So, what is the latest that you have found out. Here is my story...the short version:)
"So, there is a reason why I am on blood pressure medication as of a few months ago. I don't know that I want to be part of this group, but at this point, I have no choice. We have been "working with" Wells Fargo for the past year (since March 2009), when my husband lost his job. The stories went back and forth and all over the place with every call. I couldn't deal with it anymore because of the stress of the varying stories. So, my husband started to "work with" them. There was never a consistent department or story. We have notes from the whole process, along with the employee identification numbers from each conversation. We went through the trial process and my husband now has a job, and has been working for a little over a month...horray!!!...but wait...we were told after one week of his working that our HAMP file was sent to underwriting and that we were accepted. Mind you, we paid for the first 9 months of being unemployed, attempting to be responsible, while jumping through each 2 week hoop from Wells Fargo. So, we have been waiting for the paperwork to be sent to us via UPS that the last person said is on its way, that we have been successful in our work to get on the HAMP Program...we have been accepted... So, today, since we didn't get the UPS package, my husband did his dilligent follow-up with Wells Fargo. Well, they said that the other employee "made a mistake" and that we were not accepted...okay??? They declined letting my husband talk with the supervisor and let him know that they will look for other programs that we may be eligible for. So, now we have over $12k due and they may be looking at forclosure...so why did we go through the process? We had an almost perfect credit score and, I am sure that is no longer the case. What do we do now? By-the-way, my husband is now on bloodpressure medication as well. We tried to be responsible. What do we do now? What are we going to have to do with our house? How long will foreclosure take? Should we just leave it? We are so confused and angry and sick and tired and worried. The hope that we once had is now down the drain. My husband makes a lot less, I am recovering from Late-stage Lyme and attempting to get clients with my own business of PR (because I cannot work the regular working day of 9-5, but am great at what I do...http://www.inspiredlemonade.com ... may be tacky to leave a link, but I don't care at this point) Anyone have suggestions? Stressed! Angry!! Worried!! Sick!!!"
To All: I lost my job 9 months ago and have been caught up in the Wells Fargo nightmare for even longer. Package after package has been submitted; qualified for HAMP, but WFB stated AFTER encouraging me to apply that the securities group who owns the loan doesn't accept HAMP. Been through the cross questions and silly answers with the loss mitigation department too many times to recount. Also been through forbearance - and WFB came back with a "modification offer" that was $600 higher than my original mortgage payment. I had a forensic analysis of the loan done and the latest lunacy is that WFB - after having "worked" with me for over 18 months - now states that because my assets are in a living trust, they cannot even consider extending relief until the house is taken out of the trust. The house has been in trust since the loan was originated, so for this to become an issue now is just another example of the insanity. I've even had clerks from the loss mitigation department call and ask to speak to "Ms. Trust" even though the loan is in my name, with the trust listed underneath my name. CRETINS! I have several questions that I'd like to get feedback on: Should I keep making payments (even if partial) to show good faith? I am 4 -5 payments behind at present. Is there a senator or governing body in California willing to listen to consumer complaints about WFB? I intend to call the executive offices (as suggested in the blog) to see if someone there could help. Thank you JenChou for the tip. Finally - has your situation been resolved or are you still living the nightmare? I look forward to any suggestions or tips. Thanks!
Hi Jen - I have not been dealing with this mess for as long as other people, but would like to avoid working on this for a long time so thought I would cut to the chase and call the Exec office. He basically told me there is nothing they can do and to continue to talk to Loss Mitigation who have been less than helpful and downright rude. Is there someone specific you worked with that you think might help me? If so, do you have their extension? Thanks so much for any information you can give me.
So, what is the latest that you have found out. Here is my story...the short version:)
ReplyDelete"So, there is a reason why I am on blood pressure medication as of a few months ago. I don't know that I want to be part of this group, but at this point, I have no choice. We have been "working with" Wells Fargo for the past year (since March 2009), when my husband lost his job. The stories went back and forth and all over the place with every call. I couldn't deal with it anymore because of the stress of the varying stories. So, my husband started to "work with" them. There was never a consistent department or story. We have notes from the whole process, along with the employee identification numbers from each conversation. We went through the trial process and my husband now has a job, and has been working for a little over a month...horray!!!...but wait...we were told after one week of his working that our HAMP file was sent to underwriting and that we were accepted. Mind you, we paid for the first 9 months of being unemployed, attempting to be responsible, while jumping through each 2 week hoop from Wells Fargo. So, we have been waiting for the paperwork to be sent to us via UPS that the last person said is on its way, that we have been successful in our work to get on the HAMP Program...we have been accepted... So, today, since we didn't get the UPS package, my husband did his dilligent follow-up with Wells Fargo. Well, they said that the other employee "made a mistake" and that we were not accepted...okay??? They declined letting my husband talk with the supervisor and let him know that they will look for other programs that we may be eligible for. So, now we have over $12k due and they may be looking at forclosure...so why did we go through the process? We had an almost perfect credit score and, I am sure that is no longer the case. What do we do now? By-the-way, my husband is now on bloodpressure medication as well. We tried to be responsible. What do we do now? What are we going to have to do with our house? How long will foreclosure take? Should we just leave it? We are so confused and angry and sick and tired and worried. The hope that we once had is now down the drain. My husband makes a lot less, I am recovering from Late-stage Lyme and attempting to get clients with my own business of PR (because I cannot work the regular working day of 9-5, but am great at what I do...http://www.inspiredlemonade.com ... may be tacky to leave a link, but I don't care at this point) Anyone have suggestions? Stressed! Angry!! Worried!! Sick!!!"
To All:
ReplyDeleteI lost my job 9 months ago and have been caught up in the Wells Fargo nightmare for even longer. Package after package has been submitted; qualified for HAMP, but WFB stated AFTER encouraging me to apply that the securities group who owns the loan doesn't accept HAMP. Been through the cross questions and silly answers with the loss mitigation department too many times to recount. Also been through forbearance - and WFB came back with a "modification offer" that was $600 higher than my original mortgage payment. I had a forensic analysis of the loan done and the latest lunacy is that WFB - after having "worked" with me for over 18 months - now states that because my assets are in a living trust, they cannot even consider extending relief until the house is taken out of the trust. The house has been in trust since the loan was originated, so for this to become an issue now is just another example of the insanity. I've even had clerks from the loss mitigation department call and ask to speak to "Ms. Trust" even though the loan is in my name, with the trust listed underneath my name. CRETINS!
I have several questions that I'd like to get feedback on:
Should I keep making payments (even if partial) to show good faith? I am 4 -5 payments behind at present.
Is there a senator or governing body in California willing to listen to consumer complaints about WFB?
I intend to call the executive offices (as suggested in the blog) to see if someone there could help. Thank you JenChou for the tip.
Finally - has your situation been resolved or are you still living the nightmare?
I look forward to any suggestions or tips.
Thanks!
Hi Jen,
ReplyDeleteHow can I get in touch with you. I am also working with Exec Level Mortgage Specialist at Wells Fargo for HAMP
Hi Jen - I have not been dealing with this mess for as long as other people, but would like to avoid working on this for a long time so thought I would cut to the chase and call the Exec office. He basically told me there is nothing they can do and to continue to talk to Loss Mitigation who have been less than helpful and downright rude. Is there someone specific you worked with that you think might help me? If so, do you have their extension? Thanks so much for any information you can give me.
ReplyDelete