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Courage is the Greatest Virtue! without it you may never use any others
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WELLS FARGO HOME MORTGAGE, INC. In January 2001, our Clients, John and Angela Filson, signed up with Wells Fargo Home Mortgage, Inc.'s Automatic Mortgage Payment Program, or "AMP". After months of failing to begin the Automatic Payment, Wells Fargo made the first Automatic Draft from the Filson's Account. (See Bank Statement) That money was never posted as a Mortgage Payment. Wells Fargo did not advise the Filson's that they had not credited the Payment, then quit making any further withdrawals putting the account into a delinquent status. In January of 2002. Wells Fargo began Foreclosure. After 5 months of arguing and numerous phone calls, Wells Fargo disclosed to Mr. Filson that they had held $908.18 in a secret "suspense" account. The Suspense Account held money that was acollected by Wells Fargo but not applied in acordance with the terms of the Mortgage Agreement. These funds were received by Wells Fargo but not applied to any the account. It was like a savings account. On 1/14/2002, Mr. Filson agreed to pay the total amount of money due to stop the foreclosure. However, he asked that the $908.18 be withdrawan from his "suspense" savings account, and credited to his account as part of the money he was to pay to stop the foreclosure. Astonishingly, he was told that he could not use his own money, held in that suspense savings account, to help stop the pending foreclosure on his home. (See Customer Call Notes, page 2-021) Johnny Ellis filed Suit against Wells Fargo Home Mortgage, Inc, (Now a wholly owned subsidiary of Wells Fargo Bank, NA) and stopped the Foreclosure 24 hours before the sale.
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OUR LAW FIRM IS ACTIVLY PREPARING A CLASS ACTION LAW SUIT AGAINST
WELLS FARGO and AMERICA'S SERVICING COMPANY
If you or someone you know has been wrongfully foreclosed on by Wells Fargo, or have has cronic problems with their loan and accout CALL US at 615.847.2000 or e-mail to johnny@ljelaw.com.
Below are some of the Records, which are now public, and were used at trial During the 6 years we have battled Wlls Fargo. (personal information has been deleted by the Web Master)
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Amos, Taylor & Winstead Farm
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Johnny Ellis Saved his clients' inheritance rights. Cousins try to take property valued at over $350,000.
"In 1957 my clients were orphaned," stated Ellis, "They were all just young children then. But they inherited this Williamson County Farm, (photo at left) and their Uncle started living on it. Everybody knew that it was a family farm, but after the Uncle died, his son tried to take the whole thing by prescription, or 'squatters rights.'
The Court of Appeals said that you cannot use that law, prescription, against a minor child. You have to wait until they are 18, and are legally able to challenge your right to possession, before you can get squat."
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After their Father died, orphans Steven and Natasha Gardner, (19 & 17 years old) could not get the pay-off from the Mortgage Company because they were not the "borrower" on the loan. The Bank foreclosed, and their 3 bedroom home was sold for less than $30,000. The new Owner did not wait for them to move out, and emptied everything out of the house without proper eviction notice, while they were away from home and at work. "JOHNNY ELLIS won a favorable jury verdict for us for wrongful eviction, and helped us put this painful episode behind us." (Steven Garner, January 2005)
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FROM ACCIDENT AND INJURY TO CONSUMER PROTECTION, WE CAN HELP YOU WITH THOSE TROUBLING EVENTS
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REAL ESTATE SETTLEMENTS
Johnny Ellis has been closing real estate settlements since 1987. Before becoming a Lawyer, Johnny spent 6 years in the Mortgage business. In Knoxville, TN. as a Loan Officer/Originator, then as a Collection Account Representative, in Rome GA, and finally a Branch Manager in Murfreesboro, TN.
He can explain the complex documentation in plain language so that the client will clearly understand all the paperwork.
Johnny is licensed by the State of Tennessee as a Real Estate Title Insurance Agent, and is fully experienced with the processes involved with your transaction.
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