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Posted by louie on February 3, 2006, 2:51 pm
 
Definitely seek legal assistance with this and keep following up on the
police report.  Please keep us up to date, as I currently have Wells
Fargo as my mortgage company too and am doing some pretty extensive
repairs to the property.  It makes me shudder to think what would
happen if they sent their representative out to my house right now and
saw the mess.  It would be pretty easy to assume that the house was
unoccupied.  I would definitely consider all of the aforementioned
suggestions: criminal charges, lawsuit for damages and maybe a bit more
to sting them some, restraining order to prevent calling the note, etc.
 They have a right to ensure that their investment is protected, but
this is inexcusable.


Posted by who on February 3, 2006, 4:22 pm
 
Also, I would like to thank everyone in these groups. I have been able to
use them and the links provided within as very valuable resources in my
projects at home.

Thanks.

I think, by the responses, I can assume this isn't happening very often, and
that my case is, thankfully, a rare occurance. I will post a follow up of
results of my pursuing this further. Thanks for the advice in this matter as
well.


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Posted by louie on February 3, 2006, 5:31 pm
 just a thought upon further reflection.  They may indeed have sent a
representative out there, but the break in may or may not have been
approved by Wells Fargo.  The person doing the inspection could
possibly have taken it upon themself to perform the break in.  It's
hard to imagine a supposedly respectable company sanctioning something
like that.  Does Wells Fargo know and admit to actually breaking in or
have they only admitted to sending someone to verify occupancy?


Posted by who on February 3, 2006, 7:03 pm
 You have a point here, they when called, had no knowledge even that the
house was not unoccupied, and admitted only to sending someone out to
"determine occupancy." This would make it tricky in court to prove who was
at fault. They did however, when told about the damage that was done, state
that "since the property was in default" (this is a chicken and egg story
here!! It wasn't in default because it was occupied, however they
incorrectly placed it into default before they found out the truth.)"they
had every right to send someone to enter the property." Maybe I should make
the kids leave toys out, so the house looks more lived in!!!



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Posted by Solar Flare on February 5, 2006, 12:02 am
 Best of luck with this horror story and don't mind the
immaturity of many of this group's self-declared
leaders. Many are having very bad business successes
and need to relieve teir frustrations somewhere.


knowledge even that the

sending someone out to

court to prove who was

damage that was done, state

chicken and egg story

however they

out the truth.)"they

property." Maybe I should make

lived in!!!

indeed have sent a

may not have been

inspection could

break in.  It's

sanctioning something

actually breaking in or

verify occupancy?

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