WELLS FARGO YOU JUST DON'T STOP HURTING PEOPLE. YOU MUST ENJOY IT.

WELLS FARGO WILL STEAL YOUR HOME
JUST BECAUSE THEY CAN

New Comment By: D.M Wade
URL: http://www.afscanhelp.com/blog/2008/2/wells-fargo-told-me-pay.cfm

All these stories makes me want to cry. I have lost my home to Wells Fargo in forclosure in 2006. That company put me and my family through a nightmare! We tried everything to keep our home and they refused to work out anything that would keep us in it other that modifications that added hundreds onto our mortgage. Maybe one day I will tell the story but in a nutshell they made a not so bad situation epically worse because they refused to work with me in a rational way that would have allowed us to keep our beautiful home that we put our life savings 401k's family and friends contributions into.

We were the 1st in our families to ever own a home and everyone was so proud of us. We were in our home that we built for 7 years and all our hopes and dreams were stolen, snatched away. We got behind on payments once by 2 months and were planning to have it all paid up within the 3rd month. Our mistake was not informing Wells Fargo before the 3rd month came in. Well we got a letter that came in just a few days after the first of the 3rd month that said they were going to begin forclosure proceedings if we did not send 13,000 dollars before the date!! I was floored!

I called and spoke with and agent and told her that we could pay 1 1/2 payments within a few days and the balance before the end of the month and be caught up on payments by the 4th month. They refused and told me I had until whatever date specified to get the money in or forclosure proceedings would begin. We were forced to file bankruptcy ruining a very fine credit rating that only would have showed this one time late payments with Wells Fargo.We were ignorant of so many things and one of them was knowing to contact the bank if there was any late payments and make them aware of what was going on.

I have had so much guilt over this but reading your stories I can see that even that would not have mattered. Long story short we eventually were unable to make the bankruptcy payments because of all the inflated fees and interest that they said we owed plus the regular payments that we could not keep up when my income was severely affected when the airline that I work for was involved in the 9/11 tragedy. I informed them of this as well and asked, begged for mercy that they would give me a lower payment that we could afford and let us keep our home.

NO DICE!!!

We are now financially ruined. Our children have lost their legacy to theives, we have no savings, depleted 401k and thousands of dollars in payments made in a mortgage, a bankruptcy that I did not even need as we had no major bills other than a new car because we had a unexpected beautiful baby that had me out on Bed rest for most of the pregnancy due to complications which affected income,which affected being able to pay mortgage on time.I was even home in bed when that first plane hit the towers.Since then I have suffered from depression that you would not believe. I mourned the loss of co-workers, the loss of our home, my income, and all the money that we had. All our dreams died the day we had to move out before they threw us out.

So here I am 3 years later riding past my home seeing someone else benefit from my families loss and our sacrifice. Living in the home that would not even exist if not for my husband and I who design the home picked the lot chose the colors , everything.

I am also very interested in a class action law suit if anyone wants to contact me. road2judah@yahoo.com

My health has been greatly affected and my family has suffered much looking for a place to live with no money just the kindness of friends and family who helped us.

Greg Abbott, Texas Attorney General Advised April 24, 2009

WELLS FARGO BANK N.A. NOT LICENSED TO SERVICE (OR FORECLOSE UPON) MORTGAGE LOANS (NOT AS A MORTGAGOR OR A MORTGAGEE) IN THE STATE OF TEXAS

Greg Abbott, Texas Attorney General Advised April 24, 2009

to confirm: http://www.occc.state.tx.us/pages/searches.html

35835
WELLS FARGO AUTO FINANCE INC
WELLS FARGO AUTO FINANCE INC
VICTORIA
TX
48424
WELLS FARGO AUTO FINANCE INC
DALLAS
TX
40484
WELLS FARGO AUTO FINANCE INC
WELLS FARGO AUTO FINANCE INC
VICTORIA
TX
306
WELLS FARGO FINANCIAL TEXAS INC
ODESSA
TX
305
WELLS FARGO FINANCIAL TEXAS INC
ABILENE
TX
810
WELLS FARGO FINANCIAL TEXAS INC
CEDAR HILL
TX
289
WELLS FARGO FINANCIAL TEXAS INC
EL PASO
TX
309
WELLS FARGO FINANCIAL TEXAS INC
BEAUMONT
TX
1946
WELLS FARGO FINANCIAL TEXAS INC
LAREDO
TX
3770
WELLS FARGO FINANCIAL TEXAS INC
LEWISVILLE
TX
824
WELLS FARGO FINANCIAL TEXAS INC
TYLER
TX
1943
WELLS FARGO FINANCIAL TEXAS INC
RICHARDSON
TX
1940
WELLS FARGO FINANCIAL TEXAS INC
HOUSTON
TX
298
WELLS FARGO FINANCIAL TEXAS INC
SAN ANGELO
TX
291
WELLS FARGO FINANCIAL TEXAS INC
ARLINGTON
TX
825
WELLS FARGO FINANCIAL TEXAS INC
ROCKWALL
TX
8978
WELLS FARGO FINANCIAL TEXAS INC
CLEBURNE
TX
287
WELLS FARGO FINANCIAL TEXAS INC
HOUSTON
TX
1944
WELLS FARGO FINANCIAL TEXAS INC
DALLAS
TX
818
WELLS FARGO FINANCIAL TEXAS INC
MIDLAND
TX
8581
WELLS FARGO FINANCIAL TEXAS INC
KILLEEN
TX
301
WELLS FARGO FINANCIAL TEXAS INC
DENTON
TX
3629
WELLS FARGO FINANCIAL TEXAS INC
EL PASO
TX
304
WELLS FARGO FINANCIAL TEXAS INC
WACO
TX
303
WELLS FARGO FINANCIAL TEXAS INC
AUSTIN
TX
3324
WELLS FARGO FINANCIAL TEXAS INC
PLANO
TX
3083
WELLS FARGO FINANCIAL TEXAS INC
BROWNSVILLE
TX
1945
WELLS FARGO FINANCIAL TEXAS INC
TEXARKANA
TX
308
WELLS FARGO FINANCIAL TEXAS INC
SAN ANTONIO
TX
815
WELLS FARGO FINANCIAL TEXAS INC
WICHITA FALLS
TX
4355
WELLS FARGO FINANCIAL TEXAS INC
EL PASO
TX
295
WELLS FARGO FINANCIAL TEXAS INC
AMARILLO
TX
3839
WELLS FARGO FINANCIAL TEXAS INC
BEDFORD
TX
3174
WELLS FARGO FINANCIAL TEXAS INC
SAN ANTONIO
TX
253
WELLS FARGO FINANCIAL TEXAS INC
HUMBLE
TX
300
WELLS FARGO FINANCIAL TEXAS INC
HOUSTON
TX
4741
WELLS FARGO FINANCIAL TEXAS INC
MCKINNEY
TX
10167
WELLS FARGO FINANCIAL TEXAS INC
STAFFORD
TX
10172
WELLS FARGO FINANCIAL TEXAS INC
HURST
TX
8541
WELLS FARGO FINANCIAL TEXAS INC
ARLINGTON
TX
8543
WELLS FARGO FINANCIAL TEXAS INC
PEARLAND
TX
8134
WELLS FARGO FINANCIAL TEXAS INC
IRVING
TX
8544
WELLS FARGO FINANCIAL TEXAS INC
SAN ANTONIO
TX
8545
WELLS FARGO FINANCIAL TEXAS INC
SAN ANTONIO
TX
3630
WELLS FARGO FINANCIAL TEXAS INC
SAN ANTONIO
TX
257
WELLS FARGO FINANCIAL TEXAS INC
ROUND ROCK
TX
40496
WELLS FARGO FINANCIAL TEXAS INC
ODESSA
TX
288
WELLS FARGO FINANCIAL TEXAS INC
FORT WORTH
TX
2505
WELLS FARGO FINANCIAL TEXAS INC
AUSTIN
TX
7564
WELLS FARGO FINANCIAL TEXAS INC
ALICE
TX
3777
WELLS FARGO FINANCIAL TEXAS INC
MCALLEN
TX
4637
WELLS FARGO FINANCIAL TEXAS INC
SELMA
TX
2474
WELLS FARGO FINANCIAL TEXAS INC
SAN ANTONIO
TX
7833
WELLS FARGO FINANCIAL TEXAS INC
EAGLE PASS
TX
2597
WELLS FARGO FINANCIAL TEXAS INC
MESQUITE
TX
817
WELLS FARGO FINANCIAL TEXAS INC
SHERMAN
TX
307
WELLS FARGO FINANCIAL TEXAS INC
LUBBOCK
TX
2427
WELLS FARGO FINANCIAL TEXAS INC
LONGVIEW
TX
39105
WELLS FARGO FINANCIAL TEXAS INC
DALLAS
TX
CARROLLTON
TX
FORT WORTH
TX
HOUSTON
TX
AUSTIN
TX
CORPUS CHRISTI
TX
8009
WELLS FARGO HOME MORTGAGE INC
BEDFORD
TX
8018
WELLS FARGO HOME MORTGAGE INC
GRANBURY
TX
8034
WELLS FARGO HOME MORTGAGE INC
WAXAHACHIE
TX
8006
WELLS FARGO HOME MORTGAGE INC
AUSTIN
TX
8031
WELLS FARGO HOME MORTGAGE INC
WACO
TX
8021
WELLS FARGO HOME MORTGAGE INC
THE WOODLANDS
TX
8024
WELLS FARGO HOME MORTGAGE INC
KERRVILLE
TX
8015
WELLS FARGO HOME MORTGAGE INC
FLOWER MOUND
TX
6687
WELLS FARGO HOME MORTGAGE INC
SUGAR LAND
TX
8016
WELLS FARGO HOME MORTGAGE INC
EL PASO
TX
6683
WELLS FARGO HOME MORTGAGE INC
ARLINGTON
TX
6686
WELLS FARGO HOME MORTGAGE INC
FORT WORTH
TX

State of Texas / TRAIL (Texas Records and Information Locator) Texas Finance Commission / Department of Information Resources Sunset Advisory Commission / Privacy Policy

Open Records Requests

Kelly L. Hansen,esq (expect success quickly!)
ON FIRE Vigilante!Changing WFHM Victims to VICTORIES!
33605 W. 88th StreetDe Soto, KS 66018
913-220-1284 Phone
913-273-1448 Fax
ctsmyhon@yahoo.com

http://wfhmcaught.blogspot.com/

WELLS FARGO NOT LICENSED TO FORECLOSE IN KANSAS

WELLS FARGO NOT LICENSED TO FORECLOSE IN KANSAS

The Kansas Secretary of State has been advised your mortgage licensure requirements in Kansas are unmet. "Registered" IS NOT "Active and in Good Standing." To begin, all Johnson County homeowners currently being threatened with foreclosure by Wells Fargo Bank NA or any of your subsidiaries will receive immediate notification of same. As will those in Shawnee County, Douglas County, Wyandotte County, and the rest.

WELLS FARGO’S TEXAS FORECLOSURES ARE ILLEGAL

IN TEXAS: ALL WELLS FARGO
HOME MORTGAGE LICENSES
CANCELLED

xcld
lic #

8009 WELLS FARGO HOME MORTGAGE INC BEDFORD TX
8018 WELLS FARGO HOME MORTGAGE INC GRANBURY TX
8034 WELLS FARGO HOME MORTGAGE INC WAXAHACHIE TX
8006 WELLS FARGO HOME MORTGAGE INC AUSTIN TX
8031 WELLS FARGO HOME MORTGAGE INC WACO TX
8021 WELLS FARGO HOME MORTGAGE INC THE WOODLANDS TX
8024 WELLS FARGO HOME MORTGAGE INC KERRVILLE TX
8015 WELLS FARGO HOME MORTGAGE INC FLOWER MOUND TX
6687 WELLS FARGO HOME MORTGAGE INC SUGAR LAND TX
8016 WELLS FARGO HOME MORTGAGE INC EL PASO TX
6683 WELLS FARGO HOME MORTGAGE INC ARLINGTON TX
6686 WELLS FARGO HOME MORTGAGE INC FORT WORTH TX

WELLS FARGO NOT LICENSED TO FORECLOSE IN TEXAS

Meghan MacKay’s Family Suffered Illegal Foreclosure by Wells Fargo

Dear Kelly,

   My name is Meghan MacKay and I stumbled upon your blog by doing a search of Wells Fargo and how to get a response from someone in the company. I am so disheartened to hear the details of your story, based on the selfish antics of which WFHM and other companies are legally getting away with. It is not right and I am so glad to see that you have managed to take your own horrific experience to educate and help others. That is a courageous thing and you should be commended for your effort. With that, I wanted to tell you a little bit about my situation. My husband and I started looking for a home to buy in February of 2006. At the time, we had two small children, ages 2 and 3 months. We wanted to give our boys stability and a place to grow up. We had the prequal letter while we were looking, which contained his name and mine. Since I had just had our second son in December 2005, I was out of work for about six months. In July 2006, I got a new job at a local hospital, and was told that since it was in the same line of work that I had been doing for the last five years, I would be all set to be on the mortgage. We found our dream home, and signed the purchase and sales agreement in September 2006. That's when everything changed. I was now being told that since I was not at my job long enough that I could not be on the mortgage. My mother ended up going on the loan with my husband in order for us to get the house. Little did we all know how badly we were getting screwed. We had a bottom line payment amount that we knew we could not go over. That was $1800 a month tops. The amount of the payment kept changing the closer we got to the closing date. Two days before we were set to close, we were told that our two payments would total $2500 but that we could refinance out of it in a year. We had to put $15000 into the loan to cover closing costs and we had a one year prepayment penalty. We did not want to lose the house so we decided that we would struggle for a year and then we would get out of it and everything would be okay. Boy, were we ignorant. Within that year, Amerifi, who underwrote the loan, went out of business and since we had been late on two or three payments, and bailed it out of foreclosure once already, no one wanted to refinance us. My husband was involved in a motor vehicle accident in June of 2007 but since we had the house, he was not about to take any time out of work, in order to keep up with the payments. He ended up waking up one day, in August 2007, without the ability to move. He had to stay out of work, at this point. RI has a temporary disability system that is state run and takes forever. He applied for TDI, as we call it, and we waited. Since we were already late on the payment and he was now out of work, we could not pay the mortgage for August or September 2007. In October, we received a foreclosure notice with an auction date of November 5, 2007. My husband, Joe, called Option One to see if he could work out something with them. They wanted $2000 right then and there, and then we were to make forbearance payments for the next six months, in order to get current. These payments were almost $1000 more than what we were paying already and we were told that if we miss even one payment, they would put us right back into foreclosure. In November 2007, Joe was informed that he needed to go and see a doctor that was chosen by TDI. He obliged and thought that everything was fine. Four weeks later, he received a letter from TDI stating that they were no longer going to pay him because their doctor had deemed him fine to go back to work. Their doctor never told him that. Now, panic sets in for us because December 1, 2007 has come and gone and we have a payment that has not been made yet. Joe makes a phone call to a local politician's office and explains to them what has been going on. This was mid December. This politician's office calls TDI and next thing we know, Joe is getting a phone call from the head of TDI and this gentleman could not apologize enough for the mistake. By this time, it's too late. We have another auction date that is set for March 3, 2008. This entire time, I was going to work and my money was being used just to put food on the table and pay the utilities, so we were really dependent on his income to keep us afloat on the mortgage. Even at that, the utilities were becoming too much for just my salary and we hadn't been able to pay anything on the water and sewer taxes. On February 27, 2008, I managed to take all of our savings and tax returns to pay everything up to date, so that our next payment would be in the original amount and due on April 1, 2008. Joe did end up going back to work at the end of December 2007, however, there was a huge cut in hours and overtime at his job that he was not making as much money as we were use to. When April 1st rolled around, we only had about half the amount we needed for the payment. We called up the mortgage company and told them this and their response was that they could not accept a partial payment. We did not understand this, since we were no longer in foreclosure. They told us that if we sent a partial payment, they would send it back to us. We were still trying to catch up on all of our other bills. We had already had the gas and electric shut off. So in May, we had one full payment and half of another. We called the mortgage company again to see if they would work with us. Again, we were told unless we had the full amount, they would not accept it. June was the same story. On June 17, 2008, we received a letter from Option One stating that our mortgage was being sold to American Home Mortgage Servicing, Inc. as of July 1, 2008. We thought we might have better luck talking to them about this until I did some research and realized it was the same company, just a different name. The end of June brought another foreclosure letter, with an auction date of August 6, 2008. We called and called and pleaded, to no avail. We found out about a non profit organization called NACA (Neighborhood Assistance Corporation of America), who specializes in fighting the sub-prime lending predators and negotiating home saves. We went to a workshop on July 26, 2008 and explained what was going on with us. The NACA counselor we met wanted to get right on this to get the auction stopped. He told us to call him on that Monday, since the workshop was on a Saturday. We called that Monday and he explained what paperwork they needed to get this through. We had everything he needed faxed to him by that Friday, August 1, 2008. On Monday, August 4, the negotiator for NACA made the first of three attempts to AHMSI asking them to call off the auction and work out a deal. Joe was home on the day of the scheduled auction. From what he has told me, there was no auction. He said that a man in a maroon car pulled up and stopped to park in front of our neighbors house, across the street. He said that no one ever got out of the car and according to RI Law, the auctioneer has to step on the front lawn of the property, announce that the auction is open with a starting bid at such and such. I understand that it was raining that day but that's no excuse as far as I'm concerned. As far as we know, that man may have had nothing to do with the us or our house. The reason I am writing to you and explaining all of this is because, as we found out later, Wells Fargo was the investor on the house. Since the were the investor, it looked like they bought it back for the fair market value price. They have attempted to evict us three times so far. We hired a lawyer to take our case to superior court and ask to have the foreclosure set aside since it was done illegally. We're still waiting. I went to a NACA Save the Dream Event in Columbia, SC in March. Since the lenders were going to be there in person, I thought I might be able to talk to someone face to face. The gentleman from Wells Fargo that I talked to gave me the number to their REO department. With that, I got nowhere. So I went and talked to a rep from AHMSI and he was supposed to go back to the office and call me by the end of the week with an answer as to whether or not the loan was going to be reinstated. I'm still waiting. I have a man here in RI, who works for the Housing Resource Commission, that is attempting to gain contact with someone in Wells Fargo. I, also, have Kevin Winn, from NACA trying to go the Wells Fargo route too. When I went to the event in March, I was told that Wells is now in contract with NACA, however, they were not back in August 2008. I cannot seem to get a response from anyone on this, however, I did take your advice and send off an email, yesterday, to all that you have listed on your blog. I have lost my job because of all of this. I am now on medication for anxiety and depression. I am heavier now than I have been in my life because of all of this stress. I am 28 years old but I feel much, much older. This has aged me and made me a very unbalanced and unhealthy person. I fell so sorry for anyone who has, is, and might unfortunately go through this. I still look through the local paper here and get completely disappointed at the amount of foreclosures that are still being listed week after week. I thank you so much for your time and your intent to help everyone. I hope to hear from you soon. Take care.

Sincerely,
Meghan A. MacKay



More info fast please -- are you still in your home? yes
Do you want to remain in your home? yes
Loan number last four: 6448 with AHMSI
Your home address, full name please.
Meghan A. MacKay (Power of Attorney)


What state did the foreclosure take place in? RI
Who was your mortgage loan originator?
What year did it originate? 2006
Was your mortgage AND NOTE sold to a different mortgage company? all was transferred with Option One being the servicer and Wells Fargo the investor. Option One now being AHMSI is who stole my house and handed it over to Wells Fargo.

WELLS FARGO'S DREAM TEAM

WELLS FARGO'S DREAM TEAM
COMMITTED TO
KEEPING HOMEOWNERS IN THEIR HOMES

PRAISE GOD FOR WELLS FARGO HOME MORTGAGE
ESPECIALLY THE DES MOINES, IA, EXECUTIVE COMMUNICATIONS STAFF
FOR THEIR COMMITMENT AND DEDICATION
TOWARDS REAFFIRMING THE AMERICAN DREAM

The following people have offered LIFE-SAVING, LAST-MINUTE assistance to many hurting homeowners!!! Good Luck and You are In My Prayers!!

Cara K. Heiden, CEO Co-President,
National Consumer Lending and Institutional Lending,
email: cara.k.heiden@wellsfargo.com
Michael J. Heid, Co-President, Capital Markets, Finance, and Administration, email: michael.j.heid@wellsfargo.com
Jerald Banwart SVP, Servicing Operations,
email:jerald.banwart@wellsfargo.com
Mary Coffin, Vice President
email: mary.coffin@wellsfargo.com
Sharon Cecil, Asst to Both
email: sharon.cecil@wellsfargo.com
email: Debra.Walsh@wellsfargo.com
email: rick.kelphart2@wellsfargo.com
Todd M. Boothroyd, Counsel
email: Todd.M.Boothroyd@wellsfargo.com
WELLS FARGO HOME MORTGAGE Executive Communications
MAC X2302-02J 800 S Jordan Creek Pkwy
West Des Moines, IA 50266
515-324-3130
515-324-2872
515-324-2389
515-324-2360

Go to my website when you have time:

www.wfhmcaught.blogspot.com

JR GTRAYSONAnd if either of you, Gary Elmer or leedart would like your own personal megaphone, I am a voice I make sure these criminals hear every day, in every possible way on behalf of everyone who asks for it. PUSHING HARD, DAILY, ALL DAY, BECOMIING THE SQUEAKY WHEEL IS THE SOUND TO WHICH THESE PEOPLE RESPOND.

Remember LOTS of people need help. PUSH, PUSH, PUSH.


Share your stories -- everyone needs to hear what has happened to you!

Kelly L. Hansen
33605 W. 88th Street
DeSoto, KS 6018
504-579-2340 Phone
913-273-1448 Fax
ctsmyhon@yahoo.com
www.wfhmcaught.blogspot.com