WELLS FARGO HOME MORTGAGE, WELLS FARGO WILL NOT APPLY MORTGAGE PAYMENTS AFTER FILING FOR MODIFICATION STILL WAITING TO HEAR IF APPROVED CAROL STREAM, Illinois

On Aug 27/2009,I contacted Wells Fargo in hope to refinance, unfortunally didn't qualify for refinancing due to a drop in home value of $35,000.00. We had at the point suffered a considerable loss of income approx 30%less, cut in Hrs beginning June 2008,as well as sporadic lay-offs as of Feb 2009 and through out the year. Forced to tap in to our  now depleted savings, my wife and I filed for motgage modification on Sept 2/2009,after sending Wells Fargo all required documentions,we waited....In Oct 2009 I sufferd a heart attack and underwent open heart surgery,missed 3 months of work but continued to make payments to WF and was current 'till December 09, when I missed the very first payment.

I did however make the payment for December on Jan 28 2010 and Jan payment on Feb 8/2010.WF Still has not worked out a modification,when I call, time after time I'm told to resend financial documentation,in addition they have placed my Feb payment into a suspended account rather than credit it which would have made me current. I called them to request explanation as to why they're not posting the payment and was told that for as long as we are working towards a modification payments will not post and will continue to be reported as late to credit reporting co. I'm at a loss and have no resources to find out about my rights. if any at this point !My wife and  I are close to 60 years old,this was going to be our last home.Any suggestion would be really appreciated