WELLS FARGO STAND BY YOUR PROMISES

Cancer took their daughter, Wells Fargo, please don't take their home. When is enough, enough? Kelly L. Hansen

KEEP YOUR PROMISES!!

WELLS FARGO HOMEOWNER

PROMISED RELIEF

WELLS FARGO HOMEOWNER

PROMISED REINSTATEMENT

AFTER CANCER STOLE STEPHANIE.

But NOW WELLS FARGO

SAYS NO?

BETTER TO SELL INSTEAD.

FOR WHO?

Hello, my name is Sandy I am originally from York, Pa. but now I reside in Richardson, TX. I am 66 years of age; my only income is Social Security. I have no savings of any kind and no other retirement income. I am trying to save a house I share with my son-in-law after losing my daughter to cancer a few years back. I know this is a long shot but I thought I would reach out to others and see if there were any options that might lead to a Home Modification that would lower the house payment to around $650.00 to $700.00. I realize the likelihood of receiving any help might not be there but I thought I would try.

This house was very dear to my daughter and son-in-law. They bought it as a fixer upper with hope of turning it into a home they could raise a family in. We are several months behind with Wells Fargo and currently in our last month of Forbearance and then foreclosure. There must be a way for Wells Fargo to allow us to stay here.

SOME HISTORY

I moved from Pa to Dallas TX after my job ended at the local post office and the last remaining member of my family, my sister, passed away. I came with hope of visiting and possibly staying with my beautiful daughter until I could find work and a place of my own. Everything was going well, I found a job shortly after coming to Dallas, bought a car and lived with my daughter in her apartment. Michelle was working two jobs and going to school. She was always like that. She did Ballet, Tap and Jazz Dance as a child, Swimming, Ice skating for 10 years including the Ice Capades, Navy See Bee 5 years, and so on. She was in college working on her business – management degree while dating a nice guy named Alan who was crazy about her. They talked of marriage her graduation. Alan worked for J. C. Penney in the Corp. Office doing some type of technical support in a place they called a NOC. After Michelle graduated, Alan and she found a house they wanted to make into a home for a family. Since we all got along so well I was invited to move in and help with some of the repair work.

Although they started a lot of repair projects, such as painting, ceiling fans, some new doors, crown molding cutting down hackberry trees etc. all seemed to slow down to a halt when Michelle discovered she had breast cancer. I thought maybe she had a good chance of surviving as I am a breast cancer survivor myself of over 20 years. The doctor she was seeing gave her a very poor outcome, so my soon to be son-in-law Alan started researching Cancer on the internet in order to buy her more time. Nothing was working, Michelle had a lumpectomy, chemotherapy, and than a mastectomy removing the right breast. Another small surgery to remove even more cancer, after numerous rounds of radiation, the cancer became metastatic moving to the bones and spine. Michelle was spending quite a bit of time in the hospital while Alan and I and other church people kept vigilance at her bedside. Long story short, Michelle had a short time to live, my son in law found an experimental treatment www.IPTQ.com the treatment held a lot of promise for Michelle but the only person who was using this treatment close to TX was in Atlanta, GA. Michelle went to Atlanta and did OK the first few days, but the guy treating her was deceptive in his skills and grossly overdosed her on Methyltrexate.

Because of the overdose Michelle suffered with failed kidneys, septic shock and passed away of congestive heart failure on Christmas Day a few years back. My son-in-law and I were both at the hospital when Michelle passed away, it was horrible losing my daughter like that and my son-in-law took it very hard. Although he tried to return to work he couldn’t deal with the grief and guilt he felt, lost his job and has had a very difficult time trying to find work since, he has been hospitalized many times for drug overdose and is mentally and emotionally disabled still. He has been trying to continue the work on the house in memory of Michelle while being under psychiatric care and on several meds dealing with PTSD, anxiety disorder, as well as many side effects from the meds he is currently on.

OTHER HELP OPTIONS

Alan and I have tried many charities or organizations seeking assistance through 211; we have received some temporary help with food, utilities a new furnace and water heater. We have applied for loan help with the Hope Foundation through HUD, through CCCS, Acorn, Dallas County, Greg Abbott and others to no avail. Alan was able to qualify for disability but there is no way we can catch up or make the $1300.00 monthly payment.

Thank God for some of the small pets. I love them so much and they have been such a blessing to Alan and I.

AT PRESENT

We are several months behind on the house with Wells Fargo threatening to foreclose on the house within 20-30 after their demand letter. Alan has applied at over 20,000 jobs online and been to almost every job fair that came his way. The few interviews that came his way wanted good credit, active certifications, recent employment, and more. He has tried to stay busy with temp jobs but they come and go. I had to take retirement due to health issues and have been helping or taking care of everything including Alan. I have used up every bit of credit and more with hope of Alan snapping out of it and or finding work to no avail. There are days Allen is too depressed to get up out of bed and other days he seems to do better and works on the house finishing what ever he starts however if someone or something upsets him he is back in a very depressed state for days. The house still needs many repairs, wiring problems in the attic, no insulation, and the roof leaks and needs replacing, no yard, no fence, inside flooring is bad and more. Allen has no one and we both have no where to go.

I realize this is a long letter, but I had to give you some background to show you that I have been trying to stay afloat, but I am now drowning. I have no family to help with anything. If you know of anything more that I can do or any other programs that will help me survive this situation, please let me know ASAP. If you desire anymore information of any kind, or need to send paper work to be filled out, please write me at reaxe42@yahoo.com.

Thanks very much for reading and pray for us please.

God Bless!

Sandy

WELLS FARGO ACCEPT STEVE AND JENNIFER ZIDE'S LOAN PAYMENTS!

WELLS FARGO COMPLAINS
NO ONE MAKES THEIR LOAN PAYMENTS!

THEN WON'T ACCEPT PAYMENTS
WHEN STEVE AND JENNIFER ZIDE MAKE THEIRS.

WHY WELLS FARGO?

WELLS FARGO / ASC mortgage holder
From:Steven Zide stevenzide@bellsouth.net

To: patrick.sheehy@wellsfargo.com; londa.gomble@wellsfargo.com; james.loving@wellsfargo.com; mike.heid@wellsfargo.com; bob.chapman@wellsfargo.com; sharon.cecil@wellsfargo.com; rick.kephart2@wellsfargo.com; mary.coffin@wellsfargo.com; richard.kovacevich@wellsfargo.com; cara.heiden@wellsfargo.com... more

To whom it may concern
ASC / Wells Fargo
REFERENCE LOAN # 1351002543
Sept. 16, 2009

I am writing to you today in reference to a hardship letter for my late mortgage payments for May, June, July and August of 2009. We were happy to have received a loan modification back on 1/1/09. However, it should be known that when we applied / completed the paper work that corresponds with the modification, along with the countless phone conversations with various departments, it was made known that we would be late a few payments during the above listed months. We advised your departments that we can make our regular payments, except for the summer months, due to the fact that my wife, Jennifer Zide, is a teacher and WAS under the 9 month pay check scale / not year round pay. As you can imagine, it is a nightmare not getting payed for those 3 months.

In April of 2009, I contacted ASC again (please check caller notations / history of calls with ASC associates), to set up a repayment schedule of the known, up in coming hiatus of payments. ASC advised that there was nothing that they could do, since I was currently on time and not late yet. I was told that I would be contacted. I contacted ASC in Mid July, advising that I have missed payments and wanted to find out how to get caught up with them. I was told about a repayment plan, which I qualified based on my completion of questions. I was told to make a payment on August 28th of $2308, which WE THOUGHT would be no problem, since my wife, Jennifer would be back to work and receiving paychecks. HERE is where the problem really comes into play.
At the time of the agreement (in July) to become current, we did not know that her first check would actually be a week later, instead of August 28th, it was actually September 4th, ONE WEEK later. After finding this out, I called ASC back to let them know of her actual pay check status. I was advised that we would be breaking the agreement and would not be eligible for a new agreement due to the investors, thus I am writing this hardship letter. I called in on Sep 14th, 15th and 16th (three separate days) to make a payment of the $2308, but was denied. I have been trying to make payments, however, ASC is not taking them.

My wife and I have current (mostly recession proof jobs), since I am a police officer of 7 years and Jennifer is a teacher of 14 years. We have diligently and proactively been in touch with ASC for each and every situation, even before they have occurred. We have tried to make payments, which ASC says they cannot accept until this process is completed. WE ARE ACTIING IN GOOD FAITH, TO THE BEST OF OUR ABILITIES. Jennifer is now being paid on a 12 month basis, which obviously means that she will be getting checks every two weeks, including the summer months.

We have the ability to pay our regular monthly payment plus put a little more to contribute towards paying the past due amount. I am hoping that we can either put the four late payments in the rear of the loan, complete a forbearance, or modification of some sort. Due to the value of my home at $320,000 vs. what I owe, $421,000, it would be in all of our best interests to work something out. I know ASC / Wells is not looking to have another foreclosed property (as the cost is so expensive for both parties). I am currently in bankruptcy (Florida Southern District case # 07-19813), but kept this home / loan out of it, for the simple fact that I want to remain in my home and even one day own it out right. I did not and do not want to walk way from it. It doesn't help you or me to do that. So, please, accept my hardship situation as stated above and let it be known that with our income and expenses, we are able to again pay our payments and keep this home of our the courts and make it a success story for all involved.

Thank you for your time and considerations. We are keeping the mortgage payments that we tried to make and future ones (while this is being sorted out) in a money market account, in hopes that you accept our payments in the very near future.


Steven and Jennifer Zide
954-914-8419
Loan Number #1351002543
Sept. 16, 2009

Judge: Bank Must Explain Loan Policies - Money News Story - KPHO Phoenix

Judge: Bank Must Explain Loan Policies - Money News Story - KPHO Phoenix

ARLENE MITCHELL NEEDS MATTHEW HEIL'S LIGHTENING SPEED REPRIEVE!

WELLS FARGO'S IGNORED
ARLENE MITCHELL
SINCE APRIL 2009

ATTN DEAR READERS LOOKING FOR HELP!!!
LOSS MITIGATION IS A HUGE BLACK HOLE - DO NOT GO THERE

THE ABSOLUTE ONLY PLACE YOU WILL FIND HELP IS:
THE PRESIDENTIAL EXECUTIVE COMMUNICATIONS OFFICE


AN ANGEL FROM HEAVEN, YOU WILL LOVE MATT!!
Matthew Heil: 515-324-2360 (AMAZING, KIND, GOES ABOVE AND BEYOND!)
matthew.heil@wellsfargo.com
OR matt.heil@wellsfargo.com (TRY BOTH)

Cara K. Heiden, Co-President cara.k.heiden@wellsfargo.com
Mike Heid, Co-President mike.heid@wellsfargo.com

EXCELLENT SOURCE OF HELP!!
Sharon Cecil, Executive Manager, sharon.cecil@wellsfargo.com
Executive Manager to President and Vice President
Executive Communications Executive Communications Offices
Wells Fargo Home Mortgage
MAC X2302 - 02J
1 Home Campus
Des Moines, IA 50328-0001
515-324-2416 (Sharon Cecil's direct phone)
515-324-2417 (Sharon Cecil's direct Fax)
sharon.cecil@wellsfargo.com

SHARON/CARA/MARY/RICK/AMANDA

ARLENE MITCHELL IN ARIZONA
WELLS FARGO STOP IGNORING HER
GIVE HER THE "MATTHEW HEIL" AND BE DONE WITH HER!!
623-388-8939

I want to thank you for your Wells Fargo site. I have just e-mailed the 4 people you listed. I will see if I can get a response.

Below is the e-mail I sent to them. This has been an ongoing fight since April

...with them wanting the same things re-sent to them, because "they want their files updated monthly", you name it..... The thing that really has gotten me the angriest is them trying to deny me because my debt ratio is too high, which is because of their loans!!!!! I only have one credit card debt, all the rest is them and they won't come out and admit it. They keep ignoring me.

They set up a seminar in Phoenix that I have an appt to go to on Wednesday. I have a feeling I am going to waste my time. They claim they are going to do modifications right then and there. Well.....why can they do that but not finish mine? I'll learn then.

I just don't know what to do if they still refuse to modify both my loans. It was my understanding that banks are modifying both mortgage loans and home equity lines. I even wrote the federal bankruptcy judge that is pulling in WF to explain their problems to let him know what my situation is.

This is what is going on with me (what I wrote the 4 people.)

I am one of your customers requesting your help with these modifications. I went thru the Hope Foundation to try to get my mortgage and home equity line rolled into one loan with a 3% rate, since every time I called Wells Fargo I was given a different phone number and nobody would give me any form of help. The Hope Foundation faxed the to Wells Fargo. Since April, Wells Fargo had told me they could do this modification. Now, I was just told that they cannot do this and they are only trying to modify my main loan AND the modification department has been denying it due to a high debt ratio (because of the home equity line thru Wells Fargo which was never fully used!)

There is a balloon payment on the home equity in 2 years. That was the reason for the modification request and because my husband has not had a raise in four years while our bills keep rising, so we have not had enough to cover all bills. The Hope Foundation told me that Banks are combining mortgages and home equity lines into one mortgage to help the struggling homeowners.

Why is Wells Fargo not????? I have had customer service reps get quite rude with me (ex: why do you need a modification? You have $92. left over at the end of the month after bills! If people would look at the financial statement, that means I have no money to pay toward any principle on the home equity line and nothing for emergencies). I am requesting help with this. My payments have never been late and my husband and I both have high FICO scores, besides being a customer of yours for 8 years with our banking. I do have an appt. Wednesday in Phoenix to meet with a rep. but have a feeling we are going to run into all the same problems that I've had from the beginning. I am requesting a response.

Arlene Mitchell
623-388-8939
ammitchell9970@yahoo.com

Again, thank you for listening to me.

RESPONSE FROM KELLY L. HANSEN

Hi Arlene,

I want to thank you SO MUCH for taking the time to write and share what is going on with you in your life, in your heart, so we can start praying NOW!!! for an awesome outcome.

PROMISE ME you will also immediately send your heartfelt e-mail to Matt Heil. I've given you his contact information in the next paragraph, and also above. You will also see in an e-mail I'm going to send you after I post this in our blog (you are experiencing EXACTLY THE SAME ISSUES EVERYONE ELSE WHO WRITES IS EXPERIENCING AND YOUR LETTER IS GOING TO GIVE THEM HOPE) a great deal of contact names who will be receiving YOUR DETAILED INFORMATION, and their goals are to MAKE THINGS HAPPEN.

Matthew Heil, Cara, Mary and Sharon are wonderful, but Matt, lately, has been the one to make thing happen VERY VERY FAST. So, it sure can't hurt to go ahead and contact him as well, follow up with a call to each one of these people (even if you only get their voice mails) AND I MEAN CALL HIM FIRST THING IN THE MORNING.

I've learned, the ONLY way to get a response to YOUR issue, (they are bombarded with thousands every day -- so you have to make yours stand out) You have to be committed to be a big BOTHER, BOTHER, BOTHER. I can tell you aren't like that. When I started, I had never been like that. I could have saved my home. I know that NOW!

BUT, you CAN save your home, if you just for now commit to being a BOTHER, BIG ANNOYING BOTHER. The squeaky wheel gets attention. AND IF YOU DON'T GET THE ATTENTION YOU NEED CALL ME.

I've stayed up all night with people to motivate them, I've called with people, I've gathered groups together to picket, I've helped people people prepare documents to present themselves in Court Pro Se, sometimes I stand in Court with them. I'll walk through this with you because I understand it is hard. It is scary.

BUT YOU'VE HUNG ON SINCE APRIL.

I'm going to post this now, and I'm going to finish working on a Rhode Island case.

When you call Matthew Heil today, ask him if you even need to go to the Phoenix meeting -- maybe he can finalize everything for you over the phone. (He usually does.)

If you do have to go to the meeting, ask him to find out who you will be meeting with, their title, their true qualifications (will they really be able to confirm mods right there -- reinstatements better with past due amount added to the back end like they do for most with no additional fee added -- hey tough times and bail out funds. Wells Fargo has promised to use those funds to help people. It is no skin off their back. Have them combine your loans, 3%, 30 year conventional, reinstatement, missed payments tacked on to the back, with the next payment due in two months -- give you some breathing time.)

Do this, let me know his response ASAP.

I look forward to speaking with you soon!

GBU! (PRAY UNCEASINGLY!)

Kelly Hansen

The VERY BEST contact at Wells Fargo (fastest) is Matthew Heil in the Presidential Executive Communications Offices.

Matthew Heil: 515-324-2360
matthew.heil@wellsfargo.com
matt.heil@wellsfargo.com

Sharon Cecil
Manager - Executive Communications
Executive Communications Offices
Wells Fargo Home Mortgage
MAC X2302 - 02J
1 Home Campus
Des Moines, IA 5328-0001
515-324-2416 (Sharon Cecil's direct phone)
515-324-2417 (Sharon Cecil's direct Fax)
sharon.cecil@wellsfargo.com


Matthew Heil: 515-324-2360


DEPENDING ON WHAT YOU NEED THEM TO DO ON YOUR NEW LOAN, ABSOLUTELY
NO ADDITIONAL CHARGES SHOULD BE ADDED IN.
YOU ARE ASKING FOR STANDARD REINSTATEMENT LOAN/NOTHING SPECIAL.
THEY DO THIS EVERY DAY.
MATTHEW DOES THESE DAILY, USUALLY IN A MATTER OF 10 MINUTES. HE'S BEAUTIFUL!

STEPHANIE SANTI: ABSOLUTELY NO NO NO. NIGHTMARE FROM THE WORK HELLO.
DEBRA WALSH: NO.

RICK KELPHART: yes, good, just not as fast as Matt.
SHARON CECIL: yes, excellent.
MARY COFFIN: yes, excellent. VP
CARA K. HEIDEN CO-PRESIDENT
MIKE HEID: CO-PRESIDENT

Please call me if I can assist you, Arlene, in any other way. If you don't get a fast response, let me know. Sometimes a group of us have to start calling every 10 minutes, loading up the lines in Des Moines and in San Francisco, before we finally get them to respond. I know it's not nice, but they're not nice sometimes, and we have to do what we have to do to get taken care of.

So, Good Luck and God Bless You! KEEP ME POSTED, PLEASE!!! I encourage you to share your experience with me so I can share it with the readers of our blog. Everyone needs to share and help each other through this. Sometimes it's the only hope that keeps us going. So please, please let us know how you do. WE ARE ALL WITH YOU IN PRAYER, CONSTANTLY!!