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.
Thursday, April 30, 2009
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
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.
Tuesday, April 14, 2009
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
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
Saturday, March 28, 2009
WELLS FARGO QUICKLY CORRECTS AUTOMATIC DEDUCTION ERROR
Kelly,
The funds hit my account Wednesday evening. I paid and then asked for
a letter from each of the payees of the automatic deductions that were
rejected documenting the charges assessed.
Thanks, Ned
Kelly L. Hansen wrote:
I'm so happy to hear Stephanie Santi is providing the type of service
Wells Fargo is dedicated to providing to their customers! I look
forward to hearing from you when your situation is fully repaired and
the correct restitution is made so I can print your VICTORIOUS
experience on my webpage!
It's now Thursday, 3:44 PM CST, March 26, 2009. Please advise if you
have received full reimbursement for your difficult financial
experience.
And, if you would, include the names and/or titles of those people
involved in creating your error, and those people involved in
correcting your error.
Thank you for keeping me in the loop!
*/Ned Rodriguez/* wrote:
Kelly,
Stephanie Santi contacted me yesterday morning to advise that the
wire had been initiated. She later called to clarify that since
I belong to a small FCU, the funds might have to go through another
company before being placed in my account. My credit union told
me that was the case. It might not be deposited until Thursday.
Stephanie also asked for documentation as to the NSF charges by
the credit union. I faxed those yesterday afternoon. I am in
the process of documenting the assorted charges by Am Ex and the
utility companies for her.
Thanks, Ned
Kelly L. Hansen wrote:
Ned,
**
THANK YOU FOR YOUR E-MAIL!!
Did Stephanie Santi follow through first thing this morning as
promised?
Keep me updated. I'm certain Wells Fargo will provide full
restitution. Wells Fargo would not allow a valued account
holder to suffer the brunt of their employee's gross negligence. You
will not suffer any further due to this unfortunate mishap.
Certainly, reparations will be calculated and credited to your
account.
Please advise exactly what actions have been taken since you
last reported your experience to me. What costs have you
incurred thus far? Include all penalties charged by your bank
and other creditors for the incorrect report of "insufficient
funds" on your account. Obviously your account would not have
been insufficient has Wells Fargo not erred. And did Stephanie
Santi offer to provide you with a letter acknowleding their
errors? You should have this in case a creditor requests such a
letter.
It is my "job" to keep track of the service you have received,
good and bad, by whom, so I can be sure to credit the
appropriate Wells Fargo Staff for their fast actions to resolve
your problems as well as advise Wells Fargo of the names of
their staff who fell far short of providing the customer service in
which Wells Fargo prides themselves.
We need your help to assist Wells Fargo in making corrective
measures, and to assist Wells Fargo in assessing what total
monies due you, to be credited to your account, so you do not
suffer any economic discomfort, nor any personal injustice.
I look forward to hearing from you Ned!
My Photo <http://www.blogger.com/profile/07447695993101919220>
Kelly L. Hansen,esq (expect success quickly!)
ON FIRE Vigilante!
Changing WFHM Victims to VICTORIES!
33605 W. 88th Street
De Soto, KS 66018
504-579-2340
913-273-1448 Fax
ctsmyhon@yahoo.com
http://www.blogger.com/profile/07447695993101919220
http://wfhmcaught.blogspot.com/2009/01/homeowners-be-informed-ask-for-what-you.html
------------------------------------------------------------------------
*From:* Ned Rodriguez nedrod@pacbell.net
*To:* Kelly L. Hansen ctsmyhon@yahoo.com
*Sent:* Monday, March 23, 2009 8:17:38 PM
*Subject:* Re: E-MAIL ME ON MONDAY AFTERNOON AND ADVISE IF YOU
HAVE RECEIVED A CALL FROM WELLS FARGO'S EXECUTIVE COMMUNICATIONS
OFFICE
Kelly,
Stephanie Santi called this afternoon to advise that, although it
was too late to stop payment and wire the funds to our account,
she would do it first thing tomorrow. I called my bank to make
them aware of the situation. As to the letter and reimbursement,
no mention was made by Ms. Santi but I will press the issue after
the funds are in my account.
The phone number I used to contact WF was 866 234 8271.
Thanks again,
Ned
Kelly L. Hansen wrote:
Ned,
I've been hoping to hear from you - are you being helped?
Let me know what I can do...*
Ned,
Yes, I am extremely interested in your situation and I thank
you for taking time to share your story with me. I want to
encourage you by letting you know your experience is almost
identical to many others who have e-mailed me, and once the WFHM
Executive Communication Team gets involved, YOU WILL BE AMAZED
BY THEIR ABILITY TO QUICKLY RESOLVE AND MAKE RESTITUTION FOR YOUR
EACH AND EVERY INCONVENIENCE. After all, they dropped the ball.
Ned, I'm confident Sharon Cecil, or one of the executives in the
Wells Fargo Home Mortgage Executive Communicatons office will
provide you with an immediate response and will reimburse you
for all monies, fees and penalties includedcomplete restitution
overnighted to you I will be shocked! We've seen cases just
like yours, and the contacts I have given you are excellent in
MEETING YOUR NEEDS QUICKLY -- *_usually overnight_*.
As soon as you receive a response, e-mail me. If it is not
FAST, and if it does not include a letter from WFHM's CEO Cara,
or VP Mary Coffin, or their assistant Sharon Cecil, tell them
you need the letter. Offer to write it for them, but tell them it
needs to be written on their letterhead and signed by the
appropriate executive. Yo will need to show it to your other
creditors, your bank, and possibly the credit repositories to
correct any negative reports and to receive credits for ALL
PENALTY FEES you were charged.
This situation was NOT brought on by you, you did not make
the mistake. Demand to be reimbursed FULLY, and a letter. Please
keep in touch -- don't let a single day pass without contacting
Sharon Cecil.
When you have time, I also would like to know the numbers
you dialed to reach the customer service agents you mention in
your letter. Their unprofessional attitudes and comments, and
failure to provide you with resolution, needs to be addressed as
soon as possible.
My Photo http://www.blogger.com/profile/07447695993101919220
Kelly L. Hansen, esq (expect success quickly!)
ON FIRE Vigilante!
Changing WFHM Victims to VICTORIES!
33605 W. 88th Street
De Soto, KS 66018
504-579-2340
913-273-1448 Fax
ctsmyhon@yahoo.com mailto:ctsmyhon@yahoo.com
http://www.blogger.com/profile/07447695993101919220
http://wfhmcaught.blogspot.com/2009/01/homeowners-be-informed-ask-for-what-you.html
From:* Ned Rodriguez
mailto:nedrod@pacbell.net>
To:* ctsmyhon@yahoo.com mailto:ctsmyhon@yahoo.com
Sent:* Sunday, March 22, 2009 10:57:15 AM
Subject:* Wells Fargo problem
My wife and I have a problem which I thought you might be
interested. Rather than restating it, I am sending you a copy
of the email and letter I am sending to those executives you
listed:
Our mortgage payment to Wells Fargo was structured to
automatically deduct from our checking account on the first of
each month. We streamlined our loan through another company to
reduce our payment in February 2009. Escrow closed and funds
were disbursed on Feb. 25. We were mistakenly told that our
payment for March had been canceled. On March 2 the payment
($1947) was taken by Wells Fargo from our checking account. I
called the same day and advised the person assisting me, "Joe",
of the situation. He advised that the funds would be returned
by wire the following day. On March 4, I called again to advise
that the funds had not been returned and that I needed them to
pay my bills. That person, "Janina", advised that records
indicated that they were in the process of returning them and to
give it until Thursday, the 5th. On the morning of March 6, I
called again and spoke to "Cece". She advised that records
indicated that the funds had been disbursed and that if they
were not in my account that day, to call again and speak to a
supervisor. I called that afternoon and spoke to a supervisor.
He advised that the other persons I had spoken to were mistaken.
He explained that by law the funds were being held and would be
disbursed later with the rest of the escrow account. By now, my
checking account contained $1.56, bills on automatic deduct were
being returned and I was being charged for each as a returned
check. Further, the companies who were being denied their
payments were also charging fees. The supervisor said he
understood our problem and would expedite the disbursement of
escrow funds.
The funds were disbursed on Friday, March 13 and sent to me by
mail. We have not received them. I have called twice since
then attempting to convey the impact to us. The last young lady with
whom I spoke (Friday March 20) advised that it was my fault
since
the terms under which I authorized the automatic deduction
"clearly"(?) stated that I had to advise Wells Fargo ten days in
advance to stop it. She further advised that I must wait
fifteen business days for the mailed payment to reach us before Wells
Fargo was required to stop payment and reissue. When I told her
that we receive mail from all over the U. S., and it arrives
within four days (not business days), she told me that this mail
was coming from Iowa (I guess Iowa must be on another planet).
So far, my car insurance payment is late (no insurance until
paid); American Express attempted to take their payment four
times from the account (they canceled my business card because
a "hard and fast rule"); my life insurance payment is late; two
of my utility payments are late. I should also include that my
wife is an epileptic and stress can and does trigger seizures.
I know that your company is legally not required to do
anything more than what has been done. You don't have to reissue until
April 3 and that you can just mail another check after that day.
If that is how you would want someone close to you treated, just
let me know and I'll stop bothering you. If you feel that your
company can do more, would you please stop payment and either
wire the money to my account or overnight the check. I would
gladly pay whatever it costs you to do that.
I am going to send this out tomorrow after I check my mail. I
will keep you posted.
Thank you very much for the information on your site and the
work you are doing,
Edmund and Emily Rodriguez
nedrod@pacbell.net mailto:nedrod@pacbell.net
mailto:nedrod@pacbell.net mailto:nedrod@pacbell.net>
My Photo http://www.blogger.com/profile/07447695993101919220
Kelly L. Hansen,esq (expect success quickly!)
ON FIRE Vigilante!
Changing WFHM Victims to VICTORIES!
33605 W. 88th Street
De Soto, KS 66018
504-579-2340
913-273-1448 Fax
ctsmyhon@yahoo.com
http://www.blogger.com/profile/07447695993101919220
http://wfhmcaught.blogspot.com/2009/01/homeowners-be-informed-ask-for-what-you.html
The funds hit my account Wednesday evening. I paid and then asked for
a letter from each of the payees of the automatic deductions that were
rejected documenting the charges assessed.
Thanks, Ned
Kelly L. Hansen wrote:
I'm so happy to hear Stephanie Santi is providing the type of service
Wells Fargo is dedicated to providing to their customers! I look
forward to hearing from you when your situation is fully repaired and
the correct restitution is made so I can print your VICTORIOUS
experience on my webpage!
It's now Thursday, 3:44 PM CST, March 26, 2009. Please advise if you
have received full reimbursement for your difficult financial
experience.
And, if you would, include the names and/or titles of those people
involved in creating your error, and those people involved in
correcting your error.
Thank you for keeping me in the loop!
*/Ned Rodriguez
Kelly,
Stephanie Santi contacted me yesterday morning to advise that the
wire had been initiated. She later called to clarify that since
I belong to a small FCU, the funds might have to go through another
company before being placed in my account. My credit union told
me that was the case. It might not be deposited until Thursday.
Stephanie also asked for documentation as to the NSF charges by
the credit union. I faxed those yesterday afternoon. I am in
the process of documenting the assorted charges by Am Ex and the
utility companies for her.
Thanks, Ned
Kelly L. Hansen wrote:
Ned,
**
THANK YOU FOR YOUR E-MAIL!!
Did Stephanie Santi follow through first thing this morning as
promised?
Keep me updated. I'm certain Wells Fargo will provide full
restitution. Wells Fargo would not allow a valued account
holder to suffer the brunt of their employee's gross negligence. You
will not suffer any further due to this unfortunate mishap.
Certainly, reparations will be calculated and credited to your
account.
Please advise exactly what actions have been taken since you
last reported your experience to me. What costs have you
incurred thus far? Include all penalties charged by your bank
and other creditors for the incorrect report of "insufficient
funds" on your account. Obviously your account would not have
been insufficient has Wells Fargo not erred. And did Stephanie
Santi offer to provide you with a letter acknowleding their
errors? You should have this in case a creditor requests such a
letter.
It is my "job" to keep track of the service you have received,
good and bad, by whom, so I can be sure to credit the
appropriate Wells Fargo Staff for their fast actions to resolve
your problems as well as advise Wells Fargo of the names of
their staff who fell far short of providing the customer service in
which Wells Fargo prides themselves.
We need your help to assist Wells Fargo in making corrective
measures, and to assist Wells Fargo in assessing what total
monies due you, to be credited to your account, so you do not
suffer any economic discomfort, nor any personal injustice.
I look forward to hearing from you Ned!
My Photo <http://www.blogger.com/profile/07447695993101919220>
Kelly L. Hansen,esq (expect success quickly!)
ON FIRE Vigilante!
Changing WFHM Victims to VICTORIES!
33605 W. 88th Street
De Soto, KS 66018
504-579-2340
913-273-1448 Fax
ctsmyhon@yahoo.com
http://www.blogger.com/profile/07447695993101919220
http://wfhmcaught.blogspot.com/2009/01/homeowners-be-informed-ask-for-what-you.html
------------------------------------------------------------------------
*From:* Ned Rodriguez nedrod@pacbell.net
*To:* Kelly L. Hansen ctsmyhon@yahoo.com
*Sent:* Monday, March 23, 2009 8:17:38 PM
*Subject:* Re: E-MAIL ME ON MONDAY AFTERNOON AND ADVISE IF YOU
HAVE RECEIVED A CALL FROM WELLS FARGO'S EXECUTIVE COMMUNICATIONS
OFFICE
Kelly,
Stephanie Santi called this afternoon to advise that, although it
was too late to stop payment and wire the funds to our account,
she would do it first thing tomorrow. I called my bank to make
them aware of the situation. As to the letter and reimbursement,
no mention was made by Ms. Santi but I will press the issue after
the funds are in my account.
The phone number I used to contact WF was 866 234 8271.
Thanks again,
Ned
Kelly L. Hansen wrote:
Ned,
I've been hoping to hear from you - are you being helped?
Let me know what I can do...*
Ned,
Yes, I am extremely interested in your situation and I thank
you for taking time to share your story with me. I want to
encourage you by letting you know your experience is almost
identical to many others who have e-mailed me, and once the WFHM
Executive Communication Team gets involved, YOU WILL BE AMAZED
BY THEIR ABILITY TO QUICKLY RESOLVE AND MAKE RESTITUTION FOR YOUR
EACH AND EVERY INCONVENIENCE. After all, they dropped the ball.
Ned, I'm confident Sharon Cecil, or one of the executives in the
Wells Fargo Home Mortgage Executive Communicatons office will
provide you with an immediate response and will reimburse you
for all monies, fees and penalties includedcomplete restitution
overnighted to you I will be shocked! We've seen cases just
like yours, and the contacts I have given you are excellent in
MEETING YOUR NEEDS QUICKLY -- *_usually overnight_*.
As soon as you receive a response, e-mail me. If it is not
FAST, and if it does not include a letter from WFHM's CEO Cara,
or VP Mary Coffin, or their assistant Sharon Cecil, tell them
you need the letter. Offer to write it for them, but tell them it
needs to be written on their letterhead and signed by the
appropriate executive. Yo will need to show it to your other
creditors, your bank, and possibly the credit repositories to
correct any negative reports and to receive credits for ALL
PENALTY FEES you were charged.
This situation was NOT brought on by you, you did not make
the mistake. Demand to be reimbursed FULLY, and a letter. Please
keep in touch -- don't let a single day pass without contacting
Sharon Cecil.
When you have time, I also would like to know the numbers
you dialed to reach the customer service agents you mention in
your letter. Their unprofessional attitudes and comments, and
failure to provide you with resolution, needs to be addressed as
soon as possible.
My Photo http://www.blogger.com/profile/07447695993101919220
Kelly L. Hansen, esq (expect success quickly!)
ON FIRE Vigilante!
Changing WFHM Victims to VICTORIES!
33605 W. 88th Street
De Soto, KS 66018
504-579-2340
913-273-1448 Fax
ctsmyhon@yahoo.com mailto:ctsmyhon@yahoo.com
http://www.blogger.com/profile/07447695993101919220
http://wfhmcaught.blogspot.com/2009/01/homeowners-be-informed-ask-for-what-you.html
From:* Ned Rodriguez
mailto:nedrod@pacbell.net>
To:* ctsmyhon@yahoo.com mailto:ctsmyhon@yahoo.com
Sent:* Sunday, March 22, 2009 10:57:15 AM
Subject:* Wells Fargo problem
My wife and I have a problem which I thought you might be
interested. Rather than restating it, I am sending you a copy
of the email and letter I am sending to those executives you
listed:
Our mortgage payment to Wells Fargo was structured to
automatically deduct from our checking account on the first of
each month. We streamlined our loan through another company to
reduce our payment in February 2009. Escrow closed and funds
were disbursed on Feb. 25. We were mistakenly told that our
payment for March had been canceled. On March 2 the payment
($1947) was taken by Wells Fargo from our checking account. I
called the same day and advised the person assisting me, "Joe",
of the situation. He advised that the funds would be returned
by wire the following day. On March 4, I called again to advise
that the funds had not been returned and that I needed them to
pay my bills. That person, "Janina", advised that records
indicated that they were in the process of returning them and to
give it until Thursday, the 5th. On the morning of March 6, I
called again and spoke to "Cece". She advised that records
indicated that the funds had been disbursed and that if they
were not in my account that day, to call again and speak to a
supervisor. I called that afternoon and spoke to a supervisor.
He advised that the other persons I had spoken to were mistaken.
He explained that by law the funds were being held and would be
disbursed later with the rest of the escrow account. By now, my
checking account contained $1.56, bills on automatic deduct were
being returned and I was being charged for each as a returned
check. Further, the companies who were being denied their
payments were also charging fees. The supervisor said he
understood our problem and would expedite the disbursement of
escrow funds.
The funds were disbursed on Friday, March 13 and sent to me by
mail. We have not received them. I have called twice since
then attempting to convey the impact to us. The last young lady with
whom I spoke (Friday March 20) advised that it was my fault
since
the terms under which I authorized the automatic deduction
"clearly"(?) stated that I had to advise Wells Fargo ten days in
advance to stop it. She further advised that I must wait
fifteen business days for the mailed payment to reach us before Wells
Fargo was required to stop payment and reissue. When I told her
that we receive mail from all over the U. S., and it arrives
within four days (not business days), she told me that this mail
was coming from Iowa (I guess Iowa must be on another planet).
So far, my car insurance payment is late (no insurance until
paid); American Express attempted to take their payment four
times from the account (they canceled my business card because
a "hard and fast rule"); my life insurance payment is late; two
of my utility payments are late. I should also include that my
wife is an epileptic and stress can and does trigger seizures.
I know that your company is legally not required to do
anything more than what has been done. You don't have to reissue until
April 3 and that you can just mail another check after that day.
If that is how you would want someone close to you treated, just
let me know and I'll stop bothering you. If you feel that your
company can do more, would you please stop payment and either
wire the money to my account or overnight the check. I would
gladly pay whatever it costs you to do that.
I am going to send this out tomorrow after I check my mail. I
will keep you posted.
Thank you very much for the information on your site and the
work you are doing,
Edmund and Emily Rodriguez
nedrod@pacbell.net mailto:nedrod@pacbell.net
mailto:nedrod@pacbell.net mailto:nedrod@pacbell.net>
My Photo http://www.blogger.com/profile/07447695993101919220
Kelly L. Hansen,esq (expect success quickly!)
ON FIRE Vigilante!
Changing WFHM Victims to VICTORIES!
33605 W. 88th Street
De Soto, KS 66018
504-579-2340
913-273-1448 Fax
ctsmyhon@yahoo.com
http://www.blogger.com/profile/07447695993101919220
http://wfhmcaught.blogspot.com/2009/01/homeowners-be-informed-ask-for-what-you.html
Monday, March 16, 2009
GARY LINGREN NEEDS TO BE FIRED. HE IS A WASTE OF SPACE. WHERE ON THE TOTEM POLE IS ANDREW SWINEHART? IS ANY BODY HOME??? HELLO?
KELLY DAVIS READY TO FILE SUIT
AGAINST WELLS FARGO
THEY STOLE HER HOME
MARCH 3, 2009!!!
WELLS FARGO MORTGAGE LOAN HOLDERS!!
HELP EACH OTHER SINCE WELLS FARGO IS
KEEPING OUR BAILOUT MONEY!
IF YOU ARE WILLING TO HOLD BACK PAYMENTS
TO FORCE WELLS FARGO TO TAKE CARE OF HOME OWNERS
EMAIL: Kelly L. Hansen, ctsmyhon@yahoo.com
WHEN IS ENOUGH GOING TO BE ENOUGH?
AGAINST WELLS FARGO
THEY STOLE HER HOME
MARCH 3, 2009!!!
WELLS FARGO MORTGAGE LOAN HOLDERS!!
DO NOT MAKE YOUR HOME LOAN PAYMENTS
IN APRIL/JUNE/AUG/OCT/DEC 2009!!!!!!
WE HAVE GOT TO STICK TOGETHER AND
HELP EACH OTHER SINCE WELLS FARGO IS
KEEPING OUR BAILOUT MONEY!
IF YOU ARE WILLING TO HOLD BACK PAYMENTS
TO FORCE WELLS FARGO TO TAKE CARE OF HOME OWNERS
EMAIL: Kelly L. Hansen, ctsmyhon@yahoo.com
WHEN IS ENOUGH GOING TO BE ENOUGH?
NOW!
IT'S NOT SPRING BREAK AT WELLS FARGO & CO. -- YOU'VE BEEN ON THE UPSWING -- YOUR EFFORTS TO GET PEOPLE LIKE ANDREW AND GARY LINGREN OUT OF COMOTOSE MODE WOULD BE GREATLY APPRECIATED. A LITTLE HELP, PLEASE????
WELLS FARGO HOME MORTGAGE!!!
CARA K. HEIDEN???? HELLO?
MIKE HEID?
IT'S NOT SPRING BREAK AT WELLS FARGO & CO. -- YOU'VE BEEN ON THE UPSWING -- YOUR EFFORTS TO GET PEOPLE LIKE ANDREW AND GARY LINGREN OUT OF COMOTOSE MODE WOULD BE GREATLY APPRECIATED. A LITTLE HELP, PLEASE????
WELLS FARGO HOME MORTGAGE!!!
CARA K. HEIDEN???? HELLO?
MIKE HEID?
TOO MANY VICTIMS....COMING IN FASTER AND FASTER!
AND YOU AREN'T HELPING! VICTORIES COMING IN AT A SNAILS PACE.
GARY LINGRIN: NEEDS A FIRE LIT UNDER HIS ASS! HE LIED TO CANDACE BOWLIN FOR 2 MONTHS. ABSOLUTELY UNACCEPTABLE! TENNESSEE LAWS WERE BROKEN AND CANDACE BOWLIN WILL NOT STOP UNTI SHE RECEIVES FAIR COMPENSATION FOR HER ANGUISH! WOULD YOU NOT EXPECT THE SAME?
NOW HERE IS ANOTHER DEAR HEART: KELLY DAVIS -- SEE HER E-MAIL TO ME, BELOW IS MY RESPONSE TO HER. THESE PEOPLE NEED HELP FAST.
WFHM BE FORWARNED: IF A SINGLE HURT HOMEOWNER IS SHUT DOWN DUE TO YOUR (NOW BECOMING VERY OBVIOUS) ILLEGAL FORECLOSURES -- THE FUN HAS JUST BEGUN.
AND YOU AREN'T HELPING! VICTORIES COMING IN AT A SNAILS PACE.
GARY LINGRIN: NEEDS A FIRE LIT UNDER HIS ASS! HE LIED TO CANDACE BOWLIN FOR 2 MONTHS. ABSOLUTELY UNACCEPTABLE! TENNESSEE LAWS WERE BROKEN AND CANDACE BOWLIN WILL NOT STOP UNTI SHE RECEIVES FAIR COMPENSATION FOR HER ANGUISH! WOULD YOU NOT EXPECT THE SAME?
NOW HERE IS ANOTHER DEAR HEART: KELLY DAVIS -- SEE HER E-MAIL TO ME, BELOW IS MY RESPONSE TO HER. THESE PEOPLE NEED HELP FAST.
WFHM BE FORWARNED: IF A SINGLE HURT HOMEOWNER IS SHUT DOWN DUE TO YOUR (NOW BECOMING VERY OBVIOUS) ILLEGAL FORECLOSURES -- THE FUN HAS JUST BEGUN.
YOU'VE NOT REACHED OUT, AN IOTA, IN GOOD FAITH. SHARON CECIL HAS. RICK KEPHART. MATT HOEN. THEY ARE YOUR GOOD GUYS. YOU NEED A FEW MORE. WELLS FARGO -- WAKE UP. I NEED YOU TO SHOW ME CONSTANT ACTIVITY TAKING CARE OF YOUR CLIENTS. I AM TRYING TO HELP YOU, BUT IF I CAN ONLY GET SHARON CECIL, CARA HEIDEN, AND A FEW OTHERS TO GET OFF THEIR BUTTS AND DO THEIR JOBS, THIS IS GOING TO GO NOWHERE FAST.
IF THE WHOLLY OWNED SUBSIDIARY DBA UNDER WELLS FARGO NATIONAL ASSOCIATION (one among many) DIVISIONS, YOUR CORPORATE UMBRELLA WILL NOT BE A SAFE HIDING PLACE. IF, AT THE TIME OF FILING, YOU WERE NOT PROPERLY LICENCED, I WILL CONTACT EVERY SINGLE PERSON FACING FORECLOSURE CURRENTLY ON THE COUNTIES COURT DOCKETS AND EVERY SINGLE PERSON FORECLOSED UPON WITHIN THE PAST TWO YEARS.
THE PRESS WILL SEE THAT IS PUBLISHED ALL OVER THE WEB, THE PAPERS, THE NEWS.
WELLS FARGO & CO: WE WILL PUSH UNTIL REPARATION IS MADE TO THOSE INDIVIDUALS FIGHTING FOR IT. AND THEN WE'LL GO SEEK OUT AND HELP THOSE WHOSE STRENGTH AND HOPE HAS BEEN WIPED AWAY BY YOUR SHOCKING GREED.
WELLS FARGO .... CAUGHT ..... DOING WHAT, EXACTLY?
YOU HAVE BAILOUTS, LOAN MODS, GOODWILL DEDUCTIONS, TAX SHELTERS.
WELLS FARGO & CO: WE WILL PUSH UNTIL REPARATION IS MADE TO THOSE INDIVIDUALS FIGHTING FOR IT. AND THEN WE'LL GO SEEK OUT AND HELP THOSE WHOSE STRENGTH AND HOPE HAS BEEN WIPED AWAY BY YOUR SHOCKING GREED.
WELLS FARGO .... CAUGHT ..... DOING WHAT, EXACTLY?
YOU HAVE BAILOUTS, LOAN MODS, GOODWILL DEDUCTIONS, TAX SHELTERS.
YOU HAVE BEEN FULLY REIMBURSED FOUR TIMES OVER FOR EACH AND EVERY FORECLOSURE! WHAT IS WRONG WITH YOU PEOPLE? START TAKING CARE OF THE CLIENTS WHERE YOU ARE RESPONSIBLE FOR THE ERRORS THAT COST THEM THEIR HOMES!
###########################################################################
FROM: KELLY DAVIS - MARCH 16, 2009
More info fast please -- are you still in your home? Do you want to remain in your home? Loan number (only last four digits if that makes you feel more secure.) Your home address, full name please.
What state did the foreclosure take place in?
Who was your mortgage loan originator?
What year did it originate?
Was your mortgage AND NOTE sold to a different mortgage company?
OR, was JUST YOUR MORTGAGE transferred for servicing.
I know you are frustrated, pissed, and sick of the whole thing -- BUT HANG IN THERE FOR ME.
Foreclosure judgments are getting thrown out all over the country!!!!
SAY YOUR PRAYERS - STARTING THIS MINUTE!! I WILL JOIN YOU.
Now, they've done to you what they are doing to millions: CAUSING FORECLOSURES! Pretend errors in escrow, insurance, property taxes, etc.
Have you posted your full story anywhere? Cut and paste it into an e-mail so you don't have to re-write it, but I need to have the details of your story as fast as you can get them to me
VERY IMPORTANT:
I DO understand your paid, Ms. Kelly Davis, and my HEARTS DESIRE will not be fulfilled until you received reparation.
I need you to TAKE 30 MINUTES: List your damages -- and a price. I will help guide you on this once I know you story.
WHERE DID YOU SEE MY CONTACT INFORMATION???
I'm starting on your project THIS MINUTE -- Please help me help you by getting back to me ASAP!
Do not ever stop believing, even at this incredibly difficult time. Remember, God may have needed to take that house so he can kick WFHM bootie into buying you a better one.
BELIEVE!!!
Kelly Daviswrote:
I would also like to file a suit aginst WF home mortgage. They rised our payments by $500 making us not afford our home. We were foreclosed on March 3, 2009.
Kelly
Kelly L. Hansen,esq (expect success quickly!)
ON FIRE Vigilante!Changing WFHM Victims to VICTORIES!
33605 W. 88th Street
De Soto, KS 66018
504-579-2340
913-273-1448
ctsmyhon@yahoo.com
###########################################################################
FROM: KELLY DAVIS - MARCH 16, 2009
More info fast please -- are you still in your home? Do you want to remain in your home? Loan number (only last four digits if that makes you feel more secure.) Your home address, full name please.
What state did the foreclosure take place in?
Who was your mortgage loan originator?
What year did it originate?
Was your mortgage AND NOTE sold to a different mortgage company?
OR, was JUST YOUR MORTGAGE transferred for servicing.
I know you are frustrated, pissed, and sick of the whole thing -- BUT HANG IN THERE FOR ME.
Foreclosure judgments are getting thrown out all over the country!!!!
SAY YOUR PRAYERS - STARTING THIS MINUTE!! I WILL JOIN YOU.
Now, they've done to you what they are doing to millions: CAUSING FORECLOSURES! Pretend errors in escrow, insurance, property taxes, etc.
Have you posted your full story anywhere? Cut and paste it into an e-mail so you don't have to re-write it, but I need to have the details of your story as fast as you can get them to me
VERY IMPORTANT:
I DO understand your paid, Ms. Kelly Davis, and my HEARTS DESIRE will not be fulfilled until you received reparation.
I need you to TAKE 30 MINUTES: List your damages -- and a price. I will help guide you on this once I know you story.
WHERE DID YOU SEE MY CONTACT INFORMATION???
I'm starting on your project THIS MINUTE -- Please help me help you by getting back to me ASAP!
Do not ever stop believing, even at this incredibly difficult time. Remember, God may have needed to take that house so he can kick WFHM bootie into buying you a better one.
BELIEVE!!!
Kelly Davis
I would also like to file a suit aginst WF home mortgage. They rised our payments by $500 making us not afford our home. We were foreclosed on March 3, 2009.
Kelly
Kelly L. Hansen,esq (expect success quickly!)
ON FIRE Vigilante!Changing WFHM Victims to VICTORIES!
33605 W. 88th Street
De Soto, KS 66018
504-579-2340
913-273-1448
ctsmyhon@yahoo.com
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