wells fargo doesnt mess around

[albacore44]

Just got my second letter from them. not even 60 days late and there already threatining legal action. glad they were the last ones i stopped paying. all the others are still send me cutsie letters saying please call us we can work with you , were here to help. must be the reason WF dident take any TARP money, they get down to business.

[tinfoilhat]

Yea, out of the ten CC's I have that are 180+ past due, sold, transfered, whatever. Wells Fargo sent me a summons right to my front door. Haven't heard from any of the others.

[albacore44]

Yea, out of the ten CC's I have that are 180+ past due, sold, transfered, whatever. Wells Fargo sent me a summons right to my front door. Haven't heard from any of the others.

crap.....how many months past due were you when you were served ?? i need to hold them off a bit

[BigJohn]

I was about 9-10 months late with Wells Fargo when they served me.

[albacore44]

I was about 9-10 months late with Wells Fargo when they served me.

yeah, looks like i'm gonna need to go pay the attorney i picked a retainer, so i can at least tell these people i intend to file to hold them off a bit. i need to get to january so everything ages to my satisfaction

[tinfoilhat]

crap.....how many months past due were you when you were served ?? i need to hold them off a bit

17 months I believe.

[getmeoutofhere]

long time

Have a combined total of $120K with WF...over 14 months since last payment....hear nothing from them any longer...

[treehugger1]

Neither rhyme nor reason as to who does what, and when they attempt actions. I have a sense that folks who began defaulting and had chargeoffs 1 - 2 years ago may have escaped the more aggressive side of the "new" economy. Just guessing.

I keep waiting to be sued, but no suits from big CC's. I have wages that can be garnished, but I think my disastor of a credit report clearly shows something began to fall apart two years ago.

I was sued by American General, but I called them and encouraged them to go to small claims and we could get the account paid in a month or two (less than $1500.) They obliged. At about 90 days they served me, I didn't show, they got the wage garnishment and now they are paid in full. ANyone with local offices who had recent activity in my local court system, I encouraged to get the small claims judgment. They thought I crazy. I often repeated to them how they would get paid: suit, judgment, and garnishment. It turned out that I actually saved money, in that upon the judgment and wage garnishment all of their 29.9% interest + late fees vanished! I had to pay about $100 in service, small claims, judgment, and writ fees. It was a steal!LOL

[Mi Bankruptcy]

Neither rhyme nor reason as to who does what, and when they attempt actions. I have a sense that folks who began defaulting and had chargeoffs 1 - 2 years ago may have escaped the more aggressive side of the "new" economy. Just guessing.

I keep waiting to be sued, but no suits from big CC's. I have wages that can be garnished, but I think my disastor of a credit report clearly shows something began to fall apart two years ago.

I was sued by American General, but I called them and encouraged them to go to small claims and we could get the account paid in a month or two (less than $1500.) They obliged. At about 90 days they served me, I didn't show, they got the wage garnishment and now they are paid in full. ANyone with local offices who had recent activity in my local court system, I encouraged to get the small claims judgment. They thought I crazy. I often repeated to them how they would get paid: suit, judgment, and garnishment. It turned out that I actually saved money, in that upon the judgment and wage garnishment all of their 29.9% interest + late fees vanished! I had to pay about $100 in service, small claims, judgment, and writ fees. It was a steal!LOL

That is funny.. However, does it not stay on public record rather than on a credit report?

[albacore44]

got a new letter today saying they are forwarding to an attourney on 7/25to file a judgement. all the others are sending me settlement letters. i had a feeling WF was going to be the toughest. probably why they were the last one i stopped paying.

[optimistic1]

is that the way they worded it? we are going to file a judgement against you!@!!, what scare tactics, I would mail them one back with my bk file # with a big happy face on it.

[albacore44]

is that the way the worded it? we are going to file a judgement against you!@!!, what scare tactics, I would mail them one back with my file # with a big happy face on it.

dear mr.deadbeat,

despite our previous attempts to work with you, you remain a deadbeat and your account remains seriously delinquent. we would like to work with you to resolve this situation. however if you insist on being a dead beat, and you do not contact us by 7/25/09, we may refer your account to an attourney to obtain a money judgement against you.

blah blah blah blah

[optimistic1]

lol, u make me want to make a avatar pic with sloth from the goonies

[catleg]

I would send them a very grainy xerox copy:
The first rule of fight club is, you do not talk about fight club.
The second rule of fight club is, you DO NOT talk about fight club.

[about attending support groups for diseases she doesn't have]
Marla Singer: It's cheaper than a movie, and there's free coffee.

[MrJames]

Wells Fargo has actually been one of the best Ive dealt with. but with some of the horror stories Ive read on the net I guess I just got lucky. I was 2 weeks late on my car payment because I had to pay our attorney,they called and asked why I was late and wanted a payment over the phone. I told them my situation and asked if I could pay the following week at a local branch, they agreed. well come to find out there is no local branch that accepts payments.
so I had to mail a M/O to them,recieved a call the following Wednesday{the day after I agreed to make a "branch" payment} and asked where thier money was...told them what happened and the lady laughed about it and asked if I would prefer to pay mid month instead of the first of the month then said they "waved" my late fee and since I included that in my payment they would credit my next bill. granted I have never missed a payment with them,but I am always a day or so late with my payment as I get paid bi weekly and my pay day always seems fall in the wrong spot. I would never recommend WF to anyone as there rates are a joke and god forbid you have a question about your loan..they play stupid and toss you around until you get fed up and stop asking questions.