-Thomas Jefferson
AMERICA MUST HELP AMERICAN'S KEEP THEIR HOMES!!
Hi Shawn,
I wasn't certain if your original lender was Wells Fargo -- now that you've told me a bit more, this sounds like a case you may be able to fight AND WIN on your own. Feel free to fax or scan and attach to an e-mail me your docs/title/deed/etc any document you feel may reveal something about the ownership of your loan, and the transfer of your loan's servicing.
BEFORE you sign ANY modification agreement, let's look at your current loan documents and see what you have got, because you very well may have no currently verifiable debt.
If Wells Fargo has any intention of honoring a loan modification they don't waste your time, because they aren't in any habit of wasting their own, certainly! They don't have any reason to ask for loan documents over and over again. And they don't lose them. They haven't made trillions of dollars by functioning poorly. This company is wise. And every step they make is well thought out. Especially the ones that waste your time and cost you money. Unfortunately.
The following Executives in the Presidential Communications Office have approved loan modifications for our homeowners within in one hour. They have also immediately cancelled foreclosure sales, reinstated loans, waived fees, etc. They absolutely CAN CONFIRM ANYTHING YOU NEED THEM TO CONFIRM IN WRITING.
They CAN provide you with a COPY OF THE ORIGINAL NOTE, NOTARIZED COPIES OF ALL TITLE/DEED TRANSFER OF OWNERSHIP DOCUMENTS (MUST HAVE TO BE A LEGAL CONVEYANCE), and anything else you need them to provide.
Rick Kephart
Matt Heil
Amanda Kluender
Sharon Cecil
God Bless You!
Kelly L. Hansen,esq (expect success quickly!)
ON FIRE Vigilante!
Changing WFHM Victims to VICTORIES!
33605 W. 88th Street
De Soto, KS 66018
913-220-1284 Phone
913-273-1448 Fax
ctsmyhon@yahoo.com
http://wfhmcaught.blogspot.com/
--------------------------------------------------------------------------------
From: Shawn
To: Kelly L. Hansen
Hi Kelly:
My wife handles all our paperwork and she is out of town til Saturday...we have tried in good faith to resolve problems with Wells Fargo but have gotten nowhere except for trips to the doctors for stress-related ailments (cardiologist, gastroenterologist, primary care physician etc) brought on by Wells Fargo.
Problem is Wells Fargo is only servicing the loan; it's Bank of America who is "the investor" according to Wells Fargo. I have tried and tried to get through to them but they are even worse than Wells Fargo.
So...I am ready to go to war. Wells has hounded us with threatening letters and voice-mails and WE STILL HAVE NEVER MISSED A SINGLE PAYMENT!
We have also been trying to sell the house for 3 years now and are planning to stop payments next month (April).
I am sick (literally) of dealing with it. I have never had bad credit or missed payment obligations ever.
But I can't keep living like this, it's more than I can bear.
If you know an attorney in San Francisco (Wells Fargo HQ) or Des Moines who will help me go on the attack, please tell me.
Dear Shawn;
I'm sorry your efforts to work things out with Wells Fargo have failed. Having said that, and knowing you have, in good faith, made every effort to work things out with various departments for months I want you to know many, many homeowners are discovering THEY DO NOT NEED TO ENTER INTO A LOAN MODIFICATION because Wells Fargo ignored each states land conveyance laws and failed to dually register their security interest with the appropriate county register of deed's office.
And where Wells Fargo failed to register their security interest, the failed to secure, attach, and perfect that interest, and thus, they can not claim a secure interest in your property. They may be able to prove a debt interest of some sort, comparable to say a credit card company debt with an equal lien, but not a primary lien with any foreclosure right of any kind whatsoever.
So, let's see what you've got, fax me a copy of your paperwork...and SAY A PRAYER!!! Hopefully you will have gone through these many frustrated months for a reason!!! For a blessing, especially for you and your family the only way the good Lord knows how to bring them. Never early, never late. Just in time. And always, sooooooo very much appreciated.
I hope to hear from you soon, Shawn,
Kelly L. Hansen
Recently posted in our blog:
ARE YOU YOUR OWN ATTORNEY?
DID WELLS FARGO ILLEGALLY FORCLOSE AGAINST YOU?
I'm writing you with excitng news! Victims of Wells Fargo Bank have been e-mailing in, one after another, telling me they are winning foreclosure lawsuits all over the country against WellsFargo using
DEFENDANT’S PRO SE MOTION TO DISMISS FOR LACK
OF SUBJECT MATTER JURISDICTION OVER THE CASE
WELLS FARGO VICTIMS HELP EACH OTHER FIGHT
AND WIN
AGAINST FRAUDUALANT WELLS FARGO BANK
ONE BITTERSWEET VICTORY AT A TIME
By Kelly L. Hansen
WELLS FARGO VICTIMS NOW VICTORIOUS
HAVE A SINGLE GOAL IN MIND...
TO SEE EVERY OTHER VICTIM OF BIG BANK GREED
REALIZE AMERICAN DREAMS DO STILL COME TRUE.
DO UNTO OTHER'S...
WELLS FARGO'S BAD DEEDS ARE GOING TO BITE THEM IN THE BUTT
Property law can different widely in each state. Wells Fargo Bank is subject to class action penalties in all states where they have not followed land conveyance statutes for recording, attaching, and perfecting a lien on the title of any parcel of real property upon which they have foreclosed.
First, when you received your Petition to Foreclose, did the Plaintiff's name match the name on your copy or the original Note provided to you after the final page of the Petition? ONLY THE OWNER OF THE NOTE CAN BRING A FORECLOSURE ACTION. Not a servicer. Not an assignee. Not anyone who has "stepped into the shoes of the first note holder." When an original Note is purchased the OWNER MUST register with the Register of Deeds Office in the County where the property is located.
If your original Note is purchased by another bank or mortgage company, if they fail to file a Satisfaction of Mortgage and you have asked them to do so in writing, they are subject to money damages in most states (amounts vary according to state) if they do not comply with your request within 20 days.
If Wells Fargo Bank never filed a lien against your Note with your County Register of Deeds Office they have not fulfilled their requirement to file, secure, attach, and perfect a lien against your property AND THEY DO NOT HAVE ANY LEGAL INTEREST IN YOUR REAL PROPERTY.
IF YOU ARE THREATENED WITH A FORECLOSURE: It is worthwhile to pay to have a title search done on your property. A licensed and bonded title expert will search your title for mistakes that will stop the Plaintiff's foreclosure in it's tracks. All assignments must be witnessed, signed, notarized, dated the same date, some states require a corporate seal, etc. It really is a detailed process. Mistakes are made everywhere. They are just waiting to be discovered in your Title ... they will stop WELLS FARGO BANK!
An Update From A Previous Rhode Island Victim!
I had a title search done and it was interesting to see what was found on it. RI General Laws state that in order for an assignment here to be legal, it has to be dually noted. On my assignment, there is a signature with a date of 10/31/06 and it was notarized on 11/08/06. It is Null and Void! Now I need to go into the courthouse and request a Declaratory Judgment but first, I am filing a Lis Pendens.
Kelly L. Hansen,esq (expect success quickly!)
ON FIRE Vigilante!
Changing WFHM Victims to VICTORIES!
33605 W. 88th Street
De Soto, KS 66018
913-220-1284 Phone
913-273-1448 Fax
ctsmyhon@yahoo.com
http://wfhmcaught.blogspot.com/
--------------------------------------------------------------------------------
From:
To: "ctsmyhon@yahoo.com"
Sent: Wed, March 3, 2010 1:45:38 PM
Subject: Can't even tell you
What a relief it is to see your blog and that people are starting to figure this out. We have been on the wait and see if we get a permanent loan mod with Wells Fargo for 15 months. We are frustrated, tired and just are wanting to give up. We know we can't, we want to fight for our home. I have a long drawn out story and am not sure where to submit it with you. I think it will help people to share.
So far we see no end in sight. We are in the post-HAMP trial period. This month would make our second payment post the trial (making it the 5th "new" payment) but we are stuck in the world of "update your paycheck stubs every 30 days horse crap). I want answers and that is the only answer we get.
I can't wait to read up on your blog now. Please let me know where I should submit our story. We are a young family with 4 kids. We live in CA and just want to keep our home and get to some kind of permanent mod so we can breathe.
Thanks for your time!
xxxxxx
"When injustice becomes law, resistance becomes duty"
-Thomas Jefferson
Kelly L. Hansen,esq (expect success quickly!)
ON FIRE Vigilante!
Changing WFHM Victims to VICTORIES!
33605 W. 88th Street
De Soto, KS 66018
913-220-1284 Phone
913-273-1448 Fax
ctsmyhon@yahoo.com
http://wfhmcaught.blogspot.com/
Cara K. Heiden, CEO
WELLS FARGO HOME MORTGAGE
cara.k.heiden@wellsfargo.com
515-324-3130
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
515-524-2416 Phone
515-524-2417 Fax
Todd M. Boothroyd
Senior Counsel, Real Estate Division
Todd.M.Boothroyd@wellsfargo.com
WELLS FARGO HOME MORTGAGE
Executive Communications OfficeMAC X2302-02J
800 S Jordan Creek Pkwy
West Des Moines, IA 50266
515-324-3130
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" @ ctsmyhon@yahoo.com
HOMEOWNERS BE INFORMED! ASK FOR WHAT YOU WANT.
HOMEOWNERS BE INFORMED!
ASK FOR WHAT YOU WANT.
Do NOT pay any "up-front" fees
Do NOT pay any so called "contribution payment"
Do NOT pay ANY AMOUNT AT ALL to refinance your mortgage
Do NOT pay ANY AMOUNT AT ALL for a loan modification
Do NOT pay ANY AMOUNT AT ALL to refinance your mortgage
Do NOT pay ANY AMOUNT AT ALL for a loan modification
IF FACING POSSIBLE FORECLOSURE Ask Wells Fargo to add all your late payments to the back end of the loan
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 payment 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
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. 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!!
CLASS ACTION SUITS take forever, and restitution is not, usually, equitable. Try contacting the people I suggest, and you won't need to sue, BUT please be sure to use a real estate attorney to give his seal of approval on any mortgage contract, re-fi, any loan documents, before signing any agreement.
I hope to hear your story if you are willing to share. It will help others.
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"
Please let me know if you don't receive a quick response. It never hurts to start pushing from every possible direction. http://www.swarmthebanks.com/
WFHM EXECUTIVE TEAM: REMAIN AWESOME.
YOU REGAIN OUR TRUST WITH EACH VICTORY!
YOUR EFFORTS ARE IMMEDIATELY
ACKNOWLEGED,
APPRECIATED
AND
ADVERTISED.
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"
Jeff Taylor'sVictory!
Hi Kelly,
Where do I start? I read your letter to my family tonight (taking a deep breath with every new sentence) Thank you! And yes, you can post any, and all of my stories. We're in this together.
The blog you posted saved our future! The key to ASC success was dealing with one individual, and after sending emails to Wells Fargo's President, V P, And CFO, I had a response in four days from ASC! My wife was the one who took the call that morning while I was out dropping off the kids at school, and when she called me on the road with the news which was:"We are calling you from the executive department of ASC, and are very sorry you have had to go through this, we are assigning you to an individual who is going to get things straight, and it doesn't get higher than this", I could not believe what I was hearing, something that we worked months on with nothing but confusion, misunderstandings, three months delinquent, then all of the sudden...this? It was like seeing 911 all over again, I don't believe what I'm seeing, and hearing!
I wept behind the wheel to the point of almost having to pull over, but continued driving because I needed to get home to my wife and hear it again in detail. As I walked through the door, I saw this look of disbelief in her eyes mixed with a joy I have not seen for a long, long time. When I sent those emails out, I never thought a reply was coming, but something happened. In the subject line of those emails read "Why do you want my home?" I proceeded to explain the 100's of horror stories written by ASC victims, and how they all sounded alike, as did mine. The one question they had to ask when contacting my wife that morning was "how did he get that email information?", and my wife's reply was "you can get almost anything off the internet these days", which is how I found you Kelly.
All I did was Google "ASC Complaints", and OMG, there you were, along with more than I could handle. Fox Television even contacted me based on a blog I submitted, and had been getting so many calls, yet mine stood out, and wanted to do a live interview with me at my home, but I had to decline, for that was the day we were to get the news on the Special Forbearance Option that was about to be put into motion. We got the forbearance, yet within a week, ASC called back, and based on a plan I suggested they use, was submitted to the investor, and they approved it three months ahead of schedule.
All of the delinquent payments were then rolled back into the loan, interest reduced, payments reduced, and the rest goes into the history books. I've got you to thank for this Kelly, and I have passed this info to others whom have contacted me, and told me that they are starting to move forward in a positive way. ASC has also told me that the plan I suggested they implement for us, will now be used in other situations. A plan that has never been used before. I'm a Realtor, suffering like everyone else, yet WAMU agreed to a loan mod on another property that I own, and worked so well, I had to tell ASC where they were falling short, and how this plan could make it a win, win situation for the both of us. 3% year one, 4.5%, year two, 5.7%, year three, and every year thereafter.
So there you go. It's snowballing, and God used you, as he has used me to help those who are at a total loss as to who to trust, and which direction to go. I still look back on that morning when I got that call from my wife, and immediately thought of you. I saved your blog in Microsoft word, and was able to retrieve it. I needed to say thank you over and over again. I'm a firm believer that when you do good for others, good comes back to you. You're a God send Kelly, and I owe so very much to you for what you have taught me. If not for that information I just happened to stumble across that day while on a last chance mission, our home would now be gone. A million hugs and kisses to you my dear, you to are a totally awesome person!
A wonderful Christmas to you and yours!
I believe in miracles Kelly, and whether you know it or not, God appointed you as my guardian Angel!
Warmest regards,
Jeff Taylor
Candace Bolin wrote:
Dear Ms. Hansen,
Thank you so much for the information. It was late last night when I received it. I have e-mailed
Todd and Sharon on the issue. There are not specifics in the e-mails though. It is getting pretty
redundant as you can well guess. Someone pointed me in a few different directions that I can
take locally too. I am not working now and this incident happened starting in 2006. It led to me having to
file bankruptcy on my home in July 2007. We did not have the funds to be able to recover from the
bankruptcy. They ended up selling my home for under half of what it was worth. Why didn't I get this
option? Mine actually started with health problems and I let ASC know this and that I had lost my job.
ASC asked for personal information to see if they could work out a repayment plan. They worked one
out that I agreed to and I had to Western Union them money. Then, come to find out, I could not afford
that plan and let them know a different arrangement had to be made. They told me that I was approximately
$300 under in income for what was needed for this. The payments adjusted from an approximate $700 a
month payment to a $1200 payment. I had to deal with the harassing phone calls, threatening of foreclosure,
eventually was sent a note from the local Sheriff's Department asking us (me, my husband and 2 children)
to leave my home. We were instructed to be out by March 20, 2008. We were out before then. I know there are probably statutes and limitations on some of this. So, I don't know how much can be done. Anyway, the eventual solution, advised by an attorney, we had to file CHPT. 7 Bankruptcy. I will also contact my attorney general for this state first and find out if anything can be done. Hopefully now, they (Wells Fargo) now know that all this went on with people coming forward. It really made no sense. Instead of reducing payments to where people can afford them and stay in their homes instead of it leading to what it did (meaning bankruptcy) is beyond me. Someone might ask our government at the time what was going on and no help out there really. Oh, I also contacted and paid a "so-called" foreclosure relief program. They could not help and took me for $1,000. I have contacted them and they have offered back half the money I paid to them for a "good-faith" effort. I have been sent the release form to sign, but will not until I contact an attorney. I had also tried to get re-financed with another company, but when I did, the same run-around practices were used. I kept that company's information as well. Anyway, if you have any more questions, feel free to contact me by e-mailing or calling me directly at (931) 267-6236 .
We have already had to go through the mental and physical anguise of losing our home
and starting over. I would like to be reimbursed for the situation I had to deal with, the mental
abuse, that led to physical ailments (stress is not good on a diabetic) and unethical practices of
WELLS FARGO HOME MORTGAGE'S SERVICING COMPANY: AMERICAS SERV ASC and be able to have the opportunity to buy again.
I have also sent this e-mail to Sharon and Todd as well. Thank you for taking the time to acknowledge this situation and do something about it, I plan to do the same.
Thank you,
Candace
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