What is going on with Wells Fargo?
More than likely because of the bankruptcy, your mortgage is in
More than likely because of the bankruptcy, your mortgage is in a freeze status. Have you called them and asked them?
Yes, we have contacted them on several occasions, latest being t
Yes, we have contacted them on several occasions, latest being today 6/17/2009. We were told that our accout is current with the next payment being July 1st 2009. I got a printout from Wells Fargo website of all our payments starting from when the loan was first opened. When we looked over the printout, we noticed 2 things that seemed odd to us, the payment we made on 4-1-2009 was recieved, but only 15.99 was applied, the remainder of the payment does not show where it went, the next one is the payment we made on 6/12/2009 shows it was recieved, but was applied to nothing, However our most recent payment on 6/16/2009 was applied to our account. Maybe our account does have a freeze, but what we cannot understand is why some payments are posting and others are not.
Call and ask to speak with a manager....Get this resolved today
Call and ask to speak with a manager....Get this resolved today so when you go to your BK meeting, you'll have an understanding of what's going on with that account...in case the trustee inquires about it.
Submitted by desperatelyseekingsanity on Thu, 06/18/2009 - 08:11
Also, I am assuming you are going to keep the house...since you
Also, I am assuming you are going to keep the house...since you are filing Ch 7 - liquidation - and you have been making payments on the house.
Make sure you bring this up to your attorney - about the payments on the house, etc.
Submitted by desperatelyseekingsanity on Thu, 06/18/2009 - 08:12
Wells Fargo had done the same thing
My fiance went overseas and I was trying to take care of the renovations to our home, working a job 2 hours away from the home, paying my bills, and trying to get all of his bills in line, plus I found out I am pregnant with a disabled back (via military training..) I missed one payment. Began making numerous payments and they have the audacity to say we are looking into foreclosure. Turns out 1500+ dollars went to "unapplied payments." When I tried to call them they were rude to me.. and claimed no poa// which was hand delivered/faxed/and mailed to them. They continued to send letters even to our VA office. The VA gave them a ranting ... and they "applied" our payments... but to where? The account mortgage never went down...
Be carefull...We are in BK 7 and got behind on one payment since
Be carefull...We are in BK 7 and got behind on one payment since we were paying our attorney. I called to tell them it would be late. I mailed the payment just before the 45 day mark. The day after that I received a motion for stay from an attorney for Wells Fargo. They accepted that payment, but when I sent the next two they sent them back stating it wasn't enough to bring the account current. So I found out how much to send in one check and it was $500 more then the two payments which I am thinking was for the attorney's fees. Now they sent a letter saying they need $300 more. No one can tell me what this is for. All this for being 46 days late on one payment that I called and told them I was sending.