My wife and I have been working with WF Loss Mitigation Dept. in an attempt to save our home. We started the process back in 11/09 was told that we needed to provide all the documentation they needed - and we did so. After about a month we received the foreberance paperwork indicating they were reducing our payments for 4 months with a huge ballon payment due on the 5th month. Prior to signing the foreberance agreement, I called WF who we received the paperwork from and explained that if I did not get a job during the 4 month period - ther would be no way we could make the payment. I was told not to be concerned since I would be hearing from the HAMP investigator by the 3rd or 4th month and they would come to our home to evaluate and assist us through the process. Well, we did everything they asked for - resent an updated hardship letter and financial worksheet during the 3rd month. The ballon payment was due in April and since we had not heard from the HAMP investigator or anyone else - I then contacted them to find out where the HAMP investigator was. This is when the song they were singing in the beginning changed dramatically. I was told there would be no HAMP investigator and they were sorry that someone told us that - and that since we defaulted on the forberance agreement by not making the ballon payment that was due in April (I and my wife are both unemployed) the only thing we could do is resubmit all the paperwork and then they would see if we quilfy for the HAMP program - still waiting to here from the loss mitigation department about our resubmitted paperwork. I have contacted them every week to make sure they have all the information they need, but the phone numbers with the 10 digit extension don't work and you can not get in touch with anyone half the time. I did get a letter from Wells Fargo Home Mortgage letting us know they would be forclosing on our home within 30 - 90 days. So they maybe their answer.

As for the employee who had the guts to blame the problems on the customer - well all I can say to him - go to hell, you are a horrible employee if you believe all you wrote and you should look for another job if you don't want to help people and believe it is all their fault. Things are the way they are because of people/employees just like him. Young and stupid no doubt.

Will keep this updated as we get info from Wells Fargo.

Randy