Cat
Hendersonville,#2Consumer Suggestion
Wed, October 15, 2008
First off the only reason a realtor would show up is that the mortgage co's are required to post a "notice to forclouse" in the local paper, so that is proabably why he showed up and wanted to look at your house. He was looking for a quick sale. I do inspections for houses that are already vacated where owners just walked away and yes many do just walk away. They leave everything in their home including live pets, so no not all are "forced out as so many would have you believe. So, if you have the money to bring it current, that is what i suggest you do. Believe me, there are enough houses that are vacant and do not need your home as yet another one. Stop platying their game of call back in two days. Demand to know the payment today and send it over night tomorrow. speak clearly. "I refuse to allow you to forclouse on my house. Here is my payment ofx amont of dollars. Keep the overnight tracking number and all your emails for ever and ever to come. I see this every day, if I can be of help, I would be happy to help someone. Peace, Cat
Rich
El Dorado Hills,#3Author of original report
Wed, October 15, 2008
Update on my original complaint. We finally received a notice via regular first class mail that we have to vacate our property within 60 days. We sent in a letter of dispute to Wells Fargo to the number that they gave us starting last Tuesday, October 7 about once per hour. We have called them everyday and they say that they have not received our fax even though we get a printout that says the fax was sent without a problem. We are in the process of trying to find a lawyer to help us as it seems as though Wells Fargo is intent on taking our home away. We have even offered to pay off the mortgage and they say that they will not do anything until the house is vacated. Does anyone out there who have gone this far with Wells Fargo have any pertinent advice as to what to do next? Any advice would be appreciated.
Been There Done That
Ashburn,#4Consumer Suggestion
Fri, October 10, 2008
I am a bit confused. I dont understand how it could have been "foreclosed" as you state and you not know. You are required to receive, by the trustee, for the mtge company a notice of sale for the property. It cannot be foreclosed on, to my knowledge, without this step so something is missing. Are you saying this letter was never recived notifying you of the sale date (it should have come certified or registered mail)? If not, then I would investigate that angle but I'm pretty sure if the agent found out then it had to have been noticed out to you. Also, the notice of sale is also required to be placed in your local newspaper as well. I think you all may have overlooked a very vital piece of advice from Wells. If you can find the trustee, usually an attorneys office, they would also post a list of pending sales with time and date of the sale you can verify with them if the sale was actually conducted. I honestly dont think it was intentional but these people just arent prepared for these market conditions and are overworked, underpaid and under trained. I would skip supervisors, management etc and focus on digging up this notice of sale and they prove it was sent to you. Maybe thats an alternative.
Been There Done That
Ashburn,#5Consumer Suggestion
Fri, October 10, 2008
I am a bit confused. I dont understand how it could have been "foreclosed" as you state and you not know. You are required to receive, by the trustee, for the mtge company a notice of sale for the property. It cannot be foreclosed on, to my knowledge, without this step so something is missing. Are you saying this letter was never recived notifying you of the sale date (it should have come certified or registered mail)? If not, then I would investigate that angle but I'm pretty sure if the agent found out then it had to have been noticed out to you. Also, the notice of sale is also required to be placed in your local newspaper as well. I think you all may have overlooked a very vital piece of advice from Wells. If you can find the trustee, usually an attorneys office, they would also post a list of pending sales with time and date of the sale you can verify with them if the sale was actually conducted. I honestly dont think it was intentional but these people just arent prepared for these market conditions and are overworked, underpaid and under trained. I would skip supervisors, management etc and focus on digging up this notice of sale and they prove it was sent to you. Maybe thats an alternative.
Been There Done That
Ashburn,#6Consumer Suggestion
Fri, October 10, 2008
I am a bit confused. I dont understand how it could have been "foreclosed" as you state and you not know. You are required to receive, by the trustee, for the mtge company a notice of sale for the property. It cannot be foreclosed on, to my knowledge, without this step so something is missing. Are you saying this letter was never recived notifying you of the sale date (it should have come certified or registered mail)? If not, then I would investigate that angle but I'm pretty sure if the agent found out then it had to have been noticed out to you. Also, the notice of sale is also required to be placed in your local newspaper as well. I think you all may have overlooked a very vital piece of advice from Wells. If you can find the trustee, usually an attorneys office, they would also post a list of pending sales with time and date of the sale you can verify with them if the sale was actually conducted. I honestly dont think it was intentional but these people just arent prepared for these market conditions and are overworked, underpaid and under trained. I would skip supervisors, management etc and focus on digging up this notice of sale and they prove it was sent to you. Maybe thats an alternative.
Been There Done That
Ashburn,#7Consumer Suggestion
Fri, October 10, 2008
I am a bit confused. I dont understand how it could have been "foreclosed" as you state and you not know. You are required to receive, by the trustee, for the mtge company a notice of sale for the property. It cannot be foreclosed on, to my knowledge, without this step so something is missing. Are you saying this letter was never recived notifying you of the sale date (it should have come certified or registered mail)? If not, then I would investigate that angle but I'm pretty sure if the agent found out then it had to have been noticed out to you. Also, the notice of sale is also required to be placed in your local newspaper as well. I think you all may have overlooked a very vital piece of advice from Wells. If you can find the trustee, usually an attorneys office, they would also post a list of pending sales with time and date of the sale you can verify with them if the sale was actually conducted. I honestly dont think it was intentional but these people just arent prepared for these market conditions and are overworked, underpaid and under trained. I would skip supervisors, management etc and focus on digging up this notice of sale and they prove it was sent to you. Maybe thats an alternative.