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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: 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.
Keep Ruth in Her Home!Ruth is an elderly woman with a disabled son trying to make ends meet. But her pension and social security checks are nearly equal to her mortgage payments and her house has decrease in value by over 75 percent. But yet, PNC Mortgage would rather take the path of foreclosure then forgive her principal or reduce the interest rates so her payments can be affordable.
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.
LivingInTown Property Services: We Demand Habitable Living ConditionsWhen I moved in and started my 15 month lease in late December of 2013, I wrote "New life. New lease." My roommate and I look so happy in those photos from that day. I wish I had known what was coming. I wish I could have told myself to prepare for the worst. Even if I had known, nothing would have prepared me for the next several months. We would soon learn that signing the lease was the last pleasant experience we would have with LIT Property Management. We moved in and called for the gas to be get turned on. We were told the stove was dangerous and needed gas line repair. I sent an email begging them to fix it. "We are hungry." No one came until weeks later. For the months of January and February, the heat failed. We kept asking and asking for heat and no one came. "We can only do repairs during business hours," they said. The temperature was dropping. Under multiple blankets and seated by single space heater, I sent an email begging for heat stating "it has been so cold several times that the thermostat couldn't pick up a temperature and you could see your breath." The ice storm was coming. They promised us a space heater for the storm. No one came. "We do not have access to your property," they said. We gave them a key. It was a week later that heat was restored. Coincidentally, it was almost Spring. The ice had melted and we had survived the coldest winter that Atlanta had seen in decades without heat. I came home on March 31st, 2014 to an apartment with drywall ripped out. They were apparently replacing the steel galvanized pipes in the apartment building. On April 1st, 2014, I came home again, expecting the repairs to be done on my unit. I stepped inside and heard the splash of water beneath me. My apartment was flooding. I ran to the pipes and saw a gush of water exploding from a pipe. My bedroom was suddenly a swimming pool and everything I owned was soaking. In a flash, I lost everything. No clothes, no computer, no medicine, no furniture. All of it was sitting in water filled with 50 years of debris that was in the walls. I called emergency maintenance. They said someone would be there in 30 minutes. They told me they couldn't resolve all the standing water until the next day. With nothing left to lose, I begged them again to send someone. They reluctantly called for a late night water removal contractor. When they arrived, I said I needed sleep. They asked why I wasn't going to sleep there that night. I didn't know how to respond. They put fans underneath the carpet and said they would be back later. The apartment sat soaking for a week. They never once offered a place to sleep. The smell of mold was overwhelming. I asked my neighbors in the building if they had the same issues. Every single person I asked had flooding and maintenance problems. My neighbors fed me and sheltered me during the day when I looked lost. It was only my community that helped me get through this disaster. With everything that was happening to both myself and my apartment building, I knew what needed to be done. I began to call around. We needed help. We needed a voice. These property managers weren't listening and flagrantly didn't care. The local news did a piece on us headlined Apartment Residents Living in Deplorable Conditions. My friends reached out to Occupy Our Homes. I asked a lawyer for representation to help get me to a safer location. I filed a renters insurance claim to get at least some clothing back. I filed a code violation with the Code Enforcement office. I slept in various places until I found a local community willing to shelter me. I still don't know where I'll be living after this month. The property management company threatened to sue me for failure to pay for April's rent. I don't know whats next anymore. I fight my days hour by hour. The only things I have left are the clothes on my back and an overwhelming sense of resolve to fight for something better. To make my neighbors lives better. To make tenants rights stronger in Georgia. We need habitable living spaces. We need a voice. We need you.
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.
No More Veteran Evictions!My name is Sgt Johnson. After more than 20 years of service, I retired from the Army and bought a home in Lithonia Georgia in May of 2006. I had every Man's dream of retirement. I wanted to enjoy my community, watch the birds at my bird feeder, feed the squirrels, and provide a home for my granddaughter. I had a mortgage through Freemont Mortgage Company, I paid my bills, and was enjoying life. My mortgage was an 80/20 arrangement. 80% of the loan was 30 year fixed. 20% was fixed for 53 months. Apparently Freemont Mortgage sold my loan to Country Wide Mortgage. As we all know, Country Wide went bankrupt and became a part of Bank of America. This was when the trouble started. I was notified that the 53 month 20% portion of my mortgage was now a 15 year loan. I complained about this change to Bank of America and received a letter stating that it was not a 15 year loan by a 30 year loan! Things were going downhill fast. I was unable to get any clear answers from Bank of America. After multiple calls and letters I stopped making mortgage payments in the hope that this would force some straight answers in March of 2011. No such luck. In July of 2011 I received a letter that a foreclosure action was in progress. I hired an attorney. My attorney managed to get the foreclosure delayed but accomplished little else. A letter was allegedly sent to me indicating that foreclosure was again imminent. I never received this letter. The County claims to have sent notification about an eviction hearing--I did not receive that notice either. In May of 2013 the Sheriff's Department showed up at my home with a crew. All my belongings were thrown into the street. The next day I moved my belongings back into MY house and hired a new attorney. My current attorney has file a suit in Superior Court. I have now been served with an Intrusion Warrant--presumably because I moved back into MY home. Bank of America is trying to throw my granddaughter and me into the streets because they don't want to live up to the terms of the original mortgage! This is an intolerable situation. Please sign my petition. Bank of America must learn that they cannot trample on the rights of small borrowers! A career of military service to this country should not be rewarded with eviction!
Nationstar: Don't Evict the Cavaliers!My name is Annie Cavalier. My husband and I, who have been together for 18 years, and married for 15 of those, bought our home in April 2007. Our home has served as a source of stability for our family through hard times. Now Nationstar is trying to evict us on behalf of Fannie Mae. In 2005 I was diagnosed with a pituitary tumor, which caused me to have frequent & severe migraines. My husband was working and able to pay the mortgage, while I cared for our teenage daughter. Then in 2009, he suffered from a heart attack which left him out of work temporarily. In 2010, after feeling sick for several months, I finally went to the doctor to discover that I was 17 weeks pregnant. I had just turned 41 years old. What a surprise! Due to my age and my tumor, I had to have many ultrasounds and tests during the pregnancy. On May 5, 2011, our daughter was born, 14 years and 3 days after our first. She suffered from digestive problems for the first year, which led to many doctors visits and the most expensive formulas. All of our medical bills and the added cost of a new child finally started to add up and we got behind on our mortgage. Then tragedy struck again. My best friend and brother's wife passed away after she suffered from an epileptic seizure in the bathtub, causing her to drown. My brother, who is in the Louisiana National Guard was left to care for their two children. He was frequently called to monthly trainings and hurricane duty, leaving the kids to stay with my family. Nationstar started the foreclosure process when he was deployed overseas and the children were living with us. Because we had legal custody of the children, we were considered a military family and should have been protected from foreclosure while my brother was on active duty. When I told the representative from Nationstar this, she remained silent and said there was nothing she could do. Last year, as our foreclosure sale date was fast approaching, we were contacted by a company that claimed they could help stop the foreclosure and get us a modification if we paid them a fee up front. I did everything that the company asked, and waited to hear back. Several months went by and we heard nothing from them. Then I got a call from our servicer, Nationstar, letting me know that our home was set to be sold on September 4, 2013. With some help, we managed to get the sale postponed, but despite all of our efforts in court, Nationstar sold our home on November 13. On March 18, the sheriff served me with a 3 day notice to vacate. I've managed to hold them off so far, but the sheriff could be back any day. Please sign our petition, and ask Nationstar to stop the eviction and work with our family to keep us in our home.
SunTrust Stop Destroying Small Businesses, Don't Evict D'BABS Construction!Hello my name is Brunetta Nelson and my sisters and I own D'BABS Construction. We shared the same difficulty that 99% of us were experiencing during our nation’s financial crisis. After years of perfect payment history, we begin to have slow and missed payments on our loans. SunTrust assigned us to a special asset officer so that we could hand deliver our payments directly to the headquarters location downtown. When our property taxes got behind, SunTrust paid them and demanded a full reimbursement immediately. At this point, we entered lump sum payments. The loan officer admitted that these payments were misapplied many times. On May 4th the loan officer emailed me to say that he no longer worked for SunTrust and that someone else will be assigned to me. I waited and waited with my payment. The next thing I received was a pay in full demand letter. I called the person on the letter immediately and she gave deaf ears to my voice. I sent her a copy of the email that I had from the loan officer and told her I had the certified check. She was so mean to me. I then hired an attorney quickly. He was negotiating on my behalf, but after a couple of rounds SunTrust went silent. He told me to just be ready when they respond so we could get a final deal. The next thing I got is a call from my realtor asking me if I knew we had been foreclosed on. She had received a call from a SunTrust realtor and was just as shocked just as I was!! I called the lawyer who told me he did not know that this had happened. He also said it was a conflict of interest for him to represent us because he was now working on SunTrust legal team. We immediately filed a Wrongful Foreclosure lawsuit against SunTrust and have been fighting for over a year! Because of this disturbance to our business, we lost our rental income of $10k per month, we have spent over $100k in legal fees, and we’ve paid over $100k into the courts registry. In fact, in the discovery for the wrongful foreclosure suit, our lawyer discovered that we have overpaid. I cannot tell you how much our business has suffered by the loss in sales and income because of the interference of our business by SunTrust. The Big Bank asked the judge to enter a Summary of Judgment so that a jury cannot our hear our case. We have appealed this action. In the meantime, SunTrust struck new leases with our remaining tenants, and evicted them. Now they are demanding that we vacate the property. It is so painful for my sisters and I to walk into our office and see that everyone has been run away and how much we have suffered over this mishandling of a small family business that was built brick-by-brick for 25 long years. I can’t count the toll of the sleepless nights of crying, the loss of my hair, and the choices made as a result of this disaster. Please help!!