional breakdown. I was suicidal and unable to care for myself. Wells Fargo Mortgage made a mistake, and acknowledged it. However, they were unable (or unwilling) to fix the problems their error created. My sister was given power of attorney so she could resolve the issue. Upon discharge from the hospital an ASC agent confirmed my loan had been fully reinstated, the payment had been corrected, the escrow balance adjusted. They promised the late charges and additional interest charged because of their error would be credited back to the account. I insisted and they agreed they would contact the credit agencies to report their mistake, remove all negative remarks, and change all comments they had made regarding my mortgage account to paid as agreed.Two days later I received a notice advising me of the sheriffs sale date set for my home.My home was my savings account. And it was my retirement account. More important, it was my security blanket. The October 3, 2007, sheriff sale date has been postponed and Wells Fargo has told me they want a satisfactory conclusion to this nightmare. Ill keep you posted. Today is October 9, 2007. WFHM admitted errors and apologized in two letters received on October 24, 2007, and October 29, 2007, from Todd M. Boothroyd (contact info shown above), credited $12, 000 to my mortgage loan, corrected the negative reports made to the credit repositories, reinstated my loan. I breathed my 1st sigh of relief in nearly a year.THEN THEY SOLD MY HOME AT A SHERIFF SALE. They took my home, almost $100, 000.00 in equity, and I'm lost without my home. God Bless my 70-year old mother who is now forced to take care of her 46-year old, disabled, daughter. I still believe something good is going to happen. I really do. Two years of fighting for all I'm worth can't end like this.

DO NOT GIVE UP!   I'm praying for ALL OF YOU.   I cry when I receive letters from frightened homeowners who are either in or facing possible foreclosure. PLEASE DON'T GIVE UP!!! You are in my prayers, each of you. Because I do understand, truly, how you are feeling.  Call WFHM at 515-324-3130. Ask for Sharon Cecil, Mary Coffin or Cara Heiden. There e-mails and mailing address is shown above.  Sharon Cecil is a doll. These women do CARE. There are many people at Wells Fargo Home Mortgage who sincerely want to help hurting homeowners. It is my sincere hope you will VERY SOON receive the paperwork, the loan reinstatement or modification or deed-in-lieu, or WHATEVER IT IS YOU MOST NEED, THE ANSWER TO YOUR PRAYERS very, very soon  .I know help is coming soon for all families facing foreclosure. God Bless anyone who helps someone keep his or her home.

Kelly L. Hansen
AS LONG AS THEIR IS GOD, THEIR IS HOPE
33605 W. 88th Street
DeSoto, KS 66018
ctsmyhon@yahoo.com
913-529-9837 PHONE
913-273-1448 FAX

Dearest Kelly, I left you a voice mail this evening. Thank you!  I've passed along to other ASC victims, my success story, and your info. Thank you!  Your blog comments helped me save my home. Thank you!  You are a God send Kelly, Thank you so very much!  Your efforts were not in vein.  Kindest Regards, Jeff Taylor / San Clemente, CA / 949-395-7376 :)

Jackie, 515-324-3130 direct to Executive Office of Wells Fargo Home Mortgage.  More and more people are writing and claiming successful outcomes in their dealings with the Executive Staff at Wells Fargo Home Mortgage, so I have high hopes for you!! Here are the names and numbers you need -- these women will get you the money that belongs to you. Please let me know if you need anything at all from me. It never hurts to start pushing from every direction.

Cara K. Heiden, CEO
WELLS FARGO HOME MORTGAGE
cara.k.heiden@wellsfargo.com

Mary Coffin, Vice President
WELLS FARGO HOME MORTGAGE
mary.coffin@wellsfargo.com

Sharon Cecil, Assistant to Both
WELLS FARGO HOME MORTGAGE
sharon.cecil@wellsfargo.com

Todd M. Boothroyd
Senior Counsel, Real Estate Division
(address in California, let me know if you need it.)
Todd.M.Boothroyd@wellsfargo.com
WELLS FARGO HOME MORTGAGE
Executive Communications Office
MAC X2302-02J 800 S Jordan Creek Pkwy
West Des Moines, IA 50266 515-324-3130

I'll say a prayer for you now ... please let me know how things progress for you.  

Kelly L. Hansen
33605 W. 88th Street
De Soto, KS 66018
ctsmyhon@yahoo.com
913-529-9837 PHONE
913-273-1448 FAX

WARNING TO INVESTORS AND CONSUMERS:
DON'T GO TO WELLS FARGO!

I PROMISE YOU THEY PLAN TO TAKE YOUR HOME!