WachoviaPreliminary approval has been given to a class action lawsuit settlement between Wachovia and certain borrowers who obtained Pick-a-Payment mortgage loans between 2003 and 2008.

The Wachovia Pick-a-Payment class action lawsuit settlement will resolve claims that World Savings Bank and Wachovia Mortgage (a division of Wells Fargo Bank) violated various state and federal laws in connection with the Pick-a-Payment mortgage loan product. The lawsuit is styled In re Wachovia Corp. “Pick-A-Payment” Mortgage Marketing and Sales Practices Litigation, Case No. M:09-CV-2015-JF.

The Pick-a-Payment mortgage loan permitted borrowers to select and make a minimum payment amount for a limited time under certain conditions. When a payment was insufficient to pay the interest owed, unpaid interest was added to the loan balance and the outstanding loan balance increased (a practice called “negative amortization”). Plaintiffs in the Wachovia mortgage class action lawsuit claim that Wachovia did not adequately disclose the Pick-a-Payment loan’s potential for negative amortization.

Wachovia denies any wrongdoing but has agreed to establish a $50 million settlement fund to resolve the case.

If you obtained a Pick-a-Payment mortgage loan for a primary residence from World Savings Bank or Wachovia Mortgage at any time between August 1, 2003 and December 31, 2008, you may be eligible to claim money from the $50 million Wachovia class action settlement.

The amount of money you can receive will depend on how many people file valid claims and which Settlement Class you fall into:

Settlement Class A includes borrowers who no longer have a Pick-a-Payment mortgage because they sold the property securing the loan, refinanced the loan, personally paid off the loan, or have already obtained a loan modification that converted the loan to a regular mortgage.

Settlement Class B includes borrowers who still have a Pick-a-Payment loan and their mortgage payments are not 60 or more days past due (as of December 16, 2010).

Settlement Class C includes borrows who still have a Pick-a-Payment loan and who are 60 days or more past due (as of December 16, 2010).

If you are a member of Settlement Class B or C, you do not need to do anything to receive a payment from the Wachovia Pick-a-Payment settlement. You will automatically be mailed a payment if the settlement receives final approval.

If you are a member of Settlement Class A, however, you must submit a claim form postmarked no later than March 16, 2011 to receive a payment from the class action settlement. Claim forms will be available on the Settlement Administrator’s website on January 28, 2011.

For more information on how you can receive money from the Wachovia Pick-a-Payment Class Action Lawsuit Settlement, visit the Settlement Administrator’s website at www.pickapaysettlement.com.

Please note: Top Class Actions is not a settlement administrator or law firm. Top Class Actions is a legal news source that reports on class action lawsuits, class action settlements, drug injury lawsuits and product liability lawsuits. Top Class Actions does not process claims and we cannot advise you on the status of any class action settlement claim. You must contact the settlement administrator or your attorney for any updates regarding your claim status, claim form or questions about when payments are expected to be mailed out.

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263 Comments

  • Anonymous February 8, 2011

    Wachovia
    I have this kind of loan from this bank and wonder if it is real and if the lawsuit goes through what will happen next. I am already underwater and can not re-fi becasue of how much, according to wells fargo. I guess well see, probably in 2012 or later. :-(

  • Anonymous February 11, 2011

    Wachovia
    I obtained a pick-a-pay loan from wachovia bank in the time of which is stated in the settlement statement. My payments are current for the time being. I tried for a loan modification, but was told that this is not a option for me. I am sure we have a long wait to see what unfolds from this matter.

  • Anonymous February 17, 2011

    Wachovia
    I was just informed that I do not qualify for a modification. Apparently, if you are struggling but making the awful payments you do not qualify for help. I owe 200K more than my house is now worth. Guess It is minimum payment until it implodes on itself.

  • Anonymous February 19, 2011

    Wachovia
    Does anyone know how many Pick-a-Payment Mortgage Loan customers did Wachovia have between August 1, 2003 and December 31, 2008?

  • Anonymous February 22, 2011

    Wachovia Settlement
    Let me explain how it really works. They plan to settle for 50 million and the lawyers are wanting 25 million. The lawyers will then sue the plaintiff for the 25 million. (They will not get it from the settlement nor from the people who are receiving the settlement. ) There are 26 people who will receive 125,000 each. this money is taken out of the settlement. Leaving 46,750,000. So lets get down to business. there are 517,000 people who take part of this Class action lawsuit. So when you divide the money by 517,000 than the total for each person (assuming they all decide to file the claim) each person will get 90.425 (90.43 if you round up). So that is the break down of the settlement. This is what you are looking at if you are part of this settlement.

    To be honest 50 million is nothing. They should sue them for more because that is chunk change for them. The ones who really win in all of this are the lawyers (who get paid) and the bank (who gets a slap on the wrist)

    • Phil Sullivan Realtor March 13, 2014

      I have a client who is class C and at this time still in their home and very much deserving of that $125,000 reward. Is the jury still out on receiving of funds?

  • Anonymous February 23, 2011

    Wachovia
    8-) Say you took the loan, tried it for a half a year, did not like it onece you have studied it. Then decided to dump it and refi your loan with anonther bank. You paid a penalty for dumping the loan too early, you paid for a refi, your loan principal went up. Could 100 to 500 cover all of your costs. Really? These people should not get the money but a loan restructuring with a principal modified to a just amount. Will this ever happen???????

  • Anonymous February 26, 2011

    Wachovia
    I am struggling to pay my mortgage. If without the little help from my two children, I would not be able to meet my obligation. I was laid off last year and I am on unemployment. I use my unemployment money to fill up but my unemployment is about to end. I have 3 options to pay my mortgage first, minimum payment, 2nd Schedule principal and interest and third 15-year payment plan. I currently chose the minimum payment. I called them to try to refinance to fixed mortgage but they told me I cannot because my mortgage is “upside down” meaning the current value of my home is lower than the principal I owe. I asked for loan modification and they said they have to interview me for at least 40 minutes. I have not done yet because I’m not done with my tax to determine our annual income.

  • Anonymous March 5, 2011

    Wachovia
    So should we opt out of the settlement by March 16th?? I smell a rat here that few people seem to be discussing… What if thjis is a way to get us $95 each, and then as part of cashing this check (which will buy you lunch for 6 at quiznos) we have not given up any right to sue the banks ourselves to get out of our mortgage obigations (whichy seem to be happening with more regularity).

    Thoughts anyone?

  • Anonymous March 5, 2011

    Wachovia
    to the attorney who made the point of the lawyers getting over half of the settlement, if the 517,000 appeal arguing the point that each person would only collect $90, would that make a difference? could we call the lawyers who are supposed to be representing us in the case against the bank?

  • Anonymous March 8, 2011

    class action
    The attorney is right. But left out one thing. If you opt out by March 16th, you will then have the right to sue with your own attorney, otherwise, you loose that right if you stay in the class action. The other thing is that I was encouraged by one of the class action attorneys to try (for a second time) to apply for the loan modification. He said that Wachovia has loosened their requirements. We’ll see. It’s my only hope!

  • Anonymous March 8, 2011

    Wachovia
    I have a pick-a-payment mortgage also and was wondering if 517,000 is a correct number for the borrowers and how and where can we verify it? I am trying to decide if I should exclude myself or be a part of a different law suit in case that number is correct:

  • Anonymous March 9, 2011

    Wachovia
    In the packet I was sent it says “in addition to the settlement fund, the Defendents will pay up to $25 million in attorneys’ fees and costs and up to $1 million to administer the settlement.” I took that to mean that the lawyers fees would not come out of the 50 million settlement fund… but I could be wrong?

  • Anonymous March 11, 2011

    Wachovia pick a pay settlement
    hello everyone

    i sold loans for world savings

    OPT OUT OF THE PROPOSED SETTLEMENT

    the settlement will pay you less than $100 estimated

    OPT OUT TO PROTECT YOUR FUTURE INTERESTS AND GET A PIECE OF THE NEXT CLASS ACTION SETTLEMENT

    mail your opt out letter, certifiewd mail return receipt to the address in the mailer you received

    my phone # is 215*468*0914, leave a message and i will call you back to answer questions

    the settlement may also dismiss your defenses in a foreclosure and let the bank take your house

    great settlement ??? i do not thinkl so

    remember…march 16th 2011 is a critical action date

  • Anonymous March 11, 2011

    pick a pay loans
    hi again

    earlier question asked “how many loans”

    at the height of the world savings program they closed 10,000 loans daily nationwide

    dilute that number by $50 million settlement and you have an arithmetic reason to OPT OUT

  • Anonymous March 17, 2011

    Wachovia
    I wouldn’t be surprised if they helped originate the lawsuit against themselves in order to minimize their exposure to future legal actions. They might have had their attorneys working on both sides of the case.
    Because ninty dollar sounds like just a rediculously low amount….It’s like they are trying to buy off a bunch of uninformed people.

  • Anonymous March 31, 2011

    Wachovia
    Is there anyway to opt out of this class action today? I didn’t realize that March 16th was the deadline.

  • Anonymous March 31, 2011

    Wachovia
    HAMP IS A SCAM created by BANKS, approved by our USA GOVERNMENT, and paid by TAX PAYERS..

    I was denied a loan modification today by Wells Fargo. It seems if you make 5,000 net income and your expenses are 4,500 you don’t qualify for any modification. According to “OBAMA’s Administration” under HAMP guidelines, you don’t qualify for $hit if your expenses are not more than your NET income. Did you guys understand!

    That means your DEBT/Expenses have to be more than your NET Income.

    Hello!! “What about the government taking out taxes, insurance premiums, 401k which we are entitled to when applicable, FSA, Vision, or SSN/Medicare tax, state taxes, etc…. Is that not taken into consideration when considering what one could afford?”

    I want to know which 4th rate lawmakers decided this one.

  • Anonymous March 31, 2011

    Wachovia
    I sent my Pick-A-Payment opt out letter on March 10th, I received a letter saying my opt out is not accepted and I have until March 31st to post mark another letter. I hope you OPT-OUT!
    Dennis Kelley is right on his comments.
    “Save your rights for future use”

  • Anonymous April 4, 2011

    Wachovia
    i to applyed for home loan modification. just recieved denial letter . my payments are up to date and i do not show hardship over last 2 yrs of taxes reported . if your an attorney and read this is there anything that can be done to level the playing field of honesty:'( contact mikeweldit@sbcglobal.net

  • Anonymous April 19, 2011

    Wachovia
    Didn’t get notified? just found out yesterday?
    What can I do now? deadline past 03-16-2011???

  • Anonymous April 29, 2011

    Wachovia
    I am just curious we cant qualify for a loan mod after trying several times. One of us is unemployed and Wachovia wont use the unemployment income and we don’t qualify on just 1 salary. We thought there was so much money available and that they would work with us. When they plug our numbers into their computers they get a “do not qualify! Who is getting that $600 million dollars in loan mods because we sure aren’t! So, once the lawsuit is over and we collect our 90 dollars….what will happen to our loan? Will we still have the same loan we have now? Will new loan papers need to be written up?

  • Anonymous April 30, 2011

    Wachovia
    :TRY NACA!

  • Anonymous May 4, 2011

    Wachovia
    we had two home loans from wachovia.we re-fied our original home to remodel and sell.then the market went down.we put over $120k down on another house. we were stuck with two house payments.tried for almost two years to get the original house modified.never happened.we ended with a short sale .the other home by that time the house was only worth half of what we paid. kept asking for a loan adjustment.that never happened.went to foreclosure. we moved out of state to get a house we are renting . we are out of least $250k + we paid into the two homes on payments for three years. this lawsuit is a joke if they are only going to pay out a small amount. i feel that the bank should have to pay back everytrhing they took.there were a lot of papers signed illegally for a lot of loans. hopefully it will be straigtened out and we will all get back our money or houses keep hoping for a miracle…

  • Anonymous May 5, 2011

    Wachovia
    I have written to the lead attorney on this case asking for answers, after finding news articles which he stated “real cash recovery” would be made to members of the class. Obviously, $90-$100″ is not. A bio found says he worked for Wells Fargo some timeI Don’t know if accurate. Elsewhere, he reportedly said recovery for the class would be small, then we should have been informed of that. Case against Wachovia was about failure to disclose full facts. Seems disclosure of full facts would be required of plaintiff attorneys. If not,, even if the civil case not reversible, inquiry re responsibilities of attorneys to clients could be made with attorneys now, maybe elected officials later.

  • Anonymous May 9, 2011

    Wachovia
    On the website was posted it was going back before the judge on April 29th. Dont see any updates. Whats the status.

  • Anonymous May 11, 2011

    Wachovia
    i still want for class action to help us end up getting the house.we hope a loan modification approval.wachovia keep denie loan modification.how obama programwork.the bank want your money and want to forclosure your house.wake up obama try to stop forclosure and contact the bank now.

  • Anonymous May 12, 2011

    Wachovia
    I have not heard of the final conclusion of the law suit. But whatever the results no one from the attorneys and/or either on the web site indicated the final out come and gave any figures. That is an out right deceit and should be vigorously fought in court. This is a double whammy, first you get screwed by World Savings/Wachovia and now by the attorneys. What a screwed up world this is. If this is a reality, any one for a law suit against these guys? Contact me at kdgashaw@comcast.net.

  • Anonymous May 13, 2011

    Wachovia
    So, it appears that another scam is being placed over top of the original scam; why not? The banks have all of the angles.I wonder how many houses the banks are foreclosing on that they are getting back in states of total interior destruction due to their deceitful practices……. Serves them right

  • Anonymous May 19, 2011

    Wachovia
    OK reading the comments everyone is right. WACHOVIA/WELLS FARGO whoever they are will not give us poor suckers a modifications. That is where the injustice is. The fact that we got into this smelly loan is one thing but we can’t get out! Its like a traingle. I have lost in interest alone over 15,000 in the last 4 years. I tried to modify with Wachovia in 2008 then Wells Fargo 2010. Neither would allow the loan. Why? They make too much money. I think we need a lawyer to represent the people. I think the lawyer who commented should do this. I want my money back….how about any of you? Last they just settled last night and you can read the paper on pickapaysettlement.com. Let me know your thoughts and any lawyer out there willing to represent:-( the people and not their pocket books.

  • Anonymous May 19, 2011

    Pick a Payment
    oK Lynne again. Lets get together and start our own law suit. If we were not properly informed maybe we could get help. My email is escapecrusin74@yahoo.com. I can tell you first hand the banks will not modify these loans. Again I tried twice and believe me it was not my income. THEY MAKE TOO MUCH MONEY ON OUR LOANS. Mine was capped at 7% and interest is 4.5. If anyone thinks we should do this and knows a lawyer willing to help us on pro bono please contact me. I think that the Obama plan was set up to help people stay in there home EXCEPT PICK A PAY LOANS. Anyone with me here. I have tried to contact the lawyers on this matter and it seems that we all have the same story.

  • Anonymous May 21, 2011

    Wachovia
    I missed the deadline to opt out, what can i do now.
    This is another scam, they make you OPT OUT if you don’t do anything. This $90 settlement is a spit in our face. The banks want to continue the robbery, everyone should opt out and have another class action suit. What is the deadline crap. The once who want to join this case should have written something. THIS IS A SCAM THEY PULLED AGAIN WITH LAWYERS, they got 50% of the total settlement!!!

  • Anonymous June 1, 2011

    No REAL Help!
    I too missed the deadline to opt out. Only because I didn’t receive the correspondence to the right address. I went ahead and contacted the bank to get them to work with me as outlined in the CA suit. UNBELIEVEABLE what I went through. They would ask me for the same info time and time again when I had already faxed it with confirmation they received it. And get this… they sent me a denial letter twice. In between each denial to modifiy, they kept asking me for more information….. I would like to know what the hell is going on over there myself. Don’t they know that this is our lives and our family’s welfare they are playing with? Count me in if anyone finds someone else who will take this on. The attorneys in this suit should be ashamed of themselves!!!!!!

  • Anonymous June 1, 2011

    Wachovia/Attorney Scam
    Oops, forgot to add my email address! I want to be contacted if you find anyone who will represent us. janiedress@comcast.net

  • Anonymous June 3, 2011

    Wachovia
    Those of you that want to start or look at a potential law suit should gather an email or contact list so we can exchange ideas on how to confront this issue.

    I see many people commenting that they missed an opportunity here, that is what we thought on when most of us signed up. It is a good thing that you missed it, because, you would have felt the same thing that we are feeling now, remorse. Because we have given our right up for peanuts. Be thankful that you did not signup.

    Now who volunteers to start compiling the names of those that want to explore the potential of law suit.

    let us connect – send email to kdgashaw@comcast.net and at least discuss what we can do.

  • Anonymous June 10, 2011

    Wachovia
    I have been burried alive by this pick a payment loan. The modification process was drug out and they kept needing different and more information with a final decision of “no”. I was finally served foreclosure papers in Feb. and now Wachovia is saying because of my pick a payment loan, they will offer me a $8500 cash incentive (which the attorney gets 40% of it) to short sale my home within 30 days of today. I’m a single mother of 3 and am devastated at this loss. What do you think is in my best interest to do? Does anyone know how this class action suit will help me?., I would be in Class C obtaining the loan 2006.. Please email me tina@tinacoluccio.com

  • Anonymous June 11, 2011

    Wachovia
    It sounds like everyone is saying the same things the banks play by their own greedy rules and the lawyers are crooks in cahoots with the banks , homemods are a joke because they make it impossible get through by many different ways or tricks and the homeowner gets foreclosed. Hey Obama where are you? Do you not see whats really going on here? The end of the American Dream for many while the greedy banks got their bailout wheres ours???????:’

  • Anonymous June 18, 2011

    Wachovia
    On May 17th Judge Jeremy Fogel granted the settlement. I don’t care what the papers said I never signed anything. How did they get my info. They just included me???? What Arbogast & Berns LLP did was fraudulent and the only thing we can do is appeal the settlement. How is the question. There are no attorneys who have the guts to go against other attorneys. Also, write to the Attorney General I did, and sent her a copy of the fax I sent to Arbogast & Berns, basically they are a cesspool. Yes people again we were taken and the government says and that’s OK.

  • Anonymous June 19, 2011

    Wachovia
    those lawyers or what they call themself they are only a bunch of F . thief and they will steal from their mothers

  • Anonymous June 19, 2011

    Wachovia
    Hey, all I can say, is this is bull! They take u for a long ride through this lawsuit, for what? $90-$100? What is that going to do to all the money that has been added to my mortgage payment the past four years? They deceived all of us, wanting us to believe we would some how profit from this lawsuit. On top of it all, none of us will even be able to be approved for a loan modification! So I guess we all may as well realize we will eventually lose our homes. There is no justice in this world of greed, and personally I am really getting sick and tired of struggling all my life to pay these banks. Is it worth it? Anyone agree, write me if u have any ideas what to do now. gyspy601@verizon.net I feel for u all!

  • Anonymous June 21, 2011

    Wachovia
    Just read on the Pick a Payment site that there have been 3 appeals made on the judgement that was signed by the judge on May 17th 2011. Who know how long that will take. This is crap

  • Anonymous June 24, 2011

    Wachovia
    I to tried for a modification and was turned down. If their is a new lawsuit, please contact me and I would participate.

  • Anonymous July 1, 2011

    Wachovia
    I don’t know about anyone else, but my loan officer never told me that my rate would vary (go up!) every year for the first 10 years August 1st on my FIXED RATE PICK-APAY mortgagge. Whats fixed about that!!!!! Every page of the mortgage agreement says fixed rate. now that I have gotten my yearly paperwork, going up to 7.50%….what the f!!!! anyone else suprised by not fixed rate. of course when I look at the papers I signed….page 20 spells out the rate increases on my FIXED RATE mortgage. trusted my bank. shame on me

  • Anonymous July 1, 2011

    Wachovia Pick A Payment Plan
    Dear Cathy Can you please point out where yo were able to see the appeals and do you know on what basis were the appeals made and who appealed. It would help matters if we can get some of the information here.

    To all others, a few of us are exploring a law suit gains this so called settlement. How can we do it and how many would be interested and what mechanism can we use to gather a list to explore all avenues left to us if there are any. BofA just settled for a 8.5 billion settlement on its mortgage fraud issue that stemmed from is Countrywide acquisition. That is also being considered not averrable to home owners. So the struggle continues and we have to continue to fight this injustice in favor of the big banks.

  • Anonymous July 2, 2011

    Wachovia
    Hi…I know something has to be done. Just to say we agree with this settlement is bull. Why should all of us settle for this $90? That certainly is not fair to any of us! On top of that none of us will even be able to get a loan modification either! I agree we should try to fight this somehow. I know I am willing. If enough people stick together on this, somebody should listen. Count me in!

  • Anonymous July 2, 2011

    Wachovia
    KD,
    The web site is pickapaysettlement.com. that is the offical web site for the lawsuit. It was updated on June 21st. It said that there have been three seperate appeals. It didnt say what they were.

  • Anonymous July 14, 2011

    Wachovia
    This is the crime of the millennium!!!!!!!!! No one will get a loan mod if you work and pay on time. The only way they consider is if you are in default and once that happens the real investors get paid by the insurance they have that pays the face value of the loan times 30. So a $300,000 loan is now worth 9 million to the investor. That is why they came up with the great loan mod so those that were paying won’t pay and then get denied. But who gets paid? The investors!!!! Individuals that are fighting on there own are getting results there titles quiet and $$ for damages. This is the most debt you will have in your lifetime. You must fight yourself to save your home!!!!! Start with getting a forensic audit on your closing documents. Don’t give up!!!!! You future generation is depending on you to make the right choice!!!!! Fight!!!!!!

  • Anonymous July 16, 2011

    Wachovia
    88 Yr. old mother and husband owned home since 1971. Husband died in 2005, left her very little. In 2006 was tricked into signing loan docs with grossly inflated income & forged signature of DECEASED husband World Savings original lender, should have known something not right with drastic INCREASE in income AFTER death of sole income earner. By 2007 got behind on payments, Wachovia tried to foreclose. Got lawyers, filed lawsuit. They were incompetent, couldn’t connect brokers to Wachovia, falsified loan docs. Mother signed settlement agreement with 30% income mortgage payments, 1% interest for 5 yrs then increases, no principal reduction. She had to sign away her right to file any future lawsuits against Wachovia. Currently almost $300,000 underwater. When she can’t make payments or dies, Wachovia/Wells Fargo gets the house. Many details left out but this pretty well summarizes story. So she couldn’t be part of this class action anyway, right?

  • Anonymous July 18, 2011

    Wachovia
    We signed up to be included in the law suit thinking it will help, now I feel very bad reading from your comments that we would get $90 -$ 100 on the settlement, I am also aware that 3 appeals were made on the case. We need to do something about our situation. Please let us know if anyone comes up with something.

  • Anonymous July 19, 2011

    Wachovia
    Over the past 1.5 years I tried twice to loan mod. 1st time they said I made too much, next time too little and debt to income ratio too high. Never missed a pymt but currently upside down.
    Self employed so hard to verify income but was not a problem when getting loan! I recently read where B of A was automatically reaching out to toxic assets like ours and making deals direct without even being contacted.
    Wonder if Hells Fargo will ever get there?

  • Anonymous July 20, 2011

    Wachovia
    I would rather give back (if I get it!) the $90 and sit down with a mortgage person to write a new loan with a reasonable APR where I can afford to have the home and still have it paid off in the time frame I was told I would be mortgage-free… $90 would barely fill my gas tank or feed all my children school lunches for a month.

  • Anonymous July 21, 2011

    Wachovia
    I would be interested in knowing what the appeals are. Wells Fargo was just fined $ 85 million and that will be divided up among some mortgage holders but it isn’t clear who will benefit from that payment. I assume they couldn’t be part of the class action. Although I have been able to refinance my home I am over $100K in the hole because I believe the mortgage broker. From the first month I received the mortgage through World Savings I knew something was terribly wrong and that I was lied to. The mortgage principal either stayed the same or went backwards based on the payments I made, I could rarely pay the full amount and went further into debt trying to hold on. I don’t want to settle for this and had I know that this was the path when I opted in I never would have taken this path. Is there anyone that has appealled who can share with us why and a plan going forward? I see people writing with ideas but no one seems to be anwering to the details.

  • Anonymous July 24, 2011

    Wachovia
    I am in the same sinking boat and would like to be contacted in any action against these predators. My email is lynn2828@gmail.com. Good luck to us all…:-(

  • Anonymous July 26, 2011

    Wachovia
    There must be an expiration date for the completion of this CA lawsuit..The judge gave preliminary approval on Dec 16, 2010. How long by law do they have to complete this process? or can they postpone it indef pending our deaths? Just seems to me that there must be a “completed by” date documented somewhere. And if they can’t meet that then this should be up for the filing of new lawsuits.

  • Anonymous July 31, 2011

    Wachovia
    Thanks god someone smart filed these appeals hopefully we are all part of the appeal automatically!!!
    What this bank and lawyers have pulled on us is another scam of great proportions.
    I never signed up for this settlement, but missed the deadline to opt out. $50 Million . ~507000 loans = $9-10, that is your settlement!! It’s another scam!!! on top of the original one and you can never be part of the another law suit!!! Everyone should find out somehow how to join that appeal suit

    Update – Tuesday, June 21, 2011

    The deadline for appeals was June 16, 2011, and three separate appeals have been filed. Payments will not be mailed to Class Members unless and until all appeals are resolved. It is uncertain whether the Court of Appeals will affirm the Final Approval Order and if so, how long that process will take. Any updates on the appeal process will be posted on this website.

    Keep the fight, don’t let the banks and lawyers ruin us more then they already have.

  • Anonymous August 8, 2011

    Wachovia/worlds savings
    Hello everyone. My question is, my parents are loseing there home because of this pick a payment thing. so what i would like to know is how do i know if we have a good case? Because money being as tight as it is this is something that we can’t just rush in to without thinking, so i would really appreciate any advice. Thanks :-)

  • Anonymous August 19, 2011

    The numbers breakdown this way as of 8/19/11. $49.875 million is the settlement fund total and you divide that by 289 thousand people or settlement payments and YOUR TOTAL EXPECTED PAYMENT is $169.55. I wonder if the TARP Payment total that was given to this bank helps them pay this…..What a joke!!! Don’t spend it all in one place folks, and these people are not being allowed to redo there mortgages… what a scam!!!

  • Anonymous August 20, 2011

    I just got approved for a loan mod after trying 3 times. I think it had to do with the numbers I calculated. I had to be creative and have solid proof in order to make it work. Lots of documents and late nights but somehow I did it. Anyone who wants my help can call me directly and I will try to get back to you as soon as I can. (858)492-1329 and please speak clearly if you’re leaving a message, mahalo!

  • Anonymous August 26, 2011

    My comment, it made it difficult for anyone to make a decission on whether or not to opt out of the lawsuit, with out having every detailed disclosed to you. Like how many home owners are involed in the lawsuit. Let the sum of the disbusment justify that number of home owners involed, not what the banks felt they could afford to sustain a profit. The amount of money paid into the pick a payment program, by the homeowners, I’m sure it’s more than fifty million. Another fault on the banks for failing to give full disclosure. This should lead to another lawsuit.

  • Anonymous August 27, 2011

    Modified after bankruptcy. Tried again 1 year out. Was denied, because our payment was within the 31% of gross before taxes. TOTAL BULLSHIT ! ! ! !
    Would like to be included in Appeal.

  • Anonymous September 1, 2011

    I agree with the above comments, I feel we were all blindsided and they ran it by us in such a hurry without of us knowing the full details. We should have had a say in the final settlement payout amount of the 50mil. It was mentioned above about a class action against the attys.I agree, count me in ….

  • Anonymous September 1, 2011

    I agree too! Count me in!

  • Anonymous September 2, 2011

    All these complaints and nothing being done get a high priced lawyer to handle this and get everyone to be represented by him your on the wright track now do something about it.

  • Anonymous September 6, 2011

    Scam! They say they will modify but if you have equity you won’t qualify. They want your equity! Period!

  • Anonymous September 7, 2011

    We were under water and in bad financial shape on our home in Arizona. We had the “pick-a-pay” loan and were upside down about $400K. We were granted a loan modification, but we still could not afford the mortgage payments. We learned a lot and and finally did a short sale. Wachovia (now Wells Fargo) does not want these loans on their books. We also received $3000 in relocation assistance. Wachovia has made it very easy to do a short sale in Arizona and who knows if anyone will ever get any money from the settlement? Call me at 602-558-1671 if you have any questions on the short sale process or email at lisasipes@cox.net. Don’t let your home go into foreclosure….at least try and get some money.

  • Anonymous September 13, 2011

    why are 26 people getting 126,000 & the rest of us getting 90 I would like to know this answer, I tried to modify my loan 6 times & got denied 6 times, I think Wells Fargo does not have any intention to help anyone

  • Anonymous September 20, 2011

    All appeals have been resolved and the Settlement is now Final.

  • Anonymous September 20, 2011

    this is total B>S>

  • Anonymous September 22, 2011

    Exactly, why are 26 people getting so much more…we only got a notice of the law suit…never a chance to get on with the rest.
    We had to refinance, or we were going to lose the home…we lost every bit of our down and so much more!!!

  • Anonymous September 27, 2011

    This is a total sham, the lawyers are working to line their pockets, borrowers will see little to no money from any possible settlement. The borrowers (victims) that sign up for this lawsuit are like people signing a petition, you’re only helping the lawyers get money, don’t be ignorant and think you’ll get a windfall of cash! You should hire your own lawyers but then again many of you can’t afford that which is obvious!

  • Anonymous September 27, 2011

    Remember no one cares about the borrowers, the lawyers are doing this for a pay day, after LEGAL fees the settlement will be doled out whatever that remains among thousands of people. It’s good to be a lawyer, better to be a connected corporate lawyer!

  • Anonymous September 28, 2011

    We want to be in on the counter-suit, too.
    I just read an article about the FBI going after preditory lenders. This could get the attention of the higher-ups!
    Keep everyone posted!
    PS. Has anyone gotten a check yet?

  • Anonymous September 29, 2011

    WHOA! Everybody STOP!! Upon further studies, it’s plain we have a near ‘run-away-train’ here. It depends on the state you live in, for starters. I live in CA and went to Gov. Jerry Brown’s take on this matter. Personally I realize this is still a low settlement for the size we all lost and suffered through, but, to show the quote: “Wells Fargo is also required to pay $32 million in restitution to more than 12,000 pick-a-pay borrowers in California who lost their homes through foreclosure, plus approximately $1.8 million in costs to the state. Payments to foreclosed homeowners are expected to average more than $2,650.” (This is me again) It beats $90.00! To go back to fighting is a personal decision, but for me, I’ve (we) already formed a new and much better life and aiming forward. Sleeping at night ROCKS! I will post when the check arrives and confirm it’s amount. All the best…

  • Anonymous September 29, 2011

    I am in California and did a short sale in lieu of foreclosure in May 2010. Would I be getting the estimated $2,650 as well?

    I have been following this almost every day and to think I’m only getting $90, but I’ll take $9.00.

    To think I have to wait until 2013 to buy again.

    Best wishes to all…

  • Anonymous September 30, 2011

    how can any of us find out if we are even getting a check I still have not received anything they said we sould receive a payment within 30 days from Sept. 7th has anyone in New Jersey received a check? I

  • Anonymous September 30, 2011

    What was the point of the fairness hearing if it’s not going to be fair to the victims? Tell me this $90 is a joke.

  • Anonymous October 6, 2011

    as of the 5th oct called rust inc. who will b sending out the checks. they said the checks have not been sent yet

  • Anonymous October 6, 2011

    Here in Florida I am wondering what $ we will get. We saved our home but it cost us way to much, they lied, no one had to answer to that and the modification for a now 40 year loan is a joke! I have saved all of my evidence would really like to sue them individually!!!!!!!!!!!!!!!!!!!!!11

  • Anonymous October 6, 2011

    Just called Rust, Inc. and they state checks have not been mailed yet so I guess they’re waiting until tomorrow to mail.

  • Anonymous October 7, 2011

    Carline, who is Rust, Inc. Could you please post their phone #. Thank you

  • Anonymous October 7, 2011

    I just called and spoke with a woman at the pickapaysettlement.com.
    She said that:
    -today is the 30th day and checks will be mailed by the 30th day
    -everyone will get the same amount
    -the settlement is 50 million and there were 517,000 claim forms mailed out
    Not good-that would be a settlement of $96.00 for all.

  • Anonymous October 7, 2011

    Rust is the claim administrator the number is on pickapaysettlement.com

  • Anonymous October 7, 2011

    I think the settlement will be higher than 96 but if it is 96 I will join the protesters with a wachovia sign.

  • Anonymous October 7, 2011

    I just got off with the Claim Administrator. I live in California and the checks were mailed today. According to the administrator I spoke with the estimate of 517,000 claims is consersative. There is actually more. So $96.00 might not be received. I am angry that the lawyers took advantage of the homeowners in this situation and made millions. I don’t understand the reason for a class action other than the greed of a law firm. I am writing my congressman. This is CRAZY. I feel exploited for someone elses gain.

  • Anonymous October 7, 2011

    Rust Settlement # 1-866-886-7224 and to receive a loan modification (which is part of the lawsuit) 1-877-546-8449.

  • Anonymous October 7, 2011

    https://pickapaysettlement.com/

  • Anonymous October 7, 2011

    Its sad when the lawyers are being paid on our misery…they get to be compensated…what about the ones, like me that lost all my down and then some..plus i am backwards on my mortgage because i had to refinance…

  • Anonymous October 8, 2011

    There are many homeowners that did not need to file a claim. Class B & C ~ so how ever many of those Class individuals there are could increase the number greatly, is that right? How are ‘they’ defining ‘claims’?

  • Anonymous October 8, 2011

    The State DA for California is Edmund Brown and can be contacted by website with the details of the settlement. I wonder if Watchovia is testing to see if anyone gets angry or anything? If they really pay $90.00 to each person evenly, I’d be a little nervous if I were them. Do a search for the State DA for your state for details/updates. PS. I knew the checks wouldn’t be sent until the very last day, at the very last legal minute, didn’t you? Of course!

  • Anonymous October 9, 2011

    Same long story here. I am in middle of 3rd attempt with Wachovia. 1st time was in between jobs, told me we did not make enough, 2nd time I had been employed (Wells Fargo now took this one), they took 6 months to tell me we now made too much. We just went back…job/salary has been reduced and we are behind in mortgage, CA, jumbo loan, a bit sticky. I think we are near that magic window everyone refers to, our loan is not underwater yet, a small amount of equity left but we could argue that one. Will let you all know. Would definitely be interested in a lawsuit, all slimeballs everyone of them, I think they do everything in their power to find a reason not to modify so they can earn interest on the money! It’s a HUGE scam. even with the sad state of the country, it will be far sadder if all of us lose our homes….

  • Anonymous October 9, 2011

    I also heard that number 517,000. However, what I heard is somewhat different. As we know there is three differnt classifications that consist of that 517,000 number. “A”, “B”, & “C”
    The B & C group automatically qualifiy for their part of the settlement. (they were not required to email proof that they had a mortgage that fell into the category.
    The A group had to submit info via email or mail. So now the question is how many A, B,C fall into each group.
    This is just an example. If the B & C group number of mortgagee’s totaled 100,000 and the balance (417,000) belonged in the A group, then if only 200,000 from the A group submitted their paper work for the class action suit… only 300,000 instead of 517,000 would receive payment.
    The split would be less. That is why I feel we will get more that the quoted “$96.”

  • Anonymous October 9, 2011

    I also heard that number 517,000. However, what I heard is somewhat different. As we know there is three differnt classifications that consist of that 517,000 number. “A”, “B”, & “C”
    The B & C group automatically qualifiy for their part of the settlement. (they were not required to email proof that they had a mortgage that fell into the category.
    The A group had to submit info via email or mail. So now the question is how many A, B,C fall into each group.
    This is just an example. If the B & C group number of mortgagee’s totaled 100,000 and the balance (417,000) belonged in the A group, then if only 200,000 from the A group submitted their paper work for the class action suit… only 300,000 instead of 517,000 would receive payment.
    The split would be less. That is why I feel we will get more that the quoted “$96.”

  • Anonymous October 11, 2011

    Just got my check today for $178.04. Feel it should be more than that but will take what I can get.

  • Anonymous October 11, 2011

    just received a check for $178,if i cash this will it hurt my chances in the future?

  • Anonymous October 11, 2011

    I also just received a check today for 178.04, should I cash it,,i don’t understand any of this

  • Anonymous October 11, 2011

    just got my check…….yea buddy!!!!! $178 bucks! well that and the 65k they knocked off my principle and the 2.65% fixed interest rate after their modification. World Savings was the best loan i ever got into!

  • Anonymous October 11, 2011

    Yes, I too received a check for $178.04 So if we cash it, I suppose it means we accept what we got, and cannot be a part of any other lawsuit against the bank? So they say we have 90 days to cash it. Anyone have idea on what to do at this point?

  • Anonymous October 11, 2011

    I received a check for $178.04 today and had to google the Pick-A-Payment Settlement to find out why I got the check. I found the above comments both interesting and troubling.
    Sounds like some people didn’t understand what they were signing when they agreed to their mortgage. I will deposit the check and forget about it.

  • Anonymous October 12, 2011

    I am not sure what to do.. ..how can we find out? I also received a ck for $178.04.

  • Anonymous October 12, 2011

    @Randy, how did you get them to knock $65K off your principle and 2.65% fixed interest after the modification? Everyone is underwater, please help share, I desperately need some advice.

  • Anonymous October 12, 2011

    Hey “Randy M” please share some input as to how you got them to reduce your principal balance. PLEASE PLEASE SHARE, IT would be so helpful to know. I too got my $178.04 check in the mail today.

  • Anonymous October 12, 2011

    I just got a check for $178.04 yesterday and do not even remember if I signed any law suit paper but Iwill be happy to learn from Randy how he got the 65k off his principal and interest of 2.65%. I had a heart surgery in 2010 and started to be behind and just went back to work but earning way below 50% than when i used to have 2 jobs. Please help Randy on how you did it……thanks

    I do not know if to cash the check settlement or not …anyone help…please

  • Anonymous October 12, 2011

    What I would like to know is if it is lawful to cash the settlement check if you fall into Settlement Class C only because the foreclosure on the property has not yet been completed. Have not lived on the property since 2008 and the court system is simply so backed up with foreclosures that it is still in my name.

  • Anonymous October 12, 2011

    those who took apart people lives and family ,suffer the way we have.

  • Anonymous October 12, 2011

    Basically we got screwed again and the Lawyers win. At least we got to new refi years ago and are getting our principle down. What a freeken joke. Can’t believe a Judge oked this knowing that we would only get a check for $178.04. :( if you need anymore infor. go to website.

    https://pickapaysettlement.com/

  • Anonymous October 12, 2011

    I thought u were joking Randy about what u said. So how did u get them to do all that?? We all would like to know. Thanks

  • Anonymous October 12, 2011

    I too received a check for $178.04. At first I thought it was fake. I really need the cash to fix my car! But not sure what to do! What will happen if I cash the check?
    Thanks!

  • Anonymous October 12, 2011

    I just received my settlement check for $178.04, but I am afraid to cash it. Does anyone know for sure what rights I am giving away if I do cash it? It only gives me 90 days before the check becomes null and void.

  • Anonymous October 13, 2011

    this is bull shit 178.04

  • Anonymous October 13, 2011

    Hello my name is Rosa just got a check of 194.04 , but I never heard nothing about this situation of Wachovia and thought the check was fake. but now that iam reading all this comments I realize the check is good . I will double check this with my branch then deposit it cause I too did a modification with wells fargo and got drop about 55thousand out my principal and got good interest rate of 2.99. so maybe this is another blessing from God to me. thanks

  • Anonymous October 13, 2011

    My story is just like everyone eles, no refn, no mod, just pay the min until it blows, I guess…..

  • Anonymous October 13, 2011

    What should I do, I got my check 178.04
    should I go to Well Fargo/Wachovia and ask for a modification?
    I need answers. Soon my son is going to grad this year and I don’t even know how I would be able to pay that.

  • Anonymous October 13, 2011

    try for a modification through your state da site..even if you have tried before. it wont make you whole but at least it will keep you from being upside down on your mortgage. look up a lot of sites and read read read…educated yourself before applying.

  • Anonymous October 13, 2011

    This is the saddest thing I’ve ever seen in my life. Again I ask, what is the point of the “fairness hearing” if the attorneys are allowed to profit off of our misery? WTF is this country coming to? This check is a joke, but not funny at all. I am mad.

  • Anonymous October 13, 2011

    My husband and I just got a check for $178.04 yesterday and we had NO IDEA about this lawsuit. We will be happy to learn from Randy and Rosa how they got the $ off their principal and lower interest…….At this point we are not sure if we should cash the check settlement or not …. Any advice?

  • Anonymous October 13, 2011

    @ Randy and Rosa – can you please provide us with phone numbers, websites or email addresss of who we should contact to get our prinicpal balance lowered. Any help you can share with us will be appreciated by many! Just point us in the right direction! There are so many of us lost and confused!
    Thanks!

  • Anonymous October 13, 2011

    https://pickapaysettlement.com/
    January 28, 2011 – Friday, January 28, 2011

    For questions about this Settlement, please call Rust at 1-866-886-7224. Do not contact the Defendants with questions about this Settlement, including questions about the notice you received or questions regarding how much your settlement payment will be. If you have specific questions about your loan or wish to discuss or apply for a loan modification, contact the Defendants at 1-877-546-8449. Again, please do not contact the Defendants with questions about this Settlement, as those callers will be referred back to this website.

  • Anonymous October 13, 2011

    To get your interest and principle lowered you must apply for a home loan modification. Due to the States losing money on property taxes they became involved. So the best place to apply for a modification is through YOUR state’s DA’s office. But i would read up on mod qualifications before applying. I got 40K off principle and 3.65 interest plus every year Im a good girl and pay on time i will get an additional 1K off principle for five years. Which i find halarious bc I would have never been late if they had not swindled me.

  • Anonymous October 13, 2011

    I JUST RECEIVED A FUNY CHECK FOR $178.04
    iS THIS MEDIOCRE PAYMENT ALL WHAT I GET FROM A CLASS ACTION SUIT
    IS THERE A PROVISION FOR MORTGAGE MODIFICATION?

    PLEASE REPLY

  • Anonymous October 13, 2011

    Check $178.04 …
    If you cash this check, you cannot file a lawsuit against Wachovia about the same class action. You can file a different lawsuit, but not the same.

    Basically, they get a slap for “Deception” and your $178.00 check is NOT admission of guilt on their part, simply a settlement for adding thousands of dollars “negative amortization” to your subprime mortgage. Unless you have plans on suing, paying exorbitant lawyer fees, I can only suggest you take the money. They will send you a “reminder” notice for those who are waiting out the 90 days.

  • Anonymous October 14, 2011

    I too got swindled on this loan and am now tying to dig myself out of a whole. I do not know where to turn or who to trust for a loan. so sad i could cry over my american dream!

  • Anonymous October 14, 2011

    Who hasn’t cried buckets? Is this that “Let The Buyer Beware” thing? Then how long until we need to guide our surgeons through a successful operation? We, such as our parents and grandparents, didn’t need to worry about catching an agent or lender in a swindling contract. They paid a down, make their mortgage and taxes, and then, after a certain number of yrs, had a mortgage burning party! But this mess is OUR fault, according to the jerks who watch from afar. Now this burn. wow. Where is the good ol’ US of A??

  • Anonymous October 14, 2011

    This is a piece of garbage for a settlement. The judge should of made Wachovia, re-do every loan with today current interest rate. A 30 years loan at today current valve of their home and help these individuals out. HELL NO… The system will not do that. The lawyers made a bundle from this deal and the individuals that were taken will get a piece of churn changes. How fair is the system. Why didn’t government let the big BANKS fail…

  • Anonymous October 15, 2011

    OK, every one of us aren’t sure what to do, and we here noticed that the words, “Please Cash this check immediately” is in bold letters. We all know by now that Watchovia is not Watchin Ova Us, and is trying to ‘guide’ us again. I suggest we all consult a few lawyers (online and any way U can) for a consultation. There’s no charge to see if there’s a way to persue this. An unethical agent? No/poor ethics? No disclosure as to how much these checks were going to be, etc. We come back here to see if anyone’s successful. I’ll tell my results! signedL tresurs at live dot com

  • Anonymous October 15, 2011

    will be distributed on a pro rata basis to Settlement Class A members who have
    submitted timely, valid claim forms and to Settlement Class B and C members who have not
    excluded themselves from the settlement. Because the settlement fund will be divided on a pro
    rata basis, no unclaimed portion of the fund will remain after distribution. In the event that a
    class member fails to cash his or her check within ninety days after issuance despite a required
    reminder notice from the settlement administrator, the funds from uncashed checks will be used
    to offset administration and notice expenses; any remaining funds will be distributed by means of
    a cy pres fund to non-profit organizations.

  • Anonymous October 15, 2011

    OK, I sent the I don’t want to be part of the settlement back whenever I received it and forgot about it. Then on Friday, I get this huge check (LOL) for $178. I went to the pickapaymentsettlement.com site and I don’t even qualify for the settlement. It states you have to be 60 days behind and we are current.
    Where does that put us? If something comes up, I want to be able to initiate my own law suit.

  • Anonymous October 16, 2011

    we, too, received this 4178 check on friday, 10-13-11. what a joke was my first response, I cannot type here my 2nd response due to the harsh words used. The banks keep screwing us. no wonder the world is participating in “OCCUPY”” I hate to say it, but I think that anyone who didnt “OPT-OUT” u r stuck with the $178. We have tried for the last 1 1/2 yrs to get a loan mod (using a 3rd party law firm) & wachovia denied us everytime. we do qualify, but each time they come back with a different reason. I agree with steve P (above) the judge should have made a mandatory decision and eveyone should have gotten a loan mod) wachovia sucks.

  • Anonymous October 16, 2011

    oopps! meant to say $178 check NOT $4178 (Would have been nice)
    BTW $178 does not make up for all the neg-am from the past nor the future.

    dont know what any of us can do.
    I think the ruling should be overturned (if possible)
    I will email the defendants attorney to find out if that can be done and how? (Cost)?)

  • Anonymous October 16, 2011

    In case anyone is interested in speaking to the main lawyer for the defendants:

    jberns@law111.com

    This is the main lawyer for the defendants in the Wachovia pick-a-payment lawsuit.

    Jeff Berns FYI

    you can find his phone and address on the state bar website under the search for lawyer section

    I have just now, emailed him asking what else can be done, if anything.

  • Anonymous October 17, 2011

    I did just that, wrote to jeff berns about all this, and will see if he gets back to me. will keep u all informed if I hear back from him. I would suggest everyone do the same.

  • Anonymous October 17, 2011

    I received the 178.04 check. i am a little nervous about cashing the check. It took me 2 years to get a loan modification. I am affraid that if I cash this check, it will mess up my new loan. Has anyone cashed the check, and if so did anything happen??

  • Anonymous October 17, 2011

    I am in class A and recived my paper work reguarding the settlement. I then sent in my claim form because in the forms it states if I do nothing I give up my rights and the deadline was really close so I sent in my claim ,but after doing my reasurch and calling the hot line number I asked how many people are eligible for this class action they told me like 500000 so I did the math and guess what 90 dollar payout. To make a long story short I just recived my 174 dollar check and want to know what to do . Or am I screwed for turning in my claim . What a joke just another Scam I think we should all start up a classaction I am interested to hear your thoughts contact me at brant5009@yahoo.com

  • Anonymous October 19, 2011

    Our check is also 178.04, I feel like we have been used. We accepted on good faith that the agreement would be fair and adequate. I believe the attorney’s did not act in good faith for our best interests – but rather an agreement that was very lucrative for their firms. I know this is how we all feel. Our loan was with World Savings, pic a payment, we put 20 percent down and had good credit. We were told that if we made bi-weekly automatic payments from our checking – our loan would never accrue any negative interest. Wow was that ever a lie. Does anyone have any advice on what we as a group can do at this point since we have been taken for yet another scam. Or is this the end of the road and we lost? Our loan was classified class A.

  • Anonymous October 22, 2011

    I have my check also for $178.04. I have 2 ideas.

    #1, we all put our $178.04 together and hire an attorney to fight for modification of all of our loans.
    #2, we all get together and notify the bank that if they don’t modify all loans, none of us will make our December payment. Imagine that. If 500,000 people, all didn’t pay their mortgage, I think they would be forced to work with us all. If they don’t give in, then we all don’t pay the next month, or the next, until they cry Uncle. I think it would work.
    Meanwhile, you save your mortage payment every month, incase they forclose on us all, so that we can rent a home or apartment.

    What do you think?
    sales@futons.net

  • Anonymous October 23, 2011

    I like your idea Allen, except I deposited my check already cause I needed the money unfortunately. I feel they should work with all of us to get a loan modification. That is what the lawyers should have done to help us all out when the civil lawsuit was on. For them to settle for just this $178.04 was not in any of our best interest. I really don’t know what I am going to do in another year, cause that’s when all the deferred interest will roll onto my payment. So now what?

  • Anonymous October 25, 2011

    Hi, I also received a check for $178.04, but in my case, I sold my house 3 months ago so I no longer have mortgage under my name. I am just a little skeptical to cash this check for fear of hidden obligations, or maybe there is more I can do to settle this? Any help is appreciated because I have no idea how all these things work, thanks!

  • Anonymous October 25, 2011

    omg cash your checks…it over! you had an opportunity to opt out and take them to court (and good luck with that one cuz no lawyer will touch that unless he is paid and paid well) face it…we got screwed…they all got together and played golf and decided long before this was ever taken to court. Now modifications..different story..put some pressure on your representatives and educate yourself on the procedures..the States are losing property taxes and most want to work with homeowners.

  • Anonymous October 26, 2011

    If you do like Karen and cash the check, it’s over for you. Take a seat and refocus your current life. The reason you read:” Cash This Check Immediately” in bold letters is there is still time to appeal, etc. Don’t contact the lawyer they hired to represent us. Either they work for ‘them’ or they’re bad at their job. It’ easier than ever to find attorneys that work in this field and they’re drooling! I am doing this. I have the check and have no intentions to cash it no matter how hungry I get. 178.00??!! I’d rather be a pebble in their shoe at the very least. And no, pooling our checks together. etc. won’t work. Too many details. And they hope you don’t make your payment(s). That’s how ‘they’ are taking control of America’s financial strength. It’ll be the rich and the poor just as Donald Trump predicted. The latest? Reverse Morgages. It’s how the bank takes paid-for houses from the elderly. They’re a patient bunch. This is far from over… Don’t cash that check! You have a case!

  • Anonymous October 28, 2011

    WE ARE SENDING THE CHECK BACK AND TELLING THEM … “”IN GOD WE TRUST”. WE DON’T NEED THERE UP, they didn’t help us anyway. GOD WILL PROVIDE FOR US. THOSE OF YOU WHO CAN GET THEM TO MODIFY YOUR LOAN DO IT. THAT IS PART OF THE SETTLEMENT.

  • Anonymous October 28, 2011

    You did copy the check, right? I guess a loan mod might help, just read and reread the documents. ‘…fool me twice…” I’d be scared to pieces!

  • Anonymous October 30, 2011

    The loan mod scam has been perpetrated by every bank. Wells Fargo made me jump thru hoops for months only to deny my mod in the end ,stating that Freddie Mac said I DID NOT MAKE ENOUGH MONEY TO MODIFY! My loan was current and had never been a day late. I gave up early…sounds like I am the lucky one as they did not force me into foreclosure…just BK. Heads up to everyone. The reason they are offering those pay-outs to leave is because people are successfully stalling their foreclosures for years…do the math. No payment on your home for up to 3 years?? My ex has done exactly that. He found out early on that his bank had no real intention of modifying him, that they were playing games & he successfully turned the tables on them. Ten years ago I would never have been in support of someone doing such a thing, but as my ex’s 3rd year anniversary w/out a mortgage payment is upcoming and he is STILL in his home….I am his biggest supporter. He is beating them @ their game….hoooooorah!!

  • Anonymous November 3, 2011

    If anyone who was a class member in this law suit, and is not of African American heritage, could you please contact me? It’s very important and your help would greatly be appreciated. Let’s stick together to stop these predators from doing more destruction then they have already done. you can feel free to e-mail me at jdt700@gmail.com Please. Anyone. Thank you

  • Anonymous November 4, 2011

    I am in the same boat as all of you. If you are getting together to file a lawsuit against Wachovia please contact me at the email above. Thanks

  • Anonymous November 4, 2011

    I forgot to give my email address. Scarlettrose02@aol.com. If you are going to file lawsuit against Wachovia please contact me. Wachovia needs to be held accountable!

  • Anonymous November 7, 2011

    Got my check for $178.04 …… PISSED…….. How is that supposed to help me, or even lighten any kind of load in my life right now … I had to short sell my house and still had to do bankruptcy at the very end…. All because of a scam loan…. Now my Credits gone and someone is out there chillin on a boat smoking a cuban cigar with all our freakin credit/money ……. While I am trying to build back up my credit for me my wife and three girls ….. 178.00 .. BS opdopy@hotmail.com I’m ready to fight

  • Anonymous November 7, 2011

    It’s not legal for them to make you opt out of a lawsuit that you never asked to be in.I received the check for $178.04 and I’m not cashing it. That’s chump change compared to the interest we all have paid.I’m sure in the future that I will be able to use this as leverage when I decide to re-fi or loan mod.it will probally take years but I won’t give up my rights to future compensation for $178.

  • Anonymous November 8, 2011

    I just got off the phone with the administrator. My check was mailed to me but has not been cashed yet she said… I have to write a letter and request they cancel the first check and send me a new one… YEAH RIGHT, I have been unemployed for almost 7 months now and hate to say it but I need that little check to keep things afloat. If the check had been sent to me I’d have cashed it. I have never missed a payment to these guys but when it comes to getting a check from them, I once again have to be the one to jump through all the hoops. My request for a modification was turned down after several months of BS sending them everything more than once only to be told I WAS NOT ELIGIBLE because I was not in imminent danger of default… (WELLS FARGO sucks)

  • Anonymous November 12, 2011

    I found a firm that only deals with situations that involves several people (like we are): ‘The Public Interest Law Firm’ (TPI) Their purpose is to help masses of people, not just one entity. Are they students? I don’t know. I am trying to contact them but I think if we all bonbard them, they might take notice. According to them, all banks are watching this Watchovia suit/settlement to see if the courts back the banks on this. If so, as it appears, all banks are going to follow Watchovia’s lead. So, the banks get bailed out AND settle so no one can touch them! wow… Stay in touch, please.

  • Anonymous November 15, 2011

    I am posting this to help in any way I can. I just received a loan mod from Wells, the third time! This was recent with re: to the lawsuit. The 1st time we were denied as we didn’t make enough, 2nd time denied because after I became employed, we made too much. 3rd time our status has changed radically and this is what they gave to us..They converted the loan to a fully amortizing loan, beginning with a low interest, increasing by 1 point for the two years and capping in 5. They waived 2 months back mortgage we missed along with 2K in fines/late charges, they added our large back property tax bill to the balance of the loan and they required us to impound our taxes going forward as a condition of the loan mod. This was a JUMBO loan, we just signed. If anyone would like further info, pls email with your questions. I am still shocked….

  • Anonymous November 16, 2011

    I am throwing the towel. I received the check fro $178.04. There is nothing we could do. I am getting foreclosed on December 14, 2011 by Wachovia/Wells Fargo and will file for bankruptcy early this coming year. I am losing my home of 11 years. I am losing my credit. I lost faith in the system. The big guys won again.

  • Anonymous November 16, 2011

    If you are getting foreclosed and you file bankruptsy before they foreclose.that will buy time . i know people that have the intend foreclose and they are still in their house for over 4 years crazy huh! Check with an attorney and find out if this is true. We are all in the same boat we are all under water . GOD is in control of our future just trust that what ever happens we will survive. Because God is good all the time

  • Anonymous November 16, 2011

    I received a check for $178.04. I have not cashed it. My pick-a-payment ended in Mar, 2011. They put me on a loan that the interest rate is going up and down. I am not trying to get a loan modification. What are my rights regarding the interest that is now added to my loan from the pick a payment?

  • Anonymous November 16, 2011

    Can we make a big petition??Like the one they did for BOA when they mention charging $5.00 Fee. Lets make this Big like Occupy Wall street!!

  • Anonymous November 19, 2011

    It’s depressing to see what this world has become. Thieves, liars, and all in the name of greed. How these people can get away with doing this to thousands of people is horrible! And what is really depressing is that they got away with it through the system. Just goes to show who they are for. It certainly is not for the people, who struggle all their lives to keep a roof over their heads. This world is going to hell, or maybe were already living it. I don’t believe in the system, and neither should anybody. It’s all a crock of crap! Let’s hope justice comes to us all from a higher power, cause that’s our only hope.

  • Anonymous November 22, 2011

    You’re right. We went to buy a used car from who we thought was a private party when we discovered it was a dealer. We went through the steps and when we got to the money/contract part I could feel my blood pressure rising. I firmly put the pen down and looked at the longest contract I ever saw (next to real estate papers) and told the guy how we were victims of the preditory lending and all it entailed. I told him I can’t sign the papers because I’m convinced there is SOMETHING in there to distroy us financially!! I am never signing a contract again. Maybe that’s the way to get these slimy, oozing people back. They’ve taken our trust, etc. and we should all go on a cash only basis. That would crush them…

  • Anonymous November 28, 2011

    We also were mislead by World Savings/Wachovia/WellFargo. In 2007 we refied into this nightmare for $260k when I saw the principal increasing and interest going up. After being denied a loan mod. tried to sell for 2+years finally had to do a short sale 2010. Realestate told us April 2010 don’t make anymore payments we owned this for 19 years with no lates.. Short sale closed Aug. 2010 by then my principal increased to $271 K. Now can’t buy/qualify for a FHA for 3 years from short sale. Our credit reports show high balance of loan $325 K (wrong) and 120 to 150 days late. Account status ranges from PAID to SETTLED FOR LESS to Unknown.
    So you can say they have ruined our life also.
    It anyone starts a lawsuit please let us know.
    kchocmilk@gmail.com

  • Anonymous December 1, 2011

    WE are sending the check back saying,”BLess you, But “NO” Thank you!!! Blessed are those who Trust in God, NOT evil man!!!”” Amen
    God is GOoD. The wealth of the Evil is stored up for the Righteous. Wait and trust on GOD not Man!!!

  • Anonymous December 8, 2011

    We never got our check. But today we did get a letter stating that we did not spend the check. Wth is this crap.

  • Anonymous December 9, 2011

    I am applying to the Florida Attorney General for being refused several times for Loan Modification because of contradicting reasons of denial by Wachovia.

    Email: Kushnirkii@aol.com

    IK

  • Anonymous December 9, 2011

    Just got a postcard saying that I never cashed the settlement check sent to me in October. Never got it! Must be a scam. Now 6 months late on my mortgage…..trying to do the modification and they keep telling me I never sent in my documents they requested. Bull! They now have a specialist who I have to speak to and never calls back or his voicemail box is full….mind you, am only one month behind and they will not take 5 out of 6 payments…..love it!

  • Anonymous December 11, 2011

    I just got a card asking me if already cash the check but I didn’t get a chech or even the first notice about it. can i still do something about it?

  • Anonymous December 12, 2011

    So…I did cash the check, wish I didn’t, but needed the money at the time. I’m a single parent, trying to pay all the bills on my own, make ends meet just week to week at this point. I have til next November before it all hits the fan. $20,000 to be rolled onto my $200,000 mortgage! I make $11.25 an hour, which as we all know is nothing. So how am I going to pay the payment come next November? I understand their not to willing to give you a loan modification unless your 90 days in default, and that doesn’t even mean they will do it in the end. Its a chance u take, more likely they will want to foreclose! These banks are not for us, all this stuff Obama was talking about with the loan modifications is bull, cause when push comes to shove, all they say is you don’t qualify. Then who does?

  • Anonymous December 12, 2011

    Hi everyone, I’ve been turned down by Wells-Fargo two times now for a Loan modification. They want me to apply again, PLEASE I NEED HELP! FN said best place to apply for a modification is through YOUR state’s DA’s office, but to read up on mod qualifications before applying. There is so much info. out there and lawyers who will do it for you for a fee. Is there anyone on here that can give me some good sites where to start? Also Sharon said, “cash the check, it’s over for you.” I did not cash my check yet. Please, I need some help! Please email me at homesinnj@hotmail.com
    Thank you very much, Bob

  • Anonymous December 26, 2011

    I had opted out as soon as I read the settlement terms; they screwed me once, but no way – not twice. I have an active law suit against Wachovia ever since they refused to MOD my loan back in Dec of 2010, even though I was told, prior to signing, that I could MOD my loan at any time for the life of the loan/.. What BS, it was all one big scam! My layer is “Airan Pace Law, PA” 305-609-6670. My E-mail is Simonri11@peoplepc.com

  • Anonymous January 3, 2012

    I also was a part of the Pick-a-payment. I am in California. I received a check for $178.04. I will not cash this. I tried to get a loan modification and they denied me. Now they have me on interest rate that changes yearly. That just came in the mail. I tried to call today and of course, they systems are down. I am appealing their decision. If I am denied again, I am getting a lawyer. Enough of this ppl trying to screw the little guys. $178.04, what a slap in the face.

  • Anonymous January 3, 2012

    I would be interested in learning if anyone who opted out of the class action suit has subsequently filed suit against them.

    I understand that the class representatives got about $150K each and there were like 16 of them.

    I intend to sue them independently and negotiate down my principal balance but timing is everything and I want to find out what the statute of limitations is to file suit and if anyone else has been successful.

  • Anonymous January 4, 2012

    I just spoke to the so called administrator of the State of California. I have got check. I was told it would be sent out after 30 days????? The ltr. states we will be getting at least 2000.00.

  • Anonymous January 6, 2012

    I receive a letter.that states will be receiving a $2000.00 check Does anyone knows when will be mail. Thanks.

  • Anonymous January 7, 2012

    What is this about? $2000? Is that for everybody, in addition to the $178 check? Curious

  • Anonymous January 11, 2012

    I have been in the Mod program for 3 and a half years they keep droping me picking me up and procrastinating mmmm what could this mean they. Could just get it over with mmm im confused.

  • Anonymous January 16, 2012

    I send an email to the settlement administrator questioning the letter that I received. I had a reply stating that sometime after January 31 I will be getting the 2000 check. I hope this will go to Avery person that receive the letter and I hope that when they said that sometime after Jan 31 is not going to take the whole year. I lost my house and I have been without a job for the last 14 months. This will help me alot.

  • Anonymous January 20, 2012

    You had to have filed a Claim Form either by mail or online by December 9, 2011 to receive the settlement check. The original settlement states that no one shall receive less than $2,650. I questioned why the letter that was sent out says $2000 as a baseline and was told the DOJ AG’s Office was who set the amount. Well they set it at $2.650 minimum. This claim was strictly for people who lost their homes to forclosure during 2009 – 2010. There were specific dates. You can find the original settlement on the State of California, DOJ AG website. I opted out of the $178 settlement so I wouldn’t be limited in future suits. I also just received letters asking for specific information regarding my pick a pay loan. This is being request by the Federal Govt. now.. They are now investigating all the major banks…Good Luck to all and may everyones future be much better than the past couple of years.

  • Anonymous January 29, 2012

    Has anyone contacted Kristen Crone, Attorney at United Foreclosure Attorney Network? They are putting together a multi-party action against Wells Fargo. ufanlaw.com. We are thinking about signing up. Any personal experience with them?

  • Anonymous February 3, 2012

    I received a notice in the Pick A Payment Settlement last December stating that they had mailed me a check in the settlement and it needed to be cashed by October 7th of last year. I called the number on the card and was told that i needed to write them a letter stating I did not receive the check. I immediately wrote them a letter stating I did not receive payment and have been calling them every since. They rudely say they have thousands of responses and have no idea when they are going to repost the checks.I have a feeling they are not going to repay these claims unless something is done. Does anyone know the names of the Attorneys who brought the lawsuit to court? Please e-mail me at linlewhite@gmail.com because this company needs to stand accountable for their fraud!.

  • Anonymous February 7, 2012

    We got the check and will never collect it, this is blood money. I contacted the governor of CA twice, Kamara Harris, Sacramento, FTC, Obama, faxed a letter to Obergast & Berns, lead attorneys in CA….. zero result. It wasn’t enough to be raped by the banks, now the attorneys had their turn. I will never vote for anyone in government. 517000 were thrown in a shark tank, the sharks being the banks and attorneys. Wachovia told us to stop paying while working on the loan mod, 3 months. They sent a letter that a new account had been opened for us, two days later they cancelled. Credit rating went down and we had to pay penalties. Why does the government endorse this behavior. So much for the land of opportunities. Not.

  • Anonymous February 7, 2012

    Call your Congressman in your county they are working to help with all the forecloses and might be able to help you with your loan.

  • Anonymous February 9, 2012

    We have one of these loans and have tried numerous times to do a loan mod and have been turned down 3 times. We just heard about this class action suit and am wondering why we never received notification of this suit prior to its settlement. Does anyone know who we can contact?? The only thing we can think as to why we didn;t get any notification is because it was made to an LLC, instead of an individual. Shouldn’t matter still a bad loan!! Can anyone give us any helpful information? We would appreciate anything to help get us in the right direction. Thanks.

  • Anonymous February 13, 2012

    I completely and accuratly filled out the claim before the dead line in May 2011. On the website that I filled out the claim form it stated that checks will be mailed out after January 31st 2011. It also stated a minimum of $2000.00 would be sent. It is now Feb 13, 2011. Checking my mailbox every day. Wondering what the phone number is I can call to check status. Thanks, Bret

  • Anonymous February 13, 2012

    Sorry, the above statement I meant to say January 31st 2012. Correction.

  • Anonymous February 13, 2012

    I completely and accuratly filled out the claim before the dead line in May 2011. On the website that I filled out the claim form it stated that checks will be mailed out after January 31st 2012. It also stated a minimum of $2000.00 would be sent. It is now Feb 13, 2012. Checking my mailbox every day. Wondering what the phone number is I can call to check status. Anyone have any similiar situation let me know… Thanks, Bret

  • Anonymous February 13, 2012

    bret, you can email info@wfassuranceagreement.com or call at: 1-877-265-3993. i emailed them on feb. 7, they replied: “We do not have a distribution date at this time.” on the letter, it said the checks should be mailed anytime after 1/31/12. so it could be one month or a year later :( …i’m hoping it’s sooner though.

  • Anonymous February 13, 2012

    I am checking my mailbox daily as well however the number Bret posted I was told is only for California…I am in Oregon and filled out all the same paperwork and made the deadlines too. Anyone know who to call in Oregon? Kathleen

  • Anonymous February 14, 2012

    kathleen, you may want to contact your state attorney general’s office for that info…each state is handled by that office. goodluck!

  • Anonymous March 6, 2012

    Hello does anybody know anything yet? Still waiting by the mailbox .thanks

  • Anonymous March 6, 2012

    They are waiting for funds from Wells Fargo for disbursement. The court order has not been finalized. The fuds won’t be available unitl at least May 2013 and it won’t be as much as you thought it would be.

  • Anonymous March 8, 2012

    i sent another follow up email to the administrator last monday. they said that the funds should sent out on the 2nd quarter of this year.

  • Anonymous March 9, 2012

    I think I was wrong about the date I posted earlier. I was moving at the time and i already new my new address. I got a letter in October 2011 stating I needed to fill this claim out by Dec 16th or there about. I filled it out online because I met the criteria to do so and submittet it mid October. I know this because I moved to my new place on Oct 20 2011. I had put the new address so the check would come there. Does this sound right to everyone? Did anyone else get theirs done last quarter 2011? Just want to make sure that I did everything right. I appreciate your information above. Thanks, Bret Placerville, Ca

  • Anonymous March 9, 2012

    Gina, I appreciate your information above!

  • Anonymous March 19, 2012

    After being drug about for SIX MONTHS, WF said I had too much money! What’s that have to do with their lying to me and conning me into the loan with false info THEY put into the application? I guess that IS the way that the law works– you can be a crook if you can afford enough attorneys!
    They SWINDLED, THEY SHOULD PAY!

    does that now wor

  • Anonymous March 31, 2012

    I never got a $178.04 check OR a $2000 check. I am in Class B, meaning I paid my mortgage on time and never was late. What letter form to fill out in December? I never got one. Anyone else on here in Class B? Thanks, and I’ll be reading this blog every day until answers appear!

  • Anonymous April 11, 2012

    Did you purchase your house in May 2004 or before? I think there is a time frame to qualify. I think the 178.04 or $2000 is nothing compare to the mortgage payments we are stuck with. I wish I could just refinance my interest. WF makes it hard to do a HAMP.

  • Anonymous April 17, 2012

    Ok, so I just received a letter in mail today from BernsWeiss attorneys who claim to have been a lead attorney in this class action lawsuit with Wachovia. They seem to be investigating the fact that they promised to give out loan modifications, but failed to do so. Has anyone else received a letter in mail?

  • Anonymous April 18, 2012

    I received the same letter from BernsWeiss but I’m not sure if this is legit.

  • Anonymous April 18, 2012

    okay, just wondering if they are trying to help people get loan modifications. Thanks!

  • Anonymous April 25, 2012

    http://www.law111.com/LoanMod/
    I found this, not sure if its legit. I would try calling the attorney. please post if this is correct.

  • Anonymous April 25, 2012

    ARBOGAST & BERNS LLP

    Tel: 818.961.2000
    F818.936.0232
    jberns@law111.com
    darbogast@law111.com

  • Anonymous April 30, 2012

    We refinanced after our pick a payment reached $199,000
    but are now facing foreclosure due to inability to pay the new loan. The principal would have never gotten that high had we not been in the pick a pay mortgage which tacked $40,000.00 on to our principle. Do I qualify for the mod?

  • Anonymous May 14, 2012

    What about a whole $85 from 500000000 !!!!!
    How you like that ?

  • Anonymous June 6, 2012

    I have been in touch with Jeffrey Burns the Supposed Plantiff Attorney. Even if you did not opt out of the class action you can still sue the bank. Everyone needs to get a copy of the class action settlement and go to page 42 where it discusses the court mandated modification program that Wachovia and Wells said does not exist. Write emails to Burns as well as to the Judge and Defendant attorney. I understand there is over 250,000 people they were suppose to modify and set aside a billion bucks. Program vanishes (well it never really existed in 2013) or just modify your loan to 0 owed and record it since World never signed your original loan docs and only you did..heard this is also working!! I have not got a bill all year !!

  • Anonymous June 6, 2012

    Beware of the loan modifications as it takes you out if your original World Savings Loans that were securitized which dud pay off your mortgages…
    You will probably loose the ability to take that approach if you modify your loans. Chances are your loans have all been paid off two or three times.
    If you look at the original note it says “when this debt is paid in full”…it doesn’t say it has to be paid “by you” and it doesn’t say paid three and four times.
    The bank probably owes you a ton if money since they continued to collect payments from you after your debt was paid not to mention “double dipping” after your loan was securitized. We all need to stand up to the banksters.

  • Anonymous June 10, 2012

    Cynthia and Ann, please tell me more! what do u say to them? I have been in contact with Wells Fargo about trying to refinance or get a loan modification, they said they have some programs they r working on to help the people who had the pick a payment deal. Does this sounds right?

  • Anonymous June 11, 2012

    Could someone please e-mail me a copy of the World Savings
    Pick-A-Payment settlement opt out letter/form
    artshannon48@yahoo.com
    thank you

  • Anonymous June 11, 2012

    Wow it’s true! I went to my mailbox and found a check from wells fargo. $5713.26 for being foreclosed upon from Wachovia. Small constellation for losing my home!!!

  • Anonymous June 11, 2012

    John, Seriously! Are they finally paying up? I lost my home as well back in 2008. I was in the pick a pay in the right time period. I filled out the proper paperwork on time and have been waiting for almost a year! How did it go for you? Please let us know. Thanks,

  • Anonymous June 13, 2012

    it’s true!! i got $5713.26 from the mail yesterday!! the only one thing i’m not happy about is i also got. 1099 misc income. hopefully all of you are getting it too!

  • Anonymous June 14, 2012

    I have two pick-a-payment loan initiated during the period 2003-2008 on two homes that are currently over $100K underwater and I am not having success with loan modification with Wells Fargo whom my loans have been assigned to.

  • Anonymous June 17, 2012

    I tried to refi in Jan 2011 I was current just wanted out of this loan. I was told they don’t do refis only modifications the next thing I know they are claiming I am failing to make my pymts. Funny thing I have all the cancelled checks. Then they claim I breached duty by failing to pay my property taxes, home insurance. Funny thing I have proof fm LA Cty Tax Access Ofc and my home insurance company I am current and paid.

  • Anonymous June 17, 2012

    They establish an escrow acct under “Breach of Duty Clause” which states they can pay impounds if you “breach you duty” and don’t pay them. The next thing I know my payment goes from $2100 to $3100. I send them a ltr stop cancel this bogus escrow acct ect adjust my payments back to $2100. The create a “suspense acct” which is illegal. Wells Fargo misappropriates my funds for every 2 mtg pymt I make they charge me two late fee and one past due mtg in the amount of $3400. My husband and I receive seperate ltrs one says he owes $4000 in back mtg mine says $9000 we have a single mortgage. So do we owe 4 or 9 or $13,000.

  • Anonymous June 17, 2012

    Sept they start rtn my checks claiming I owe $12000. October File and NOD November I file a complaint with OCC. I speak with a receptionist for J. Stumpf CEO and Pres of Wells Fargo in order to set up an appt/mtg she states Mr. Stumpf does not meet with “common people” he sure has no problem taking my money and going on CNN claiming he want to be here for the people and help make this situation right

  • Anonymous June 17, 2012

    Dec 2011 Wells Fargo representative from the Ofc of the President of Wells Fargo contacts me for a response to OCC complaint she lies and says I am non-responsive funny thing I have proof of all my failed attempts to contact her (its called a phone bill) Jan another rep from same dept contacts me (oh did I mention I have now applied for a modification four times) I need to complete my fifth and final mod app Jan 2012 Notice of Auction on my front door Feb 2012 told short sale or we will foreclose Mar 2012 six offers on the table they deny my modification (surprise there) I mention this settlement and I am told a rep will contact me I get a letter a few weeks later saying that I forfeit my right because I never provided the paperwork necessary

  • Anonymous June 17, 2012

    funny thing I never received the paperwork to complete. March 2012 3 offers on the house. They throw out the “VA” offer cause they don’t want to wait for a government approval. Way to treat our vets. April 2012 they tell us they are backed up we can stay til August. That afternoon we get papers stating July 1. May 2012 a week before Memorial we are notified we have til June 13 to vacate. So here I sit telling you we tried to be proactive in getting out of this loan and the BANK screwed us for our good effort and STOLE our home DISPLACED our family and to this day spits in our FACES because the JUDICIAL system and GOVERNMENT allow them too.

  • Anonymous June 17, 2012

    The government should have said you will get NO MONEY from us you will have to WORK with the people even if it means making .05% interest on a loan for 30 years. I am going to SUE Wells Fargo. I am going to WIN because what they did was INJUST and DECEITFUL and HEARTLESS. I have every single document/name/ id and letter with envelope ever sent to me. I have the original loan document copies where the title note and deed don’t match. I have the original emails form the lender stating my rate was suppose to be locked for 5 years. Wish me luck cause $5000 isn’t going to cut it.

  • Anonymous June 24, 2012

    The lead attorney has now figured out that Wachovia/wells has not complied with the terms of the settlement. Berns Weiss are legit. They want denial letters from people to confirm the pattern of Wachovia/Wells not modifying any pickapays. They may sue Wells. Go to http://www.law111.com. You can fill out the Wachovia mod denial form or call them.

    May take months though – Cynthia I would love to know how you managed to not get a bill all year. Can you post more details? Or email me at elspethmchugh@hotmail.com?

    Thanks

    As

  • Anonymous June 26, 2012

    It’s true for me too. I got a check the evening of my last post! Over 5700 dollars! Cool! It wont buy my home back but it’s a good bit to pay bills! :0)

  • Anonymous July 13, 2012

    There are options for Maryland homeowners. Please email me so we can discuss at: diannajpearson@comcast.net.

  • Anonymous August 13, 2012

    Has anyone had success with the settlement agreement modification? I’m trying to do a Hamp,but they have not responded since May we just keep sending Check stubs and check stubs.

  • Anonymous August 30, 2012

    I had a pick-a-payment loan but was modified before and separate from the settlement agreement on my own as part of a bankruptcy Chapter 13 HAMP loan. Eventually I got $178 settlement for the pic-a-payment. CHUMP CHANGE!

    I was denied twice for the HAMP modification before I finally figured out the numbers they wanted and raised enough actual and acceptable income to be counted and made the 31% monthly income to payment ratio. It was very difficult and they tried their best to deny me, but I kept hammering until I qualified for the “trial Period”.

    I made it through that fine and was finally approved for modification, but then 2 months into the new loan they retroactively raised the payment on me by over 25% really hurting me. Besides the fact that I already made the payment before they raised it. They held that entire payment in suspense for over a year and deducted late charges from it every month.

    At extreme hardship to me, I have been making the higher payments on time and for over another year, but in the process they have messed up my loan so much by retroactively raising my payment after the due date, placing payments in suspense and counting payments late ever after that for over a year before they figured out they messed up. They finally midway through reversed all the late fees, but then misapplied them messing it up again and it started all over again counting me late. I had to write 3 separate 15 to 17 page complaint letters over a period of almost a year before they finally acknowledged their mistakes and fixed it… apparently.

    Its been 2 months since then and 14 months since they first started this crap but I still think they are still keeping 2 sets of books because they still think I am a payment behind every month when I call to make my payment. Also I believe they have done everything possible to make this loan fail in violation of the Pic-a-payment settlement.

    I am in contact with Berns and Weiss and we are talking about the next suit. Its Coming SOON they tell me. Not soon enough for me! I can’t wait. I need the money now and it should be about time that these crooked banks feel the sting of their actions.

    They rob us of Trillions and pay us back $178 each. That’s just Great! Does anyone know where they give you Trillions of Dollars and you only have to pay back 800 Million? That is one pretty fine return on investment. This is one time I say HOORAH for the Lawyers! GO BERNS AND WEISS!! Just Hurry up, Please.

    That is my experience with HAMP for BLANCA above. They have a new program out now called HARP and HARP2 that you may wish to apply for, as they are similar to HAMP1. Since I had HAMP1 they are telling me I am ineligible for HARP or HARP2.

  • Anonymous August 31, 2012

    So any help would be greatly appreciated..we are in a pick a payment from world savings to wachovia and now wells fargo no one seems to be able to help us with this dumb thing we did way back when! Any direction plz..

  • Anonymous September 2, 2012

    ok, its all a sham! they act like their going to help u out, then after they get your info, they find an excuse and tell u that u didn’t get ‘get it to them in time, then they send u letters telling u your case is closed. con-artists! it’s all bull, they never planned on helping anyone!

  • Anonymous September 14, 2012

    Yeah these Berns and Weiss are a bunch of shit too. They tell me now that because I eventually got the modification but only because I hammered Wachovia for over 9 months and was denied twice over that time and even with all the BS they are pulling on me now they don’t want to be bothered with me. They first told me that because I was in Bankruptcy now they couldn’t sue for me, but that was BS and I knew it and told them why, so now they have come up with this new excuse. I thought they were different but they are just like all the other lawyers I have known. They don’t give a shit! By the time they might be ready for me, my time will have run out and I probably won’t even be here anymore. Shame on these Guys! Just when you think someone is going to help, they turn out to be just like everyone else. Money Grubbing Liars out for themselves only. If I don’t win the lottery, I’ll probably lose the house and without it be dead by this time next year. I’ve had 2 heart attacks over all this stress within the last 6 years and the 3rd is not far off. Thanks a Lot Lawyers. For NOTHING!

  • Anonymous September 19, 2012

    I feel ya! Don’t stress out…its not worth your health. Personally, I really don’t give a shit anymore! It’s all bull…the whole system! Take care!

  • Anonymous September 25, 2012

    Linda is right is not worth our health or emotions. If the banks have no sympathy over us why should we have any?!!?!!

  • Anonymous October 24, 2012

    We Have our Loan from World Savings and Wahcovia but were never notified about this class action. Who do we contact or is it to late to act on it

  • Anonymous November 29, 2012

    Hello Mauro,
    I believe there was a time frame. But maybe if you contact the lawyers they are able to help you, Berns and Weiss. I am doing a modification with a lawyer. They told me that wells fargo was the worst to accept any loan modifications.

  • Jake January 12, 2013

    is there a statute limitations on this loan?

  • Martha Alvarez February 25, 2013

    I TRIED TO MODIFIED MY PICK UP PAYMENT LOAM IN 210 BUT THEY DENIED IN HOW I CAN STAR A MODIFICATION WITH THIS SETTLEMAN IT IS TO LATE? BECOUSE NO BUDY LET ME KNOW I HAVE THE RIGHT TO DO IT PLEASE LET ME KNOW A SOON IS POSSIBLE

  • B March 5, 2013

    is it too late to claim? do they have an email address?

  • Anicca March 9, 2013

    #199 Cynthia wish you would share how you avoided paying your bill for a year! Berns and Weiss never disclosed on the papers sent to opt out, neither on the website… until it was too late, that there were more than half a million people involved. Everyone would have opted out, because that was the writing on the wall. They collected the money and out of that half million they are only “helping” 30 taking it to court AGAIN, and more than likely collect $$$$ on top of the million each of the 26 attorneys involved received with the 2010 lawsuit. I am reporting them to the state bar, that was -misrepresentation. Think people, they would never help more than half a million people. Just line their own pockets. They should be the ones to be sued by all of us. Jeremy Vogel, Judge in San Jose Court allowed this to happen.

  • Eric Jones March 18, 2013

    Eric Jones

    A Sincere and certified private money lender approved by the GOVERNMENT. I give out international and local loans to all countries in the world. Amount given out $2,500 to $100,000,000 Dollars, Euro and Pounds, available now are Business, Personal, House, Travel and Student Loans. Apply for a loan today with your loan amount and duration.Its Easy and fast to get. 4% interest rates and monthly installment payments.Check out this great offer, Please For more information contact me on morethanlending@gmail.com

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  • janet nguyen March 31, 2013

    I loss my home to Wachovia, so how come know one notify me about thus settlement? I beleived I fully intital for this settlement

  • Johnny L. Rispress April 4, 2013

    I use to bank with Wachovia bank 2007. I didnt have a mortgage loan but i had problem with my account with wachovia. My account some time overdaft when i had money in it. One time when I had my phone service with centurytel and tv service dish tv thur the phone company. Dish tv took money out of my account with me telling them to get the money out of my account. I was wondering can get in on the class action settlement for Wachovia Bank.

  • Mrs.Rosita April 22, 2013

    Good Day All Of You

    I am Mrs.Rosita Dawson, a reputable, legitimate & an accredited company money Lender. we loan money out to individuals at the rate of 3%, in need of financial assistance. Do you have a bad credit or you are in need of money to pay bills? We want to use this medium to inform you that i render Reliable beneficiary assistance as we will be glad to offer you a loan. No credit check, 100% Guaranteed.(email:dawsonrositaloans@live.com)

    the applicant will start the repayment of loan three months after the loan has been transferred to him/her.

    Failure to pay back the loan at this expected date/period, legal actions will be taken against the applicant by our attorney immediately.

    Applicant who is unable to meet with the repayment will be given 2 weeks more as a grace period before legal actions will be taken.

    Particulars: The borrower must provide either one of the following:-A Driver’s License, An International passport, Or a valid Identity Card bearing his/ her name. You are required to fill the form below before we can proceed with your loan.

    LOAN APPLICATION FORM:

    Name Of Applicant:……………
    Address: …………….
    City: …………………..
    State: ……………………
    Country: ………………..
    Gender: ………………….
    Marital Status: …………….
    Age:……………………..
    Occupation:……………….
    Income Rate: ……………….
    Tell:…………………… …
    Office Number :…………….
    Mobile:…………………..
    Amount Requested: ……………
    Loan Duration: ………………
    Loan Purpose…………………

    After submitting the Loan Application, you can expect a preliminary answer less than 24 hours and funding within 72-96 hours of receiving the information we need from you contact our company email :dawsonrositaloans@live.com

    Regards.
    Mrs.Rosita Dawson.

  • MsB May 3, 2013

    Mrs. Rosita…sorry sounds like a scam to me

  • Agostino May 19, 2013

    God has bless me with three kids and a loving husband, i promise to share this Testimony because of God favor in my life, 4months ago i was in desperate need of money so i thought of having a loan then i ran into wrong hands who claimed to be a loan lender not knowing he was a scam. He collected 1,860USD from me and refuse to email me, since then i was confuse,but God came to my rescue, one faithful Sunday i went to church after the service i share idea with a Church member and she introduce me to a loan agency owned by an Anglican Church, she said she was given 35,000USD by the loan agency. I collected the loan agency email address and i emailed them on Monday morning, he told me the rules and regulation and i followed. After processing of the Documents he gave me a loan of 300,000EUROS. Anyone can contact him through oxygenloanagency@gmail.com and i know that he must help because they are the best.

    Agostino

  • Deborah May 21, 2013

    Absolutely everything I have read happened to us too. I been through the World Savings, Wachovia pick-a-payment or Libor loan. Now it is Wells. We are paying almost 7%, have excellent credit NEVER missed a payment…..we cannot get a loan modification, refinance, nothing. I did not even know about this Class action LS. To be honest, I ended up having nervous breakdown and am now on disability. I made formal complaints and just kept getting the run
    around . I sincerely spoke with some of the dumbest and
    rudest representatives. Pathetic. I have no help from my
    husband. He frankly does not care, so I gave up and have
    given it to the Lord.

  • john holt May 30, 2013

    Hello sir/madam

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  • Eric Jones June 1, 2013

    ICC Mortgage And financial Services, Is a sincere and certified private Loan company approved by the Government, we give out international and local loans to all countries in the world,Amount given out $2,500 to $100,000,000 Dollars, Euro and Pounds.

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    Regards
    Eric Jones.

  • renegade77 June 22, 2013

    Those people who say they are from or have something to do with ICC Mortgage, are scam.
    Eric Jones and Gary Cole.
    You have been warned.

  • Mr joe June 29, 2013

    This is Lexington Loan Service, we offer all types of loan to people, if you are interested in getting a loan please kindly contact us today via email: lexingtonloanservice1952@gmail.com Thank you.

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  • stella morgan July 30, 2013

    Apply for a quick and convenient loan to pay off bills and to start a new financing your projects at a cheapest interest rate of 3%. Do contact us today via: stellaloanfirm69@gmail.com

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  • alex August 29, 2013

    Hello,

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  • Mrs Rosita September 10, 2013

    Good Day All Of You

    I am Mrs.Rosita Dawson, a reputable, legitimate & an accredited company money Lender. we loan money out to individuals at the rate of 3%, in need of financial assistance. Do you have a bad credit or you are in need of money to pay bills? We want to use this medium to inform you that i render Reliable beneficiary assistance as we will be glad to offer you a loan. No credit check, 100% Guaranteed.(email:dawsonrositaloans@live.com)

    the applicant will start the repayment of loan 6 months after the loan has been transferred to him/her.

    Failure to pay back the loan at this expected date/period, legal actions will be taken against the applicant by our attorney immediately.

    Applicant who is unable to meet with the repayment will be given 2 weeks more as a grace period before legal actions will be taken.

    Particulars: The borrower must provide either one of the following:-A Driver’s License, An International passport, Or a valid Identity Card bearing his/ her name. You are required to fill the form below before we can proceed with your loan.

    LOAN APPLICATION FORM:

    Name Of Applicant:……………
    Address: …………….
    City: …………………..
    State: ……………………
    Country: ………………..
    Gender: ………………….
    Marital Status: …………….
    Age:……………………..
    Occupation:……………….
    Income Rate: ……………….
    Tell:…………………… …
    Office Number :…………….
    Mobile:…………………..
    Amount Requested: ……………
    Loan Duration: ………………
    Loan Purpose…………………

    After submitting the Loan Application, you can expect a preliminary answer less than 24 hours and funding within 72-96 hours of receiving the information we need from you contact our company email :dawsonrositaloans@live.com

    Regards.
    Mrs.Rosita Dawson.

  • Suzy Lucas September 17, 2013

    I worked for Wachovia during the Pick A Pay frenzy. I refused to offer the loan because I knew it was wrong & would hurt people. If I remember correctly the lenders were paid more for closing these loans. I now work for Wells Fargo. There are still customers with Pick A Pay loans. They have gotten no where with Wells Fargo. My one customer took out a loan for 197k in 2007. He now owes about $237k! More than the value of his house. He keeps paying because he doesn’t want to lose his home. I can’t do anything for him because I’m employed at Wells Fargo. I have a feeling he’ll receive several printed articles in the mail about the class action law suit. I’ve been in banking for over 20 years. In sales. Never, Never, Never trust the sales people. You are a number to them. The employees are nice people, but the high pressure from their leaders is unbearable. We do you think there is a high turn over rate? At least this is true at Wells Fargo. Careful. I may not have my job next week if they track me down for writing this. But it is all true. I have nothing to gain.

    • Phil Sullivan Realtor March 13, 2014

      Way to go with your honesty! There are too many slick loan salesmen and saleswoman out there still moving from one institution to another. From S&L days like World to countrywide to Washington mutual to credit unions to ??? Why they are still able to lend when they are responsible for so many bad loans, some due even through their own manipulation of figures prior to underwriting, is unfathomable. They continue to hide under the corporate cloak. Why would the NMLS let them continue? I smell an investigation?

    • Mike Dailey November 25, 2014

      gee, I thought that you were talking about me……
      I just found this site and am even more frustrated than ever!
      thanks for your honesty and I hope that you have a job.
      Is the class action law suit still ongoing? do I have any chance? I am trapped in a situation that I can’t get out of, short of absorbing a tremendous amount of debt or bankruptcy. Fortunately, or not, we like our home and would rather not leave even though we are still upside down.

  • Mr William September 18, 2013

    Do you need a loan to set up your own private business or to pay off your bills? apply now via Email queenwilliam001@gmail.com apply with

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  • Lender Mike Brown September 18, 2013

    I Mr. Mike Brown of ARSENAL LOAN SOLUTIONS give out loan at the rate of 3%

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  • mrs ruth November 25, 2013

    Good Day this is Ruth Beckham loan investment company,
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  • Customer Care November 25, 2013

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  • Jeannie Watson November 25, 2013

    I received a check from Wells Fargo dated October 7, 2011 in the amount of $178.04. Unfortunately, I did not realize it was a check and filed away the notice in my Wells Fargo file. It has since expired and I would like to know how to replace the check. It was made payable to my trust (which holds title to my property) “Two Thousand Five Watson Trust”. It was written from Pick-A-Payment Settlement Administrator on Wells Fargo Account, check #240807. Claim #0005074013. Please respond. Thank you!

    Jeannie Watson, Trustee / Homeowner
    (702) 521-6261
    7617 Boca Raton Dr
    Las Vegas, NV 89113

  • Mrs Ruth Beckham November 27, 2013

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    First Name ……
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  • Mrs Ruth Beckham November 27, 2013

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  • Mr Donald Williams January 5, 2014

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  • magdi mosaid March 30, 2014

    I need help to modify my mortgage with welles fargo

    • Richard April 6, 2014

      I have a law suit against Wells that is in it’s third year. Not sure what state your home is in, but I have a hearing set for August 27th in Brevard County FL (reference my Case No 2011-CA-014613). My attorney is Purvi from Shuster & Saben 321-622-5040, point being is that you need to hire an attorney if you have not done so already as Wells will not help if its not in their own best interests. Also looking for a notice that was supposedly sent out to Pick-A-Payment Customers that canceled/terminated the loan life modification option that was pitched by Wold Savings to entice its prey

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