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The past few months have just gotten shittier and shittier. I was on a bi-weekly mortgage payment schedule until last Nov. I called my mortgage company and told them that I wanted to stop the bi-weekly payments and I also needed to make arrangements for the next couple of months because I didnt know if I could make the full payments or not( I started my own mobile mechanic company). They(Wells Fargo) said sure and took us off the bi-weekly payment and offered a 3 month lower payment option for $100/month. We agreed and I sent off a check for December then January. Bank calls in Jan and said both checks bounced. I know I had money in the account for the payments so I told them that wasnt right. The agent I was talking to said no problem and set me up on another loan modification. Sent the check off in Feb and then March. Then I get a letter saying the checks bounced. Call them back and I told them that I can see where they pulled the money out and then deposited back in my account the same day and that I had more than enough money to cover the payments. We argue back and forth so they offer another payment plan. Meanwhile no one ever answered why they were taking the money out and putting it back in. So I agree for another payment option. The first payment I check my account and the money came out and was re-deposited the next day. I called the bank and told them and they said that my mortgage account show paid. I argue with them on the phone that they didnt take the money and they assure me that everythings good. I decide to ear mark that payment and save it. I make the second months payment and the same thing happens. I call in and they tell me all is good. Then I get a letter saying I defaulted on the payments and they're gonna foreclose on my house come Sept 1st. I make a bunch of calls and finally print out all of my bank statements for the past 6 months. I take it to the bank and show the bank manager. She's able to determine that the guy who took me off of bi-weekly payments put a stop payment to Wells Fargo instead of stopping the auto draft. So there's the problem. I call the mortgage contact and tell her then send in all of my info I have. Keep in mind that I'v made every payment and had more than enough money in the account this whole time. Mortgage lady sends me a letter saying "This is the fault of your banking institution". I bank at Wells fargo and have my mortgage through WF. I call her back and tell her this isnt right and something needs to be done. She says they'll investigate it further and never calls back. I talked to them today and tell them that I can pay the $8,000 they say that I owe but I want all of this crap removed from my credit(my score has gone from 798 to 580 during all of this). She tells me today that I have to pay the back mortgage plus $3000 in attorney's fees for the forecolsure before Sept 1st. So now Im screwed. I should have the money for the 8 grand coming in this month from open invoices but Im gonna have to sell stuff/borrow the money for attorney's fees which I shouldnt have to pay any way.
I called and talked to a real estate attorney today and they told me I'll have to file a lawsuit and get a temporary restraining order toward Wells Fargo to stop the Sept 1st sell date which will cost me a retainer fee and more money.Whole freaking thing is is ridiculous. Add this to a whole bunch of marital problems and my OCD issues and it's a recipe for disaster.
Any way, just needed to vent somewhere.
I called and talked to a real estate attorney today and they told me I'll have to file a lawsuit and get a temporary restraining order toward Wells Fargo to stop the Sept 1st sell date which will cost me a retainer fee and more money.Whole freaking thing is is ridiculous. Add this to a whole bunch of marital problems and my OCD issues and it's a recipe for disaster.
Any way, just needed to vent somewhere.
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