Recently various media outlets including the Consumerist and USA Today have published articles on Patrick Rodgers a Philadelphia homeowner who was having a ton of problems with Wells Fargo concerning his mortgage.
In 2002, Rodgers paid $180,000 for his nice little house in Pennsylvania and then the Bank wanted him to insure it for 1 million. It also charged him for two home inspections when nobody came over to inspect the house.
Patrick called dozens of times and had no luck in getting any response to resolve his loan issues... Consequently, he went online and did a little bit of legal research. He then decided to write to Wells Fargo with a Qualified Written Request (QWR)... Banks have 60 days to respond to these requests, and if they don't they can be sued for $1,000. Needless to say, the executives at Wells Fargo ignored Mr. Rodgers' requests, and so he took them to small claims court. Nobody showed up---so he got summary judgment. Since the bank still didn't pay, he had the local sheriff serve papers to the local mortgage brokers office in order to auction off items within the office to raise the $1,100 fine.
Low and behold, after the Sheriff's notice and tons of media attention... Wells Fargo ended up contacting the man and had a 40 minute conversation... It will be interesting to see how this issue ends up closing.
Moral of the story, if you're looking to delay your foreclosure process or annoy your bank, you should research this case some more; learn about the Qualified Written Request process and get a little litigious on your mortgage company.
