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Report: #158649

Complaint Review: Americas Servicing Company - ASC - Wells Fargo - Fort Mills South Carolina

  • Submitted:
  • Updated:
  • Reported By: lucerne valley California
  • Americas Servicing Company - ASC - Wells Fargo 3476 Stateview Blvd Fort Mills, South Carolina U.S.A.

Americas Servicing Company - ASC - Wells Fargo WANTS TO FORCLOSE MY HOME AND CHARGE ME RANSOM, RIPOFF!! Fort Mills South Carolina

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I have been with ASC since Mila sold me over Sept of 2004. In no way does my tale make me faultless. If it was a faultless thing i would not be in the snafuu that i am in.

By October of last year my husband had been laid off his employment and trying to keep up i paid 50%-75 % of the loan for the next 2-3 months. ASC was constantly aware and they thanked me and said i was not being charged any late fees, and were very kind.By the 1st of the year things had not gotten better so i was told to set up a repayment plan to get the money back in and stay on track. I agreed to a payment arrangement of $1400, and awaited the documents to sign.

Upon getting my 1st payment slip it was for $1900 a amount that was not aggreed upon and i called to try and fix the mistake. The very green customer service agent was apologetic and we set a new plan in motion. This happened 3 times and i never got anything in writing.

So basically to ASC i had broken 4 repayment plans and i was to blame.i also found out all this time they were charging late fees and reportnig to credit bureaus ( things they said would not happen ). Just as a side not.. i made all payments by phone so i would have a confirmation....some would post 10 days after the fact.

So by March 2005 i have been dealinhg with collections, and now they send me to loss and mitigation to reagree to a payment plan which will be faxed asap for me to see agreee and sign. The loss and Mitigation specialist told me for what i owe i wouldn have to make a down of $3500. Not knowing where this amount came from i questioned it and told him no paperwork i had equalled this amount. Of course he acted very simpathetic. He put me on with another Mitagation specialist who told me inmy situation and with my homes value increasing i could do a Modification program for my loan.

For those of you who don't know a modification takes the money you owe and puts it back into the loan . Then my original payments of 1100 would have been $1175.

I was really excited about this plan and got ALL the documents in order ( letter of hardship, fiancial worksheet, paystubs for both of us, bank statements, etc ) and sent them with a $1200 deposit.This was March 17th.

I called 2 times weekly to see the status. Every time i called it was in review, but all documents were in and i was so diligenmt they would most certainly approve this ( this is what they are telling me ). This went on for 3-4 weeks and i called 3-4 times weekly.

Every time i would call i would ask if i should still make payments to the account. Everytime i was told no, because there would be a approx $3000 down to complete and save my $$.

Ok, we are at mid May now, i get a call. Asc is saying we have not recieved your pay stubs,or finacial worksheet. Can't complete until you send. I of course told them on what dates ( since there are soooo many ) that ASC has said they have everything. I again send via certified mail...again, and faxed 4 times. June 1st i call and ask if i have payment yet, so i can pay now. i am told no, but will be REAL SOON>

June 10th- went to a real estate friends house. She asked, why is your house for sale on a forclosure site. WHAT!!!! FREAK OUT

Called ASC, oh yes it was put on forclosure 5/27/05. Because I had cancelled the modification....WHAT !!!!!

ASC backtracking, very upset, must be a mistake. I say well then let me pay now. They don't have a totol owed and they sugest the modifcation again. DO EVERYTHING ALL OVER AGAIN sent out 3 certfied copies, and 5 faxed ones ( not joking ) got confirmation on all. Will take 45-60 days for approval , save money told not to pay any now ( i have been asking to pay since April ) Both have jobs, want our house secure.I have called them every other day for updates, each time its still pending... getting sick and scared.

August 1st rolls around...nothing.Finally get a call from the person working onmy loan,whos name was kept from me and i could not call.

She is very sorry for all the time and effort put into this by me because... I DON'T QUALIFY FOR A MODIFICATION. WHAT THE $^&(&*&) !!!. With attorney fees (what attorneys ) and late fees, and blah blah fees i now owe $14,889.

The only thing i'm able to do is pay half (i paid $6000) so they stop the forclosure sale. She tells me everything i was told by previous mulitple people are wrong and uneducated. I tell her her department of mitagation is the recommendees. Nope she says , only she could give me the right track. Thanks for that.

So now i have $1900 payments that are almost going to be impossible to pay with all the other bills, my house is on suspened forclosure and the little one is screwed. I have asked for documentation of all conversations, notes, computer transactions,names and payment history for my knowledge. i am told i am not intitled to it.

I want to sue and get away from this company. They want this house. Any help please!!!!! i know i was wrong to but not to deserve this, i have been WILLLING TO PAY!!

Niki
apple valley, California
U.S.A.

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This report was posted on Ripoff Report on 09/28/2005 09:12 AM and is a permanent record located here: https://www.ripoffreport.com/reports/americas-servicing-company-asc-wells-fargo/fort-mills-south-carolina-29715/americas-servicing-company-asc-wells-fargo-wants-to-forclose-my-home-and-charge-me-ran-158649. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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