Happy Sunday! Get this....

[Justpoor]

My phone was ringing off the hook now since June 1st so this morning I decide to finally answer it. It was Wells Fargo! My mortgage company who I am not late on! They said they are calling to collect a debt. I told then that I thought I had until the grace period of the 15th. They said that since I applied for a modification and was declined my payment is due on the 1st and ....are you ready for this....they want to know if I would like to start the liquidation process! Again, I am not even behind on my mortgage! I told them I was visiting with my attorney his week and would get back to them. My house has chinese drywall and is virtually worthless. I hope they get stuck with it forever.

[dingdong]

Futher proof of why I hate WF!

They are the worst Futher Mucker bank out there.

How does applying for a mod change the terms of your mortgage note?

Did you sign something to that effect?

Are you allowed to record calls in your state. Flip the switch on a recorder and see if they are violating some law.

They suck!

[LuciluS]

My phone was ringing off the hook now since June 1st so this morning I decide to finally answer it. It was Wells Fargo! My mortgage company who I am not late on! They said they are calling to collect a debt. I told then that I thought I had until the grace period of the 15th. They said that since I applied for a modification and was declined my payment is due on the 1st and ....are you ready for this....they want to know if I would like to start the liquidation process! Again, I am not even behind on my mortgage! I told them I was visiting with my attorney his week and would get back to them. My house has chinese drywall and is virtually worthless. I hope they get stuck with it forever.

Yikes! Hope your Attorney calls you Monday. I know in some Districts you do NOT have to be current like dingdong said in her post to you, but I know in AR, our Attorney told us we had to be current and we want to reaffirm IF it leaves the due date as the 1st, BUT not late until the 15th. My SSD makes our house payment & I receive it the 2nd Wed. of every month.

Can understand you were denied modification, but does it state you must pay on the 1st now. I think some of those collectors don't even know their company's policies.

Luci

[Justpoor]

I hadn't signed anything! I just applied for the Obama modification. I just think it is so funny that you can always pay your mortgage on time (by the 15th), never ever missing a payment and this is how they treat you. It really makes me never want to buy a home again unless it's for cash.

[Flowers]

that is screwy. . . .

I think what you have to be is LATE on payments, like 3 mo. behind in order to be elligible for the Obama plan or even a modification.
Must prove your inability to pay by not paying.

[liz417]

I just filed ch 7 and have my mortgage with WF. Anyway, I always pay my mortgage before the 15th online and/or at the branch. When I went in to the branch on Friday to pay, I was told I needed to contact the 1800 #, immediately I knew the problem...when I called, they told me I had to mail my payments in. No more online or branch payments , I asked about the grace period and they said as long as it's in before the 15th, I should be fine...I hope they don't try to screw with me too...

Good Luck!

[Justpoor]

I wonder why you would have to mail it in? I think they are just trying to f#@* with us.

[LuciluS]

Most Mortgage Companys' have a Bankruptcy Dept. I would call that 1-800 and INSIST on speaking with the banruptcy dept. You should be able to use your bank's online bill pay with the bankruptcy departmen'ts address. I detest snail mall.

Only thing I mail is my grandkids birthday cards as they are still young, but old enough, to be 'tickled pink' to get cards, check with deposit slip for the college fund made out to them & a $10. bill. I still have some 2 cents stamps from not this last time, but the time before that when US Post Office raised their rates.

Luci

[liz417]

Most Mortgage Companys' have a Bankruptcy Dept. I would call that 1-800 and INSIST on speaking with the banruptcy dept. You should be able to use your bank's online bill pay with the bankruptcy departmen'ts address. I detest snail mall.

Only thing I mail is my grandkids birthday cards as they are still young, but old enough, to be 'tickled pink' to get cards, check with deposit slip for the college fund made out to them & a $10. bill. I still have some 2 cents stamps from not this last time, but the time before that when US Post Office raised their rates.

Luci

Hi Luci! Nice to finally talk to you!

It's funny because whenever I call WF 1800# for anything, they are soooo concerned about my satisfaction and want me to complete a quick "survey" when I'm done with a customer service Rep., but when they found out that I needed to be transfered to the BK dept, they were no longer concerned about my "satisfaction", I got transfered to the BK dept, put on hold FOREVER, disconected TWICE, but it was the BK dept that I spoke with. I was setting up Bill Pay for all my other bills with my new WF account and for some reason they wouldn't let me add on my wells fargo mortgage, I asked the BK rep about paying online through bill pay, but no...so I try again? Do you use bill pay to pay your mortgage?

Thanks!

[LuciluS]

Hi Luci! Nice to finally talk to you!

It's funny because whenever I call WF 1800# for anything, they are soooo concerned about my satisfaction and want me to complete a quick "survey" when I'm done with a customer service Rep., but when they found out that I needed to be transfered to the BK dept, they were no longer concerned about my "satisfaction", I got transfered to the BK dept, put on hold FOREVER, disconected TWICE, but it was the BK dept that I spoke with. I was setting up Bill Pay for all my other bills with my new WF account and for some reason they wouldn't let me add on my wells fargo mortgage, I asked the BK rep about paying online through bill pay, but no...so I try again? Do you use bill pay to pay your mortgage?

Thanks!

Back at Ya!

Yes, I use bill pay through a small bank in our town for Everything. I detest snail mail. Birthdays cards, made from a Hallmark Software Program, for my family out of town & my 3 grandchildren are the only items I mail.

We've not filed yet - 9/30/09. Waiting for some income to drop off from Feb. My mortgage was with Coldwell Banker. I think it just got sold to PHH (??) as such is shown on my bank statement.

We intend to Reaffirm our Mortgage (will probably have some equity by 9/30/09) & will do so possibly with my Dh's Truck thru US Bank. I usually pay the mortgage due on the 1st, but not late until the 16th, with my SSD check which is deposited the 2nd Wed. of every month.

Hopefully will have the money to pay on 9/1 thru bill pay & then I intend to call the mortgage company and US Bank (due 17th, 10 day grace period) to get the addresses of the BK dept. I'm going to attempt to use Bill Pay & see if it 'goes through'. If not, guess I will be Forced to used Snail Mail LOL!

Luci

[liz417]

Back at Ya!

Yes, I use bill pay through a small bank in our town for Everything. I detest snail mail. Birthdays cards, made from a Hallmark Software Program, for my family out of town & my 3 grandchildren are the only items I mail.

We've not filed yet - 9/30/09. Waiting for some income to drop off from Feb. My mortgage was with Coldwell Banker. I think it just got sold to PHH (??) as such is shown on my bank statement.

We intend to Reaffirm our Mortgage (will probably have some equity by 9/30/09) & will do so possibly with my Dh's Truck thru US Bank. I usually pay the mortgage due on the 1st, but not late until the 16th, with my SSD check which is deposited the 2nd Wed. of every month.

Hopefully will have the money to pay on 9/1 thru bill pay & then I intend to call the mortgage company and US Bank (due 17th, 10 day grace period) to get the addresses of the BK dept. I'm going to attempt to use Bill Pay & see if it 'goes through'. If not, guess I will be Forced to used Snail Mail LOL!

Luci

Yeah, I hardly use "snail mail" too, just for Bday cards and such.
Oh, WF did say that I could call to make a payment, but it would cost $20...they never charged me that before!! I guess they aren't too "concerned about my satisfaction" now...oh well. :/

[LuciluS]

Yeah, I hardly use "snail mail" too, just for Bday cards and such.
Oh, WF did say that I could call to make a payment, but it would cost $20...they never charged me that before!! I guess they aren't too "concerned about my satisfaction" now...oh well. :/

What arse holes. Did you send it regular snail mail..not certified or anything? O I hope they post it on or before the 15th. Guess you are checking your account every day?

It's been o maybe a year ago, I read an article on MSNBC paying bills electronically on the internet is Safer than using the US Post Office. That's sad. I like knowing when I pay a bill the Specific date it will clear my bank account.

I wonder if WF will enforce that I guess until your case is closed. I'm not sure if they are notified of the discharge date?

Got my AARP magazine today. Briefly looked at it & there is an Article in there about the drastic increase in Bankruptcy Filings. By the time we get filed 9/30/09, get date for 341, praying the Trustees or so backed up the list of questions have been reduced Not that I'm worried, but there's always that 'little tug in the ole heart' that doesn't ever stop worrying

Luci

[liz417]

What arse holes. Did you send it regular snail mail..not certified or anything? O I hope they post it on or before the 15th. Guess you are checking your account every day?

It's been o maybe a year ago, I read an article on MSNBC paying bills electronically on the internet is Safer than using the US Post Office. That's sad. I like knowing when I pay a bill the Specific date it will clear my bank account.

I wonder if WF will enforce that I guess until your case is closed. I'm not sure if they are notified of the discharge date?

Got my AARP magazine today. Briefly looked at it & there is an Article in there about the drastic increase in Bankruptcy Filings. By the time we get filed 9/30/09, get date for 341, praying the Trustees or so backed up the list of questions have been reduced Not that I'm worried, but there's always that 'little tug in the ole heart' that doesn't ever stop worrying

Luci

Yes, what jerks! You know something? When I first called WF, they gave me the address to send my checks after I hung up (I don't know why I felt this way), I was just so worried that I didn't have the correct address (don't know why, maybe I didn't trust the Rep ) and I called back, got the run-a-round through the automated system again and asked for the Bk dept and asked for the address again...it was a totally different address! First Address given was a California/Los Angeles address, the 2nd address given was an IL address! I sent it certified mail, so I REALLY hope it gets there and posted in time (the 2nd rep said to NOT mail it AFTER the 8th of the month or it wouldn't get there in time). I did some searching around the internet and it seems like WF has gotten into some trouble for "holding" checks and/or posting late payments from people who are in BK. I'll see how it goes this month, but I think I need to "budget" in an extra $20 month to pay by phone, just to be on the safe side...

[Justpoor]

In the mail today I got a letter detailing the short sale process. I HAVE NOT EVEN MISSED A PAYMENT!!!!!!!!!!!!

[albacore44]

WF seems to be pretty agressive. probably why they diden't require as much bail out money from obama as the other banks I just passed 30 days on my 2 CC's and they seem to be calling every 20 minutes. all i hear on the recorder is "press 1" They sent the nastiest of all the 1st late letters, something like "your late jack ass, pay now' bet i'm gonna have a tough time with them.