![]() I ustilize all tge options, doors, contacts, and courts ti make sure they are in fact in compliance. When given the opportunity to take down lenders as Selene, who feel that they are Untouchable because they’re smaller Out Of Reach and a lot of investors. In doing this I was able to access records to lenders that most people weren’t able to see, I’ve been to law school but I don’t want to be a lawyer but I also do have the pass experience of working for Wells Fargo’s foreclosure team and I do have access to their foreclosure manuals so speak. The reason that I can help is I originally started doing this as a way to do foreclosure prevention for the homes in my area because our foreclosure rate had doubled by 50% let alone in 6 months. And who owns Wells Fargo? Bank of America. They just transferred it to yet another of Bank of America’s holding trusts registered in Delaware, where they get very favorable trust laws. Lied to me about who owns my mortgage and again about who bought it. Selence Finance lied to me about the original deal. Internet search reveals that this trust has the same address as Selene Finance. I looked today and found that the deed had finally been filed and another trust now owned my home. No one bid on the house according to the title company but a couple of days later I received a call from a realtor again offering cash for keys. I then had a year long battle with them and finally lost my house on June 9th. I had started all the repairs and spent hundreds on paint and repair stuff due to the damage caused by the renters. After complete cooperation on my part and several thousand dollars, I found out by accident that they had lied to me. I was told that they wanted to work with me. I figured I had nothing to lose and gave then a call. 2013 I received a letter stating my mortgage was now owned by a Trust and Selene Finance was the loan servicer. Now I knew why they cancelled the Trustee’s sale last Dec. In June 2013 I received a check from a class action lawsuit because of Wells Fargo’s illegal foreclosure practices. After talking to a couple of realtors I realized I would have to rent it out because I was not moving back in just to move right back out again. Found out in March 2013 that it had not sold and I still owned it when Wells Fargo called and asked me to do a short sale. At that point I decided to let the house go. I started looking for a 3rd job (already had a full-time and part-time job) but was exhausted after each application I filled out. 2011, which wasn’t much of a modification, I decided to sign because above all else I want to keep my house. ![]() The first offer was a higher monthly payment. 2010 I started the process to get a loan modification with Wells Fargo because my income was going to drop by 40% over the next year.
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