Wells fargo home remodification
In 2008 W.F. approved me for modification, lowering my payment $84. Told them that woud not help me. W.F. sent another remodification package, sent in documents they requested. Last 2 years, been faxing and overnighting W.F. udpdates on the info. Last 8 months, been faxing and sending overnight financial info on the 30th each month, and speaking to W.F evey week and 1 to 2 times a day for the last month. W.F first told me to pay whatever I could, then the last three months to not send them any payments. Rep told me not to worry about foreclosure since it is being reviewed, and they would notify me 4-6 months if they deny my remodification and foreclose on my home. 10-days later, got a notice from W.F. lawyer with foreclosure date of 12/7/10. Told W.F. I would send a prommisary notice stating it would take me approx. 4 weeks to cash out my 401K, taking a 40% loss on my retirement monies. They told me my 401K payment to them was not acceptable. I told the rep.that I would be forced to file bankruptcy. Faxed requested docs to them 3 times before they said they received. (have transmittal sheets showing they received the docs all 3 times).
Rep said he wasn\'t allowed to give me no to speak with a manager or the lost mitigation department. If I had a complaint or needed to speak them, to fax them a letter. Spoke to 13 different reps the last ten days, and they never have the info I discussed with the other reps.
I am not a deadbeat, I have a long-time steady income, my wages and bonuses have been frozen by my employer since 2007, inurance changed with a high-deductible insurance $4K a year. I have been employed since 1973, and will need to work the rest of my healthy life. I\'m 57 years old, single grandmother and no longer can keep up with 2010-11 cost tlive. Dealing with Wells Fargo has been detrimental to my happiness and health. I can catch up in 4 weeks, but they will not consider that option. Balance due now is $185K, the lawyer charged me $1.7K for his fees to publize the foreclosure of my home (balance at time of remodification request was $174K, now house is worth $147K.
I can\'t understand why this fraudulent practice by Wells Fargo is legal. I no longer feel that this is America. This has been the hardest period of my life, and I beat cancer.
I am worried what this country will be like when my grandson is an adult, so far, it is only getting worse. have always been devoted to my country, father fought in three wars, and was retired military. He has passed away, and I\'m sure it is breaking his heart to see how America is run on greed, no more middle class folks, either you\'re upper or lower class.
I would appreciate any advice to keep them for taking my home on 12/7/10. I am scared to death and getting no where with Wells Fargo, and it will be horrible to be forced into bankruptcy. Thanking you in advance for any assistance of information that may help me.