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(Charlotte Observer)   Wells Fargo two weeks ago: we would NEVER foreclose on a woman dying of terminal breast cancer. Wells Fargo this week: We're foreclosing on a woman dying of terminal breast cancer. The week before Xmas. Kthxbai   (charlotteobserver.com) divider line 101
    More: Asinine, Wells Fargo, breast cancer, foreclosures  
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8250 clicks; posted to Main » on 13 Sep 2012 at 8:32 PM (2 years ago)   |  Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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2012-09-13 04:49:22 PM
fark wells fargo in their ass.
 
2012-09-13 04:53:35 PM
"Fark you, pay me."

Like the mafia, but legal.
 
2012-09-13 04:56:10 PM
Uh, they never said that subby (and NewsChannel 36), all they said was that the home wasn't yet in foreclosure at the time the email was sent, not that they would never foreclose upon it. Reporter, and subby, need to learn how to read.
 
2012-09-13 05:00:01 PM
Is it routine for a mortgage company to decide on a case-by-case basis to foreclose or not?  Aren't there set rules for it in your contract?
 
I mean, this is sad.  And by no means am I saying "tough, pay your bills or get kicked out."  I'm all for compassion.
 
Just as a technical point... isn't the process just the process?
 
2012-09-13 05:02:11 PM
Christmas is cancelled!
 
2012-09-13 05:02:45 PM
as somebody who just closed on his wells fargo refi on tuesday, i'm getting a kick, etc.
 
2012-09-13 05:04:57 PM

downstairs: Just as a technical point... isn't the process just the process?


It is unless the transaction costs you more in bad press than it does in the value of the property. Then rules can be changed.
 
2012-09-13 05:08:40 PM
I've heard lots of stories about banks losing payments, having computer errors and generally not working with customers AT ALL to work through a mortgage payment plan. I don't see any evidence of that here. If a customer simply doesn't pay--regardless of other circumstances--what is the bank supposed to do? That's the point of a social safety net: make sure these people have health care and don't starve.

Her parents have offered for her to come home to New Jersey, but Cindi said a move out of state might disrupt her North Carolina disability benefits, so for now she has to stay here in the Tarheel State.

Of course, the same people using government money as an excuse to avoid necessary life changes doesn't exactly prove my point.

This all seems to be indicative of a larger problem of too many people owning homes, the middle class collapsing and people forgetting how to save and budget. The banks are scum plenty of times but I can't blame them every time. Placing an overabundance of moral expectations on them is pointless. FORCE THEM to meet minimum expectations via government regulation, not cheesy news reports.
 
2012-09-13 05:10:13 PM

Lando Lincoln: "Fark you, pay me."

Like the mafia, but legal.


Yes, it is a massive corporation.
 
2012-09-13 05:27:12 PM
upload.wikimedia.org
Approves.
 
2012-09-13 06:22:28 PM
DAMN YOU 0BUMMERCARE!
 
vpb [TotalFark]
2012-09-13 07:22:28 PM
www.goodfellaspainting.com
 
2012-09-13 07:26:35 PM
What Wells Fargo does to people is just wrong, and it's getting worse. They're like a ca...

Uh... Nevermind.
 
2012-09-13 07:30:49 PM
These are the assholes that foreclosed on a home that had no mortgage and destroyed the personal belongings of the old folks that built the place.
Too big to jail?
 
vpb [TotalFark]
2012-09-13 07:36:09 PM

vudukungfu: These are the assholes that foreclosed on a home that had no mortgage and destroyed the personal belongings of the old folks that built the place.
Too big to jail?


Yep. I can't figure which one you mean though. They have farked over a lot of people illegally.

Link
Link

Link
 
2012-09-13 07:41:54 PM

GAT_00: Yes, it is a massive corporation.


corporations are people, my friend.

so that's one massive person.
 
2012-09-13 08:11:34 PM

vpb: vudukungfu: These are the assholes that foreclosed on a home that had no mortgage and destroyed the personal belongings of the old folks that built the place.
Too big to jail?

Yep. I can't figure which one you mean though. They have farked over a lot of people illegally.

Link
Link

Link


And PRISON'S too GOOD for them
 
2012-09-13 08:18:43 PM

Lando Lincoln: "Fark you, pay me."

Like the mafia, but legal.


The mafia wishes they had it this good.
 
2012-09-13 08:26:28 PM
I wonder how much equity she had in the house?
 
2012-09-13 08:35:40 PM

vudukungfu: These are the assholes that foreclosed on a home that had no mortgage and destroyed the personal belongings of the old folks that built the place.
Too big to jail?


The best part: WF went back and did it again a few days later. Same mistake, the contractor went to the wrong address.
 
2012-09-13 08:40:35 PM
When my mother had breast cancer, she called capital one to defer her credit card payments a few months while she took off work for the chemo. Instead of working with her, they canceled her account and demanded she pay the balance in full immediately incase she was going to die.

Naturally, she told them to pound sand and she won a related court case later on, but it was still pretty farked.
 
2012-09-13 08:42:23 PM

FlashHarry: as somebody who just closed on his wells fargo refi on tuesday, i'm getting a kick, etc.


cdn.fd.uproxx.com


Seriously. Wells Fargo screwed up our accounts then froze our assets (because of their screw up), which resulted in every single bill we had receiving a nice big NSF bounce on the checks. Wells Fargo refused to correct the situation for A MONTH. It's only because my wife's boss paid our bills that month that we weren't in seriously deep shiat.

Wells Fargo is incompetent and has shiatty customer service to rival Comcast.

Wouldn't be surprised if they just decide to foreclose on you just because they feel like it that day.
 
2012-09-13 08:45:16 PM
Its sad they cannot afford their house and sad that she is terminally ill. It is also sad people are blaming the bank. Imagine you loaned your car to a friend and he said, "Hey, I'm dying, so I'll just keep your car, K". And then the media got involved and called you an asshole for wanting your car back.
It is not like there is no charitable groups that help cancer patients. When my ex had breast cancer,one group paid her rent and utilities for 9 months, and another still pays for her post-treatment drugs 4 years later. She could have received even more benefits, but she had health insurance.
 
2012-09-13 08:45:45 PM
What's the relevance of this happening around X-mas?

All business must come to a halt just because it's happening near the arbirary birthday of a particular FSM?
 
2012-09-13 08:45:51 PM

BarkingUnicorn: The best part: WF went back and did it again a few days later. Same mistake, the contractor went to the wrong address.


If a hit man takes out the wrong guy, do you say, oh, your bad.
Let him go?
Then he makes the same Mr. McGoo mistake the next day? To you give him a walk? Say he's new, he needs OJT and kick him loose?

Who the fark isn't arresting the perps here?
The same lame assed corrupt cops who wouldn't arrest a Priest for forcibly raping a child because he's a priest. That's who.

Time for a clean sweep of our nation.

Time to say, hey, that's not cool, and also it's illegal and BTW, *TASE* stop resisting.
 
2012-09-13 08:47:25 PM
cinemafanatic.files.wordpress.com

"I have always depended on the kindness of bankers."
 
2012-09-13 08:58:34 PM

Lumpmoose: I've heard lots of stories about banks losing payments, having computer errors and generally not working with customers AT ALL to work through a mortgage payment plan. I don't see any evidence of that here. If a customer simply doesn't pay--regardless of other circumstances--what is the bank supposed to do? That's the point of a social safety net: make sure these people have health care and don't starve.

Her parents have offered for her to come home to New Jersey, but Cindi said a move out of state might disrupt her North Carolina disability benefits, so for now she has to stay here in the Tarheel State.

Of course, the same people using government money as an excuse to avoid necessary life changes doesn't exactly prove my point.

This all seems to be indicative of a larger problem of too many people owning homes, the middle class collapsing and people forgetting how to save and budget. The banks are scum plenty of times but I can't blame them every time. Placing an overabundance of moral expectations on them is pointless. FORCE THEM to meet minimum expectations via government regulation, not cheesy news reports.


Yeah, I feel kind of bad because my dad would probably be in this exact situation if my mom were to pass: on disability that doesn't pay enough to make the mortgage. Of course, he would then sell the house and move into a cheaper apartment or come live with us and we'd figure out the disability stuff later. It might be hard for a few months but I'm sure we'd manage. It's not like they don't have options, they may just not be good ones.
 
2012-09-13 09:02:03 PM
Wow, if she dies then the husband may have nothing to lose.
I know that I'd be trading very lightly in that scenario if I was Wells Fargo.
 
2012-09-13 09:02:42 PM
...treading, even.
 
2012-09-13 09:08:23 PM
Move along, folks, nothing to see here. Wells Fargo obviously started foreclosure to push the issue with charitable organizations. Why let people live there for free (and take a loss) when a charity or non-profit will pay the money for them?
 
2012-09-13 09:13:09 PM

FlashHarry: GAT_00: Yes, it is a massive corporation.

corporations are people, my friend.


Exactly, just like:
i47.tinypic.com
 
2012-09-13 09:13:35 PM

BoxOfBees: Move along, folks, nothing to see here. Wells Fargo obviously started foreclosure to push the issue with charitable organizations. Why let people live there for free (and take a loss) when a charity or non-profit will pay the money for them?


^This

/file bankruptcy
//put the house up for sale.
 
2012-09-13 09:16:50 PM
Why not forclose, its not like she's gonna need the house anymore, amirite?

/window seat please
 
2012-09-13 09:23:01 PM
If she's behind on her mortgage, isn't the usual remedy to foreclose when she can't make the payments? Not sure why this is "news" ... or even Fark besides the usual fist-shaking from the OWS and teabagger crowds about the big, bad banks.
 
2012-09-13 09:23:07 PM

Lumpmoose: I've heard lots of stories about banks losing payments, having computer errors and generally not working with customers AT ALL to work through a mortgage payment plan. I don't see any evidence of that here. If a customer simply doesn't pay--regardless of other circumstances--what is the bank supposed to do? That's the point of a social safety net: make sure these people have health care and don't starve.

Her parents have offered for her to come home to New Jersey, but Cindi said a move out of state might disrupt her North Carolina disability benefits, so for now she has to stay here in the Tarheel State.

Of course, the same people using government money as an excuse to avoid necessary life changes doesn't exactly prove my point.

This all seems to be indicative of a larger problem of too many people owning homes, the middle class collapsing and people forgetting how to save and budget. The banks are scum plenty of times but I can't blame them every time. Placing an overabundance of moral expectations on them is pointless. FORCE THEM to meet minimum expectations via government regulation, not cheesy news reports.


If the benefits she is receiving are what cover the bills, then moving and screwing those up would likely fark her even worse, no?
 
2012-09-13 09:24:25 PM
Wait, America is compassionate about people who become ill? Is that why tens of millions are denied health care?
 
2012-09-13 09:28:19 PM

Lumpmoose: I've heard lots of stories about banks losing payments, having computer errors and generally not working with customers AT ALL to work through a mortgage payment plan. I don't see any evidence of that here. If a customer simply doesn't pay--regardless of other circumstances--what is the bank supposed to do? That's the point of a social safety net: make sure these people have health care and don't starve.

Her parents have offered for her to come home to New Jersey, but Cindi said a move out of state might disrupt her North Carolina disability benefits, so for now she has to stay here in the Tarheel State.

Of course, the same people using government money as an excuse to avoid necessary life changes doesn't exactly prove my point.

This all seems to be indicative of a larger problem of too many people owning homes, the middle class collapsing and people forgetting how to save and budget. The banks are scum plenty of times but I can't blame them every time. Placing an overabundance of moral expectations on them is pointless. FORCE THEM to meet minimum expectations via government regulation, not cheesy news reports.


Except in this case, it's not using government money to "avoid necessary life changes."

Getting your disability payments transferred between agencies is a living nightmare. Even getting them transferred from one county to another--say, from L.A. County to Orange County--can mean months of missed payments, cancellation of benefits and a whole raft of problems that someone already suffering a terminal disease isn't equipped to make. I'm sure 90% of the time it's not an issue--BUT there are no ways to acquire a waiver for these odd cases out. There is no way to say "Hey, I'm dying of terminal cancer, I don't have time or energy to jump an endless series of hoops to get my benefits transferred. Here are my doctors' reports, my hospital bills, proof of intent to acquire residency in NY." "OK, here you are [stamp, stamp], sorry you're dying."

In this case, along with the bank's heartlessness, I'd like to toss some blame to a disability system that can't make it easy for her to just say fine, whatever to the bank and move back to her parents' home.
 
2012-09-13 09:30:55 PM

downstairs: Is it routine for a mortgage company to decide on a case-by-case basis to foreclose or not?  Aren't there set rules for it in your contract?
 
I mean, this is sad.  And by no means am I saying "tough, pay your bills or get kicked out."  I'm all for compassion.
 
Just as a technical point... isn't the process just the process?


I would agree; just go by the contract. If not, what is a contract? Otherwise, everybody will claim some sort of hardship, pay off a doctor to say whatever, then it is hard to draw the line.
 
2012-09-13 09:32:01 PM
I'm assuming it's a robosigner who didn't get the PR memo to not fark with the woman paraded on TV as dying.
 
2012-09-13 09:34:24 PM
Vegeta. whats Wells Fargo's douchebag level?
 
2012-09-13 09:35:19 PM

downstairs: Is it routine for a mortgage company to decide on a case-by-case basis to foreclose or not?  Aren't there set rules for it in your contract?
 
I mean, this is sad.  And by no means am I saying "tough, pay your bills or get kicked out."  I'm all for compassion.
 
Just as a technical point... isn't the process just the process?


No, I agree. I think Wells Fargo (and most other banks) have been borderline evil about this stuff over the past decade, but unfortunately your personal problems have no bearing on your mortgage being due. That's not how the American system works.

If you don't like it, lobby for less predatory/punitive financial laws.
 
2012-09-13 09:37:01 PM

CommieTaoist: Uh, they never said that subby (and NewsChannel 36), all they said was that the home wasn't yet in foreclosure at the time the email was sent, not that they would never foreclose upon it. Reporter, and subby, need to learn how to read.


This.
 
2012-09-13 09:37:13 PM
Wells Fargo will never see one penny of the Kritter fortune. Denied. I don't do business with scum. Please make note of the excellent Links others have provided in this thread and share these stories with your friends, neighbors, coworkers, family and people you sell crak to.

Make damn sure that others know Wells Fargo is scum. Ask others to share the information you share with them. And the day will come when Wells Fargo will no longer be the big bad ugly that it is today. The day will come when Wells Fargo will cease to exist.
 
2012-09-13 09:42:56 PM
Reading comprehension FTW...Nowhere in what they printed of Wells Fargo's letter did it say they would never foreclose.
 
2012-09-13 09:50:09 PM
if you borrow money it is complete understandable for the people that loaned you that money to want to get paid back, further more it's not unreasonable not matter what your personal situation is for those people to collect on that money and also foreclose on your home, because she has cancer doesn't exempt her from her mortgage or the agreement she signed with the bank
 
2012-09-13 10:06:28 PM
They didn't say they would NEVER foreclose...

"Our thoughts are with Mrs. Davis during her courageous battle with cancer. It is important to note that her mortgage loan has not been foreclosed, nor has she been asked to leave her home. Wells Fargo works hard to help our customers maintain homeownership whenever possible and we view foreclosure as a last resort. As part of our continuing efforts to work with the Davis family, we have reached out to nonprofit organizations that might be able to offer assistance."

It didn't say they *would not* foreclose nor ask her to leave; it just said they hadn't foreclosed or asked her to leave... yet.
 
2012-09-13 10:07:04 PM

srhp29: Reading comprehension FTW...Nowhere in what they printed of Wells Fargo's letter did it say they would never foreclose.


They did, however, indicate that they would be attempting to work with outside agencies to get her assistance. I know from my own experience that two weeks is about enough time for one letter to get written and sent from the bank and is probably still in the in-box of the woman's case manager at the disability office.
 
2012-09-13 10:14:42 PM
reason #1,141,465,984,345 in the series "WHY PEOPLE FU(KING HATE BANKS"
/seriously
 
2012-09-13 10:17:49 PM

Der Poopflinger: if you borrow money it is complete understandable for the people that loaned you that money to want to get paid back, further more it's not unreasonable not matter what your personal situation is for those people to collect on that money and also foreclose on your home, because she has cancer doesn't exempt her from her mortgage or the agreement she signed with the bank


Have been with Wells Fargo since before it was WF. Yes, they will hound you for money YOU OWE THEM. I was unemployed for 6 months, and during that time, my credit line maxxed. Since I couldn't even give them the minimum payment, they called my house half a dozen times a day. Of course, I was out looking for a job, so it was a long time before they got a hold of me. I explained my situation, got the cursory apology, and had suggested to me that I borrow some money from family until I get back on my feet. I set up to send a payment the next week, and that was the last of it. I have since closed my credit line to avoid problems like that, but money owed is money owed, regardless of how hard life is.
 
2012-09-13 10:19:35 PM
I'm not going to take a position either way on WF's actions here. But I do think this is a good opportunity to bring up the fact that you can take out reasonably affordable insurance that will protect against this happening. Homeowners should look into this.
 
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