RICK KEPHART IS ELLA BROWN'S HERO

Hi Sharon,

Thank you. You always go above and beyond to provide excellent service. You are a priceless asset to Wells Fargo, I'm sure they recognize your devotion.

I am absolutely tickled with all of you. By and through your efforts, Wells Fargo is proving over and over again they have re-focused and re-energized their Commitment to their Customer! Because of that renewed commitment, Alla Brown's comments are worthy of the Executive Office's attention. I've attached Alla's comments below my response to her in this e-mail.

Please be advised that Alla Brown credits RICK KEPHART WFHM Executive Office for the fast resolution of her re-finance frustrations. Rick stepped in and saved the day after Hector Ramos ignored Alla's 3 voice mails requesting help. Fortunately Alla learned to ignore being ignored by Wells Fargo. Rick Kephart transformed doubt and frustration into peaceful satisfaction. Alla Brown will now, BECAUSE OF RICK, be telling everyone she talks to about her fantastic refinance experience with Wells Fargo Home Mortgage.

Wells Fargo & Co. spends millions (billions?) in advertising. EAR MARK 10% OF YOUR ADVERTISING DOLLARS AND DEVOTE FEBRUARY 2009 "Wells Fargo Loves Their Customers" and direct every employee to REACH OUT TO JUST ONE UNHAPPY CUSTOMER, ASK THEM WHAT THEY NEED, AND MEET THAT NEED. Have each staff member e-mail ONE PERSON DEDICATED TO JUST THIS PROJECT FOR THE MONTH OF FEBRUARY, it would need to be an executive authorized to extend, negotiate, and within 24 hours finalize, issue, and close THIS DEAL. Wells Fargo & Co.

Hector Ramos no doubt has a full plate. And this was perhaps a slip in his normally superior commitment to help Wells Fargo Customers. Both Rick Kephart and Matt Hoen have incited my proclivity to jump up and scream "injustice!" So I chose to believe, this time, Hector Ramos was in a meeting, out of his office, or busy bringing another customers problems to resolution.

However, I ask the Executive Office to take a moment to remind Hector Ramos of Wells Fargo's obviously re-energized dedication to their Customers.

The people I direct to the Executive Office are people who have exhausted all other means to resolve their problems and are, quite frankly, exhausted by those fruitless efforts.

Wednesday, January 21, 2009 11:20 AM
"Kelly L. Hansen" ctsmyhon@yahoo.com replied:
Alla,

Thank you so much for giving me that extremely important piece of your issue's puzzle.

That is exactly the kind of detail that helps us stay on top of the people we need to stay on top of when future homeowner's are depending on them for a resolution.

God Bless You for taking the time to let me know this about Hector, and I will update all sites to reflect Rick Kephart should receive all credit for pushing your refinance through to successful fruition.

I'm thankful for your input,



Kelly L. Hansen
ON FIRE Wells Fargo Vigilante for Wells Fargo Victims!!
33605 W. 88th Street
De Soto, KS 66018
504-579-2340
913-273-1448 Fax
"Kelly L. Hansen"

Alla.Brown@pnc.com wrote:

Kelly,

I would not give Hector Ramos any credit. He only called me back after Rick Kephart from executive offices contacted him. I left 3 voice message with Hector prior calling for help to Rick.

"Kelly L. Hansen" 01/20/2009 05:59 PM Please respond to ctsmyhon@yahoo.com

To Alla Brown ANOTHER WELLS FARGO VICTORY! , Sharon Cecil Sees All Projects to Fruition! , Rick Kephart Keeps His Promises , Hector Ramos A Homeowners Hero! cc Wells Fargo Caught Turning Victims into Victories! , Matt Hoen , "Cara K. Heiden" , James Strother , Mary Coffin , Sharon Cecil , "Todd M. Boothroyd" , John Stumpf , David Moskowitz , "Dick M. Kovacevich" , fccinfo@fcc.gov, oea@cftc.gov, hud@custhelp.com, antitrust@ftc.gov, askcorp@corp.ca.gov, customer.assistance@occ.treas.gov, infoBase@frb.gov, fhaconsumer@hud.gov, gpoaccess@gpo.gov, general@ksag.org, hope.e.file@hud.gov, hotline@hudoig.gov, hsg-respa@hud.gov, info@directlendingplanet.com, kansasregister@kssos.org, kcjp@kcjp.ks.gov, Macie.Houston@hud.com, nimhinfo@nih.gov, vice_president@whitehouse.gov Subject WELLS FARGO EXECS CAUGHT KEEPING THEIR PROMISES!! RICK KEPHART, HECTOR RAMOS AND SHARON CECIL MAKING HOMEOWNERS HAPPY!

WELLS FARGO HOME MORTGAGE CAUGHT
BREATHING LIFE
INTO THE AMERICAN DREAM!

ANOTHER Wells Fargo VICTORY! Sharon Cecil, Rick Kephart, and Hector Ramos, Wells Fargo Home Mortgage Executive Office, have PROVEN ME WRONG AGAIN.

Alla Brown is a huge VICTORY for all hurting homeowners everywhere. And it is an especially sweet success for me!

ME. ME. ME.

Two long years ago Rick Kephart broke my heart. The details are no longer important. What IS important is I had the privilege to witness Rick's FAST AND FURIOUS RECORD MAKING RESPONSE to help a homeowner who felt ignored.

Alla Brown wrote when she saw our blog http://wfhmcaught.blogspot.com/ and asked for help.

As I ask everyone to do, Alla wrote me to share her progress on the path towards resolution. She advised RICK KEPHART was the first person she spoke with and within three hours of her initial conversation with Rick, Hector Ramos called Alla back and right then and there finalized the details of her re-finance!

EXCELLENT WORK WELLS FARGO FOR ALLA BROWN'S RECORD BREAKING RE-FI!! WOW. That kind of service will put you QUICKLY back on top for consumer's mortgage loans and banking needs!!

Below Alla Browns thank you note, is the letter I wrote Alla when she first told me she spoke with "Rick Kephart" when she called the Executive Office. Yes, I did freak out. Sorry, Rick. I'm pleased my concern was unjust.

Alla.Brown@pnc.com wrote:

Kelly,

Thank you very much for your help. I called Executive Offices and spoke with Rick Kephart. He helped me with my refinance.

Thank you very much for your help,



Kelly L. Hansen
http://wfhmcaught.blogspot.com/

Kelly L. Hansen
ON FIRE Wells Fargo Vigilante for Wells Fargo Victims!!
33605 W. 88th Street
De Soto, KS 66018
504-579-2340
913-273-1448 Fax
"Kelly L. Hansen"

WAIT A SECOND ALLA --- I NEED MORE INFORMATION. I'M CONCERNED. LET ME EXPLAIN.

Hi Alla!

Wait a second girlfriend!! I have never seen results sooooo fast, so humor me a bit, would you mind giving me just a few more details? You are the first person to work with Rick Kephart since we've kicked in non-stop 24/7 efforts to get help for homeowner, loan holders, share holders, anyone and everyone, crying out for help from Wells Fargo, their pleas ignored.

1st, tell me about what you and Rick Kephart have agreed upon thus far. What rate/payment/balance, etc. were you hoping for? We make a BIG DEAL when Wells Fargo employees help the people we ask them to help. And we make a BIG DEAL when they use predatory lending tactics to hurt homeowners. This keeps the WFHM Executive Communication Team motivated to help their homeowners.

Alla, I want to tell you why I am HYPER-VIGILANT in your case. Rick Kephart was the Executive Team Member first assigned to me when I faced foreclosure two years ago. He was absolutely awesome when he first talked with me. He followed up our first conversation by federal expressing me a four page letter outlining our discussion, reiterating exactly what Wells Fargo was going to do for me to correct the errors they had made on my mortgage loan, and to compensate me for the 12 month nightmare I'd faced trying to prevent WFHM from stealing my home.

I'm not going to go into all my details UNLESS -- if Rick does not honor what he promises you, if he is not quick to bring your issue to satisfactory resolution -- THEN I WILL SEND YOU AN EMAIL WITH A COPY OF THE LETTER RICK WROTE ME ATTACHED. If you are delayed, lied to, or messed around in any way, THEN I will share my feelings about Rick Kephart with you.

But before I can give him his due, I need to know when you 1st called, who did you speak with, were you transferred to Rick or did he answer the line directly? Did Sharon or Deborah assist you in any way?

Have you received any confirmation by email/fax/or otherwise confirming your refinance details or is it "in the works?"

I've seen some good things starting to happen in that office, in fact last night we had a HUGE victory, finally, for a woman who had been trying to work out an agreement for two years!!

So I am thrilled for you IF you have truly received final documents confirming the details you've requested on your refi.

So, if you like, share more details with me so I can truly understand the status of your refi--or, if you prefer, just let me know if I can assist you further if you run into any difficulties.

I sincerely hope and pray all is well, and you've truly received the information/confirmation of the re-fi.

PLEASE NOTE: Do NOT pay any "up-front" fee, any so called "contribution payment", or ANY AMOUNT AT ALL to set up the refi/modification/new loan, or whatever they might chose to call it.

It is standard for late payments to be added to the back end of the loan, for interest rates to be cut in half, adjustable rates changed to fixed.

You are their customer, and you should be treated with dignity and respect, not as if you are "blessed by their willingness to take care of your business."

Do not settle for anything less than what you need on your mortgage loan. Now is THE time to INSIST on

1. a 4%-6% fixed interest rate,
2. a payment you can afford,
3. a first due date in 60 days to give you some time to breathe
4. a no-penalty prepayment clause,
5. a bi-monthly payment option

AND

6.

EXTREMELY IMPORTANT FOR ALL CONSUMERS
if you opt to set up automatic withdrawal to pay your mortgage
SET UP A 2ND -- COMPLETELY SEPERATE -- ACCOUNT
AN ACCOUNT
NOT CONNECTED IN ANY WAY
TO YOUR OTHER BANK ACCOUNTS

THIS IS SO IMPORTANT PEOPLE!!!!

YOU WILL PREVENT BECOMING ANOTHER VICTIM
OF YET ANOTHER INFAMOUS, GREEDY
PREDATORY LENDING INSTITUTION'S TACTIC

BANKS ARE DUPLICATING WITHDRAWALS
'inadvertently' (yeah, right)
CREATING MULTIPLE UNAUTHORIZED CHARGES
AND ENDLESS NIGHTMARES FOR INNOCENT CONSUMERS.

MAKE SURE YOUR BANK WILL NOT
COVER ANY CHARGES ON THIS ACCOUNT
TELL YOUR BANK NO
TELL THEM WHY
SO THEY DON'T JUST DO IT
'AS A SERVICE'
TO YOU THEIR VALUED CUSTOMER
BLAH, BLAH, BLAH

ALLA, THIS IS SO IMPORTANT, HOMEOWNERS HAVE BEEN LOSING THEIR ENTIRE SAVINGS DUE TO THIS PREDATORY TACTIC SO PLEASE BE CAREFUL

DO NOT/DO NOT/DO NOT

authorize any bank to transfer funds from your first account to cover the 2nd account if it would overdraw for any reason.

A few days before your mortgage payment is due, transfer from your everything checking account, ONLY the exact amount of a single monthly mortgage payment, into your separate mortgage account.

BI-MONTHLY PAYMENTS

Cut 10-years off your mortgage by making 1/2 of your monthly mortgage payment on the 1st, and the 2nd on the 15th. Ask your Wells Fargo Account Manager! This is an awesome way to save thousands of dollars. Every lending institution is legally required to share this information with you, although very few do.

I look forward to hearing more from you, if you want to share!!


Kelly L. Hansen
http://wfhmcaught.blogspot.com/

Kelly L. Hansen
ON FIRE Wells Fargo Vigilante for Wells Fargo Victims!!
33605 W. 88th Street
De Soto, KS 66018
504-579-2340
913-273-1448 Fax
"Kelly L. Hansen"



Alla.Brown@pnc.com wrote:

Kelly,

Thank you very much for your help. I called Executive Offices and spoke with Rick Kaphart. He helped me with my refinance.

Thank you very much for you help.

"Kelly L. Hansen" 01/15/2009 11:49 PM Please respond to ctsmyhon@yahoo.com

To Alla Brown cc boardcommunications@wellsfargo.com, fccinfo@fcc.gov, oea@cftc.gov, hud@custhelp.com, antitrust@ftc.gov, askcorp@corp.ca.gov, HSG-LOSSMIT , customer.assistance@occ.treas.gov, john.stumpf@wellsfargo.com, david.moskowitz@wellsfargo.com, Dick Kovacevich , FFIECInfoBase@frb.gov, fhaconsumer@hud.gov, gpoaccess@gpo.gov, general@ksag.org, hope.e.file@hud.gov, hotline@hudoig.gov, hsg-respa@hud.gov, info@directlendingplanet.com, kansasregister@kssos.org, kcjp@kcjp.ks.gov, Macie.Houston@hud.com, nimhinfo@nih.gov, vice_president@whitehouse.gov, Cara Heiden , "james.strother@wellsfargo.com" , "mary.coffin@wellsfargo.com" , "sharon.cecil@wellsfargo.com" , "todd.m.boothroyd@wellsfargo.com" Subject Sharon Cecil: WELLS FARGO HOME MORTGAGE: PLEASE ACKNOWLEDGE ALLA BROWN!!!!

HI SHARON!

WOULD YOU OFFER ALLA BROWN YOUR ASSISTANCE?
She's been trying to get
a response from WFHM
since the first of December, 2008.
You can reach her at 856-495-4855.

Alla,

Hi! I enjoyed speaking with you and I'm glad you called.
Call Sharon Cecil at
515-324-3130
direct to the
Executive Office of Wells Fargo Home Mortgage.



Here are additional names and numbers in case Sharon is not available -- these 3 women will get you the attention you deserve immediately.

Since you've been trying since the 1st of December, every single minute counts!! The current mortgage rates are terrific and most certainly will lower your mortgage payments significantly.

Please let me know if you don't receive a quick response. It never hurts to start pushing from every possible direction -- and we have many, many, from which to begin if you don't receive your desired results.

So, start here, and if success doesn't quickly follow, CALL ME!!

Cara K. Heiden, CEO
WELLS FARGO HOME MORTGAGE
cara.k.heiden@wellsfargo.com

Mary Coffin, Vice President
WELLS FARGO HOME MORTGAGE
mary.coffin@wellsfargo.com

Sharon Cecil, Assistant to Both
WELLS FARGO HOME MORTGAGE
sharon.cecil@wellsfargo.com

Todd M. Boothroyd
Senior Counsel, Real Estate Division
(address in California, let me know if you need it.)
Todd.M.Boothroyd@wellsfargo.com



WELLS FARGO HOME MORTGAGE
Executive Communications Office
MAC X2302-02J
800 S Jordan Creek Pkwy
West Des Moines, IA 50266
515-324-3130


Cara! Mary! Sharon!
WFHM EXECUTIVE TEAM: REMAIN AWESOME.
YOU REGAIN OUR TRUST WITH EACH VICTORY!
YOUR EFFORTS ARE IMMEDIATELY
ACKNOWLEGED,
APPRECIATED
AND
ADVERTISED.

Good Luck & Keep Me Posted!

Kelly L. Hansen
ON FIRE Wells Fargo Vigilante for Wells Fargo Victims!!
33605 W. 88th Street
De Soto, KS 66018
504-579-2340
913-273-1448 Fax
"Kelly L. Hansen"


Good Luck & I'm starting prayers that all will be handled as you hope, very, very, quickly. God Bless You!!


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