- American Home Mortgage Servicing
- Aurora Loan Services
- Bank of America
- Deutsche Bank
- Fannie Mae
- Federal Reserve
- Freddie Mac
- JP Morgan Chase
- Litton Loan Servicing
- MetLife Home Loans
- Nationstar Mortgage
- Ocwen Loan Servicing
- Other/Not Listed
- People with Disabilities
- PHH Mortgage
- PNC Bank/National City Mortgage
- Saxon Mortgage
- Senior Citizens
- Stage: Eviction Defense
- Stage: Foreclosure
- Stage: In Default
- Stage: Post Eviction
- Stage: Underwater
- US Bank
- Washington Mutual
- Wells Fargo
Wells Fargo: Stop Foreclosures & Pay Us Back! (Morristown, NJ, not Palo Alto, CA)We have all heard that "a divided house will not stand," and I, a 62-year-old woman in distress, left struggling alone -- fighting Wells Fargo Bank's and its cohorts' corruption, can tell you that firsthand. When there is a land grab like the one today, unscrupulous, opportunistic people -- including your enemies, will play on any division in your family and create it to take your family's home. Many families are losing homes this way today. In 2001, my mother died without a will and her small -- estate has been pending ever since due to the aforementioned reasons. She had owned the home for fifty-seven (57) years. Immediately after her demise, family enemies instigated division in our family to force a court-ordered sale substantially below value. In fact, in February 2009, to expedite the sale, they tried -- unsuccessfully -- to get me committed to a hospital psychiatric ward to disempower me as co-administrator of the estate. When the court-ordered sale failed, they targeted a Wachovia Bank -- now Wells Fargo Bank mortgage and Personal Equity Line (PEL) loan, opened to repair the property for sale. Their intention was cause court battles to drain the equity in the estate, and they did, with the help of Wells Fargo Bank. However, this is also how I discovered the bank's fraud. In collusion with these enemies, Wells Fargo Bank allowed an estranged nephew being exploited by them to use what appears to be a fraudulent power of attorney to take the remaining equity in the PEL account. He has no interest in the estate or PEL account. My name is on the account and I am the only one who had ever paid the bill, yet Wells Fargo never gave me a courtesy call when the fraud occurred. Temporarily, Wells Fargo replaced the funds but then closed the account, at least to me! Without notifying me, Wells Fargo held a private meeting, gave the funds to my nephew again, then sent me the bill and pre-foreclosure notice! As a result, I am suing Wells Fargo in federal court (United States District Court for the District of New Jersey, Civil Case No.: 2:12-cv-01932-KM-MAH). My attorney took the case on contingency. Wells Fargo's foreclosure mill lawyer is unlawfully representing my nephew, causing the court to favor him and punish me! In fact, after Wells Fargo gave the funds to my nephew, he underhandedly purchased my late brother's home, taking it from his children. When my attorney deposed him, he asked him if he used the PEL funds to purchase the home, and my nephew told him that someone named Felix gave him the money. My attorney then asked for Felix's information so we could investigate the lead, but Wells Fargo's lawyer told my nephew he did not have to answer the questions. More than a year later, the court has still not impelled my nephew to answer the materially-relevant questions and has allowed him to commit perjury with impunity. As usual, Wells Fargo and its cohorts are making me the public scapegoat, falsely portraying me as a deadbeat who does not work, and who refused to rent an apartment which needs repairs. I had a well-paying job until my adversaries created a false charge to make me lose it, so I could not pay the bills. The people involved also interfere with tenants. Once, I had to have a lawyer send them a cease and desist letter. Despite its egregious misconduct, Wells Fargo refuses to settle my case. Instead, it is delaying it to wear me down by inflicting legal abuse upon me. Wells Fargo's and its cohorts' misconduct keeps me inundated with oppressive paperwork, and places me under considerable stress -- harming my health. Property is being vandalized to harm me too. My mother's home was in good standing and was not in danger of foreclosure, until Wells Fargo aided and abetted the people involved. Now, the property is in jeopardy, my good credit is destroyed and I am struggling alone to survive. I sent Wells Fargo a letter withdrawing a life insurance policy, but I never received a response. My case is important because it shows you the necessity of maintaining family unity when a family member dies intestate, and because it tells you how your enemies can use banks and courts to bully you, to take your family's home to humiliate, degrade and destroy you, and to make you homeless in retaliation for exercising your constitutional rights! Wells Fargo has a well-documented history of abusing customers seeking mortgage modifications, racial discrimination and peddling faulty mortgages that led to the financial crisis. Now a lawsuit has brought to light a 150 page manual used by the bank, that attorneys say provides a step by step instructions for Wells Fargo lawyer’s to fabricate documents in order to illegally foreclose on millions of homeowners.
Tells Wells Fargo to Negotiate with Yolanda Andrews!Yolanda Andrews was born and raised in Newark, New Jersey, where she and her husband, Hosea, bought their first home in May of 2004. Yolanda often talks about the joy she felt the day her family got the keys to their piece of the American Dream. Today, Yolanda and Hosea are on the other side of that experience, living the American Nightmare. After the economic collapse in 2008, Yolanda lost one of her jobs. She tried working with Wells Fargo in 2010 to get a modification on her mortgage at terms that reflected the real value of her home and at a rate that was affordable for her and Hosea. Eventually Wells Fargo relented and offered Yolanda and Hosea a mortgage modification BUT the terms of the new deal did nothing to lighten the threat of foreclosure. Under the deal, the Andrews family received a lower interest rate, but Wells Fargo increased the principal balance of their mortgage by over $20,000! Yolanda’s monthly payment ended up being only $49 less per month. Yolanda is now battling cancer and fighting for her life. Yolanda has been active in the anti-foreclosure movement for years, always standing with other homeowners in their fights. She has signed petitions, marched in rallies and even taken her story – and the stories of her neighbors fighting foreclosure - to the annual Wells Fargo shareholder conference in Texas in 2014. Wells Fargo claims to be committed to improving the quality of life in the communities which they do business. Ginnie Mae’s mission is supposed to be to “help make affordable housing a reality” for working people like Yolanda and Hosea. If these statements are true, the Andrews would have a mortgage modification that they could afford so they can stay in their home and keep their community from being destabilized even further by the foreclosure crisis. Please support the Andrew’s fight to save their home. Together we can send a loud and clear message to Wells Fargo that families are fighting back against their greedy deals!
STOP WELLS FARGO AND GRAY AND ASSOC. FROM TAKING OUR HOMES DAWN PENNALAI am a single mom of minor children. I have been in my home for 19 years. I take care of other children in my home as well. I own a 2 businesses in my home. I have clients everyday. I am working 3 jobs. I am part of the school JA mentoring tutors in my home. I have been paying my mortgage and chapter 13 payments when you illegally wrongfully put my home into sheriff sale and eviction!
Stop Wells Fargo Home Mortgage from stealing our community!It is ruining our economy. It is unfair, unjust, and ILLEGAL! Homes that families could be raised in, neighborhoods where communities can flourish, just as American nieghborhoods should! This is our experience with Wells Fargo Home Mortgage....... In January 2013,We expirence what I thought was a hardship when my wife's hours had been reduced.I tried to manage things on my own.I had missed a couple payments,In the meantime the postman was leaving yellow post its in my mailbox saying I have important documents to pick up at the post office from Wells Fargo 2-3 times a week. I relize after a couple months I couldn't manage things.I contacted Wells Fargo in hope of a loan modifcation.I presented my check stubs,bank statements and bill info. a couple of times while filling out their loan mod. application, due to them saying they never recieve it or it was misplace. One day my wife put the phone on speaker and we chatted with a lady by the name of Billy Wright. Now Ms. Wright tells us everything we want to hear they can do the talking to Wells Fargo for us.But I had to send them check stubs,and all the info that I sent to Wells Fargo,and 3 payments of 500.00 dollars.After a couple weeks,I chatted with Wells Fargo who said hadn't talk to a Billy Wright. After getting little upset the emails between Ms. Wright and myself ended.At this time Wells Fargo was not being difficult. We just made the wrong decision.We thought that she would assist us better because they knew how to deal with Wells Fargo.I kept talking to numerous Wells Fargo Reps. that said my chances of getting a modification done is greater if I was behind on my payments. We managed to get approved for a modification with my payments going from 780.00 to 741.00 .For the first 3 months of the modification they call the trial period my payment date had been switched to the 15th of the month.Even though we weren't happy with the actual amount it was reduced .My Wells Fargo loan preservation rep. Sophia agreed that the 40.00 dollars doesn't improve the situtation any.The payment date of the 15th however did help my situtation and I express this to Sophia who stated she'd tell her underwriters,because they don't want to make things worse.Plus we thought we had no choice but to except the reduction.So we look for the only good thing going for us. After the trial payments were successful ,they put the payment date back to the 1st of every month which in turn,we ended up late every month with a 50.00 dollar late fee they charge.We ended up paying a payment of 790.00 a month.Which is 10.00 dollars more then I started with.When I ask why would they switch the payment date to the 15th for 3 months just to switch back?I never recieved a direct answer,except whispers of thats how its done. Almost a year later to our displeasure after 14 plus years at same company my wife was let go from her employment.Our hardship just magified double then the year prior.I attempted to make things work out the best I could.After using up all other means we had to assist us.I called Wells Fargo in hopes they would re-evaluate our case or just point us in a direction of someone that could help us.Wells Fargo rep. Crystal Espinosa stated they don't normally look into a case for atleast 2 years after their modification.But it doesn't hurt to fill out the paperwork and see what they can do for you and not to make any kind of payment on an open case.I was always under the impression that banks wanted to keep people in their homes not to foreclose on them.So I again fill out and presented them all the documents they require as I did a year before.This time though I notice things were alittle different on Wells Fargo willingness to talk to us.I wasn't getting the post its from the post office like before,then I was told my rep. switched to Sherry McLean.So I was explaining my situation to a third rep.I ended up without electricity for a couple of months in efforts to send extra to try to catch up.Wells Fargo ended up denying us and sent me a check for the amount I over paid stating that they don't accept partial payments.This being our first home we were willing to do anything we could to keep it.I ask if there was any place they could point me to for help?Their reply was they are not allowed to assist in what someone should do. This is just the first half of our nightmare. I will continue to post updates as I recieve them. To make a very long story a little shorter....we got some good news this afternoon. Parker Maertz from the office of MN Attorney General Lori Swanson, sent WF a letter demanding them to reply and reconsider within ten days from today 3/28/2015.
Prevent auction of John and Geral's home on April 29thMy downs syndrome child has lived on this property since he was born. He knows that it is home, can recite his address, and knows how to get home if he ever got lost. He is able to have his two dogs, has a fenced yard, and does not have to worry about traffic. If we have to be relocated, his confusion and lack of understanding could be detrimental in so many ways. As of today, we would be moving into a 24 foot RV that last ran in 2007. We don't know where we would park it at this time. Geral and I were profiled in the award winning documentary, "American Winter." Our friends at American Winter have set up a fundraiser account on Indiegogo.com to help Geral and I save our home. There are other funding raising activities planned but not as much of a consorted effort as Indiegogo yet. I feel humiliated to ask for help but I don't know what else to do. Any help would graciously be appreciated. All the Best to everyone.
Wells Fargo, Don't Evict Vet and his Children Before Christmas!My name is Joseph Martinez. I am a United States military veteran, and a single parent of Phillip and Joseph Jr, aged 11 and 4. The Rochester City Marshal has informed me that I will be forcibly evicted from my home as early as December 9th. On April 1, 2014, I signed a year lease for 189 Alameda Street. Approximately two months ago, I found out that the house I live in was being foreclosed. Despite presenting a copy of my lease to Wells Fargo, I was informed that the bank would be trying to evict me on December 8, and they wanted me to pack up and leave. Not honoring my lease is in direct violation of the Protecting Tenants at Foreclosure Act of 2009. For me, having a stable home in a positive environment is crucial for raising my children. Having to move would surely create instability. In addition, being so close to Christmas will add additional stress both financially, physically and emotionally. As a veteran I would expect Wells Fargo to be understanding and support me in my wish to stay at least to the end of the lease. I chose Alameda Street because of the proximity to an excellent school with a great sports program where my son, Phillip, can thrive. One month ago I was given sole custody of Phillip, and being able to provide a stable environment for him was one of the deciding factors for the judge. It would be unfair to my son to have to pack up three weeks before Christmas with no home to move into. I am asking Wells Fargo to call off the eviction and negotiate with me so that my sons and I have a place to live for Christmas and beyond. If they will not grant my request, I will be working to peacefully defend my home with the help of Take Back the Land Rochester and other members in my community.
Wells Fargo: Don't Evict George Douglass from his home!My name is George Douglass. When my wife and I purchased a home in Rochester, NY in February 2008, it was a dream come true. It was to be a haven of stability and security. Yet that dream has now turned into a nightmare. Despite my best efforts, despite ill health, and despite my ability to make payments, Wells Fargo has foreclosed on my home and an order of eviction is in effect. In 2008, my wife and I were both employed by the Hyatt Regency Rochester Hotel where I had been working for eleven years. She was also attending nursing school and we were raising two children. Our lives seemed stable and the future bright. Then in May 2009, like so many others after the banks brought the economy down, I lost my job due to cut backs. I was able to get unemployment and a temporary job that lasted six months, but hard times took their toll. Shortly after the job ended, my wife and I divorced and she moved out of the house. My health declined, the unemployment checks ended, and my wife was no longer there to help pay the bills. Now in my 50's and suffering from health issues, finding employment was a challenge. Looking at hard times ahead, I applied for a loan modification. Nothing came through. I was diagnosed with type II diabetes, severe hypertension, high cholesterol, congestive heart failure, and pulmonary sarcoidosis (the autoimmune disease that contributed to the deaths of Reggie White and Bernie Mac). After bureaucratic delays, I was finally approved for disability. In May 2011 Wells Fargo took over my mortgage and made no effort to work out a plan with me. Only one month later, they opted to aggressively foreclose on my home with the help of the now disgraced N.Y. foreclosure mill attorney Steven J. Baum. Wells Fargo went through hard times, too, but when they were struggling, they received massive bailouts from U.S. treasury, totaling up to $50 billion. Even though my home is on the line, I am not asking for a bailout. I am just asking Wells Fargo to allow me to continue to pay a fair monthly amount so I can remain in my home. I believe this to be both a moral question and an issue of justice. Houses all over Rochester lay vacant and in disrepair due to unjust foreclosures. I will remain in my home. I am asking Wells Fargo to withdrawn the eviction, and am working with Take Back the Land Rochester to launch a public campaign to shine light on Wells Fargo’s unjust practices. I join with them to oppose the mass evictions being carried out after foreclosure by the banks, causing untold suffering to thousands of people and dragging down our communities.
Help Me Keep My Deceased Mother's HomeMy Mother was an Educator, Counselor, Teacher and Vice Principal within the Los Angeles Unified School District for over 45 years. She proudly dedicated her life to helping others, yet was too proud to ask for help herself. When I found out my mother was ill, we spoke about her home. She told me she was sorry as she cried in my arms. I told her it was not her fault and that she did the best she could. I made a promise to her that I would work this out... within two weeks she was dead. The Lender knew she would not live to pay the refinance off as she was deemed uninsurable after suffering two previous strokes. She died blaming herself, not understanding that she was purposely targeted and preyed upon by predatory loans. I did not understand how a 78-year old terminally ill woman was given a loan for fifteen years. It boggles the mind of the reasonable person. My only option at that time was to manage the situation by refinancing and attempt to pay off her mortgage. The death of my mother and the stress of fighting for my family's home has been a nightmare. During April of 2008, I had a six-inch tumor removed that was interfering with the function of my kidneys and liver. I have also had a series of medical conditions causing high medical bills and loss of income. My family has suffered so very much during this 1,885 day process. We have been disrespected, insulted, lied too, misled. I was laughed at and told, “You people think it's okay not to pay your Mortgage” by a Wells Fargo Home Preservation Specialist. I was willing to pay an affordable mortgage and keep my promise to my mother's dying wish for her grandchildren and unborn great grandchildren to be able to own and keep our home. I was promised by Wachovia I would have a modification within 120 days. To date, I have submitted paperwork repeatedly for the past 1,885 days. In the 30+ years I have lived in the Crenshaw area, I have witnessed my community suffer so many injustices from racial profiling, the “Cash Cow” attitudes of the Banks and their auto insurance companies, I witnessed my neighbors being slowly priced out of our community through “gentrification” and the vicious trick bag that is the “Pick-a-Pay” option offered by Wells Fargo Bank, who claims to “stand by our community” yet prove by these actions and exploiting practices that they are NOT. I have seen so many people lose there homes. Not knowing which way to go like a deer caught in headlights as ruthless sharks try to “flip the property” within 60 days and steal that family's future (equity) knowingly providing loans that are toxic to the homeowner yet very profitable vertically and horizontally for the banks. The current state of the modification process is like asking a fox inside of a chicken coop, “What should he do with the chickens?” Unfortunately history has already shown us the answer to that. I love my community. It is important for us not to be invisible. Many have just walked away from their futures in silence and without hope, and conditioned to simply “put up with it”. Home Defenders League has directed a online campaign against Wells Fargo CEO, John Stumpf demanding that Wells Fargo end foreclosures, work in good faith to keep families in their homes and provide reasonable load modifications that include principal reduction. We also demand the stop of blocking communities like Richmond, CA from enacting their own programs to combat the foreclosure crisis. “The issuing power of currency shall be taken from the banks and restored to the people, to whom it rightfully belongs. The “Economic Tapeworm” behavior must STOP! Right here, right now” Sincerely, Athena Jackson “For years, cities and communities of color were targeted by predatory lending practices and sold toxic sub-prime mortgages, resulting in a foreclosure crisis. Now those same cities that were targeted by predatory lending should be able to consider their full range of options to rescue homes from foreclosure, and to stabilize communities that are facing blight because of discriminatory lending practices”. - Udi Ofer, Executive Director of the ACLU of New Jersey. “We have already seen what unchecked corporate greed can do to communities, Many of us are still fighting to keep our homes and stay in the communities we love after the harm done by Wall Street. The federal government has a responsibility to protect our right to housing—not to help sell our homes to the highest bidder.” - Gisele Mata, California Community Organizer “I believe that banking institutions are more dangerous to our liberties than standing armies. If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around (these banks) will deprive the people of all property until their children wake up homeless on the continent their fathers conquered”. - Thomas Jefferson
ASC/Wells Fargo, Don't Take the Only Home My Seriously Ill and Elderly Father has Ever Owned!We've been through enough pain, enough heartache, enough stress! If ASC/Wells Fargo had done the right thing and worked with us (and the State of New Jersey's HomeKeeper Program), we wouldn't even be in this mess. It's long past time for Wells to do the right thing here and keep my dad in the home he worked so hard for. Every human being deserves a second chance to make things right and I implore everyone to help me KEEP MY HOME!
Illinois Legislatures Pass Homeowners Bill of Rights!Center for Responsible Lending and Consumers Union: State Action Still Needed to Prevent Unnecessary Foreclosures. States have yet to recover from the foreclosure crisis that has stripped trillions of dollars from homeowners and devastated local communities across the nation. Industry analysts estimate that 6 million borrowers remain at risk of foreclosure.1 States are in a strong position to prevent unnecessary foreclosures, stabilize local housing markets and protect homeowners from mortgage servicing abuses. Through practical enhancements to the standards set by the Consumer Financial Protection Bureau (CFPB) and California’s Homeowner Bill of Rights, states can help borrowers get full and fair consideration for loan modifications before losing their homes to foreclosure. State Action Remains Necessary Following the CFPB Servicing Rules On January 17, 2012, the CFPB issued final servicing rules that address loss mitigation and dual tracking, the practice by servicers of simultaneously pursuing foreclosure while working with a homeowner on a loan modification or other foreclosure alternative.2 Although the CFPB rules will apply to servicers whether or not states adopt them, 3 only by adopting the rules themselves can states give borrowers the ability to prevent foreclosure sales when servicers violate the rules. Hence, we provide recommendations on how to implement aspects of CFPB’s national reforms. And although the CFPB rules are strong in many respects, there are key areas where the states can provide stronger protections for homeowners. Recommended Dual Track Rules Pre-Foreclosure Referral: The CFPB rule provides that a mortgage servicer may not start the foreclosure process until a borrower is more than 120 days delinquent. Additionally, under the rule, if a borrower submits a complete loss mitigation application before the servicer starts the foreclosure process, then the servicer may not begin the process while the application is pending. States should adopt this strong standard. Post-Foreclosure Referral: Under the CFPB rule, if a servicer has already started the foreclosure process, it is prevented from moving for a judgment or order of sale or conducting a sale only if the borrower submits a complete loss mitigation application more than 37 days before the foreclosure sale date. California law has no deadline. CRL had recommended that the CFPB adopt a shorter deadline of 15 days. States should consider giving borrowers more time to apply with timelines that are consistent and workable with their state’s foreclosure timetables. Limited Right to Appeal: The CFPB rule gives borrowers a right to appeal a denial only if a complete application is received by the servicer 90 days before a possible foreclosure sale date. California law allows a borrower to appeal a denial regardless of when the application was received. Given the evidence of widespread servicer errors related to denials, states should consider providing borrowers with broader appeal rights for borrowers who meet the state’s application deadlines. Procedural Rules regarding Borrower Outreach and Denial Letters: The CFPB also requires outreach to borrowers about loss mitigation programs and denial notices. States should adopt the CFPB outreach procedures, but should consider adopting California’s more detailed denial notice, which provides greater transparency and information to borrowers. States Should Also Give Borrowers the Ability to Prevent Unlawful Foreclosures Dual track restrictions are intended to prevent unnecessary foreclosures. This goal cannot be effectuated fully by the CFPB rule alone, however, given that the law under which the rule was implemented, RESPA, does not allow borrowers to actually prevent a foreclosure sale when servicers violate the rule’s requirements.4 States, therefore, should adopt dual track rules (as outlined above), and then also provide borrowers with a right to seek an injunction (in non-judicial foreclosures) or raise a defense to foreclosure (in judicial foreclosures), for a violation of these rules. This will allow borrowers to put a pause on the process while the servicer considers the borrower for foreclosure prevention alternatives as required by the rules. This protection ensures that borrowers receive the full benefit of the dual track restrictions to prevent unnecessary foreclosures. http://www.responsiblelending.org/mortgage-lending/policy-legislation/states/2013-crl-and-consumers-union-joint-state-foreclosure-recommendations-final-february.pdf
Wells Fargo Will not help with 8.3/4 interest rate because I am currentWells Fargo has a well-documented history of abusing customers seeking mortgage modifications, racial discrimination and peddling faulty mortgages that led to the financial crisis. Now a lawsuit has brought to light a 150 page manual used by the bank, that attorneys say provides a step by step instructions for Wells Fargo lawyer’s to fabricate documents in order to illegally foreclose on millions of homeowners.
Wells Fargo: Stop Foreclosures & Pay Us Back!Wells Fargo has a well-documented history of abusing customers seeking mortgage modifications, racial discrimination and peddling faulty mortgages that led to the financial crisis. Now a lawsuit has brought to light a 150 page manual used by the bank, that attorneys say provides a step by step instructions for Wells Fargo lawyer’s to fabricate documents in order to illegally foreclose on millions of homeowners.
Wells Fargo : Stop the Wrongful Foreclose Actions Against Betty WallaceThis was the first home my Mother purchased on her own. From day one Wells Fargo lied to her concerning their involvement. She was laughed at when attempting to make her first payment to the Bank she believed held the mortgage. She made her payments. Including one for .01 using western Union. In her words in 2008, "They took all my money and now they are taking my house" Wells Fargo attorneys continue to lie in written statements to the Court. They have caused my Mother severe Depression which the Court has held against her. They have added to depression and loss of work on my part as well. I feel they should be charged for every time we both have had to hear, "If you made your payments they would not have done this" The Payments were made and they did this anyway.
Save Spiegel HouseThe Spiegel children on behalf of Terry and Gale Spiegel are asking everyone to please sign this petition. Terry and Gale Spiegel are being wrongfully foreclosed and threatened to be evicted from their home on TUESDAY MAY 6, 2014. The effects of Wall Street and national foreclosures of millions are affecting one more, the Spiegel's. Their mortgage loan was part of sloppy practices and loan servicing errors, which now have us in this dyer situation. Terry and Gale had their house in litigation for two years. During that time the bank has refused to come to a resolution and not willing to negotiate. If you have ever been to the Spiegel home, you know you are always welcomed with the warmest hearts. "Please, open your heart and help us, save our home" Gale Spiegel. "You work so hard to provide a roof over your head for your family and now it's getting taken right out from underneath" Gale also states. The five Spiegel children are asking you to sign this petition for our parents. We were raised in this house and have shared so many memories that we want to continue. As most of you know, our "already huge family" keeps growing. We never thought we would see our family in this situation, but after doing our own research we are realizing we are not the only ones. Bank injustices and wrongful foreclosures NEED TO STOP!!! Please stop this from happening by signing this petition!!! SAVE THE SPIEGEL HOUSE!!!!!!
Wells Fargo: Give Me My House Back!This is was my house. I was a victim of predatory lending and received a "pick-a-payment" loan. I fought for two years to save my home, but Wells Fargo played all their games to avoid giving me a modification. I hired an attorney from California to help me, but he was unable to postpone the foreclosure. My house was foreclosed on in October of 2011, and in August 2013 I was evicted. I want Wells Fargo to do the right thing and give me my house back.
Wells Fargo: Keep Yolanda Andrews in her Home.For the past 3 years I have submitted one modification application after another, only to be given the runaround by Wells Fargo. My husband and I love our little dream home and we can afford to pay a mortgage, but Wells Fargo wants to drive us out into the streets. Help us save our home and stay in our community where we've lived for the past 12 years.
Wells Fargo: Stop the Foreclosure & Approve The Vellanoweth's Request For A Loan Modification!In 2007 our family purchased our first home in the city of Whittier. Unfortunately, due to the financial housing crisis our home depreciate in value. We struggled for a while applying for a modification but were refused several times. In 2011, we refinanced our home using a HARP refinance which alleviated the pressure for a while, but it was not enough. In 2012, both my wife and myself were laid off from our jobs of twelve (12) years. We were both able to secure employment but struggling because our income was reduced by 50%. We applied for a modification again and were denied. Unfortunately, I was laid off for a second time and fell behind on payments. Wells Fargo has refused to modify our 2nd mortgage claiming that my income to debt ratio does not fall in their guidelines to modify my loan. Wells Fargo has a well-documented history of abusing customers seeking mortgage modifications, racial discrimination and peddling faulty mortgages that led to the financial crisis. Now a lawsuit has brought to light a 150 page manual used by the bank, that attorneys say provides a step by step instructions for Wells Fargo lawyer’s to fabricate documents in order to illegally foreclose on millions of homeowners.
Wells Fargo reduce my Principal BalanceWhen we were house shopping almost 20 years ago it took us 2 years to find the right house. When i walked in to see this house I new it was the house for us. It was the perfect house. My children each picked their owen room. The back yard had trees and we even decided where to build the tree house. The kids thought about having a lemonade stand and riding their bikes on the side walk. In this house many celebrations took place it has always been the place where family would meet. For Thanksgiving, Christmas ,Easter,Mother's Day, Father's Day, Birthday's, Sad and Happy day's. We have maintained the house and fixed it up threw the years. In 2001after suffering from back problems and a degenerated disc i underwent low back surgery. What was suppose to be 4-6 week recuperation it turned out to be failed back surgery and had to undergo more back surgery. As a result of that i lost my teaching position and had to go on disability and thats when all my hardship started. i had to fight and go to NACA to help me with a Refinance, Modification and now a Principal Reduction. I've done everything to keep my house. I've stayed over night at NACA events.I've cried many times just trying to figure out what to do next. I've suffered from anxiety, and panic attacks. Wells Fargo just seems not to care about us. What i had to go threw and they are still not helping with this situation. They put me on a 40 year term in 2010 and I've lived here 20 years that equals 60 years. When will this end? I'am upside down on the mortgage and they refuse to give me a principal reduction or accept the available funds from the hardest hit. One thing for sure i will not give up because this is not just a house This is my HOME that i intend to keep.
Wells Fargo stole our home and we want it back!!Wells Fargo has a well-documented history of abusing customers seeking mortgage modifications, racial discrimination and peddling faulty mortgages that led to the financial crisis. Now a lawsuit has brought to light a 150 page manual used by the bank, that attorneys say provides a step by step instructions for Wells Fargo lawyer’s to fabricate documents in order to illegally foreclose on millions of homeowners. You are throwing innocent men, women, and CHILDREN out of their homes and it needs to stop NOW!
Wells Fargo: Keep Roxanna Zamora and her family in their home!My name is Roxanna Zamora. My husband and I bought our home in Whittier, CA in 1994 and have raised our two children, Rusty and Keilani there. Now Wells Fargo is trying to take the only home my children have ever known. In August of 2007, my husband and I made the difficult decision to end our marriage. I left our home, and shortly after that I was diagnosed with stage four breast cancer. Over the next several months, I underwent two rounds of chemotherapy, a double mastectomy, and aggressive radiation twice a day for four months. In February of 2008, I was awarded the house in a court judgement and returned to my home cancer free. Only then did I find out that my husband had stopped making mortgage payments and our loan was in default. I immediately contacted Wells Fargo to try and resolve the problem and see what I could do. I was met with a total lack of sympathy for my situation, and an unwillingness from Wells Fargo to work with me. After fighting for my life, and ended my marriage of 18 years, I was now the sole provider for my two children and our home. For years I have gotten the run-around from Wells Fargo trying to get a loan modification. I was approved for and completed several successful trial loan modifications, but Wells Fargo refused to make it permanent every time. I was told that in order to get approved, that I needed to present a divorce decree. Although my marriage had ended, my husband and I delayed filing for divorce while I was battling cancer so that I could remain on his health insurance plan. I tried to explain this to the bank, but they didn't care. They basically gave me a choice- my health insurance or my house. I chose the house because without it my children and I would have nowhere to go. Unfortunately things didn't end there. After the divorce, Wells Fargo still continued to drag me along and deny me for a modification for one reason or another. I've tried everything- I filed for bankruptcy, worked with NACA, applied for Keep My Home CA. Nothing seemed to work, and now Wells Fargo has scheduled a foreclosure sale for April 20th. I have been through years of mental abuse, stress, anxiety, depression, panic attacks, and even had suicidal thoughts from dealing with Wells Fargo, but I'm not giving up now! I will not leave my house of 20 years. What I need is for Wells Fargo to give me a fresh start- a fair loan modification reduces my principal and interest, and removes the years of added fees and arrears that have accumulated while I've been in this fight. Wells Fargo has a well-documented history of abusing customers seeking mortgage modifications, racial discrimination and peddling faulty mortgages that led to the financial crisis. Now a lawsuit has brought to light a 150 page manual used by the bank, that attorneys say provides a step by step instructions for Wells Fargo lawyer’s to fabricate documents in order to illegally foreclose on millions of homeowners. Despite all this Wells Fargo will be celebrating its record as the country’s most profitable bank at its shareholders meeting on April 29th in San Antonio. Home Defenders like me are organizing to deliver a message that these predatory practices have to stop. Please sign my petition, and demand that Wells Fargo do the right thing for my family and all the others that are at risk of losing their homes.
Wells Fargo: Stop Foreclosures & Pay Us Back!Wells Fargo has a well-documented history of abusing customers seeking mortgage modifications, racial discrimination and peddling faulty mortgages that led to the financial crisis. Now a lawsuit has brought to light a 150 page manual used by the bank, that attorneys say provides a step by step instructions for Wells Fargo lawyer’s to fabricate documents in order to illegally foreclose on millions of homeowners.
Wells Fargo: Stop Foreclosures & Pay Us Back!Wells Fargo has a well-documented history of abusing customers seeking mortgage modifications, racial discrimination and peddling faulty mortgages that led to the financial crisis. Now a lawsuit has brought to light a 150 page manual used by the bank, that attorneys say provides a step by step instructions for Wells Fargo lawyer’s to fabricate documents in order to illegally foreclose on millions of homeowners. Despite all this Wells Fargo will be celebrating its record as the country’s most profitable bank at its shareholders meeting on April 29th in San Antonio. Home Defenders are organizing to deliver a message that these predatory practices have to stop.
WELLS FARGO DONT EVICT SENIOR C.C. FROM HER HOME!I am a survivor of workplace violence! But I am fighting back against Gov.Pat Quinn and State of Illinois who do not protect working women from Skinheads violent Temps. These Temps take State Workers jobs and don't have permanent work status. Mr. Quinn does not protect working women from sex harassment by a Bully Boss he helps to transfer 6 times to hide from his accountability for his actions!. I need your help to tell Wells Fargo/HSBC I have a Human Right to housing! I need your help to tell Mr. Quinn you cant take away my human right to workplace safety! I want an opportunity for Justice! Justice delayed is Justice denied. We all have a right to housing and fair, equal treatment in our workplaces!
WELLS FARGO, DONT EVICT THIS MILITARY WIDOW AND HER GRANDCHILDRENMY HUSBAND DIED IN MINE AND MY DAUGHTERS ARMS IN THIS HOME, THIS IS HIS FINAL BREATHING PLACE. IT IS MY GRANDDAUGHTERS HOME THE ONLY ONE THEY HAVE EVER KNOWN. IT IS MY CHILDRENS HOME, 2 ARE STILL HOME 22 AND 17. AND IT IS MY HOME. IT IS MEMORIES, IT IS LOVE, IT IS STABILITY. IT IS SO IMPORTANT TO ME TO BE ABLE TO STAY IN THE HOME WE LIVED IN TOGETHER. IT IS OUR PLACE TO FEEL HIS ARMS. HIS SPIRIT WATCHES OVER US IN THIS HOME. PLEASE PLEASE ALLOW US TO REMAIN IN THE HOME THAT HOLDS OUR MEMORIES OF MY HUSBAND, MY CHILDRENS DAD AND MY GRANDCHILDRENS PAPA.
Wells Fargo: Stop Giving Me the Runaround. Don't Foreclose!My name is Mary Thomas. Have you ever had a dream that you thought would never occur? My dream was to own my own home. I was paying the same price living in an apartment as my mortgage payment would be—so I stepped out on faith. Taking that step was one of the happiest moments of my life. I love my home, my neighbors, and the community. In January 2009 I was laid off from my job of thirteen years. I had money in savings, a good credit rating, and the ability to continue paying my mortgage. I found a new job in April of 2009. Things were looking good—I had kept up with payments and I was again employed. Unfortunately I was laid off again in August of 2009. The good news was that I regained a position in October. Things were looking up! But sadly, I was again laid off in April 2012. I was able to get some funds from Unemployment Compensation. I worked a variety of jobs part time and took temporary positions whenever I could find them. This situation has resulted in two bankruptcies. I ended up in the hospital twice due to stress. I have attended every workshop I could find to help save my home—NACA, NIC, Wells Fargo Workshop, and Georgia HomeSafe. I have tried to work with Wells Fargo to keep my home. They have given me a run around that wasted my time and contributed to my stress. They have requested and received paperwork from me multiple times, changed the rules to quality for loan modification, and lied to me about the process. I have now been denied four times—I am running out of hope. I have been working again since July 2013. I want to pay my mortgage. However, Wells Fargo has informed me that my home will be auctioned off the first Tuesday in March. I need help. I need a loan modification and time to get caught back up. Please sign my petition—I am running out of options.
WELLS FARGO: KEEP THE SANTORO FAMILY IN THEIR HOMEHi my name is Tony Santoro and my wife, Ladora, and I are fighting to save our home. In 1976 my wife’s parents purchased the home we now live in. Many of the neighbors my wife grew up with are still our neighbors today, including my wife’s best friend since childhood who is still a big part of our life. Our house has been in our family for almost 40 years and is filled with countless and priceless memories. My wife and I have raised our children in this house, just like her parents raised her. This house is truly a member of our family. This house and our neighborhood have been central in our lives as far back as we can remember. The house was brand new when my wife’s parents purchased it. Their family, and now ours, have been the only family to live in this home. My wife even remembers playing outside before the interstate was built nearby. Sometime ago there was a devastating fire. My wife’s parents worked hard to rebuild the house after the fire. We almost lost the house then and we do not want to lose it now. In the mid 1990’s we bought the house from my wife’s parents. We have been living here happily with our dog, pet turtles, and frequent visits from our three daughters and grandchildren. Our house is truly in the perfect location for our family. Not only are we close to everything we need but we have close friendships with our neighbors, many of whom have watched my wife, and our children, grow up. We have never had difficulty keeping up with our mortgage until one year ago when tragedy struck our family. In that time I lost my job as a manager at a local restaurant and a family member passed away suddenly. My wife’s parents spent their life savings to pay for the funeral but it was still not enough. My wife stepped in to cover the rest of the expenses or else the loved one who passed would have had a state burial and she wouldn’t hear of it. This year has been extremely devastating for our family. The loss of my income and the expense of the burial made it difficult for us to keep up with our bills. My wife is a full time manager at Waffle House and had to take another job at McDonalds to try to cover all our expenses. She now works over 70 hours a week and it is still not enough for us to get caught up. We have been doing whatever we can, even selling our vehicles, but it is still not sufficient to keep us afloat. Now we are facing foreclosure by Wells Fargo. If we lose our home we will have nowhere to go. My wife loves spending time with our family, especially our grandchildren, but working over 70 hours a week means she hardly has time to do anything but work and sleep. My wife has a big heart and will help anyone in a time of need. We are able to pay a mortgage if Wells Fargo would work out a deal we can afford. Please help us in our time of need by signing our petition and demanding that Wells Fargo work with us to keep us in our beloved home, the only home my wife has ever known.
WELLS FARGO: STOP THE SHERIFF SALE AND KEEP MY 86-YEAR-OLD MOTHER IN HER HOME!My mom wants to live out her life in the house she's called home for over 12 years, surrounded by those who love her. We have been trying to negotiate with Wells Fargo in good faith and it's time for Wells Fargo to do the same!
Wells Fargo: Keep Akiko Moore in Her HomeMy name is H, Akiko Moore and I am fighting to save my home in Sparta, New Jersey. . The story of my home truly begins in 1974, when I moved to this country from Japan, I began as a live-in nanny in California while taking English class I met MR Moore and having his child, he was not with me, and he didn’t know, I had locate him and work as dishwasher with big Tommie, same night I had to go hospital for delivery my child, We backed together and had 2 other daughter but my husband passed away on 1986, too soon to away from us. Since then I’ve worked hard to provide for my 3 daughters, a responsibility left solely up to me then became an in-home child care provider when my children were young. My mother and sister in Japan helped me to buy my first home in California 1990, As the girls grew up I was able to get my real estate license, In the late 1999 I opened a small hand dipped chocolate and gift shop called ‘sweet temptations’ My little shop I had to close after economy crashed 2004. Now, I’ve lost everything. The home in California, foreclosed on me soled to public, but I am still disputing in court. One of my daughters moved to New York for her career and for Junior College. In 2005 and needed my help buying a home with her friends. Using the equity I had from my home in California, I helped a down payment and signed for a mortgage with Countrywide on a beautiful home in Sparta. Although my her friends had agreed to pay the mortgage monthly, after 2 months half they simply stopped paying all the bills associated with the house. My daughter moved out shortly from Sparta house for CA. To make matters worse, couple lived house went on a vacation in the middle of winter on valentine’s day in 2007, leaving the pipes to freeze and burst and causing tens of thousands of dollars in flood damage, the water bill, I didn’t find out about until many months later when I was still in California. I had to trying to evict them, but the legal battle took 3 years before they were finally forced to leave. They paid me only 2 month by the court order but quit pay rent and stayed long as they can.. I had to move to New Jersey on 2008, renting out my California home. Could not keep paying both mortgages, took long time to evict them, sometimes I had no place to stay and frequently ended up sleeping in my car, but I paid both mortgage on time. Even though I refinanced in 2007, World Saving/Wachovia/Wells Fargo. In fact, Wachovia took one-third of the insurance money from 2007 the flood claim! I sent notice demand, if not release one-third of insurance settlement mortgage payment will be full paid mortgage, Wachovia defaulted to respond in 35 days so I stopped to them any payments, then Wells Fargo start to foreclose on me on 2010, I am fighting because, I am about to lose this home in New Jersey, all I have left of the life I’ve built over nearly 40 years. Attorney for the bank filed “Writ of Execution”, before Final Judgment signed, submitting to the court and sheriff department, She is trying to stop sheriff’s sale right now. Please sign and share my petition and help me hold onto the only home I have left.
Tell Wells Fargo: We Demand Justice for Jim OakmanJim Oakman and his son live in the house that Jim was born and raised in in Fishkill, NY. It’s been in his family since 1960. Since buying the house in 2002, Jim fell on hard times during the recession caused by the big banks. Like so many other people, Jim was laid off the job he had been working in for 12 years. Since then, Jim has continued to work and make sacrifices to hold on to his home. His new job provides enough income for a federally administered HAMP modification. Jim has spent the last year submitting modification applications half a dozen times. He’s a perfect candidate for this modification program designed to get hardworking homeowners back on their feet. But at every turn Wells Fargo has refused to work with Jim. Wells Fargo would rather have Jim and his son out on the street than in his community. The solution is simple: keep Jim Oakman in his home with the modification that he qualifies for. Join Nobody Leaves Mid-Hudson in demanding that Wells Fargo say “yes” to a modification, and “no” to another vacant home in the Hudson Valley. We demand justice for Jim Oakman.
Help us keep our home!Our home is being taken from us and we don't even understand why. We have held good to everything we said and paid the rent on time. We had no idea that the secretary was going to run off with the money! All the little children the neighborhood loves coming to our home to play with our four children. We help the neighbors cut their yard and try to keep the area safe. We got the house as a fixer upper and we have been making steady improvements. We all need this house especially the kids!
WELLS FARGO: Stop Foreclosing, Stop Evicting; Negotiate w/ Springfield Wells Fargo Families NOW!We have come together to unite collectively, because we’ve had enough of Wells Fargo’s policies that are destroying working class communities and communities of color. Wells Fargo’s impact on our communities has been caused by aggressive marketing of predatory and subprime lending, discriminatory lending practices, and a refusal to work with families to avoid foreclosure. Wells Fargo says publicly and in advertisements that you care about keeping communities stable and helping families, but many others and we have encountered countless roadblocks and dead ends in trying to work with Wells Fargo. Across Springfield, MA - and across the country- Wells Fargo is foreclosing and evicting families instead of working with them. Wells Fargo has foreclosed on more families than any bank other than Bank of America. We are residents, both homeowners and tenants, who live in homes whose mortgages or deeds are owned by Wells Fargo. Due to the actions of Wells Fargo and other big banks, our homes are underwater and our communities are infested with vacant homes. Each of our families, like many others across the country, can pay and are willing to pay for our homes at a fair price, but Wells Fargo refuses to work with us.
JUDGE MARTINEZ, PLEASE RULE ON THE CONSTITUTIONALITY OF COLORADO'S STATE FORECLOSURE LAWSBy signing this petition you can help all facing unjust or fraudulent foreclosures in Colorado and the rest of our nation! Judge Martinez and many other Judges are starting to recognize the people are being victimized by unjust & unconstitutional foreclosure laws. To avoid setting legal precedent, before our Judges can make a ruling, the banks are withdrawing cases or settling with the plaintiff if it looks like they will lose. Our judges have the right to continue cases if they can show that other individual members of the public are interested in the decision because it bears upon their individual rights. Please sign this petition so that when it is sent to our judges they can prove that legal argument and justify continuing these cases brought against the banks. THIS IS OUR CHANCE TO STAND UP TO THE BANKS AND STOP UNJUST FORECLOSURES! PLEASE SIGN AND SHARE WITH FRIENDS. For more info on Lisa Brumfiel's case please visit libertylisa.com
Wells Fargo Don't Evict Our FamilyDear Mr. Stumpf, Cuando nacio mi nina al ver que iba ir creciendo ella iba a necesitar espacio para jugar y en el apartamento no lo iba a tener, me sente a platicar con mi esposa, que por que mejor no comprabamos una casa y pues a ella le encanto la idea, fue entonces que decidimos comprar una casa, cuando nos mostraron esta casa en donde estamos viviendo nos encanto y ahora estamos muy a gusto en ella .Y ahora nos quieren hechar de ella. En realidad cuando llegamos a habitar la casa los ve- cinos nos dieron la bienvenida nos sentimos tan bien que no podiamos creer que en realidad teniamos casa somos muy felices en ella. Nunca hemos tenido problemas con nadie incluso los vecinos ahora son nuestros amigos. Y no voy a volver a tratar de empezar mi vida en otro lugar.Yo pague mi Hipoteca durante 9 anos, y en estos anos nunca refinanciamos si no es por que perdi mi trabajo en Julio del 2009, no estuvieramos pasando por esta situacion. Al ver que no iba a poder pagar la casa pedi ayuda a Wells Fargo Home Mortgage para que me ayu- dara a modificar mi hipoteca la cual no me quisieron ayudar tuve que ver a una persona que me ayudara en lo que yo encontraba trabajo y seguir pagando la casa. Despues de tres meses encontre trabajo tengo dos trabajos y si puedo seguir solventando la casa. Pero empezaron a llegar otra vez cartas en donde nos decian que la casa iba a entrar en Foreclosure ahi fue donde empezo mi preocupacion la persona que nos iba ayudar nada mas nos ayudo a sacarla del Foreclosure y no me hizo la modificacion pero bueno De ahi continue haciendo los pagos hasta que en marzo de 2011. Aun asi segui pagando el mortgage, a pero para esto ya me habian aumentado el interes, el pago y el principal. Pues ya no podia seguir haciendo los pagos pues subio mucho el interes. Pero seguia mandando los mismos pagos que estaba haciendo hasta que el banco me rechazo el pago Asi tuve que pedir ayuda a una Institucion la cual me ayudaron por que la casa entro otra ves en Foreclosure y de ahi todo iba bien lograron sacarla del Foreclosure pero no se si esta persona siguio continuando por que yo le hablaba por telefono y ya no me contesto fui a verla varias veces a su oficina y siempre me la negaron me empeze a inquietar y eso ya no me estaba gustando hasta que empezaron de nuevo a llegar cartas en donde me decian que la casa iba a entrar a la venta me sorprendi mucho porque yo confie en ellos, porque supuestamente esta institucion me estaba ayudando y al ver que ya no hizo nada pues me siento muy triste y desesperado. Ahora nos dicen que tenemos que dejar la casa nosotros no queremos dejar la casa queremos seguir viviendo en ella, seguimos pagando los servicios estamos viviendo en ella. Mi nina esta creciendo aqui en la casa, esta muy contenta y encarinada con ella, con sus amigos, su escuela, los vecinos. Estamos muy arraigados con la comunidad no podemos dejar todo esto que por lo que he luchado junto con mi familia no es facil ni es justo. Exijo una negociacion justa para poderme quedar con la casa por favor tome encuenta mi peticion. ATENTAMENTE ARTURO y OLIVIA GARCIA
KEEP MICHELLE PARDO IN HER HOMEAdmit the obvious FRAUD within my Loan Modification, delay my possibilities of losing my home. I have Multiple Sclerosis and fighting for my life with cancer as well as having a bome marrow transplant that begain your false ways of modifying a loan. My deed and title of my home was originally issued in 2002. In 2011, I received the life saving bone marrow transplant and asked for a special foreberance. Wells Fargo granted me the foreberance BUT FAIILED to apply 2 out of the 3 months of payments to my loan but did however apply to a different mortgage obviously NOT MINE. . The payments I paid on or before the specified due date for the 3 month foreberance, to call and ask where my paperwork was for me to sign for my new payment amount and adjustments, YES I was told I did not make my 2nd payment and my home was foreclosed. Well after 34 phone calls to customer service representatives failed to see this simple error. The payments were made through WESTERN UNION, quick collect. I finally must of hit a glitch and got an agent trying to collect a debt and anything obtained in the phone call would be used to collect the debt. This Wells Fargo representive seen the error in which 33 other trained debt collectors could not find. The representive at the end of the line urgently put me on hold. Eventually the error was found and the home loan needed to get recinded, meaning an invalided foreclosure sale of my home occurred. It took over 9 moths of time for the WF error to be fixed with my local county trustee. So after getting my home back I got my new paperwork with a stamp date of 2010 loan amount correct I signed and returned my paperwork to receive my mortgage statement with an additional 42,000.00 tacked on to the end of my mortgage. WHAT NOW! After months of trying to get justification of the additional funds, I was told that to get this modified I would need to fall behind on my mortgage by a minimum of 3 months. After 2 months the modification process started. One representative said send the documents, I followed along with this loan preservation FHA representative for 10 months. The delays I was concerned saving all my payments to only hear nothing? I received another document on needing all my paperwork again, this had a different home preservation specialist. I called the modification was now being told I had to rewrite, resend, adjust, to hear I was declined I made to much money and should however paid the payments. I was furious. During the modification June 2012 an water intake pipe broke in my home on the upper floor causing damage to my main level, my basement and so awful my kitchen was not functional. I made a claim with my insurance and they followed any and all procedures, this included sending me repair checks to get my approximately 56,000.00 dollars in the end. The insurance by law writes the check to myself and my mortgage servicer. I followed the procedures and went to get a signature from Wells Fargo on one of the several checks that were to be issued. Wells Fargo refused to sign the repair checks, the big bank stated I was in foreclosure? I was In a modification process? How was this possible? After awaiting for over 4 months for the process to get started, although water extraction had been completed my home started to grow mold. I tried to get Wells Fargo to sign the checks, the big bank wanted me to send the check to them with my signature. I sent them a check without my signature due to the fact they said I was in foreclosure, I never heard from them again. After finding out this mold was 10 times over the normal mold limit and now my home was in need of immediate construction the mold was now black mold. There was no choice as what needed done, the money put back for the house payments during the modification which Wells Fargo delayed for so long. The community started helping with the repairs, then later found additional damage, this was the furnace. Replacement cost was over 5,000 dollars. I was sitting at home on Christmas Day the temperature was 44 degrees this was using the dryer to try and keep the additional pipes from bursting and causing even more damage. The furnace was made functional by a local plumbing and heating company. Upon further research Wells Fargo pulled this on several other families, those other families gave up. I refuse! Wells Fargo in 2008 took my mortgage out of the MERS system, and according to a MERS representative my home was not put back in any mortgage registry. In 2010 Feb my deed of trust was signed by a John Kennedy assistant secretary of MERS? This John Kennedy is also the VP of loan documentation as well attorney in fact. My deed has a well known signature that is fraudulent. I was alo sent a check for the foreclosure for 300.00 from our Federal Government per the lawsuits for foreclosure. THIS CHECK BOUNCED FROM THE FEDERAL BANK. REALLY
To all Bankers reduce home principals now!It is important that we keep fighting the banks and not give up. If we give up, they win and will continue their evil practices of writing the laws, packaging our homes and selling them on wall street, raise prices on us, make us live off of less money, and continue to pay off and manipulate our politicians who are corrupt as well. We must educate ourselves and the public and continue to fight, otherwise, they will manipulate the market so they can get richer. Iceland arrested the bankers, kicked them out and now their economy is thriving again.
Sign the Petition to Stop the eviction of S. Baxter JonesSee the video of S. Baxter Jones: http://moratorium-mi.org/eviction-defense-of-s-baxter-jones-video/ S. Baxter Jones, a Detroit school teacher for over 20 years, faces eviction by Fannie Mae, owned and controlled by the Federal Government. He suffered traumatic brain injury in 2005 and is now a person with severe disabilities. Unable to work for almost two years, Mr. Jones depleted his sick bank fund and life savings forcing him to return to work prematurely with an undiagnosed traumatic brain and spinal cord injury. In 2010, the injury was finally diagnosed , and in April 2010, Mr. Jones received a family medical leave approved by Detroit Public Schools. In July 2010 while on summer break, he was unjustly fired by DPS, which was under the control of Emergency Financial Manager Robert Bobb, because he could no longer fulfill his work related education and re-certification requirements! Mr. Jones fell behind on his mortgage while waiting for Social Security and his pension to be processed. He wrote to Wells Fargo explaining his situation and had a phone conference with them to discuss a loan modification. Wells Fargo refused to work with Mr. Jones and went ahead with foreclosure, even though he started receiving Social Security benefits. He faces imminent eviction from his home where he has lived since 2002 in Jackson, Michigan. What makes this even more outrageous is that Mr. Jones’ loan was sold to Fannie Mae which has been taken over by the federal government in 2008, in order to avoid a complete collapse of the banking system.. That means our tax dollars are being used to throw this former school teacher with disabilities into the street. Call Wells Fargo and Fannie Mae. Demand they stop the eviction of S. Baxter Jones and work with him to modify his loan with a principal reduction to current market value and a low interest rate so he can stay in his home. Call Senators Debbie Stabenow and Carl Levin and ask that they pressure Fannie Mae to stop the eviction of S. Baxter Jones. Refer to: LOAN # 025 301 6042; ADDRESS: 8789 Rexford Road, Jackson, MI 49201 Fannie Mae Chicago Office: 312-368-6200 Fannie Mae Mortgage Help Center: 866-442-8572 Wells Fargo Office of Executive Complaint: 800-853-8516 Senator Debbie Stabenow: (313) 961-4330 Senator Carl Levin: (313) 226-6020 for more information: Call Moratorium NOW! Coalition to Stop Foreclosures at (313) 680-5508 – peoplebeforebanks.org — moratorium-mi.org
Friday March 15th Eviction of The Broken Angel! Artistic Landmark in BKI saw my friend Arthur today. He is 84. He built the Broken Angel in Bedstuy and after 6 years of fighting the courts he has been evicted from his home. This Friday the sheriff comes to close the deal and I want to throw a big block party to commemorate his monumnetal presence in the neighborhood. http://lovewerk.tumblr.com/ http://en.wikipedia.org/wiki/Broken_Angel_House In 2006 Arthur , his son Chris, and his wife Cynthia came back from lunch to part of their home being on fire. The back tower. The fire dept. couldn't fight the fire from the inside the building and had to use the ladder, which brought in the building Department who declared the structure not up to code. The Woods were arrested for a violation of an eviction notice and told that if they entered their house again they would be arrested. Arthur and Cindy Wood lived in a VW bus in the 8 lot of their property to avoid arrest. They were in their late 70s at the time. The Council woman Laticia James, who in the guise of doing something good for the situation, set Arthur up with Shaun Andersen a real estate developer with an interest in the neighborhood. This turned out to be a very bad partnership. The bank, Madison Realty, gave a 4 million dollar mortgage loan to The Broken Angel LLc, a partnership between Shaun Andersen and the Woods. The loan was supposed to be to bring the building up to code and turn it into condos. $50,000 was given to the LLC every week, which never made it past Shaun's office, except for a few things like a steel staircase and demolition of the top floors. They emptied the building and Shaun Anderson forged documents that said he paid Arthur Wood more than $800,000 for the #8 lot. They did not sign these documents and this money was never given to the Woods. Despite these injustices, the money in the loan ran out and the bank called in the mortgage as a foreclosure. Anderson, Madison Realty and Arthur Wood have been in court in regards to this matter for the past six years. After various appeals and new cases, Arthur has run out of options on his eviction. He has been give a final date of March 15, 2013. Despite his efforts to bring attention to his cause, he has met unsympathetic coverage, the Daily News mocked his case last Sunday saying the neighbors think his house is an eye sore...When standing on the street today hanging out with the neighbors they had tears in their eyes. Prominenty featured in David Chapelle's love letter to BK "Block Party" I would love to have media, friend music whatever present to show the City and whoever else cares that this man is loved and deserves to stay in his home that he built! If you don't think this pertains to you think about all our futures and the houses we buy.. boosting dying neighborhoods,towns,and cities (ahem..) and after you put 40 years of love into something have some developers give you a bad deal and kick you out of your home at 81. If your into humans vs. money and making your dreams come to life... C'mon and share some love on Friday! Even at 81, he was cutting up his artwork with a circular saw to fit it through his door today so he could stick it in a Uhaul. He makes star gazing chairs, beautiful paintings, mechanical furniture...the basement where he made a huge fireplace had a waterfall that flowed in a sheet of water infront of the fire... and when you go take a look the seating area in front of the fireplace. There are two butt imprints one is of Arthur's and the other of Cynthia who died of cancer 2 years ago in the midst of this mess.
Wells Fargo: Turn This Home Over To A Community Who Cares29,000-39,000 children are homeless in Minnesota every night. Over 150,000 homes have been foreclosed in Minnesota, alone, since 2006! That is over 150,000 families who had to leave their communities behind and move. Minneapolis schools have lost 150,000 million dollars in public funding as a direct result of the foreclosure crisis. Yet, even after the bailouts, we are still having to pass legislation like the Home Owner's Bill of Rights through the Minnesota State Legislature to stop horrible banking practices like dual tracking, which is when the bank tells the homeowner that they are modifying the loan, while simultaneously selling the home in a sheriff's sale.
Bank of America; Don't evict Rev. Becky Neph and Homeless Veterans from their home!We are Othila Inc. a non-profit church that shelters Veterans who are homeless, we have a community garden that fed 23 families last year. We have a Nature Sanctuary, with a Nature Trail ,built by returning combat Veterans.We have 40 members, who volunteer to help Veterans and their families, this is a Sacred place, where those who have lost Hope, come to Heal Their Spirit, and through Supportive employment, find residential stability, and Spiritual guidance. Please help us!
Wells Fargo: Don't Evict Me From My HomeI've lived in this home since I was 4 years old. My parents now both deceased, bought this home for our family. My father was the surviving male of his siblings before he passed away in 2009 and my mother was the surviving female of her siblings before she passed away in 2011. I first lived in this home in 1979 and I want to continue living in this home. This home has plenty of memories and is the only legacy I have from my late parents and I don't want to lose it. "This is my one and only home and I don't want to lose it." I currently have renters renting in one part my house and I want to have them continue renting in their current place. I already have setup in one part of my home in wanted I to be a future recording/production studio and current gathering area for my guests. So many people have already lost their homes and I shouldn't be one of them.
Keep the Ponce family in their homeThe Ponces qualified for a HAMP modification. They made all their temporary HAMP payments as scheduled. They were promised a permanent modification. Several months after signing the paperwork, they noticed an error. After trying in vain to get Wells Fargo to correct the error, they were advised by the bank to reapply. "We did everything they asked us to," said Alma Ponce. But while the Ponces were reapplying--the modification they had already been approved for--Wells Fargo sold their home to an investment company. Suddenly, the Ponces faced foreclosure and eviction.
Freddie Mac is trying to steal my home!WFHM made a joke out of the HAMP Program & blatantly lied about modifying loans! This is not an isolated case or incident. These people have lied to tens of thousands of homeowners, just like yourself! If we continue to lay down, when does it end? Sack up, let's band together and put some sort of stop on the unscrupulous, crooked, unfair and illegal activities of these bank executives!
Single parent family must stay in homeIt is important because I've paid $201,000 toward a home, in mortgage payments, which now appraises at $118K. My home once appraised at $220K. Because my home has lost value due to Wall Street greed, I'm now underwater. I feel it is my right to keep my home. But I cannot unless the bank restructures my loan. Freddie Mac is the owner of the loan. But Wells Fargo is the servicer.
Demand Banks Stop Unfairly Foreclosing on WidowsThe major banks have a policy toward widows who are behind on their payments, sometimes through no fault of their own, that is worthy of Joseph Heller's Catch-22: widows can't get the mortgage in their names until the payments are up to date, but they can't get their payments up to date until their mortgage is in their name. Millions of women who are trying to catch up on payments after dealing with the deaths of their husbands are now trapped; they can't get current and the banks won't work with them to get them current. And then the banks foreclose on them. The New York Times reported on the plight of Geraldine Bates, who lost her husband last year just after her husband entered into a loan modification agreement with HSBC. Geraldine notified the bank of her husband's death and sent in the first check. The bank returned her payment because she wasn't on the mortgage and now is threatening her with foreclosure, even while she continues to try to pay. http://www.nytimes.com/2012/12/02/business/widows-pushed-into-foreclosure-by-mortgage-fine-print.html?_r=0 No one should lose their house like this. Banks need to change their policies and stop trying to kick widows out of their houses for these outrageous reasons. Please sign this petition to demand that the Presidents of US Bank, HSBC, Wells Fargo, and Bank of America end this horrible practice and work with widows trying to make payments and keep those widows in their homes. We'll deliver your signature to the offices of these banks, and we'll send a copy of these to the Consumer Financial Protection Bureau.
Clark Cty Justice Court NV denied Motion for C. Padavan & N. Davidson - must vacate by 01/27/2013.The original homeowners were systematically and intentionally bled of their equity over the course of four years by their mortgage lender, Wells Fargo Bank. After writing numerous letters to State Officials, costly attorney's fees, and trying numerous options to stay in their home their fight is nearing the end. They filed an Answer to the Unlawful Detainer Complaint but they have only ten days to remove all their possessions from their home of 17 years.
Wells Fargo: Don't foreclose on Thomas and Brooke WeedDear Mr. President, and Mrs. Obama: This is our situation. These companies, and banks don't care they shouldn't be allowed to get away with this, it's all about GREED. Please let me know if there is anything you can do to help us. I can't even find out who we really owe the mortgage to. Brooke S. Weed 954 467-8621 Address 1617 S.W. 17 Avenue, Fort Lauderdale, Florida 33312 Hardship Letter Wells Fargo Loan # 1004621512 Thomas J. Weed Our mortgage was originally with Option One. It was then serviced by AHMSI (American Home Mortgage Servicing Inc., their motto on their bill states “Servicing at a higher power!). We knew our payments were too high after we refinanced, the mortgage broker charged more interest than we were aware. We hired a company that “specialized in modifications” AIM Funding Group in Coral Springs, Florida, in April 2009. We paid them $1500. AHMSI (“Servicing at a higher power”) continuously told us that we were missing a paper, or they never got the package, there were numerous excuses. AIM sent the package over and over again. Our file was at least 2 feet thick with all the repeat filings to AHMSI. Finally in December 2009 AHMSI (during the holidays), said all requirements were completed and they would give us the modification and the paperwork would be in the mail to us within the week. Within the week, we got a notice that AHMSI had sold or sent our loan to SLS to be serviced!! AHMSI was totally dishonest with us. (I wondered what “higher power” they were working for). I called SLS and asked them where all our paperwork went and they said they spoke with AHMSI and they couldn’t find anything. I called AHMSI and they said they sent it to SLS. After all that paperwork, spending the money on AIM constantly forwarding more and more redundant information I was told I’d have to start all over again! They should both be ashamed of how they handled our loan, and how uncaring and disconnected to a person paying their interest rates. In December 2009 my husband had a slight stroke. He sold his medical practice to a Dr. Simeon Isaacs (Boca Raton, Florida) in April 2010. The contract stated that there would be a sizeable down payment and monthly payments for 5 years. He defaulted, gave us notes that were due in December 2010, and defaulted on them. He bounced several checks and we were forced to get an attorney which cost a sizeable amount. Without him paying us and because AHMSI was not straightforward with us we were unable to make the payments. Our interest rate was 8 ½ % with a 16 year mortgage, with such a high payment (we were paying $5200 a month in INTEREST only!) it was unmanageable. We sued Dr. Isaacs and have a $650,000 judgment against him which is uncollectible. He proceeded to take all the profits and assets before we could go to court. I started an antique and gift shop in 1999, in 2008 due to the poor economy I had to close my business. In our home we have put in a new bathroom, expensive fences, all new appliances, carpeting, new air conditioner, and thousands of dollars in upgrades. Then my daughter’s husband Hunter, got cancer early in 2011 and died in July of 2011, he was helping us with one of our businesses, and it has been very upsetting and difficult for us all this past year. At 8 ½ % and a 16 year payment plan and the drop in the worth of the house it has been impossible. SLS told me our home was only worth $330,000 earlier this year. When on the phone with Heather I heard it was now $400 and some thousand. With an adjustment of our current home value, a fair low interest rate that is currently being offered now, and a 30 or 40 year mortgage we could make the payments, pay the insurance and taxes, and the worst that could happen is you would get the house back. We don’t mind working two jobs, we have rented a room and we can rent our docks. We are not a faceless family, we are part of the American Dream lost. We have paid taxes for 50 years, it seems that a bank, Wells Fargo, could make some type of adjustment to help us. AHMSI 1 877 304-3100 P.O.Box 631730 Irving, Texas 75063-1730 SLS Heather Korb Representative 303 895-2575 8742 Lucent Blvd. Suite 300 Highlands Ranch, CO 80129