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ISSUE 7: MARCH 17, 2014
FORECLOSURE
R E S I S T E R SSave the Date!Foreclosure Resisters first
action against Wells Fargo!
When: Thursday, April 3, 2014 at 6:30 p.m.
Where: Outside of the Wells Fargo headquarters at 150 E. 42nd
St., Manhattan.
Details:Call the Common Law o"ce for details.
Take Back the Land RochesterVisits
Foreclosure Resisters!
The Foreclosure Resisters were proud to welcome Catherine Lennon
and RyanAcu#$organizers from Take Back the Land Rochester $to our
monthly meetingin February. Catherine shared her remarkable story
of how she went from losingher home to foreclosure to winning it
back free and clear from Bank of America.Catherine and Ryan shared
their experiences organizing against the banks and
provided many words of encouragement to the Resisters. Thank you
Catherineand Ryan for inspiring us as we launch our own organizing
campaign against WellsFargo!
Common LawLegal Clinic
Location:
NESRI O"ces90John StreetRoom308Manhattan, NY
Time:Tuesdays from 6:30-8:30
Who may attend?
Homeowners in foreclosure
in the five boroughs ofNew York City.
Interested?Call to make anappointmentat:
212-213-3920............................................
Foreclosure ResistersMonthly Meeting
Location: Judson Memorial Church 239 Thompson Street
Manhattan
Transportation: Closest Subways:A/B/C/D/E/F/M toWest 4th St.
When: First Saturday of every month from 4%6pm
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ISSUE 7: MARCH 17, 2014
Congratulations toTangia Miles!
Last fall, the New York Attorney General suedWells Fargo
&for the second time!'for failing to reviewhomeowners
modification applications. The AGdescribed Wells Fargos application
process like playingthe carnival game Whac%a%Mole. The
applicationrequirements are always changing. You cant ever hitthe
mark.
As a result of the lawsuit, Wells Fargo was forced
to establish a direct line between non%profits and
arepresentative at Wells Fargo. This single point ofcontact would
make it easier and faster forhomeowners get modifications. Tangia
Miles was the first to submit her loanmodification application
through this new direct linewith Common Law. The Wells Fargo
representativetold Tangia that her application looked good. It
wascomplete and all signs pointed to her receiving amodification
o#er. During the next few weeks shecontinued to receive positive
updates. By the end ofDecember, however, Tangia received a denial
letter.
When she reached out to the single point of contact,he was gone.
After that, seven di#erent Wells Fargorepresentatives rotated
in%and%out of the case. Eachhad a di#erent reason for the denial.
Tangia, however, kept at it. She and Common Lawfiled complaints
with the AGs O"ce and repeatedlydemanded a more detailed response.
Finally, arepresentative from Wells Fargo admitted that itreviewed
the wrong application.
Tangia and Common Law then pushed Wells Fargoto review the new
application. Again, Wells Fargoresponded with a vague denial.
Again, Tangia filedcomplaints and she and Common Law demanded
adetailed denial letter. In the end, when forced toproduce a reason
for the denial, Wells Fargo admitted
that it accidentally used incorrect tax figures. Tangiawas
finally o#ered a trial modification in January 2014.
Congratulations, Tangia! And, Wells Fargo,take note: The
Foreclosure Resisters are going
to hold you accountable!
Congratulations tothe Manzano Family!
Were happy to report that Ian and NatalieManzano recently
reinstated their mortgage! Here,in her own words, Natalie describes
their longjourney to avoid foreclosure:
The work you guys do at Common Law is suchan amazing blessing.
Our homeownership journeyturned into a home retention nightmare
with ourlimited knowledge of the banking/mortgage process.We've
been lied to, stalled, and almost scammed bycompanies charging (2 ,
50 0% (4,500 formodif icati ons. No one ever offered us
thecomfortable assurance of clearly explained
information on foreclosure process, what part of theprocess we
were in, our rights under the law, and theoptions available to best
suit our circumstances.From my first conversation with
)ForeclosureResister*Mr. Bowen to meeting with Jay and Karen,it has
been an amazing success story. I've alwaysheard of success stories
but never experienced oneuntil now. I'm sure I will find a way to
give back andcontribute to such an amazing and helpfulorganization
/ cause. Ian and Natalie hav! found a valuable way togive ba ck by
sharing their sto ry with otherhom eown ers . Recentl y, Natal ie
sha red herexperience of being in foreclosure with NY DailyNews and
was featured in an article about theMortgage Assistance Program, a
city program thatoffers no%interest loans to homeowners
facingforeclosure.
Congratulations Ian and Natalie!
