Wednesday, June 23, 2010
RECENT CONTROVERSIES
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| Wells Fargo (Photo credit: Wikipedia) |
Like many large-scale companies, Wells Fargo has attracted many vocal detractors who protest their business practices, customer service, fee levels, and other aspects of the company. There is even a project [ 22 ] dedicated to tracking all alleged instances of corporate malfeasance, especially ongoing investigations into alleged predatory lending practices [ 23 ] in Wells' mortgage division.
Wells Fargo has been the target of activist actions because they are one of the largest investors into the GEO Group. [ 24 ] [ 25 ] The GEO Group operates private prisons and immigrant detention facilities which have been criticized for serious abuses of detainees. [ 26 ] [ 27 ] Also see GEO Group Controversy
In September 2003, New York State Attorney General Eliot Spitzer sought information about the lending practices of Wells Fargo and other national banks. Two suits seeking injunctive relief were filed against Spitzer, one by the Office of the Comptroller of Currency and one by the Clearinghouse association of banks, asserting that Spitzer had no authority to regulate the activities of national banks. The suits both resulted in the granting of injunctive relief preventing the continuation of Spitzer's efforts to obtain bank information, including Wells Fargo information.
In December 2005, the parachurch group Focus on the Family ended its banking relationship [ 28 ] with Wells Fargo. This was due to Wells Fargo's support of the gay rights movement when the company announced that it was matching contributions to GLAAD. Wells Fargo continued the program and received widespread support in the face of the boycott, which had no other high-profile participants.
The relationship between the bank's Board of Directors and its shareholders has at times been contentious. The Board of Directors has recommended voting against every single shareholder proposal since 2002. [ 29 ] Many of these proposals were warnings to the company, heeding them to stop predatory lending and other controversial practices.
Currently the corporation and its' America's Servicing Company operation is being sued in Florida alleging racketeering and Unfair and Deceptive Trade Practices in its' mortgage servicing and foreclosure activities ( Heinrich v. Wells Fargo, America's Servicing Company, et al., Broward County Circuit Court Case No. 08-18999 CACE (13) ). The suit alleges that Wells Fargo operates this servicing activity out of its' own offices using the name America's Servicing Company without notifying the Office of the Comptroller of the Currency or registering the name in the states that it conducts these activities under, and that Wells has either lost, failed to record mortgage instruments, or deliberately has committed fraud in its loan servicing and foreclosure operations.
Further information and documentation on the ties and operations of Wells Fargo and America's Servicing Company are available at http://www.americasservicingcompany.info
from a Wikipedia posting on Wells Fargo........
Biden’s Cozy Relations With Bank Industry by Eric Umansky
Perhaps the U.S. doesn't have any more large banks, it has large FINANCIAL SERVICES HOLDING COMPANIES...largely UN-REGULATED ONES ( although Wells Fargo is said to be going through a Community Reinvestment Act audit by the OCC in California at the moment, in case you wish to complain to the OCC about the type of service and the activities of this 'banking institution' - please see Wikipedia's article on Wells Fargo for a rather revealing autobiography on how 'Wells' characterizes itself. ** ALTHOUGH the Office of the Comptroller of the Currency has refused exact numbers to us without a Freedom Of Information Act request, which could cost thousands of dollars, it appears the OCC has 9/10 (less than ONE ) examiner for each banking institution it is supposed to regulate
The people at the top of the American government are a who's who in the world of money manipulation and insider ties to the 'financial services' industry. From Hillary Clinton and her activities to keep her friends Jim and Susan McDougal's Madison Guaranty and Thrift afloat longer than it should have stayed in business, to Rahm Emanuel's stunning 18.5 million two and a half year stint in the industry, to Henry Paulsons' mega-wealth building years at Goldman Sachs, and even Obama's pick for Treasury Secretary, who will also oversee the IRS, not paying his full income tax for a period of years, to Chris Dodd's and Barney Franks ( and Barack Obama's ) being the three top recipients of industry 'contributions', ..the list is long, and the numbers large.
If voters thought the Obama-Biden ticket would bring change to Washington in favor of the average consumer and citizen, ProPublica.org reports ".... there's renewed scrutiny of ( Vice-President-elect) Biden's connections to the credit card industry. Biden has been particularly cozy with MBNA, a financial services company from Delaware, [and] now a subsidiary of Bank of America".
Over the past 20 years, MBNA has been Biden's single largest contributor . And as the New York Times and Wall Street Journal note, Biden's son Hunter was hired out of law school by MBNA and later worked as a lobbyist for the company [MBNA].
The Times also details just how helpful Biden has been to MBNA and to the credit card industry. The senator was a key supporter of an industry-favorite bill -- the "Bankruptcy Abuse Prevention and Consumer Protection Act of 2005" -- that actually made it harder for consumers to get protection under bankruptcy.
As the Times notes, Biden was one of the first Democratic supporters of the bill and voted for it four times until it finally passed in March 2005.
"....[Biden] was one of five Democrats in March 2005 who voted against a proposal to require credit card companies to provide more effective warnings to consumers about the consequences of paying only the minimum amount due each month.... Senator Obama voted for it".
Mr. Biden also went against Mr. Obama to help defeat amendments aimed at strengthening protections for people forced into bankruptcy who have large medical debts or are in the military. Mr. Biden argued that the amendments were unnecessary because the legislation already carved out exemptions for those debtors. And he [Biden] was one of four Democrats who sided with Republicans to defeat an effort, supported by Mr. Obama, to shift responsibility in certain cases from debtors to the predatory lenders who helped push them into bankruptcy.
The Washington Post's David Broder detailed other [banking] industry-friendly aspects of the bill back in 2005. One proposed amendment to the bill would have stopped corporations from "judge-shopping" and going to the most-friendly venues for their bankruptcy cases. The amendment was introduced by Republican Sen. John Cornyn of Texas and appeared to have wide bipartisan support. But it never passed. Broder writes that Biden helped kill it.
( article source :
Biden’s Cozy Relations With Bank Industry by Eric Umansky )
Republicans have their share of banking insiders to be sure, but the line-up at the 'new' White House is over-flowing with 'banking' friendly folks...folks who are crying for money to be released to their industry friends so that new amounts may be requested, and who have done little for the "little guy" in their struggle economically...there has been NO "rush to assist" the citizens of this country while the "rush to asisst" the
financial services industry with massive handouts of cash to a relatively few industry insiders has occurred with dazzling lightning speed.
Advantage financial insiders - disadvantage everyone else and our economy as a whole.
Jurisdictionary® The Leading Lawsuit Course for Non-Lawyers!"
The people at the top of the American government are a who's who in the world of money manipulation and insider ties to the 'financial services' industry. From Hillary Clinton and her activities to keep her friends Jim and Susan McDougal's Madison Guaranty and Thrift afloat longer than it should have stayed in business, to Rahm Emanuel's stunning 18.5 million two and a half year stint in the industry, to Henry Paulsons' mega-wealth building years at Goldman Sachs, and even Obama's pick for Treasury Secretary, who will also oversee the IRS, not paying his full income tax for a period of years, to Chris Dodd's and Barney Franks ( and Barack Obama's ) being the three top recipients of industry 'contributions', ..the list is long, and the numbers large.
If voters thought the Obama-Biden ticket would bring change to Washington in favor of the average consumer and citizen, ProPublica.org reports ".... there's renewed scrutiny of ( Vice-President-elect) Biden's connections to the credit card industry. Biden has been particularly cozy with MBNA, a financial services company from Delaware, [and] now a subsidiary of Bank of America".
Over the past 20 years, MBNA has been Biden's single largest contributor . And as the New York Times and Wall Street Journal note, Biden's son Hunter was hired out of law school by MBNA and later worked as a lobbyist for the company [MBNA].
The Times also details just how helpful Biden has been to MBNA and to the credit card industry. The senator was a key supporter of an industry-favorite bill -- the "Bankruptcy Abuse Prevention and Consumer Protection Act of 2005" -- that actually made it harder for consumers to get protection under bankruptcy.
As the Times notes, Biden was one of the first Democratic supporters of the bill and voted for it four times until it finally passed in March 2005.
"....[Biden] was one of five Democrats in March 2005 who voted against a proposal to require credit card companies to provide more effective warnings to consumers about the consequences of paying only the minimum amount due each month.... Senator Obama voted for it".
Mr. Biden also went against Mr. Obama to help defeat amendments aimed at strengthening protections for people forced into bankruptcy who have large medical debts or are in the military. Mr. Biden argued that the amendments were unnecessary because the legislation already carved out exemptions for those debtors. And he [Biden] was one of four Democrats who sided with Republicans to defeat an effort, supported by Mr. Obama, to shift responsibility in certain cases from debtors to the predatory lenders who helped push them into bankruptcy.
The Washington Post's David Broder detailed other [banking] industry-friendly aspects of the bill back in 2005. One proposed amendment to the bill would have stopped corporations from "judge-shopping" and going to the most-friendly venues for their bankruptcy cases. The amendment was introduced by Republican Sen. John Cornyn of Texas and appeared to have wide bipartisan support. But it never passed. Broder writes that Biden helped kill it.
( article source :
Biden’s Cozy Relations With Bank Industry by Eric Umansky )
Republicans have their share of banking insiders to be sure, but the line-up at the 'new' White House is over-flowing with 'banking' friendly folks...folks who are crying for money to be released to their industry friends so that new amounts may be requested, and who have done little for the "little guy" in their struggle economically...there has been NO "rush to assist" the citizens of this country while the "rush to asisst" the
financial services industry with massive handouts of cash to a relatively few industry insiders has occurred with dazzling lightning speed.
Advantage financial insiders - disadvantage everyone else and our economy as a whole.
Jurisdictionary® The Leading Lawsuit Course for Non-Lawyers!"
THOMAS HEINRICH WILL HELP YOUR LAWSUIT AGAINST WELLS FARGO AND AMERICAS SERVICING COMPANY
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| Wells Fargo (Photo credit: Wikipedia) |
Perhaps the U.S. doesn't have any more large banks, it has large FINANCIAL SERVICES HOLDING COMPANIES...largely UN-REGULATED ONES ( although Wells Fargo is said to be going through a Community Reinvestment Act audit by the OCC in California at the moment, in case you wish to complain to the OCC about the type of service and the activities of this 'banking institution' - please see Wikipedia's article on Wells Fargo for a rather revealing autobiography on how 'Wells' characterizes itself. ** ALTHOUGH the Office of the Comptroller of the Currency has refused exact numbers to us without a Freedom Of Information Act request, which could cost thousands of dollars, it appears the OCC has 9/10 (less than ONE ) examiner for each banking institution it is supposed to regulate
The people at the top of the American government are a who's who in the world of money manipulation and insider ties to the 'financial services' industry. From Hillary Clinton and her activities to keep her friends Jim and Susan McDougal's Madison Guaranty and Thrift afloat longer than it should have stayed in business, to Rahm Emanuel's stunning 18.5 million two and a half year stint in the industry, to Henry Paulsons' mega-wealth building years at Goldman Sachs, and even Obama's pick for Treasury Secretary, who will also oversee the IRS, not paying his full income tax for a period of years, to Chris Dodd's and Barney Franks ( and Barack Obama's ) being the three top recipients of industry 'contributions', ..the list is long, and the numbers large.
If voters thought the Obama-Biden ticket would bring change to Washington in favor of the average consumer and citizen, ProPublica.org reports ".... there's renewed scrutiny of ( Vice-President-elect) Biden's connections to the credit card industry. Biden has been particularly cozy with MBNA, a financial services company from Delaware, [and] now a subsidiary of Bank of America".
Over the past 20 years, MBNA has been Biden's single largest contributor . And as theNew York Times and Wall Street Journal note, Biden's son Hunter was hired out of law school by MBNA and later worked as a lobbyist for the company [MBNA].
The Times also details just how helpful Biden has been to MBNA and to the credit card industry. The senator was a key supporter of an industry-favorite bill -- the "Bankruptcy Abuse Prevention and Consumer Protection Act of 2005" -- that actually made it harderfor consumers to get protection under bankruptcy.
As the Times notes, Biden was one of the first Democratic supporters of the bill and voted for it four times until it finally passed in March 2005.
"....[Biden] was one of five Democrats in March 2005 who voted against a proposal to require credit card companies to provide more effective warnings to consumers about the consequences of paying only the minimum amount due each month.... Senator Obama voted for it".
Mr. Biden also went against Mr. Obama to help defeat amendments aimed at strengthening protections for people forced into bankruptcy who have large medical debts or are in the military. Mr. Biden argued that the amendments were unnecessary because the legislation already carved out exemptions for those debtors. And he [Biden] was one of four Democrats who sided with Republicans to defeat an effort, supported by Mr. Obama, to shift responsibility in certain cases from debtors to the predatory lenders who helped push them into bankruptcy.
The Washington Post's David Broder detailed other [banking] industry-friendly aspects of the bill back in 2005. One proposed amendment to the bill would have stoppedcorporations from "judge-shopping" and going to the most-friendly venues for their bankruptcy cases. The amendment was introduced by Republican Sen. John Cornyn of Texas and appeared to have wide bipartisan support. But it never passed. Broder writes that Biden helped kill it.
( article source :
Biden’s Cozy Relations With Bank Industry by Eric Umansky )
Republicans have their share of banking insiders to be sure, but the line-up at the 'new' White House is over-flowing with 'banking' friendly folks...folks who are crying for money to be released to their industry friends so that new amounts may be requested, and who have done little for the "little guy" in their struggle economically...there has been NO "rush to assist" the citizens of this country while the "rush to asisst" the
financial services industry with massive handouts of cash to a relatively few industry insiders has occurred with dazzling lightning speed.
Advantage financial insiders - disadvantage everyone else and our economy as a whole.
IMPORTANT NEW DEVELOPMENTS AS OF FEBRUARY 10, 2009
THIS SITE IS FOLLOWING THE DEVELOPMENTS IN THE BROWARD COUNTY, FLORIDA lawsuit wherein Thomas Heinrich, the voice of Real Estate Financing Today, has filed suit against Wells Fargo and it's alter ego America's Servicing Company which it runs from its Wells Fargo offices but has failed to register with State's Secretary of State offices or the Office of the Comptroller of the Currency, which Heinrich maintains makes Americas Servicing Company ineligible to transact business using the name Americas Servicing Company, and claims 'Americas Servicing Company' induced him into refinancing his small first mortgage he took out with People's Choice Home Loan, Inc back in 2004 by offering him a fixed rate loan with no closing costs at about half the rate his current mortgage was at, but used that deliberately as a ruse to increase their $25 to $35 a month servicing income from his loan to additonal thousands of dollars of additional income for themselves at worst, and at best to steal his $100,000 plus equity in his property and leave him still being nearly $100,000 in debt to them, which is part of what Heinrich claims is the largest financial fraud operation in the history of mankind.
The last payment Heinrich made on his mortgage was for December 2007. In January 2008 Wells Fargo instructed him to stop making his mortgage payments until they set the first payment on his new mortgage as being conditions for giving him a 6.200% fixed rate loan with no closing costs.
On January 29, 2009, Heinrich received a modification agreement from Wells Fargo requiring him to accept within four days their offer to move his January 1, 2008 payment to April 1, 2009. He would have to pay them $3,299.97 closing costs, which they did not break down, in order to do so, but they would keep his high rate adjustable loan the same interest rate as it had been all along and it would otherwise stay fluxuating the same as if nothing had been changed on his loan, except they were reducing his monthly payments to a pay rate at 5.99%,making his loan into a Negative Adjustable for 25 years with a huge balloon payment at the end. The Comptroller of the Currency admitted that neither "Americas Servicing Company" nor "Wells Fargo Home Mortgage, Inc" (which Wells had previosuly identified as being the owner of ASC) had been properly registered with the OCC. Heinrich says that even Wells Fargo's defense lawfirm, Carlton Fields, seemed surprised by Wells Fargo's moves. The litigation now ramps up with what assuredly will become a case of national significance.
AMERICAS SERVICING, WELLS FARGO'S DIRTY LITTLE SECRET
Wells Fargo & Company is a holding company based out of San Francisco, CA, U.S.A, and is publicly traded (NYSE: WFC ). It may be a part of WFC Holdings and/or Norwest's remainder parent holding company, which could umbrella them all.
As many banks have done, they have diversified with de-regulation, and spun off various "affiliated" entities, short for trying to escape liability and maximize profits, including obtaining benefits from government agencies and contracts with investors. They have numerous Operating Subsidiaries (OS). If you thought finding ASC is hard to find, perhaps you can identify just who "Wells Fargo" is from the following : list:
Wells Fargo Bank International (dba "Wells Fargo") Minneapolis, MN Headquarters
Wells Fargo Bank, National Association (dba "Wells Fargo") San Francisco CA Headquarters
Wells Fargo Bank (dba "Wells Fargo") Monmouth IL Headquarters
Wells Fargo Business Credit, Inc.
(dba "Wells Fargo;(Div of Wells Fargo Bank, NA)") Minneapolis, MN Headquarters
in addition to 'Wells Fargo and Company' which is listed on the left, - which used to be their historical 'home', so....
WOULD THE REAL 'WELLS FARGO', PLEASE STAND UP ????
Ask any 'Wells Fargo' employee to give you the name, address, and telephone numbers of their corporate headquarters and see what response you get - and PLEASE REPORT IT TO US , then also ask them "WHO REGULATES YOU, AND DO YOU HAVE THAT INFORMATION POSTED ON YOUR WALL ??" AND REPORT THAT TO US AS WELL !!! ......
Then you might ask them if they can provide the corporate information for ASC and provide you telephone numbers or websites for ASC, or IF THEY KNOW WHO CAN..... AND SEE WHAT HAPPENS
Perhaps 'Wells Fargo' itself, whoever that may mean, will gladly give you and us the information to explain to you who, where, and contact information for all THESE entities are as well - we will be GLAD to post their information supplied to us by them on this website for them.
"Wells Fargo" is regulated, at least PART of it is regulated, by the Office of the Comptroller of the Currency ( http://occ.treas.gov ), which is part of the Department of the Treasury.
If any of you have been trying to find out just who "America's Servicing Company" is, and where they are located, or get a telephone number for them, you might have had MORE than a little trouble, and .
"Wells Fargo" owns the domain name
www.americasservicingcompany.com
BUT REFUSES TO USE IT
Try to do a web search for Americas Servicing Company, or contact your State's corporations, or fictitious name registration, departments, or try to locate the registered agent for service of process for America's Servicing Company in your state, or call directory assistance. OR the OCC ( see below ).
TO MAKE IT OFFICIAL, ON DECEMBER 3, 2008, ASC's DEFENSE ATTORNEY MADE THE STATEMENT THAT " AMERICAS SERVICING COMPANY IS A DBA OF WELLS FARGO BANK."
WHEN ASKED WHY AMERICAS SERVICING COMPANY DOESN'T USE ITS DOMAIN NAME, ISN'T LISTED BY SEARCH ENGINES, OR HAVE IT'S TELEPHONE NUMBER LISTED IN DIRECTORY ASSISTANCE, he stated "the phone number is on the statements [we] send out"...."
When Mr. Heinrich asked why America's Servicing Company was not authorized to transact business, including electronically and telephonically, in Florida and why ASC should be allowed to even DEFEND his, or any, lawsuit in Florida, he stated that the Office of the Comptroller of the Currency has sole jurisdiction*, and to go to the OCC website to find America's Servicing Company. So he did. Nothing came up. So he called the office of the OCC General Counsel, and was told America's Servicing Company is neither a bank nor registered as an Operating Subsidiary nor anything else, and OCC has no information on them whatsoever and has not issued any certification to transact business to America's Servicing Company or to Wells Fargo DBA Americas Servicing Company.The attorney was incorrect-*The Fed Reserve & SEC control.
The OCC then suggested doing a Google search on them, since THEY had no record of them. They did one themselves while on the telephone and found America's Servicing Company... IN
THE RIPOFF REPORT. If the OCC can't find them, how can YOU find them.
Maybe ASC doesn't want you OR the government to know very much about them, OR their method of operation...but WE'LL tell you !!! It's VERY interesting.
DBA's ARE VERY POPULAR WITH 'WELLS FARGO', consider the following
Mci Isdn For Wells Fargo Bank, Burlington NC
Wells Fargo Bank (dba "Wells Fargo") Columbia NC
Wells Fargo Bank (dba "Wells Fargo") San Jose CA
Wells Fargo Bank (dba "Wells Fargo;Centennial Bank") Pueblo CO
Wells Fargo Bank (dba "Wells Fargo;Duncanville National Bank") Duncanville, TX
Bank of Winter Park(dba"Wells Fargo Bank West N A;Wells Fargo Bank NA")Winter Park CO
Colony Estates Senior Housing Ltd Partnership (dba "Wells Fargo; Palmer Senior Center, Wells
Fargo Bank") Palmer AK
In a 2005 U.S. Supreme Court Case, Wells Fargo was basically allowed to ignore state laws and operate everything they ran under the sole regulation of the Office of the Comptroller of the Currency (OCC), as other similar OCC regulated institutions were, ....which could partially explain how reckless these holding companies became in engaging in conduct leading to the unprecedented financial collapse of 2007-2008. To read the entire case of Watters vs. Wachovia go to
To show you the sheer folly of such a move, stripping state powers and oversight and leaving regulation to a government agency virtually controlled by those with banking ties, consider that the OCC has only
? investigators by information supplied to us by the OCC itself on December 4, 2008. (we'll keep trying).
In addition to the others listed below, add to this list below over 3,000 more - (which we won't list all here)... just for "Wells Fargo"... they are very well diversified indeed... and is it UNDERregulated ... or ....NON, or partially, regulated...
During President Clinton's term in office, two significant things occurred that led to the chaos of 2007-08. In 2000, just before he left office, he authorized todays 'derivatives' ( you MUST read our course on them ) and an organization named MERS for short ( the Mortgage Electronic Registration System ) was formed in 1996 , best described by them on their website:
"MERS was created by the mortgage banking industry to streamline the mortgage process by using electronic commerce to eliminate paper. Our mission is to register every mortgage loan in the United States on the MERS System...... MERS acts as nominee in the county land records for the lender and servicer. Any loan registered on the MERS System is inoculated against future assignments because MERS remains the nominal mortgagee no matter how many times servicing is traded. MERS as original mortgagee (MOM) is approved by Fannie Mae, Freddie Mac, Ginnie Mae, FHA and VA, California and Utah Housing Finance Agencies, as well as all of the major Wall Street rating agencies......"
What they DIDn't tell you is that their goal is to get courts to basically allow hearsay in place of documents, ...and the scam - for lack of more appropriate words at this stage - will be complete. Their website is full of contradictory statements and representations, as are many of their actions.
To reach MERS, you can call 1-800-646-6377 (646-MERS). Their real name is MERSCORP, Inc. You might want to ask them who regulates THEM and how they are set up. Wells Fargo was a founding contributor. Ask them what they have to do with YOUR loan.
Financial institutions and 'investors' would love to have the ability to say "YOU OWN IT, now YOU OWN IT, now YOU OWN IT." ...or PART of it. THEY WOULD ALSO LOVE IT IF YOU NEVER FOUND OUT THE INNER WORKINGS OF HOW MONEY COMES INTO EXISTENCE AND IS TURNED INTO DEBT THAT YOU, AND YOUR CHILDREN, AND THEIR CHILDREN, HAVE TO PAY BACK... WITH INTEREST .
FOR AN OUTSTANDING AND THOROUGH EXPOSE ON THE SCHEME TO CREATE DEBT, THEN STEAL PEOPLES MONEY AND REAL ESTATE THROUGH DECEPTION AND FINANCIAL MANIPULATIONS, COVER IT UP AND LEAVE AMERICANS IN UNPAYABLE DEBT FOR MANY GENERATIONS TO COME, we will alert you when Thomas Alcott's upcoming documentary will be released......it is frightening, and uncovers how passing money and debt around under the table while everyone looks the other way will the the domestic hallmark of the Clinton and Bush administrations and Alan Greenspan's legacy of history's greatest organized financial fraud.
....in the following list, notice the many different names and different operational entities of just Wells Fargo......not counting that Wells Fargo is operating America's Servicing Company under the radar ( a LOT to keep the OCC busy, especially by a relatively few number of investigators and attorneys for ALL the entities that the OCC oversees ), especially in the present environment of no one wanting you to know much about ANYthing that's going on. An OCC attorney stated "contractual matters are not released to the public"...that falls in line with what is happening and why new agencies may need to be created and powers returned to the states to check financial crime and safeguard American's money and future as well as the economy.
.
Coupled with marketing companies engaging in massive fraudulent practices, loans being originated and serviced by unlicensed individuals and entities, and money and debt being haphazardly artificially created and moved back and forth with words rather than actual documentation, while this website focuses on Wells Fargo and ASC, it extends far beyond to the overall operation of our banking system
and government regulation, or non-regulation, as well as the court system.
While ASC's defense attorney stated that EVERYTHING and EVERY ENTITY controlled by Wells Fargo is under the OCC, in reality different states operate as totally independent, different companies, as if they are not affiliated in most cases.
In addition Wells Fargo & Company operates other entities, one of them being the loan servicing arm, America's Servicing Company, which operates out of Wells Fargo locations using Wells Fargo phone lines and personnel, yet they would apparently have you believe 'they' have nothing to do with them.
This may well be because ASC services huge numbers of sub-prime loans Wells doesn't like to advertise.
Other entities include insurance, selling investments, purchasing securities and sub-prime loans that Wells Fargo does not want to be known for as offering themselves, trading in derivatives, and it will be interesting to see what else.
Because the federal government and Supreme Court has pre-empted states, these entities- at least Americas Servicing Company - apparently feel they do NOT need to register with each State's Secretary of State or Department of Corporations to do business in each state. That will explain if you try to find licensure for ASC in your state or an agent for service of process or delivery of demands and correspondence...you probably won't find them..or any offices for them. Up to now, ASC has deliberately tried to keep a low, separate profile. Now the good news, serve ANY Wells Fargo entity manager or the OCC ( perhaps best to do both ?), or (and) you might want to also serve the following executives of 'Wells Fargo':
Jurisdictionary®
The Leading Lawsuit Course for Non-Lawyers!
Kelly L. Hansen
ON FIRE Vigilante!
Changing WFHM Victims to VICTORIES!
33605 W. 88th Street
De Soto, KS 66018
913-529-9837 Phone
913-273-1448 Fax
kellylhansen143@gmail.com
As many banks have done, they have diversified with de-regulation, and spun off various "affiliated" entities, short for trying to escape liability and maximize profits, including obtaining benefits from government agencies and contracts with investors. They have numerous Operating Subsidiaries (OS). If you thought finding ASC is hard to find, perhaps you can identify just who "Wells Fargo" is from the following : list:
Wells Fargo Bank International (dba "Wells Fargo") Minneapolis, MN Headquarters
Wells Fargo Bank, National Association (dba "Wells Fargo") San Francisco CA Headquarters
Wells Fargo Bank (dba "Wells Fargo") Monmouth IL Headquarters
Wells Fargo Business Credit, Inc.
(dba "Wells Fargo;(Div of Wells Fargo Bank, NA)") Minneapolis, MN Headquarters
in addition to 'Wells Fargo and Company' which is listed on the left, - which used to be their historical 'home', so....
WOULD THE REAL 'WELLS FARGO', PLEASE STAND UP ????
Ask any 'Wells Fargo' employee to give you the name, address, and telephone numbers of their corporate headquarters and see what response you get - and PLEASE REPORT IT TO US , then also ask them "WHO REGULATES YOU, AND DO YOU HAVE THAT INFORMATION POSTED ON YOUR WALL ??" AND REPORT THAT TO US AS WELL !!! ......
Then you might ask them if they can provide the corporate information for ASC and provide you telephone numbers or websites for ASC, or IF THEY KNOW WHO CAN..... AND SEE WHAT HAPPENS
Perhaps 'Wells Fargo' itself, whoever that may mean, will gladly give you and us the information to explain to you who, where, and contact information for all THESE entities are as well - we will be GLAD to post their information supplied to us by them on this website for them.
"Wells Fargo" is regulated, at least PART of it is regulated, by the Office of the Comptroller of the Currency ( http://occ.treas.gov ), which is part of the Department of the Treasury.
If any of you have been trying to find out just who "America's Servicing Company" is, and where they are located, or get a telephone number for them, you might have had MORE than a little trouble, and .
"Wells Fargo" owns the domain name
www.americasservicingcompany.com
BUT REFUSES TO USE IT
Try to do a web search for Americas Servicing Company, or contact your State's corporations, or fictitious name registration, departments, or try to locate the registered agent for service of process for America's Servicing Company in your state, or call directory assistance. OR the OCC ( see below ).
TO MAKE IT OFFICIAL, ON DECEMBER 3, 2008, ASC's DEFENSE ATTORNEY MADE THE STATEMENT THAT " AMERICAS SERVICING COMPANY IS A DBA OF WELLS FARGO BANK."
WHEN ASKED WHY AMERICAS SERVICING COMPANY DOESN'T USE ITS DOMAIN NAME, ISN'T LISTED BY SEARCH ENGINES, OR HAVE IT'S TELEPHONE NUMBER LISTED IN DIRECTORY ASSISTANCE, he stated "the phone number is on the statements [we] send out"...."
When Mr. Heinrich asked why America's Servicing Company was not authorized to transact business, including electronically and telephonically, in Florida and why ASC should be allowed to even DEFEND his, or any, lawsuit in Florida, he stated that the Office of the Comptroller of the Currency has sole jurisdiction*, and to go to the OCC website to find America's Servicing Company. So he did. Nothing came up. So he called the office of the OCC General Counsel, and was told America's Servicing Company is neither a bank nor registered as an Operating Subsidiary nor anything else, and OCC has no information on them whatsoever and has not issued any certification to transact business to America's Servicing Company or to Wells Fargo DBA Americas Servicing Company.The attorney was incorrect-*The Fed Reserve & SEC control.
The OCC then suggested doing a Google search on them, since THEY had no record of them. They did one themselves while on the telephone and found America's Servicing Company... IN
THE RIPOFF REPORT. If the OCC can't find them, how can YOU find them.
Maybe ASC doesn't want you OR the government to know very much about them, OR their method of operation...but WE'LL tell you !!! It's VERY interesting.
DBA's ARE VERY POPULAR WITH 'WELLS FARGO', consider the following
Mci Isdn For Wells Fargo Bank, Burlington NC
Wells Fargo Bank (dba "Wells Fargo") Columbia NC
Wells Fargo Bank (dba "Wells Fargo") San Jose CA
Wells Fargo Bank (dba "Wells Fargo;Centennial Bank") Pueblo CO
Wells Fargo Bank (dba "Wells Fargo;Duncanville National Bank") Duncanville, TX
Bank of Winter Park(dba"Wells Fargo Bank West N A;Wells Fargo Bank NA")Winter Park CO
Colony Estates Senior Housing Ltd Partnership (dba "Wells Fargo; Palmer Senior Center, Wells
Fargo Bank") Palmer AK
In a 2005 U.S. Supreme Court Case, Wells Fargo was basically allowed to ignore state laws and operate everything they ran under the sole regulation of the Office of the Comptroller of the Currency (OCC), as other similar OCC regulated institutions were, ....which could partially explain how reckless these holding companies became in engaging in conduct leading to the unprecedented financial collapse of 2007-2008. To read the entire case of Watters vs. Wachovia go to
To show you the sheer folly of such a move, stripping state powers and oversight and leaving regulation to a government agency virtually controlled by those with banking ties, consider that the OCC has only
? investigators by information supplied to us by the OCC itself on December 4, 2008. (we'll keep trying).
In addition to the others listed below, add to this list below over 3,000 more - (which we won't list all here)... just for "Wells Fargo"... they are very well diversified indeed... and is it UNDERregulated ... or ....NON, or partially, regulated...
During President Clinton's term in office, two significant things occurred that led to the chaos of 2007-08. In 2000, just before he left office, he authorized todays 'derivatives' ( you MUST read our course on them ) and an organization named MERS for short ( the Mortgage Electronic Registration System ) was formed in 1996 , best described by them on their website:
"MERS was created by the mortgage banking industry to streamline the mortgage process by using electronic commerce to eliminate paper. Our mission is to register every mortgage loan in the United States on the MERS System...... MERS acts as nominee in the county land records for the lender and servicer. Any loan registered on the MERS System is inoculated against future assignments because MERS remains the nominal mortgagee no matter how many times servicing is traded. MERS as original mortgagee (MOM) is approved by Fannie Mae, Freddie Mac, Ginnie Mae, FHA and VA, California and Utah Housing Finance Agencies, as well as all of the major Wall Street rating agencies......"
What they DIDn't tell you is that their goal is to get courts to basically allow hearsay in place of documents, ...and the scam - for lack of more appropriate words at this stage - will be complete. Their website is full of contradictory statements and representations, as are many of their actions.
To reach MERS, you can call 1-800-646-6377 (646-MERS). Their real name is MERSCORP, Inc. You might want to ask them who regulates THEM and how they are set up. Wells Fargo was a founding contributor. Ask them what they have to do with YOUR loan.
Financial institutions and 'investors' would love to have the ability to say "YOU OWN IT, now YOU OWN IT, now YOU OWN IT." ...or PART of it. THEY WOULD ALSO LOVE IT IF YOU NEVER FOUND OUT THE INNER WORKINGS OF HOW MONEY COMES INTO EXISTENCE AND IS TURNED INTO DEBT THAT YOU, AND YOUR CHILDREN, AND THEIR CHILDREN, HAVE TO PAY BACK... WITH INTEREST .
FOR AN OUTSTANDING AND THOROUGH EXPOSE ON THE SCHEME TO CREATE DEBT, THEN STEAL PEOPLES MONEY AND REAL ESTATE THROUGH DECEPTION AND FINANCIAL MANIPULATIONS, COVER IT UP AND LEAVE AMERICANS IN UNPAYABLE DEBT FOR MANY GENERATIONS TO COME, we will alert you when Thomas Alcott's upcoming documentary will be released......it is frightening, and uncovers how passing money and debt around under the table while everyone looks the other way will the the domestic hallmark of the Clinton and Bush administrations and Alan Greenspan's legacy of history's greatest organized financial fraud.
....in the following list, notice the many different names and different operational entities of just Wells Fargo......not counting that Wells Fargo is operating America's Servicing Company under the radar ( a LOT to keep the OCC busy, especially by a relatively few number of investigators and attorneys for ALL the entities that the OCC oversees ), especially in the present environment of no one wanting you to know much about ANYthing that's going on. An OCC attorney stated "contractual matters are not released to the public"...that falls in line with what is happening and why new agencies may need to be created and powers returned to the states to check financial crime and safeguard American's money and future as well as the economy.
.
Coupled with marketing companies engaging in massive fraudulent practices, loans being originated and serviced by unlicensed individuals and entities, and money and debt being haphazardly artificially created and moved back and forth with words rather than actual documentation, while this website focuses on Wells Fargo and ASC, it extends far beyond to the overall operation of our banking system
and government regulation, or non-regulation, as well as the court system.
While ASC's defense attorney stated that EVERYTHING and EVERY ENTITY controlled by Wells Fargo is under the OCC, in reality different states operate as totally independent, different companies, as if they are not affiliated in most cases.
In addition Wells Fargo & Company operates other entities, one of them being the loan servicing arm, America's Servicing Company, which operates out of Wells Fargo locations using Wells Fargo phone lines and personnel, yet they would apparently have you believe 'they' have nothing to do with them.
This may well be because ASC services huge numbers of sub-prime loans Wells doesn't like to advertise.
Other entities include insurance, selling investments, purchasing securities and sub-prime loans that Wells Fargo does not want to be known for as offering themselves, trading in derivatives, and it will be interesting to see what else.
Because the federal government and Supreme Court has pre-empted states, these entities- at least Americas Servicing Company - apparently feel they do NOT need to register with each State's Secretary of State or Department of Corporations to do business in each state. That will explain if you try to find licensure for ASC in your state or an agent for service of process or delivery of demands and correspondence...you probably won't find them..or any offices for them. Up to now, ASC has deliberately tried to keep a low, separate profile. Now the good news, serve ANY Wells Fargo entity manager or the OCC ( perhaps best to do both ?), or (and) you might want to also serve the following executives of 'Wells Fargo':
Jurisdictionary®
The Leading Lawsuit Course for Non-Lawyers!
Kelly L. Hansen
ON FIRE Vigilante!
Changing WFHM Victims to VICTORIES!
33605 W. 88th Street
De Soto, KS 66018
913-529-9837 Phone
913-273-1448 Fax
kellylhansen143@gmail.com
Tuesday, June 15, 2010
WELLS FARGO'S BAD DEEDS WILL NOT GO UNPUNISHED
"When injustice becomes law, resistance becomes duty"
-Thomas Jefferson
AMERICA MUST HELP AMERICAN'S KEEP THEIR HOMES!!
Hi Shawn,
I wasn't certain if your original lender was Wells Fargo -- now that you've told me a bit more, this sounds like a case you may be able to fight AND WIN on your own. Feel free to fax or scan and attach to an e-mail me your docs/title/deed/etc any document you feel may reveal something about the ownership of your loan, and the transfer of your loan's servicing.
BEFORE you sign ANY modification agreement, let's look at your current loan documents and see what you have got, because you very well may have no currently verifiable debt.
If Wells Fargo has any intention of honoring a loan modification they don't waste your time, because they aren't in any habit of wasting their own, certainly! They don't have any reason to ask for loan documents over and over again. And they don't lose them. They haven't made trillions of dollars by functioning poorly. This company is wise. And every step they make is well thought out. Especially the ones that waste your time and cost you money. Unfortunately.
The following Executives in the Presidential Communications Office have approved loan modifications for our homeowners within in one hour. They have also immediately cancelled foreclosure sales, reinstated loans, waived fees, etc. They absolutely CAN CONFIRM ANYTHING YOU NEED THEM TO CONFIRM IN WRITING.
They CAN provide you with a COPY OF THE ORIGINAL NOTE, NOTARIZED COPIES OF ALL TITLE/DEED TRANSFER OF OWNERSHIP DOCUMENTS (MUST HAVE TO BE A LEGAL CONVEYANCE), and anything else you need them to provide.
Rick Kephart
Matt Heil
Amanda Kluender
Sharon Cecil
God Bless You!
Kelly L. Hansen,esq (expect success quickly!)
ON FIRE Vigilante!
Changing WFHM Victims to VICTORIES!
33605 W. 88th Street
De Soto, KS 66018
913-220-1284 Phone
913-273-1448 Fax
ctsmyhon@yahoo.com
http://wfhmcaught.blogspot.com/
--------------------------------------------------------------------------------
From: Shawn
To: Kelly L. Hansen
Hi Kelly:
My wife handles all our paperwork and she is out of town til Saturday...we have tried in good faith to resolve problems with Wells Fargo but have gotten nowhere except for trips to the doctors for stress-related ailments (cardiologist, gastroenterologist, primary care physician etc) brought on by Wells Fargo.
Problem is Wells Fargo is only servicing the loan; it's Bank of America who is "the investor" according to Wells Fargo. I have tried and tried to get through to them but they are even worse than Wells Fargo.
So...I am ready to go to war. Wells has hounded us with threatening letters and voice-mails and WE STILL HAVE NEVER MISSED A SINGLE PAYMENT!
We have also been trying to sell the house for 3 years now and are planning to stop payments next month (April).
I am sick (literally) of dealing with it. I have never had bad credit or missed payment obligations ever.
But I can't keep living like this, it's more than I can bear.
If you know an attorney in San Francisco (Wells Fargo HQ) or Des Moines who will help me go on the attack, please tell me.
Dear Shawn;
I'm sorry your efforts to work things out with Wells Fargo have failed. Having said that, and knowing you have, in good faith, made every effort to work things out with various departments for months I want you to know many, many homeowners are discovering THEY DO NOT NEED TO ENTER INTO A LOAN MODIFICATION because Wells Fargo ignored each states land conveyance laws and failed to dually register their security interest with the appropriate county register of deed's office.
And where Wells Fargo failed to register their security interest, the failed to secure, attach, and perfect that interest, and thus, they can not claim a secure interest in your property. They may be able to prove a debt interest of some sort, comparable to say a credit card company debt with an equal lien, but not a primary lien with any foreclosure right of any kind whatsoever.
So, let's see what you've got, fax me a copy of your paperwork...and SAY A PRAYER!!! Hopefully you will have gone through these many frustrated months for a reason!!! For a blessing, especially for you and your family the only way the good Lord knows how to bring them. Never early, never late. Just in time. And always, sooooooo very much appreciated.
I hope to hear from you soon, Shawn,
Kelly L. Hansen
Recently posted in our blog:
ARE YOU YOUR OWN ATTORNEY?
DID WELLS FARGO ILLEGALLY FORCLOSE AGAINST YOU?
I'm writing you with excitng news! Victims of Wells Fargo Bank have been e-mailing in, one after another, telling me they are winning foreclosure lawsuits all over the country against WellsFargo using
DEFENDANT’S PRO SE MOTION TO DISMISS FOR LACK
OF SUBJECT MATTER JURISDICTION OVER THE CASE
WELLS FARGO VICTIMS HELP EACH OTHER FIGHT
AND WIN
AGAINST FRAUDUALANT WELLS FARGO BANK
ONE BITTERSWEET VICTORY AT A TIME
By Kelly L. Hansen
WELLS FARGO VICTIMS NOW VICTORIOUS
HAVE A SINGLE GOAL IN MIND...
TO SEE EVERY OTHER VICTIM OF BIG BANK GREED
REALIZE AMERICAN DREAMS DO STILL COME TRUE.
DO UNTO OTHER'S...
WELLS FARGO'S BAD DEEDS ARE GOING TO BITE THEM IN THE BUTT
Property law can different widely in each state. Wells Fargo Bank is subject to class action penalties in all states where they have not followed land conveyance statutes for recording, attaching, and perfecting a lien on the title of any parcel of real property upon which they have foreclosed.
First, when you received your Petition to Foreclose, did the Plaintiff's name match the name on your copy or the original Note provided to you after the final page of the Petition? ONLY THE OWNER OF THE NOTE CAN BRING A FORECLOSURE ACTION. Not a servicer. Not an assignee. Not anyone who has "stepped into the shoes of the first note holder." When an original Note is purchased the OWNER MUST register with the Register of Deeds Office in the County where the property is located.
If your original Note is purchased by another bank or mortgage company, if they fail to file a Satisfaction of Mortgage and you have asked them to do so in writing, they are subject to money damages in most states (amounts vary according to state) if they do not comply with your request within 20 days.
If Wells Fargo Bank never filed a lien against your Note with your County Register of Deeds Office they have not fulfilled their requirement to file, secure, attach, and perfect a lien against your property AND THEY DO NOT HAVE ANY LEGAL INTEREST IN YOUR REAL PROPERTY.
IF YOU ARE THREATENED WITH A FORECLOSURE: It is worthwhile to pay to have a title search done on your property. A licensed and bonded title expert will search your title for mistakes that will stop the Plaintiff's foreclosure in it's tracks. All assignments must be witnessed, signed, notarized, dated the same date, some states require a corporate seal, etc. It really is a detailed process. Mistakes are made everywhere. They are just waiting to be discovered in your Title ... they will stop WELLS FARGO BANK!
An Update From A Previous Rhode Island Victim!
I had a title search done and it was interesting to see what was found on it. RI General Laws state that in order for an assignment here to be legal, it has to be dually noted. On my assignment, there is a signature with a date of 10/31/06 and it was notarized on 11/08/06. It is Null and Void! Now I need to go into the courthouse and request a Declaratory Judgment but first, I am filing a Lis Pendens.
Kelly L. Hansen,esq (expect success quickly!)
ON FIRE Vigilante!
Changing WFHM Victims to VICTORIES!
33605 W. 88th Street
De Soto, KS 66018
913-220-1284 Phone
913-273-1448 Fax
ctsmyhon@yahoo.com
http://wfhmcaught.blogspot.com/
--------------------------------------------------------------------------------
From:
To: "ctsmyhon@yahoo.com"
Sent: Wed, March 3, 2010 1:45:38 PM
Subject: Can't even tell you
What a relief it is to see your blog and that people are starting to figure this out. We have been on the wait and see if we get a permanent loan mod with Wells Fargo for 15 months. We are frustrated, tired and just are wanting to give up. We know we can't, we want to fight for our home. I have a long drawn out story and am not sure where to submit it with you. I think it will help people to share.
So far we see no end in sight. We are in the post-HAMP trial period. This month would make our second payment post the trial (making it the 5th "new" payment) but we are stuck in the world of "update your paycheck stubs every 30 days horse crap). I want answers and that is the only answer we get.
I can't wait to read up on your blog now. Please let me know where I should submit our story. We are a young family with 4 kids. We live in CA and just want to keep our home and get to some kind of permanent mod so we can breathe.
Thanks for your time!
xxxxxx
"When injustice becomes law, resistance becomes duty"
-Thomas Jefferson
Kelly L. Hansen,esq (expect success quickly!)
ON FIRE Vigilante!
Changing WFHM Victims to VICTORIES!
33605 W. 88th Street
De Soto, KS 66018
913-220-1284 Phone
913-273-1448 Fax
ctsmyhon@yahoo.com
http://wfhmcaught.blogspot.com/
Cara K. Heiden, CEO
WELLS FARGO HOME MORTGAGE
cara.k.heiden@wellsfargo.com
515-324-3130
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
515-524-2416 Phone
515-524-2417 Fax
Todd M. Boothroyd
Senior Counsel, Real Estate Division
Todd.M.Boothroyd@wellsfargo.com
WELLS FARGO HOME MORTGAGE
Executive Communications OfficeMAC X2302-02J
800 S Jordan Creek Pkwy
West Des Moines, IA 50266
515-324-3130
Kelly L. Hansen
http://wfhmcaught.blogspot.com/
Kelly L. Hansen
ON FIRE Wells Fargo Vigilante for Wells Fargo Victims!!
33605 W. 88th Street
De Soto, KS 66018
504-579-2340
913-273-1448 Fax
"Kelly L. Hansen" @ ctsmyhon@yahoo.com
HOMEOWNERS BE INFORMED! ASK FOR WHAT YOU WANT.
HOMEOWNERS BE INFORMED!
ASK FOR WHAT YOU WANT.
Do NOT pay any "up-front" fees
Do NOT pay any so called "contribution payment"
Do NOT pay ANY AMOUNT AT ALL to refinance your mortgage
Do NOT pay ANY AMOUNT AT ALL for a loan modification
Do NOT pay ANY AMOUNT AT ALL to refinance your mortgage
Do NOT pay ANY AMOUNT AT ALL for a loan modification
IF FACING POSSIBLE FORECLOSURE Ask Wells Fargo to add all your late payments to the back end of the loan
You are their customer, and you should be treated with dignity and respect, not as if you are "blessed by their willingness to take care of your business."
Do not settle for anything less than what you need on your mortgage loan. Now is THE time to INSIST on
1. a 4%-6% fixed interest rate
2. a payment you can afford
3. a first payment due date in 60 days to give you some time to breathe
4. a no-penalty prepayment clause
5. a bi-monthly payment option
AND
6.
EXTREMELY IMPORTANT FOR ALL CONSUMERS
if you opt to set up automatic withdrawal to pay your mortgage
SET UP A 2ND -- COMPLETELY SEPERATE -- ACCOUNT
AN ACCOUNT
NOT CONNECTED IN ANY WAY
TO YOUR OTHER BANK ACCOUNTS
THIS IS SO IMPORTANT PEOPLE!!!!
YOU WILL PREVENT BECOMING ANOTHER VICTIM
OF YET ANOTHER INFAMOUS, GREEDY
PREDATORY LENDING INSTITUTION'S TACTIC
BANKS ARE DUPLICATING WITHDRAWALS
'inadvertently' (yeah, right)
CREATING MULTIPLE UNAUTHORIZED CHARGES
AND ENDLESS NIGHTMARES FOR INNOCENT CONSUMERS.
MAKE SURE YOUR BANK WILL NOT
COVER ANY CHARGES ON THIS ACCOUNT
TELL YOUR BANK NO
TELL THEM WHY
SO THEY DON'T JUST DO IT
'AS A SERVICE'
TO YOU THEIR VALUED CUSTOMER
BLAH, BLAH, BLAH
THIS IS SO IMPORTANT, HOMEOWNERS HAVE BEEN LOSING THEIR ENTIRE SAVINGS DUE TO THIS PREDATORY TACTIC SO PLEASE BE CAREFUL.
DO NOT/DO NOT/DO NOT
authorize any bank to transfer funds from your first account to cover the 2nd account if it would overdraw for any reason.
A few days before your mortgage payment is due, transfer from your everything checking account, ONLY the exact amount of a single monthly mortgage payment, into your separate mortgage account.
BI-MONTHLY PAYMENTS
Cut 10-years off your mortgage by making 1/2 of your monthly mortgage payment on the 1st, and the 2nd on the 15th. This is an awesome way to save thousands of dollars. Every lending institution is legally required to share this information with you, although very few do.
I look forward to hearing more from you, if you want to share!!
CLASS ACTION SUITS take forever, and restitution is not, usually, equitable. Try contacting the people I suggest, and you won't need to sue, BUT please be sure to use a real estate attorney to give his seal of approval on any mortgage contract, re-fi, any loan documents, before signing any agreement.
I hope to hear your story if you are willing to share. It will help others.
Kelly L. Hansen
ON FIRE Wells Fargo Vigilante for Wells Fargo Victims!!
33605 W. 88th Street
De Soto, KS 66018
504-579-2340
913-273-1448 Fax
"Kelly L. Hansen"
Please let me know if you don't receive a quick response. It never hurts to start pushing from every possible direction. http://www.swarmthebanks.com/
WFHM EXECUTIVE TEAM: REMAIN AWESOME.
YOU REGAIN OUR TRUST WITH EACH VICTORY!
YOUR EFFORTS ARE IMMEDIATELY
ACKNOWLEGED,
APPRECIATED
AND
ADVERTISED.
Kelly L. Hansen
ON FIRE Wells Fargo Vigilante for Wells Fargo Victims!!
33605 W. 88th Street
De Soto, KS 66018
504-579-2340
913-273-1448 Fax
"Kelly L. Hansen"
Jeff Taylor'sVictory!
Hi Kelly,
Where do I start? I read your letter to my family tonight (taking a deep breath with every new sentence) Thank you! And yes, you can post any, and all of my stories. We're in this together.
The blog you posted saved our future! The key to ASC success was dealing with one individual, and after sending emails to Wells Fargo's President, V P, And CFO, I had a response in four days from ASC! My wife was the one who took the call that morning while I was out dropping off the kids at school, and when she called me on the road with the news which was:"We are calling you from the executive department of ASC, and are very sorry you have had to go through this, we are assigning you to an individual who is going to get things straight, and it doesn't get higher than this", I could not believe what I was hearing, something that we worked months on with nothing but confusion, misunderstandings, three months delinquent, then all of the sudden...this? It was like seeing 911 all over again, I don't believe what I'm seeing, and hearing!
I wept behind the wheel to the point of almost having to pull over, but continued driving because I needed to get home to my wife and hear it again in detail. As I walked through the door, I saw this look of disbelief in her eyes mixed with a joy I have not seen for a long, long time. When I sent those emails out, I never thought a reply was coming, but something happened. In the subject line of those emails read "Why do you want my home?" I proceeded to explain the 100's of horror stories written by ASC victims, and how they all sounded alike, as did mine. The one question they had to ask when contacting my wife that morning was "how did he get that email information?", and my wife's reply was "you can get almost anything off the internet these days", which is how I found you Kelly.
All I did was Google "ASC Complaints", and OMG, there you were, along with more than I could handle. Fox Television even contacted me based on a blog I submitted, and had been getting so many calls, yet mine stood out, and wanted to do a live interview with me at my home, but I had to decline, for that was the day we were to get the news on the Special Forbearance Option that was about to be put into motion. We got the forbearance, yet within a week, ASC called back, and based on a plan I suggested they use, was submitted to the investor, and they approved it three months ahead of schedule.
All of the delinquent payments were then rolled back into the loan, interest reduced, payments reduced, and the rest goes into the history books. I've got you to thank for this Kelly, and I have passed this info to others whom have contacted me, and told me that they are starting to move forward in a positive way. ASC has also told me that the plan I suggested they implement for us, will now be used in other situations. A plan that has never been used before. I'm a Realtor, suffering like everyone else, yet WAMU agreed to a loan mod on another property that I own, and worked so well, I had to tell ASC where they were falling short, and how this plan could make it a win, win situation for the both of us. 3% year one, 4.5%, year two, 5.7%, year three, and every year thereafter.
So there you go. It's snowballing, and God used you, as he has used me to help those who are at a total loss as to who to trust, and which direction to go. I still look back on that morning when I got that call from my wife, and immediately thought of you. I saved your blog in Microsoft word, and was able to retrieve it. I needed to say thank you over and over again. I'm a firm believer that when you do good for others, good comes back to you. You're a God send Kelly, and I owe so very much to you for what you have taught me. If not for that information I just happened to stumble across that day while on a last chance mission, our home would now be gone. A million hugs and kisses to you my dear, you to are a totally awesome person!
A wonderful Christmas to you and yours!
I believe in miracles Kelly, and whether you know it or not, God appointed you as my guardian Angel!
Warmest regards,
Jeff Taylor
Candace Bolin wrote:
Dear Ms. Hansen,
Thank you so much for the information. It was late last night when I received it. I have e-mailed
Todd and Sharon on the issue. There are not specifics in the e-mails though. It is getting pretty
redundant as you can well guess. Someone pointed me in a few different directions that I can
take locally too. I am not working now and this incident happened starting in 2006. It led to me having to
file bankruptcy on my home in July 2007. We did not have the funds to be able to recover from the
bankruptcy. They ended up selling my home for under half of what it was worth. Why didn't I get this
option? Mine actually started with health problems and I let ASC know this and that I had lost my job.
ASC asked for personal information to see if they could work out a repayment plan. They worked one
out that I agreed to and I had to Western Union them money. Then, come to find out, I could not afford
that plan and let them know a different arrangement had to be made. They told me that I was approximately
$300 under in income for what was needed for this. The payments adjusted from an approximate $700 a
month payment to a $1200 payment. I had to deal with the harassing phone calls, threatening of foreclosure,
eventually was sent a note from the local Sheriff's Department asking us (me, my husband and 2 children)
to leave my home. We were instructed to be out by March 20, 2008. We were out before then. I know there are probably statutes and limitations on some of this. So, I don't know how much can be done. Anyway, the eventual solution, advised by an attorney, we had to file CHPT. 7 Bankruptcy. I will also contact my attorney general for this state first and find out if anything can be done. Hopefully now, they (Wells Fargo) now know that all this went on with people coming forward. It really made no sense. Instead of reducing payments to where people can afford them and stay in their homes instead of it leading to what it did (meaning bankruptcy) is beyond me. Someone might ask our government at the time what was going on and no help out there really. Oh, I also contacted and paid a "so-called" foreclosure relief program. They could not help and took me for $1,000. I have contacted them and they have offered back half the money I paid to them for a "good-faith" effort. I have been sent the release form to sign, but will not until I contact an attorney. I had also tried to get re-financed with another company, but when I did, the same run-around practices were used. I kept that company's information as well. Anyway, if you have any more questions, feel free to contact me by e-mailing or calling me directly at (931) 267-6236 .
We have already had to go through the mental and physical anguise of losing our home
and starting over. I would like to be reimbursed for the situation I had to deal with, the mental
abuse, that led to physical ailments (stress is not good on a diabetic) and unethical practices of
WELLS FARGO HOME MORTGAGE'S SERVICING COMPANY: AMERICAS SERV ASC and be able to have the opportunity to buy again.
I have also sent this e-mail to Sharon and Todd as well. Thank you for taking the time to acknowledge this situation and do something about it, I plan to do the same.
Thank you,
Candace
-Thomas Jefferson
AMERICA MUST HELP AMERICAN'S KEEP THEIR HOMES!!
Hi Shawn,
I wasn't certain if your original lender was Wells Fargo -- now that you've told me a bit more, this sounds like a case you may be able to fight AND WIN on your own. Feel free to fax or scan and attach to an e-mail me your docs/title/deed/etc any document you feel may reveal something about the ownership of your loan, and the transfer of your loan's servicing.
BEFORE you sign ANY modification agreement, let's look at your current loan documents and see what you have got, because you very well may have no currently verifiable debt.
If Wells Fargo has any intention of honoring a loan modification they don't waste your time, because they aren't in any habit of wasting their own, certainly! They don't have any reason to ask for loan documents over and over again. And they don't lose them. They haven't made trillions of dollars by functioning poorly. This company is wise. And every step they make is well thought out. Especially the ones that waste your time and cost you money. Unfortunately.
The following Executives in the Presidential Communications Office have approved loan modifications for our homeowners within in one hour. They have also immediately cancelled foreclosure sales, reinstated loans, waived fees, etc. They absolutely CAN CONFIRM ANYTHING YOU NEED THEM TO CONFIRM IN WRITING.
They CAN provide you with a COPY OF THE ORIGINAL NOTE, NOTARIZED COPIES OF ALL TITLE/DEED TRANSFER OF OWNERSHIP DOCUMENTS (MUST HAVE TO BE A LEGAL CONVEYANCE), and anything else you need them to provide.
Rick Kephart
Matt Heil
Amanda Kluender
Sharon Cecil
God Bless You!
Kelly L. Hansen,esq (expect success quickly!)
ON FIRE Vigilante!
Changing WFHM Victims to VICTORIES!
33605 W. 88th Street
De Soto, KS 66018
913-220-1284 Phone
913-273-1448 Fax
ctsmyhon@yahoo.com
http://wfhmcaught.blogspot.com/
--------------------------------------------------------------------------------
From: Shawn
To: Kelly L. Hansen
Hi Kelly:
My wife handles all our paperwork and she is out of town til Saturday...we have tried in good faith to resolve problems with Wells Fargo but have gotten nowhere except for trips to the doctors for stress-related ailments (cardiologist, gastroenterologist, primary care physician etc) brought on by Wells Fargo.
Problem is Wells Fargo is only servicing the loan; it's Bank of America who is "the investor" according to Wells Fargo. I have tried and tried to get through to them but they are even worse than Wells Fargo.
So...I am ready to go to war. Wells has hounded us with threatening letters and voice-mails and WE STILL HAVE NEVER MISSED A SINGLE PAYMENT!
We have also been trying to sell the house for 3 years now and are planning to stop payments next month (April).
I am sick (literally) of dealing with it. I have never had bad credit or missed payment obligations ever.
But I can't keep living like this, it's more than I can bear.
If you know an attorney in San Francisco (Wells Fargo HQ) or Des Moines who will help me go on the attack, please tell me.
Dear Shawn;
I'm sorry your efforts to work things out with Wells Fargo have failed. Having said that, and knowing you have, in good faith, made every effort to work things out with various departments for months I want you to know many, many homeowners are discovering THEY DO NOT NEED TO ENTER INTO A LOAN MODIFICATION because Wells Fargo ignored each states land conveyance laws and failed to dually register their security interest with the appropriate county register of deed's office.
And where Wells Fargo failed to register their security interest, the failed to secure, attach, and perfect that interest, and thus, they can not claim a secure interest in your property. They may be able to prove a debt interest of some sort, comparable to say a credit card company debt with an equal lien, but not a primary lien with any foreclosure right of any kind whatsoever.
So, let's see what you've got, fax me a copy of your paperwork...and SAY A PRAYER!!! Hopefully you will have gone through these many frustrated months for a reason!!! For a blessing, especially for you and your family the only way the good Lord knows how to bring them. Never early, never late. Just in time. And always, sooooooo very much appreciated.
I hope to hear from you soon, Shawn,
Kelly L. Hansen
Recently posted in our blog:
ARE YOU YOUR OWN ATTORNEY?
DID WELLS FARGO ILLEGALLY FORCLOSE AGAINST YOU?
I'm writing you with excitng news! Victims of Wells Fargo Bank have been e-mailing in, one after another, telling me they are winning foreclosure lawsuits all over the country against WellsFargo using
DEFENDANT’S PRO SE MOTION TO DISMISS FOR LACK
OF SUBJECT MATTER JURISDICTION OVER THE CASE
WELLS FARGO VICTIMS HELP EACH OTHER FIGHT
AND WIN
AGAINST FRAUDUALANT WELLS FARGO BANK
ONE BITTERSWEET VICTORY AT A TIME
By Kelly L. Hansen
WELLS FARGO VICTIMS NOW VICTORIOUS
HAVE A SINGLE GOAL IN MIND...
TO SEE EVERY OTHER VICTIM OF BIG BANK GREED
REALIZE AMERICAN DREAMS DO STILL COME TRUE.
DO UNTO OTHER'S...
WELLS FARGO'S BAD DEEDS ARE GOING TO BITE THEM IN THE BUTT
Property law can different widely in each state. Wells Fargo Bank is subject to class action penalties in all states where they have not followed land conveyance statutes for recording, attaching, and perfecting a lien on the title of any parcel of real property upon which they have foreclosed.
First, when you received your Petition to Foreclose, did the Plaintiff's name match the name on your copy or the original Note provided to you after the final page of the Petition? ONLY THE OWNER OF THE NOTE CAN BRING A FORECLOSURE ACTION. Not a servicer. Not an assignee. Not anyone who has "stepped into the shoes of the first note holder." When an original Note is purchased the OWNER MUST register with the Register of Deeds Office in the County where the property is located.
If your original Note is purchased by another bank or mortgage company, if they fail to file a Satisfaction of Mortgage and you have asked them to do so in writing, they are subject to money damages in most states (amounts vary according to state) if they do not comply with your request within 20 days.
If Wells Fargo Bank never filed a lien against your Note with your County Register of Deeds Office they have not fulfilled their requirement to file, secure, attach, and perfect a lien against your property AND THEY DO NOT HAVE ANY LEGAL INTEREST IN YOUR REAL PROPERTY.
IF YOU ARE THREATENED WITH A FORECLOSURE: It is worthwhile to pay to have a title search done on your property. A licensed and bonded title expert will search your title for mistakes that will stop the Plaintiff's foreclosure in it's tracks. All assignments must be witnessed, signed, notarized, dated the same date, some states require a corporate seal, etc. It really is a detailed process. Mistakes are made everywhere. They are just waiting to be discovered in your Title ... they will stop WELLS FARGO BANK!
An Update From A Previous Rhode Island Victim!
I had a title search done and it was interesting to see what was found on it. RI General Laws state that in order for an assignment here to be legal, it has to be dually noted. On my assignment, there is a signature with a date of 10/31/06 and it was notarized on 11/08/06. It is Null and Void! Now I need to go into the courthouse and request a Declaratory Judgment but first, I am filing a Lis Pendens.
Kelly L. Hansen,esq (expect success quickly!)
ON FIRE Vigilante!
Changing WFHM Victims to VICTORIES!
33605 W. 88th Street
De Soto, KS 66018
913-220-1284 Phone
913-273-1448 Fax
ctsmyhon@yahoo.com
http://wfhmcaught.blogspot.com/
--------------------------------------------------------------------------------
From:
To: "ctsmyhon@yahoo.com"
Sent: Wed, March 3, 2010 1:45:38 PM
Subject: Can't even tell you
What a relief it is to see your blog and that people are starting to figure this out. We have been on the wait and see if we get a permanent loan mod with Wells Fargo for 15 months. We are frustrated, tired and just are wanting to give up. We know we can't, we want to fight for our home. I have a long drawn out story and am not sure where to submit it with you. I think it will help people to share.
So far we see no end in sight. We are in the post-HAMP trial period. This month would make our second payment post the trial (making it the 5th "new" payment) but we are stuck in the world of "update your paycheck stubs every 30 days horse crap). I want answers and that is the only answer we get.
I can't wait to read up on your blog now. Please let me know where I should submit our story. We are a young family with 4 kids. We live in CA and just want to keep our home and get to some kind of permanent mod so we can breathe.
Thanks for your time!
xxxxxx
"When injustice becomes law, resistance becomes duty"
-Thomas Jefferson
Kelly L. Hansen,esq (expect success quickly!)
ON FIRE Vigilante!
Changing WFHM Victims to VICTORIES!
33605 W. 88th Street
De Soto, KS 66018
913-220-1284 Phone
913-273-1448 Fax
ctsmyhon@yahoo.com
http://wfhmcaught.blogspot.com/
Cara K. Heiden, CEO
WELLS FARGO HOME MORTGAGE
cara.k.heiden@wellsfargo.com
515-324-3130
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
515-524-2416 Phone
515-524-2417 Fax
Todd M. Boothroyd
Senior Counsel, Real Estate Division
Todd.M.Boothroyd@wellsfargo.com
WELLS FARGO HOME MORTGAGE
Executive Communications OfficeMAC X2302-02J
800 S Jordan Creek Pkwy
West Des Moines, IA 50266
515-324-3130
Kelly L. Hansen
http://wfhmcaught.blogspot.com/
Kelly L. Hansen
ON FIRE Wells Fargo Vigilante for Wells Fargo Victims!!
33605 W. 88th Street
De Soto, KS 66018
504-579-2340
913-273-1448 Fax
"Kelly L. Hansen" @ ctsmyhon@yahoo.com
HOMEOWNERS BE INFORMED! ASK FOR WHAT YOU WANT.
HOMEOWNERS BE INFORMED!
ASK FOR WHAT YOU WANT.
Do NOT pay any "up-front" fees
Do NOT pay any so called "contribution payment"
Do NOT pay ANY AMOUNT AT ALL to refinance your mortgage
Do NOT pay ANY AMOUNT AT ALL for a loan modification
Do NOT pay ANY AMOUNT AT ALL to refinance your mortgage
Do NOT pay ANY AMOUNT AT ALL for a loan modification
IF FACING POSSIBLE FORECLOSURE Ask Wells Fargo to add all your late payments to the back end of the loan
You are their customer, and you should be treated with dignity and respect, not as if you are "blessed by their willingness to take care of your business."
Do not settle for anything less than what you need on your mortgage loan. Now is THE time to INSIST on
1. a 4%-6% fixed interest rate
2. a payment you can afford
3. a first payment due date in 60 days to give you some time to breathe
4. a no-penalty prepayment clause
5. a bi-monthly payment option
AND
6.
EXTREMELY IMPORTANT FOR ALL CONSUMERS
if you opt to set up automatic withdrawal to pay your mortgage
SET UP A 2ND -- COMPLETELY SEPERATE -- ACCOUNT
AN ACCOUNT
NOT CONNECTED IN ANY WAY
TO YOUR OTHER BANK ACCOUNTS
THIS IS SO IMPORTANT PEOPLE!!!!
YOU WILL PREVENT BECOMING ANOTHER VICTIM
OF YET ANOTHER INFAMOUS, GREEDY
PREDATORY LENDING INSTITUTION'S TACTIC
BANKS ARE DUPLICATING WITHDRAWALS
'inadvertently' (yeah, right)
CREATING MULTIPLE UNAUTHORIZED CHARGES
AND ENDLESS NIGHTMARES FOR INNOCENT CONSUMERS.
MAKE SURE YOUR BANK WILL NOT
COVER ANY CHARGES ON THIS ACCOUNT
TELL YOUR BANK NO
TELL THEM WHY
SO THEY DON'T JUST DO IT
'AS A SERVICE'
TO YOU THEIR VALUED CUSTOMER
BLAH, BLAH, BLAH
THIS IS SO IMPORTANT, HOMEOWNERS HAVE BEEN LOSING THEIR ENTIRE SAVINGS DUE TO THIS PREDATORY TACTIC SO PLEASE BE CAREFUL.
DO NOT/DO NOT/DO NOT
authorize any bank to transfer funds from your first account to cover the 2nd account if it would overdraw for any reason.
A few days before your mortgage payment is due, transfer from your everything checking account, ONLY the exact amount of a single monthly mortgage payment, into your separate mortgage account.
BI-MONTHLY PAYMENTS
Cut 10-years off your mortgage by making 1/2 of your monthly mortgage payment on the 1st, and the 2nd on the 15th. This is an awesome way to save thousands of dollars. Every lending institution is legally required to share this information with you, although very few do.
I look forward to hearing more from you, if you want to share!!
CLASS ACTION SUITS take forever, and restitution is not, usually, equitable. Try contacting the people I suggest, and you won't need to sue, BUT please be sure to use a real estate attorney to give his seal of approval on any mortgage contract, re-fi, any loan documents, before signing any agreement.
I hope to hear your story if you are willing to share. It will help others.
Kelly L. Hansen
ON FIRE Wells Fargo Vigilante for Wells Fargo Victims!!
33605 W. 88th Street
De Soto, KS 66018
504-579-2340
913-273-1448 Fax
"Kelly L. Hansen"
Please let me know if you don't receive a quick response. It never hurts to start pushing from every possible direction. http://www.swarmthebanks.com/
WFHM EXECUTIVE TEAM: REMAIN AWESOME.
YOU REGAIN OUR TRUST WITH EACH VICTORY!
YOUR EFFORTS ARE IMMEDIATELY
ACKNOWLEGED,
APPRECIATED
AND
ADVERTISED.
Kelly L. Hansen
ON FIRE Wells Fargo Vigilante for Wells Fargo Victims!!
33605 W. 88th Street
De Soto, KS 66018
504-579-2340
913-273-1448 Fax
"Kelly L. Hansen"
Jeff Taylor'sVictory!
Hi Kelly,
Where do I start? I read your letter to my family tonight (taking a deep breath with every new sentence) Thank you! And yes, you can post any, and all of my stories. We're in this together.
The blog you posted saved our future! The key to ASC success was dealing with one individual, and after sending emails to Wells Fargo's President, V P, And CFO, I had a response in four days from ASC! My wife was the one who took the call that morning while I was out dropping off the kids at school, and when she called me on the road with the news which was:"We are calling you from the executive department of ASC, and are very sorry you have had to go through this, we are assigning you to an individual who is going to get things straight, and it doesn't get higher than this", I could not believe what I was hearing, something that we worked months on with nothing but confusion, misunderstandings, three months delinquent, then all of the sudden...this? It was like seeing 911 all over again, I don't believe what I'm seeing, and hearing!
I wept behind the wheel to the point of almost having to pull over, but continued driving because I needed to get home to my wife and hear it again in detail. As I walked through the door, I saw this look of disbelief in her eyes mixed with a joy I have not seen for a long, long time. When I sent those emails out, I never thought a reply was coming, but something happened. In the subject line of those emails read "Why do you want my home?" I proceeded to explain the 100's of horror stories written by ASC victims, and how they all sounded alike, as did mine. The one question they had to ask when contacting my wife that morning was "how did he get that email information?", and my wife's reply was "you can get almost anything off the internet these days", which is how I found you Kelly.
All I did was Google "ASC Complaints", and OMG, there you were, along with more than I could handle. Fox Television even contacted me based on a blog I submitted, and had been getting so many calls, yet mine stood out, and wanted to do a live interview with me at my home, but I had to decline, for that was the day we were to get the news on the Special Forbearance Option that was about to be put into motion. We got the forbearance, yet within a week, ASC called back, and based on a plan I suggested they use, was submitted to the investor, and they approved it three months ahead of schedule.
All of the delinquent payments were then rolled back into the loan, interest reduced, payments reduced, and the rest goes into the history books. I've got you to thank for this Kelly, and I have passed this info to others whom have contacted me, and told me that they are starting to move forward in a positive way. ASC has also told me that the plan I suggested they implement for us, will now be used in other situations. A plan that has never been used before. I'm a Realtor, suffering like everyone else, yet WAMU agreed to a loan mod on another property that I own, and worked so well, I had to tell ASC where they were falling short, and how this plan could make it a win, win situation for the both of us. 3% year one, 4.5%, year two, 5.7%, year three, and every year thereafter.
So there you go. It's snowballing, and God used you, as he has used me to help those who are at a total loss as to who to trust, and which direction to go. I still look back on that morning when I got that call from my wife, and immediately thought of you. I saved your blog in Microsoft word, and was able to retrieve it. I needed to say thank you over and over again. I'm a firm believer that when you do good for others, good comes back to you. You're a God send Kelly, and I owe so very much to you for what you have taught me. If not for that information I just happened to stumble across that day while on a last chance mission, our home would now be gone. A million hugs and kisses to you my dear, you to are a totally awesome person!
A wonderful Christmas to you and yours!
I believe in miracles Kelly, and whether you know it or not, God appointed you as my guardian Angel!
Warmest regards,
Jeff Taylor
Candace Bolin wrote:
Dear Ms. Hansen,
Thank you so much for the information. It was late last night when I received it. I have e-mailed
Todd and Sharon on the issue. There are not specifics in the e-mails though. It is getting pretty
redundant as you can well guess. Someone pointed me in a few different directions that I can
take locally too. I am not working now and this incident happened starting in 2006. It led to me having to
file bankruptcy on my home in July 2007. We did not have the funds to be able to recover from the
bankruptcy. They ended up selling my home for under half of what it was worth. Why didn't I get this
option? Mine actually started with health problems and I let ASC know this and that I had lost my job.
ASC asked for personal information to see if they could work out a repayment plan. They worked one
out that I agreed to and I had to Western Union them money. Then, come to find out, I could not afford
that plan and let them know a different arrangement had to be made. They told me that I was approximately
$300 under in income for what was needed for this. The payments adjusted from an approximate $700 a
month payment to a $1200 payment. I had to deal with the harassing phone calls, threatening of foreclosure,
eventually was sent a note from the local Sheriff's Department asking us (me, my husband and 2 children)
to leave my home. We were instructed to be out by March 20, 2008. We were out before then. I know there are probably statutes and limitations on some of this. So, I don't know how much can be done. Anyway, the eventual solution, advised by an attorney, we had to file CHPT. 7 Bankruptcy. I will also contact my attorney general for this state first and find out if anything can be done. Hopefully now, they (Wells Fargo) now know that all this went on with people coming forward. It really made no sense. Instead of reducing payments to where people can afford them and stay in their homes instead of it leading to what it did (meaning bankruptcy) is beyond me. Someone might ask our government at the time what was going on and no help out there really. Oh, I also contacted and paid a "so-called" foreclosure relief program. They could not help and took me for $1,000. I have contacted them and they have offered back half the money I paid to them for a "good-faith" effort. I have been sent the release form to sign, but will not until I contact an attorney. I had also tried to get re-financed with another company, but when I did, the same run-around practices were used. I kept that company's information as well. Anyway, if you have any more questions, feel free to contact me by e-mailing or calling me directly at (931) 267-6236 .
We have already had to go through the mental and physical anguise of losing our home
and starting over. I would like to be reimbursed for the situation I had to deal with, the mental
abuse, that led to physical ailments (stress is not good on a diabetic) and unethical practices of
WELLS FARGO HOME MORTGAGE'S SERVICING COMPANY: AMERICAS SERV ASC and be able to have the opportunity to buy again.
I have also sent this e-mail to Sharon and Todd as well. Thank you for taking the time to acknowledge this situation and do something about it, I plan to do the same.
Thank you,
Candace
LOOKING FOR A FORECLOSURE DEFENSE? CHECK YOUR ASSIGNMENT FOR FRAUD!
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Be happy, healthy and prosperous, but most of all, be blessed. 
Kelly L. Hansen
Jurisdictionary® just click on the link
Make Sure Your Attorney Is Working For You!
Kelly L. Hansen
HOMEOWNERS HELPING HOMEOWNERS FOUNDATION
33605 W. 88th Street
De Soto, KS 66018
913-269-0399 Phone
888-881-2349 Fax
MORTGAGE FRAUD VICTIMS
ARE YOU A VICTIM OF MORTGAGE FRAUD?
PLEASE DONATE TO HELP HOMEOWNERS!
Kelly L. Hansen
Jurisdictionary® just click on the link
Make Sure Your Attorney Is Working For You!
Kelly L. Hansen
HOMEOWNERS HELPING HOMEOWNERS FOUNDATION
33605 W. 88th Street
De Soto, KS 66018
913-269-0399 Phone
888-881-2349 Fax
MORTGAGE FRAUD VICTIMS
ARE YOU A VICTIM OF MORTGAGE FRAUD?
PLEASE DONATE TO HELP HOMEOWNERS!