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Wells Fargo Bank's unfair treatment to mortgage loan applicant
Posted by Jetcat on 01/07/2011
MINNEAPOLIS, MINNESOTA -- We believe Wells Fargo Bank (WFB) deliberately and unfairly denied our applications twice to refinance when mortgage rates dropped in order to keep us at our present 6% loan with them. We initially applied in August 2010 and were denied approximately 30 days later with the reason that our debt to income ratio was too high at 55.44%. Subsequently, two WFB loan specialists advised us to reapply after we paid down the equity line we had used for our small business. We paid it down to zero on 9/20/10 (and have not used it since) and started the second application on 9/27/10. Moreover, the loan specialist who took the first application and advised us to reapply sent us an email that he would process a change to an even better rate of 4.5%. We later learned this was never done.
Additionally Wells Fargo Home Mortgage (WFHM) disallowed our monthly rental income of $1,200, stating it's because a renter rents a room in our primary residence. The facts are that this is for a completely separate "granny flat" apartment that has its own entrance and parking. This has been declared as income since our tenants moved in June 2006 and has been declared as rental income on our 1040's every year since 2006, and the rental checks are deposited monthly into our WFB personal checking account.
I sent an email on 1/10/11 to an Executive Mortgage Specialist, Retail - Office of the President for them to answer why this rental income is not verifiable, along with other unanswered questions regarding our two loan application denials.
Then on 12/10/10 (more than 60 days after our second application was started) we were told that we were denied again for the same reason as the first, namely: our debt to income ratio was too high at 82.27%. I asked how that could be since we had paid the equity line down to zero, incurred no other new debt, and do not carry credit card debt. I was told that the amount that Underwriting used for business income was less than half of what figured on the first application.
Additionally, they excluded our monthly rental income of $1,200 stating they cannot use income from "live in boarders" when in fact this income is from a completely separate "granny flat" apartment, the rental income has been declared on every income tax return since 2006, and the rental checks are deposited monthly in our personal WFB checking account. I was told by a WFB representative that "determination of rental income depends on the circumstances."
Therefore, based on these facts and other inconsistencies in the processing of both loan applications that WFB will not explain, we feel that WFB deliberately and unfairly denied our ability to secure a loan when rates were historically low. We further feel certain that based on our excellent credit rating, previously satisfactory banking history with them since 1978, and our low loan to value ratio of our home, that if our mortgage had been with another lender, WFB would have approved us for the loan.
So while we have begun the process again with a different lender, the rates are now higher. Since we are getting close to retirement, we feel that this unfair treatment by WFB denied us the window of opportunity to have a much lower mortgage payment during our retirement years when our income will not only be fixed but reduced.
It is regrettable that our relationship with WFB will be ending on such a sour note but our confidence in them has been irreparably breached. Evidently we were wrong to believe that WFB really cared about its loyal customers since our experience showed us what they really care about is the money. This is written in the hopes that it will spare others from becoming victims of what we perceive to be unfair lending practices on the part of Wells Fargo Bank.
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Posted by leet60 on 2011-01-07:
I am curious in regard to your equity line. You paid it down to a balance of zero. Did you, subsequently, request the line of credit be closed? If not, having a balance of zero is not favorable if the credit is still available. For example if your equity line was $10,000.00 with a current balance of zero, this is still looked at by lenders as $10,000.00 in debt, as there is nothing to keep you from using the entire equity line the day after a new loan was approved.
Posted by dan gordon on 2011-01-08:
I'm in the midst of a Wells Fargo easy 123 refi right now. I'm going thru similar issues. This was supposed to be a 'non verification' easy 3 step process but I'm up to producing tax returns etc etc and the list for more documentation keeps coming. Maybe I see a trend?
Posted by Anonymous on 2011-01-08:
You can always refinance with someone else.
Posted by jetcat on 2011-01-12:
We have started the loan application with another lender but unfortunately the rates are now higher.
Also while we paid the equity line to zero, WFHM has not made an issue of that being available to us as the potential availability was not a factor in the debt to income ratio.
Posted by leet60 on 2011-01-12:
@jetcan. Thanks for clarifying, I was simply curious. As I do not carry a HELOC I was unaware that an unused one did not affect your credit score. I appreciate the information.
Posted by Anonymous on 2011-01-13:
My first mortgage was 14% back in the eighties, and that was a good rate at the time. The rates may be higher, but they ate not high.
Posted by maryann on 2013-01-17:
Wells Fargo is very incompetent! I started the refi process in September and was shuffled around through three different loan officers. The first was back in training so I was sent to a second who was let go then to a third who informed me that the loan was cancelled becouse of a time issue. I sent Wells Fargo every piece of info. they asked for numerous time, they kept loosing the paper work. I paid 385 dollars for an appraisal and was treated like a scumb bag. My credit score is 788 and my debt to income ratio is 30. There is no resond why I should have been treat poorly or why this refi should not have gone through and now I am out 385 dollars. Thanks Wells Fargo you just robbed a hard working single mom who works 2 jobe to make sure my bills are all paid on time.
Posted by Gene Quinn on 2013-09-11:
Wells Fargo Home Mortgage?
Don't bother with these obfuscators. They are not lenders, they are wankers and deceivers. Procrastinators and charlatans. Liars and cheaters.
After agreeing to a package deal in which they would refi my house (with literally millions in free-floating equity) and simultaneously also finance a loan on a condo in Miami, they continued to delay and delay the Miami deal until I was forced to close the refi without the Miami deal closing.
They delayed the deal beyond the contract deadline, reneging three times on a written agreement from themselves, finding a way that the condo could not be "approved," then trying every stall tactic in the book to request obscure documentation from me and my wife that wouldn't even exist so they could - finally - "go to docs" too late...the condo was sold out from under me for cash....while Wells wanked.
These people don't really want to lend. The underwriters are merely looking for an excuse not to. There should be a class-action suit against Wells Fargo for this reprehensible economy-stalling behavior. Time is not of the essence here, so don't expect an answer soon...or ever.
Good luck to them. They cost me a bundle in lost time, out-of-pocket expenses, and emotional pain.
I hope they all rot in Hell. Every one of them.
PS, EVERYONE from my RE Broker, Loan Broker, RE Attorney, plus everyone else in-between says "stay away."
And you should, too. It's just not worth it. And Wells Fargo doesn't really care, anyway.
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Customer Service
Posted by Deppcg on 10/05/2007
DES MOINES, IOWA -- I refinanced a home loan with Wells Fargo obtaining a loan with a different company. Loan with W/F was paid off 8/31/07. I am owed $1400.00 escrow refund. per W/F website, procedure is to issue the refund check 15 days after the loan payoff. I waited 21 days. Called W/F customer servie and was told they have until 28th of Sept. for my receipt of the check, stating the check was mailed from Des Moines, IA on Sept. 17th. I live in a suburb of Des Moines. Considered same metro area. I did not receive the check on the 28th so I called back that day after my mail had been delivered. I spoke to "Teon" who told me he would place a stop pay on the first check, so if I happen to receive the first check, I should discard it. He said a new check would be "OVERNIGHTED" to me and received no later than the following Tuesday.
On Saturday, I received the first check, but no good because a stop pay was placed, per Teon. Took 12 days to be delivered 8 miles from Wells Fargo. However, I was assured I would receive a new check Tuesday. Did not receive check on Tuesday, called back. Wed, Oct. 3rd. Rep. said she could not tell what was happening with the refund, no notations. She asked who I had spoken to on Friday. I could not find the name immediately. She said she could not determine what was being done without the name.
I said I would find the name and call back. Found the name few moments later and called back, of course different person this time. I asked to speak with Teon. Was told not allowed to transfer call to Teon, because Teon had not placed a notation on the account giving permission to transfer call to him. This call was now being handled by "Stacy". Stacy said she could not tell what was happening with the refund based on computer records, she could not even tell if a stop pay had been placed on the first check, which I now had in hand, but she said I could not deposit, because it may be returned. I asked if she could go talk to Teon, and she incredibly said she was not allowed to do that. I asked to speak to Teon's supervisor and she put me on hold for 10 minutes. Upon Stacy's return, she said it would take 24 hours to determine if a stop pay was placed on the check and another 24 hours to issue a second check.
She said she would need to send an Email, per procedure, to Teon and Teon's supervisor, whose name is Aretha. Stacy assured me absolutely 100% that Ms. Andrews would call me the following day to update me on what the outcome was of the inquiry. Stacy gave me Ms. Andrews direct number and I asked Stacy to place a notation on my account that allows me to call her back if I need to. She assured me she would do that and guaranteed that Ms. Andrews would call me. That phone call did not come. I called back the day after I was to receive the promised call. I called the direct number I was given for Ms. Andrews and got her voice mail. I left a message.
I then called the customer service number and asked for Stacy, rep. said he was not allowed to transfer calls to other Rep's. He said Stacy had not placed the notation on my account as she had promised. I am now starting over and explaining the whole thing over again to brand new people. As of now, someone named Chad has assured me a new check is being issued today, Oct. 5th, and I will receive the check no later than Monday.
I maintained a mortgage loan with Wells Fargo for 11 years and they made a nice chunk of change from my interest payments. To put it simply, I do not deserve to be treated this way.
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Posted by Anonymous on 2007-10-05:
Sounds like there was a lot of confusion at the bank with the stop payment and the fact you had not received the check to begin with. I would have waited at least 30 days before calling the bank in the beginning. I hope you get that check soon.
Good luck.
Posted by Deppcg on 2007-10-05:
you completely missed the point.
Posted by Anonymous on 2007-10-05:
The point being the 11 year relationship ?
I was a customer for 14 years and closed all of my accounts with them because of the same attitude. I thought i deserved better, but, in todays world the banks are pretty much all the same - no customer service and bad attitudes.
Posted by Donna2007 on 2007-10-06:
Maybe you could take that check and just go to the office with it if it only is 8 miles and they could help you. I have dealt with Wells Fargo and it can be difficult being switched around.Go there if you can and get your money in person.
Posted by Deppcg on 2007-10-06:
Let me see if I can explain my complaint a little better.....It is not so much not getting my refund in a timely manner, it was the silliness and frustration in dealing with the rep's...IE: "not allowed to talk to previous rep's that had already been handling my problem." "Being told things that were not true." can only Email other rep., can't walk a few feet and talk to him." "Nothing notated on my account about previous calls. The complaint is "ABOUT" profoundly idiotic, chaotic customer service by rep's who couldn't care less about my problem. Are those really Wells Fargo policies?, or just lazy people. I will eventually get my money, in the meantime, Me and my family will not starve or lose our house. I can go to court or file compplaint with state regulators if necessary. I am just illustrating the extremely sad state of affairs these large corporations are in when it comes to dealing with their customers. Unfortunately, the problem is rampant all over. this was so aggregious, I just wanted to tell others. I don't need any more advice on how to get my money. It's just very sad that I will have to do anything at all beyond getting the money in a timely manner as required by law.
Posted by majavita on 2008-04-09:
Wells Fargo is my last choice for future mortgages. I currently have two mortgages with them, one is a rental property. I've had the rental loan for 7 years now. I've never had to pay a late fee. The tenants have until the 5th to pay, so I send out the payment to WF on the 8th. I have until the 15th according to the loan docs. Since last year they call my home at all hours, weekdays and weekends to harrass me until they get the payment. They wake up my toddler and interrupt our family dinners. Whenever I talk to a rep, they are rude and condescending. I am outraged!
Posted by Cantsay on 2008-09-18:
From someone who knows, yes, those are wells fargo policies. The rep who gave you Ms. Andrews phone number was actually breaking the rules, that is a big no-no. We have customer service centers across five states that operate 15 hours a day or more. You aren't always gonna be able to get who you are looking for. Plus, whoever you talked to before, is doing the same thing this rep is doing, talking to a homeowner, they can't take your call. Call backs are not allowed by regular reps. Supervisors rarely take calls because they are busy supporting many team members with questions. If you call in you won't be speaking to the same person twice. It is a fact of life in any company.
Posted by Deppcg on 2009-01-29:
Dear cantsay,
It is not that way with every company!!! Lying to me I'm sure is not "A Policy." Anyway, I am much happier without Wells Fargo in my life. They will never be in my life again.
Posted by Dan on 2012-02-20:
Wells Fargo is the worst Home Mortgage Company I have ever seen or ever dealt with, two years ago my wife and I saw some money problems coming we let Wells Fargo know we needed help, have equity in our house, and they told us sorry you don't need help. Now that we are behind on our mortgage and are asking for a mortgage modification. Again we are getting the sorry we can't help you. We have been working on a mortgage modification for over two years, every time we send in the paperwork they ask for they just ask for more or for something else, its a big scam. And because of the delays we are now behind on payments and are looking at thousands of dollars in late fees and penalties. No help. They don't care. I will not ever, ever deal with Wells Fargo again.
Posted by shawn on 2012-10-10:
This is crazy that this same situation is happening 5 years later to me as well. My loan was paid on the 8th of October 2012 and was told that my check would be cut and sent out on the 20th of October. So i waited the 7 business days after the 20th and checked my mail and sure enough no check received so I gave Wells Fargo a call and the proceeded to tell me the same story. They told me the check was sent on the 20th and I should just give it a few more days. so a few more days passed and still no check has arrived so I decide to give them a call again and verify all of my information. All of my information was correct and they said the check has been sent and he assured me of it. I then ask him what piece of mail has spent 14 business days going across the united states? He said it went by snail mail, his joke was not humerus! I said look someone has to be in charge of placing the mail in some sort of outgoing box and all I want is for him to check and make sure that its not just sitting there. He then puts me on a long pause and a supervisor comes on the phone. She tells me she can see the check in the system and that it has been mailed out. I asked then why haven't I received the check. she then says maybe we had to double check it because of the amount. I then asked are you sure that's what happened because all I am getting is the run around. I then said why don't you just wire the money to me because this waiting game is ridiculous. She then told me that she is unable to do that. I said really! your a BANK! So the long and short of it is there just sitting on my check and someone someday will send it to me I guess. I still haven't received it and I don't want to place a stop on the check because of what happened to the original poster. So don't rely on getting your money back from them fast and if you call them there as worthless as a virus! These companies expect money right away if you owe them, but if they owe you they could care less. I hope someone someday regulates these comapanies better and forces them to treat customers with the respect we deserve. without us they would fail.
Posted by Another Shawn on 2013-04-03:
I stumbled across your post while trying to figure how long I can expect for my escrow refund to come from WF. Based on your experience, I guess it might take a while. Not surprising, considering the less than stellar customer service I have experienced with WF. I gave them several opportunities to help me refinance, but they refused to allow me to refi under the HARP program due to their own policies. I was able to find a HARP refi with another lender. I just pray my new mortgage does not get sold to WF, but my major complaint was the ridiculous escrow calculations WF performed each year which recently change my mortgage payment over 10% what it was previously. This was mostly due to their poor calculation the previous year, and they want me to pay the difference plus a required surplus. Anyways, good riddance to WF.
Posted by fred stonewell on 2013-04-24:
Even after you refi to get rid of WF they will often buy your loan back and start servicing it again. They are like the plague, not just with mortgages but also in their branches. the bigger they are the harder they fall. they will fall, it is just matter of time, doing so under their own dead weight of unethical policies. b of a is just as bad.
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Wells Fargo One Lie After Another
Posted by Cully Waggoner on 08/27/2011
It's no secret that I hate Wells Fargo. I hate them with a passion because they constantly lie to me and many other mortgage holders. Wells Fargo took 25 billion in TARP funds and Wells Fargo's CEO John Stumpf was the highest paid of any financial industry executive in 2009. He received $21.3 million in 2009 total compensation, $6.5 million more than he received in 2007. Yet they have done not one damn thing to help their customers. Read more here:
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Wells Fargo Are Liars And Thieves
Posted by Ja8669 on 11/21/2010
When we purchase our home in 2005 we put $120,000 down and was talked into getting the 5 year adjustable rate mortgage. What a scam.
I first started having problems three years later and they informed me to call HOPE and later to contact the Home Affordable Modification Program. After months of getting nowhere and multiple trials payments I am told that the "Investor" that now owns my loan does not do modifications through the Home Affordable Modification Program. I was also told my sale date set for Nov. 24, 2010 would be postponed until Feb. 22, 2011 while I went through another set of 3 month trial payments. I found out today the sale is the day before Thanksgiving.
The mortgage on the house next door was owned by Wells Fargo. The mortgage amount was $335,000 and Wells sold the house for $256,000 to an investor. How does that make sense unless the government is paying Wells the $80,000 LOSS. This all doesn't make sense.
On my home I owe $460,000 and it is now worth $340,000. So instead of making arrangements for me to pay off the loan with a low interest rate Wells would rather sell the house to investors and get reimbursed the $120,000 LOSS from the government which means the tax payers. I am not looking for principle reduction all I am asking for is a reduction in the interest rate and piggy back a portion of what I owe so when the economy turns around everyone will get paid. Wells made money when they sold my loan to investors and now Wells will get paid again from the government that guaranteed the loan. Why are the investors protected and not the home owner and tax payer?
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Posted by Venice09 on 2010-11-21:
To say you were talked into an adjustable rate mortgage is not an excuse. It sounds like you bought a house you could not afford. Sorry, but I don't think you have the right to ask for anything. How much would the rate have to be lowered for you to be able to afford the payments? I have a feeling you're so in over your head that a reduction wouldn't make much of a difference. It's better to live within your means.
Posted by Anonymous on 2010-11-21:
I think the OP is leaving something out here. If she bought the house in 2005 and has a 5 year interest only loan, then how does Wells Fargo already have a sale date? This is the year that the interest-only payments ends and while OP didn't say what month the house was bought in, it seems to me that if the house is going to be auctioned off in a matter of days, she had to have fallen behind on her payments BEFORE the interest rate went up. And if that is the case, then I can absolutely see why Wells Fargo is refusing to help.
Posted by rockfishing on 2010-11-22:
One of the reasons the housing market went into the toilet was people overbuying, financing zero or low interest ARM's and hoping to make the cash up with the home prices going up. Needless to say, it hasn't worked out that way. The only way to fix this mess is to let the real estate market fix itself without this voodo fix, even though a lot of people with loose their houses. Many of them shouldn't of been homeowners to begin with.
Posted by Venice09 on 2010-11-22:
Rock, I mostly agree, but I think people could have been homeowners if they just stayed within their means. The problem started when everyone wanting bigger, better houses and looked for ways to get them. And lenders were more than happy to hand out money like candy. Back when mortgage qualifications were strict, people didn't get into messes like this. I remember when ARMs first came into existence. It seemed like a great idea at the time. But people just got greedy.
I agree that the real estate market will eventually fix itself. It's just going to take a long time.
Posted by jktshff1 on 2010-11-22:
V09, correct to a point. When the feely good libs decided that everyone "deserved" to own a home is where the problem started. Yes it's a right, but not available to those not able to afford it. Not everyone can afford a BMW, not everyone is college material, not everyone is willing to work to improve and upkeep a house, not everyone is willing to work to achieve their dreams and wants it handed to them on a platter. Not to belittle anyone, but ya gotta have minimum wage jobs for a starting point. Those that are willing to put forth 110% will get ahead, those that won't will want it given to them.
Until Now, the great thing about this country is that anyone willing to work hard, with dedication is able to advance. Unfortunately, there are too many out there that believe they are entitled to, rather than having to earn something. I own everything I got and paid for it myself thru hard work. Now, they want me to pay for someone elses' laziness.
Posted by Venice09 on 2010-11-22:
I was trying to leave politics out of this, otherwise I agree with you completely, jkt. My husband and I worked hard for what we have. Nothing was handed to us. We have tried to raise our kids the same way. It worked with one, not so much with the other. But we still try to set the right example, hoping someday it will sink in.
Posted by jktshff1 on 2010-11-22:
The gubment has their nose in everything you do. That is part of the problem. You CANNOT legislate personal responsibility or morals, only contribute to the demise of them.
As far as "the other" t will work out, took me whippin' my sons rear and letting him know I was sorry he made me do it, but he straightened out....very well
Posted by Venice09 on 2010-11-22:
I haven't given up hope yet. You inspire me. :)
Posted by sine40 on 2011-06-13:
I was negotiating with WF Financial for close to 2 years, I paid the negotiated temporary payments well before due, I have pages of documented log entries of contacts with WF representatives for requests for new financials and updates and kept checking back and was told your loan is being reviewed and later, Loss Mitigation informed us that the Foreclosure department sold our home at an auction, I found out about the sale after the auction, I was not informed at any time they were auctioning the house I was living in and at no time was given any information they were auctioning the house or even any notice of their intent, as a matter fact I thought the negotiations were successful and the loan modification was done, since they had approved my second mortgage for modification! This should not be happening since I was negotiating in good faith with WF and having paid all payments they had asked for and every piece of information and financial documents WF requested for was sent to them, they kept asking for duplicates and paychecks and paystubs over and over again, I filled out all requested financial documents. But apparently this was on a tactic and their aim was never to honor their agreements.
The executive office representative or "specialist" told us they will check but never informed me of their findings, kept telling me they will get back to us next business day. Wellsfargo stole my home and sold it to another company who will flip it and make money on it; I lost my house that I owned for almost 9 years and worked very hard to keep it up and remodeled it with care. I know I am not the only one who has lost a home because of WF they seem to be doing this to others, I am hoping to spread the word so others don't fall for WF scams, so we'll see how that goes, but we are afraid for the next family that is told "don't worry your application is bring reviews" and ends up like me.
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Hells Fargo modification Mess
Posted by Sc5790 on 11/08/2010
I just read a lengthy review on this site about a nightmare home modification. I can tell you that the exact same thing happened to me. WORD FOR WORD. i thought I was reading my own thoughts. I think this is a major scam. and a waste of time. it was going on for about 2 years. you need a forensic account to get this through. And yet they will still find a way to screw you over. what middle American that is in trouble with their mortgages, struggling with jobs, have financial statements & profit and loss statements. this is a farce and they should be investigated. But of course no one will hear our voices. Stay away from wells Fargo. change credit cards, Loans, banks, don't do business with them. they will find a way to screw you.
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Posted by Weedwhacked on 2010-11-08:
All banks seem to do the same thing with their modification loans. The truth is that even if you are eligible for a modification the bank doesn't want to receive less money from you. I realize that the banks had a big role is the financial mess but they still were affected like their customers were. They are not going to accept less money when they have a signed contract from you for the original amount. That's corporate America these days.
Posted by sc5790 on 2010-11-08:
Yes your right, but if wells fargo assumes bad mortgages, they should try to at least fix the problem. i have 300000 equity. in the home and a 300000 mortgage. @ 6.25 10yr adj. it was supposed to be fixed. I just wanted my rate lowered to a reasonable rate. Their bloodsuckers......I know how corp. America works, that's why we are in this mess...
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Worst payment processing procedures I have ever experienced
Posted by Lrwillia1 on 07/25/2013
PALATINE, ILLINOIS -- Wells Fargo purchased my mortgage years ago, and I have never made a late or incorrect payment in the past. They have messed up my escrow account in the past (that is a separate issue....): But this year, I made a simple check-writing error that has turned into a bureaucratic joke.
In June 2013, I mailed in my July mortgage payment (which was not actually due until 7/15). I mistakenly left off the words "two hundred" in the dollar portion of the check (although the number portion was written correctly); so it looked as if the written dollar payment was $200 too low. Even though I had submitted an inconsistent instrument, Wells Fargo cashed this check on July 2 for the written dollar amount, which was $200 too low; but they did not notify me in any way of the problem with my check.
Three weeks later, on July 24, I got a "robo call," requesting me to call in to Wells Fargo customer service. I called in, and was informed of the error at that time (really?? It took them three weeks?). The representative told me that I could make the $200 payment-due over the phone or on the web for a $20 fee (what a complete rip-off), or I could mail it in as long as it was received by July 31. I was further informed that if they did not receive the additional funds by July 31, they would contact the credit bureaus to notify them of my "delinquency."
I told the representative that I was mailing the $200 immediately (so it should be received by 7/31), and I that I fully expected that no fees or penalties would apply, as it had taken them almost a full month to notify me of the issue.
Later that same day, I received ANOTHER call to talk about this; and then on the next day, July 25, I actually got a call from a Wells Fargo collections agent! She told me that I would continue to be called by collections until the check was received! The situation is so ludicrous: They don't contact me for three weeks after cashing an inconsistent check, and now suddenly I am being hounded by their collections agency every day, when they could have settled it with a simple phone call on July 2?
I should mention that when I made this same type of error on a utility bill payment several years ago, I received a call immediately and it was straightened out over the phone. What kind of a bank doesn't have a clear-cut policy for notification when it comes to inconsistently executed instruments/checks?
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Posted by CU on 2013-07-25:
The long amount on a check is known as the 'Legal Amount'. The smaller numerical entry is the 'Courtesy Amount'. When in doubt, the legal amount rules. They really only have two options, to process the check with the legal amount, or to return it to you, which would almost certainly have caused you to be late on the entire payment.
They do have a clear cut policy for notification, they return the check to you to be written correctly. Personally, I'd rather be on the hook for only a partial payment.
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Wells Fargo withholds funds!
Posted by Balticblonde on 09/24/2011
During Hurricane Irene in August 2011, a tree fell across the roof of my house, causing over $30,000 worth of damage. Travelers Insurance was prompt in responding and issued an initial check made out to me and Wells Fargo. A contractor was ready to start work the next day to at least close the hole in the roof but needed a deposit. I have submitted extensive paperwork to Wells Fargo and had their inspector out twice. Three weeks later, they have only released a small portion of the funds. They are holding funds that cover the tree removal and my personal property which they have no right to withhold. I call almost daily and am told the checks are being drawn and will be overnighted but they LIE! The next call they inform me that nothing was done yet. When questioned about the need to prevent further damage to the house by acting promptly, they respond "let the insurance company worry about that."
I'm at wits end since I have not been able to occupy the house for three weeks and am living at my mother's small apartment with my 2 cats. HELP!
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Posted by macdave on 2011-09-24:
I would contact your claims adjuster at Travelers about this? At the very least I would inform him that further damage is occurring due to Wells Fargo inaction.
Posted by Wells fargo holds up repair checks on 2012-01-16:
After a hail storm my mother was promptly paid for a roof replacement in Kansas and issued the check for it by her insurance company. Wells fargo did not co-sign the check yet. They are deciding if they want an inspection or not since the roof replacement cost was slightly over $15K. And the mortgage is only for about 37% of the property's value. It is unbelievable. A homeowner takes good care of a property and maintains its value and the bank does this.
Posted by Rebecca Barrett on 2012-09-17:
I am going through the same thing here in Pittsburgh, Pa. Wells Fargo will not sign our insurance check. We had hail damage to our home on July 4, 2012. Travelers Insurance has been wonderful. We got the check for our roof right away. Now our siding is being replaced as well. Every time Travlers sends us a check, we have to wait weeks for the Wells to sign the check. Now the work is stopped because Wells had to inspect our property and submit a "report." That was two weeks ago...still no money. We paid the contractor over $4,000 out of our own pockets to get the rest of the roof on. Now we have to wait for Wells Fargo to give us the rest of OUR insurance money so our contractors can start working again. My husband has spent hours out of his work day on the phone with Wells Fargo and gets nothing but the run around. We are so frustrated and just want our house to be finished.
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Why does Wells Fargo tell you if you call the VA they cannot help with your Mortgage relive?
Posted by Weng on 06/18/2011
We are trying to get a loan modification on our home loan. With the economy the way it is I haven't been able to get the work I used to. (Wife is employed) The Representative I am dealing with is rude, inpatient, basically so hard to communicate on the phone with because of his attitude or just trying to call his direct line. I tried 15 times in one day, after he gave me a deadline of 2 working days for some additional paper work he wants and tells me if I contact the VA he will not be able to help us with our Mortgage assistance and he will proceed to put our loan into default. Does anyone now what to do about this type of behavior from these type of people or where we can go to get better help? We have been trying to get results for over 3 weeks. ( we are 2 months behind in our payments)
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Posted by Alain on 2011-06-20:
I don't believe he can put you into default just for contacting the Veterans Administration. Contact the VA at 800-827-1000 and tell them about your situation. See what they say about it.
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They Would Prefer Me To Foreclose
Posted by Danilp13 on 03/23/2011
My husband lost his job in August, and we had to relocate from Texas to Florida. Because of this, we were forced to do a short sale on our home. We had a buyer for 141 days. During this time, Wells Fargo required us to submit updated paperwork 5 times. The same paperwork over and over because it would become outdated before they would review. Our buyer finally gave up, and now we are facing foreclosure. We had the buyer and did everything required of us and jumped through every hoop they put in front of us but they screwed us.
Stay far far away from Wells Fargo. They are dishonest and shady. I believe that they don't care about helping their customers.
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Posted by Anonymous on 2011-03-23:
WF is under no obligation to accept a short sale. These loan modifications are not right either. It's time for the government to get out of the housing business and let the market work itself out. Housing prices are still overpriced. If people don't fulfill the terms of their mortgage then they should lose the property.
I'm still angry at the extra money I have to pay because people who should of never gotten mortgages driving up housing prices.
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How I feel after Wells Fargo foreclosed on my home during my attempt to modify my loan
Posted by Beth in Savannah on 02/23/2011
I am writing this letter to let you understand what I have been through.
To Wells Fargo – I know that you are a nameless, faceless entity and there is no one person who will read this or care or feel any sense of responsibility. But I need to write it. You have no idea the pain you have caused me and I know that this pain is multiplied by the thousands in others.
Last July 6th my home was sold at auction at the Chatham County courthouse. I did not know this was going to happen. I didn't know that it did happen until the next evening when I happened to call Wells Fargo to check in with the loss mitigation department and the lady I spoke to told me my home had been sold. When I got home later that evening there was a note on my front door from the investors who had bought my home. I did not expect this because when I spoke to a lady at Wells Fargo on June 23rd about not qualifying for the HAM program, I told her that I could make my payments and all we needed to do was to figure out a way to catch up the past due amount. She said "No problem"; she would reschedule the foreclosure sale by ten days (to July 16th) so that we could look at some other options for me to come current with my mortgage." I believed her. And, I know she did this because two other people at WF have since told me that they could see the e-mail from her requesting the sale be rescheduled. If I had known the sale was going to go forward, I could have borrowed money from my boss to pay the past due amount and prevent it. He has told me he would have loaned me the money.
I will be typing up the sequence of events that led to this in a separate document. I want to try to focus on my feelings in this letter.
I felt numb with shock, sick to my stomach and then an overwhelming sense of panic. Over the next two months as I worked (unsuccessfully) to try to repurchase my home, I was depressed, crying and sometimes considered suicide. Some days I spent all day in bed, sleeping to escape the nightmare situation. Some days I spent all day at work crying. Some days I had to leave work early because I couldn't stop crying. I still have panic attacks where I feel like I can't breathe.
This has left lasting trauma with me. Can you imagine waking up one day to find that the house you thought was yours, the home you had made, was no longer yours and you had to leave it? I cannot express the feeling of insecurity, loss and panic I still have.
That house was my home for 11 years, for over one fifth of my life. I spent hundreds of hours taking it from a boring, bland house to a warm, beautiful home. I painted, repaired and cleaned and I replaced fixtures all through the house. I spent thousands of dollars replacing the vinyl and carpet with tile and wood flooring. I spent hundreds of hours working in the yard, landscaping and planting trees, bushes and flowers everywhere. That house was a work of love, aside from my children, my greatest work of love. Now, I don't have a house to work on or a yard to work in. Sometimes I can't even watch Home Depot commercials because they make me feel so bad. I feel intense jealousy of people who own their homes. I can't watch home improvement shows on television. I feel such a sense of loss and hopelessness, of no future. I can't even begin to bring myself to change my address on anything – bank accounts, credit cards, etc. because it hurts so much to think I don't live at that address anymore.
I don't know how I will get through this spring. I love to plant, to garden. I love to plan what I'm going to plant where and to smell the dirt when I plant and to see the results of my labors. It is unbearable to think that I will miss seeing and smelling the jasmine on the back fence outside my bedroom. I would leave the bedroom door open at night in May and June to smell the jasmine and the gardenias while I fell asleep and when I woke up. I can't believe someone else will see my umbrella rose trellis with the pink miniature climbing roses. And, I miss all of the cut flowers I could have in the house – especially the roses. I worry about the plants and the trees. What if they didn't get enough water and since no one lived there to water them, they died. What if whoever buys the house doesn't know or care about plants and they let them die.
That house was the only home my youngest son had ever known; we moved there when he was one year old. The street we lived on was a small cul-de-sac where all the families knew each other. We had regular neighborhood parties and events like movie night, sports contests, Easter egg hunts. My sons grew up with several friends in that small neighborhood. Everyone watched out for each other's children and you fed who ever showed up at your table for lunch or dinner. The kids ran from house to house to play. You might not have known whose house your child was at but you knew he was at a neighbor's and you didn't worry about him. They all went to the school bus stop on the corner and rode the same bus to the same school. And, the adults all helped each other when help was needed. One elderly couple in the neighborhood had both had health problems at the same time and all the other neighbors took turns making them dinner each night for several weeks. There was a sense of belonging and security for all of us. I can never give this back to my children and I may never have it again either. I feel I have let my kids down so much. I can't even begin to express the guilt I feel about this.
My mom is my only family left. My dad and my brother died several years ago (my brother died in that house). She lives by herself but she is severely handicapped by arthritis and in a wheelchair all the time. We had made my house somewhat handicapped accessible by installing a wooden ramp in the garage, widening the door to one bathroom and installing a grab bar next to the toilet. I can't do these things in my rental house. She can't come to my house – not for Thanksgiving or for Christmas. She tries very hard to be independent but it is getting harder and harder for her. She will need to go into a nursing home at some point. I could have slightly remodeled my house to have her live there instead but now I don't have any option like that. And, I think about how I am letting her down, how ashamed I am to have disappointed my father because he always told me that my job after he died would be to take care of her.
I even feel that I have let my dog down. The home I lost had a fenced yard and we could just open the back door and she could run around the yard or rest in the sun and smell everything. Now, she can only go outside on a leash. She can't chase squirrels, our cats or birds. I feel so guilty that she has lost all of this.
To the investors that bought my house – I realize that you two are the faces of what happened to me; that Wells Fargo doesn't have a face I can blame or hate. I also understand that people rarely do things to others, that they do things for themselves. I know that you will rationalize what you did by saying that you are investors, this was nothing personal, this is just business for you (I remember you telling me that). And, I'm sure you tell yourselves that if you hadn't bought my house at that auction, someone else would have. I have to tell you that the way you make your living is crappy. You should be ashamed of yourselves. Maybe I have just been lucky enough to always have worked in an industry (homebuilding) where we build something for someone, make a dream come true for them. But, I know enough about myself that I know I couldn't do your job. The profit would not be worth the shame for me. I couldn't make money by taking something so precious from someone. I hate you both. This has been my mantra for several months – I say over and over again "I hate you". I am not at all a vengeful person and I can't think of anyone else I would say I hate but I am having a very difficult time getting past my feelings of hatred for you. I have wished you would die. I don't wish you would die anymore. Now I wish that somehow you would lose something precious to you, out of the blue; something so precious that it feels like the death of a loved one so you could feel something like the pain I've felt. I hate you and what you have done to me so much. I hope you rot in hell for all you have done to people.
I have thought many times of killing myself. Sometimes right after I lost the house, I would think that maybe if I killed myself and did it the right way so the insurance company didn't know it was suicide, my kids could take my life insurance proceeds and buy the house back. Now, I think about getting into the house and killing myself there so that you would know why I did it. Last Friday I was so upset that I couldn't go to work again. I thought all day about driving myself to the emergency room and telling the people there that I was suicidal. I didn't do it because I don't want to scare my kids or to leave them alone. And, I worry constantly that I will lose my job because of my depression and then we will be homeless. I have no husband and I have no relatives to help me. I am not an unbalanced person. I am by nature analytical, not very emotional and don't fall apart easily. I have never had anything affect me like this has. Even losing my father and my brother didn't affect me in exactly this way.
My doctor has explained to me that since she has counseled rape victims in the past, she knows that all the guilt I feel, the depression, the vulnerability, the sense of hopelessness are feelings of a victim and that I need to get past feeling like a victim and start feeling mad. I never understood before why rape victims would want to commit suicide and why they don't want to prosecute and face their attacker. I understand now. Many people have pushed me for months to file suit against Wells Fargo; I haven't been able to go forward with that. I don't know if I can bear reliving all of this again. And, I don't know if I can handle the intense anger and maybe further depression. I have tried to move on and I thought I was but I wasn't. I finally felt like I could write this letter for the first time within the past few days. I don't know if this will help me move on but I don't know what else to do. Maybe this will bring me some peace. I hope so because I really don't know how else I will find it again. That house was my sanctuary, my serenity, it was the center of my life, it was the stability I gave to my kids, it was my creation, it was me. And, it's gone. How do I ever get that back?
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Posted by azRider on 2011-02-23:
you need to talk to a lawyer. Ask the bank to show you the loan docs and the promissory note. its time to fight. some of the banks are foreclosing on homes they have no right to do. don't give in, don't crumble. get angry and start fighting. get legal advice now, don't wait, the faster you move the faster you can put the bank in line. My guess is the bank sold it at a trustee sale, and that its going to go back on the market as an REO. you can still win this, if you fight now. Don't give in to the dark side, its easy to say 'what can I do'. if they promised you a loan modification and then sold your home out from under you then you have a chance to fight them.
Posted by PepperElf on 2011-02-23:
Try reading that.
Posted by clutzycook on 2011-02-23:
Maybe I read it wrong, but it sounds like the OP waited until the 11th hour to try to get a mod going. How far behind were you? Did you have deliquency notices beforehand? Irregardless, if you never received a notice of foreclosure, you need to get a lawyer and fight this.
Posted by Anonymous on 2011-02-23:
As someone who pays their mortgage on time evey month, even though I had to pay more for the house because people, who really couldn't afford the house without the voodoo financing that went on with the time, I have to ask what would of happened if that bogus loan remodification program of never taken place. I believed most of the homes would of been foreclosed anyway. I was taught to believe if you violate your contract and fail to repay your loan as stipulated in the contract, you would lose your home. All home maintenance is required as a homeowner. Comparing yourself to a rape victim is just plain wrong.
Posted by dan gordon on 2011-02-23:
your story was very well written and heart wrenching. I just finished a Wells Fargo 'easy' 3 step refi and it was far from 'easy'. My sympathies.
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The Great Gatsby
The Great Gatsby is one of the great classics of twentieth-century literature.
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In my younger and more vulnerable years my father gave
me some advice that I've been turning over in my mind ever
"Whenever you feel like criticizing any one," he told me,
"just remember that all the people in this world haven't had
the advantages that you've had."
He didn't say any more, but we've always been unusually
communicative in a reserved way, and I understood that he
meant a great deal more than that. In consequence, I'm
inclined to reserve all judgments, a habit that has opened up
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Reading Group Guide
The Great Gatsby, one of the classics of twentieth-century literature, brings to life America's Jazz Age, when, as The New York Times puts it, "gin was the national drink and sex the national obsession." Nick Carraway, a Yale graduate and veteran of the Great War, moves to Long Island in the spring of 1922, eager to leave his native Middle West behind. He rents a tiny house in West Egg, dwarfed by a mansion owned by the most celebrated host of the season, Jay Gatsby. Everyone loves to drink and dance at Gatsby's legendary parties, and everyone loves to gossip about Gatsby's secret past. Directly across the bay in the tonier town of East Egg lies the home of Nick's beautiful cousin and her millionaire husband: Daisy and Tom Buchanan. When Nick starts dating Daisy's friend, the famed but deceitful golfer Jordan Baker, he finds himself caught up in a different romance: Gatsby begs for a reintroduction to Daisy. Gatsby and Daisy fell in love years ago, but the war and Tom Buchanan came between them. As the see more

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|« Liberty's Edwards Retires as FSN Radio Broadcaster
|FCS Student-Athletes Amongst 2010 NFF Hampshire Honor Society Membership »
Georgia State, Lamar Amongst New Football Programs in 2010
DALLAS, May 6, 2010 - The National Football Foundation & College Hall of Fame (NFF) highlighted today that six new college football teams are set to take the field for the first time this season with 10 more programs set to launch between 2011 and 2013. The NFF reached out to top officials at several of the schools to capture their thoughts on football's impact on their campus life, including Georgia State, the University of South Alabama, Lamar University, and the University of Texas at San Antonio.
"It's exciting to see the launch of these programs because they are giving players the opportunity of playing at different levels in regions of the country where those options did not previously exist," NFF President & CEO Steven J. Hatchell. "Football's popularity has never been greater, and the fact that so many schools are embracing it is a testament that more and more college administrators see the value of the sport to a student's overall educational experience."
Programs Launching in 2010
* University of South Alabama (Mobile, Ala.): NCAA Division I - Football Championship Subdivision, Sun Belt Conference (2010 with a full transition to the Football Bowl Subdivision anticipated in 2013): President V. Gordon Moulton, Athletics Director Joel Erdmann, Head Coach Joey Jones
* Georgia State University (Atlanta, Ga.): NCAA Division I Football Championship Subdivision, Colonial Athletic Association (2010) - President Mark P. Becker, Athletics Director Cheryl L. Levick, Head Coach Bill Curry
* Lamar University (Beaumont, Texas): NCAA Division I Football Championship Subdivision, Southland Conference (2010) – President James Simmons, Athletics Director Billy Tubbs, Head Coach Ray Woodard
* Pacific University (Forest Grove, Ore.): NCAA Division III, Northwest Conference (2010): President Lesley M. Hallick, Athletics Director Ken Schumann, Head Coach Keith Buckley
* Lindsey Wilson College (Columbia, Ky.): NAIA, Mid-South Conference (2010) - President William T. Luckey Jr., Athletics Director Willis Pooler, Head Coach Chris Oliver
* Notre Dame College (South Euclid, Ohio): NAIA, American Mideast Conference (NAIA in 2010 and year-one candidate for NCAA Division II) – President Andrew P. Roth, Athletics Director Susan Hlavacek, Head Coach
Programs Launching in 2011-2013
* University of Texas at San Antonio (San Antonio, Texas): NCAA Division I Football Championship Subdivision, Independent (2011-2012 as an FCS independent, hopefully joining an FBS conference in 2013) – President Ricardo Romo, Athletics Director Lynn Hickey, Head Coach Larry Coker.
* University of North Carolina at Charlotte (Charlotte, N.C.): NCAA Division I Football Championship Subdivision, Conference TBD (2013) – Chancellor Philip L. Dubois, Athletics Director Judy Rose, Head Coach TBA
* LeMoyne-Owen College (Memphis, Tenn.): NCAA Division II, Southern Intercollegiate Athletic Conference (2011) - President Johnnie B. Watson, Athletics Director William Anderson, Head Coach TBA
* Ave Maria University (Ave Maria, Fla.): NAIA, Sun Conference (2011): Chancellor Thomas Monaghan; Ave Maria Athletics Director Brian Scanlan; Head Coach Barry Fagan.
* Concordia University (Ann Arbor, Mich.): NAIA, Mid-State Conference (2011) – Acting President Charles A. Winterstein, Athletics Director Ben Limback, Head Coach Nathan Robbins
* Finlandia University (Hancock, Mich.): NCAA Division III (2012) - President Philip Johnson, Athletics Director Chris Salani, Head Coach TBA
* George Fox University (Newberg, Ore.): NCAA Division III, Northwest Conference (2013) – President Robin Baker, Athletics Director Craig Taylor; Head Coach TBA.
* Presentation College (Aberdeen, S.D.): NCAA Division III, Upper Midwest Athletic Conference (2011) - President Lorraine Hale, Athletics Director Rick Kline, Head Coach Andy Carr
* Stevenson University (Owings Mills, Md.): NCAA Division III, Capital Athletic Conference (Developmental in 2010, NCAA Division III in 2011) - President Kevin J. Manning, Athletics Director Brett Adams, Head Coach Ed Hottle.
* Wayland Baptist University (Plainview, Texas): NAIA, Central States Football League (2012) – President Dr. Paul Armes, Athletics Director Dr. Greg Feris, Head Coach TBA.
Programs Launched in 2009
* Old Dominion University (Norfolk, Va.): NCAA Division I Football Championship Subdivision, Colonial Athletic Association – President John R. Broderick, Athletics Director Jim Jarrett Head Coach Bobby Wilder.
* University of the Incarnate Word (San Antonio, Texas): NCAA Division II, Independent and joining the Lone Star Conference in 2010 – President Louis Agnese, Jr., Athletics Director Mark Papich, Head Coach Mike Santiago
* University of New Haven (West Haven, Conn.): NCAA Division II, Northeast-10 Conference – President Steven H. Kaplan, Athletics Director Deborah Chin, Head Coach Peter Rossomando
* Anna Maria College (Paxton, Mass.): NCAA Division III, Eastern Collegiate Football Conference – President Jack Calareso, Athletics Director David Shea, Head Coach Marc Klaiman
* Castleton State College (Castleton, Vt.): NCAA Division III, Eastern Collegiate Football Conference – President David Wolk, Athletics Director Deanna Tyson, Head Coach Rich Alercio.
Myriad of Factors
Many factors come into play when launching a football program, including financial forecasts, facilities requirements, potential fan base, commitment from the administration, staffing needs, finding a conference, establishing an academic support system, feasibility studies and a myriad of other variables that help determine if it's the right fit for a particular school.
Georgia State, which will play its first game in history Sept. 2 against Shorter College (Ga.), is capitalizing on its 100,000 alumni base in the Atlanta metro area and the state's renowned passion for college football to meet its goal of filling the lower level of the Georgia Dome. Georgia State Athletics Director Cheryl Levick, who worked with football programs while an administrator at Maryland and Stanford, said building the program from scratch has been a little bit of heaven and a dream job for an athletics director. She added it has been extra special to work with Bill Curry, who has been hired to coach the team and previously built a blue chip reputation as the head coach at Georgia Tech, Alabama and Kentucky.
"The reason for adding football really goes back to what the students wanted on campus," said Levick, citing overwhelming approval by the 30,000 members of the student-body to increase fees by $85 per student each semester. "It was a vote that they approved for an additional fee to ensure that there was football and a marching band, and I really do believe that the students and the Georgia State community wanted to have a full college experience, which included having a football program."
The process to launch a football program at Georgia State began under the watch of former Georgia State President Carl Patton and former athletics director Mary McElroy. When Levick arrived on the scene, there was one coach, one player, and one helmet. The program had no practice facility, no locker room, no equipment and no jerseys. With the first kickoff 17 months away, they had to find a temporary weight room, sports medicine area and practice facilities, creating a whirlwind of 12 to 15 hour days. Now with the second class of recruits signed and her administration team firmly in place, Levick is focused on the process of building permanent facilities, ticket sales, and a long-term marketing plan. No detail has been overlooked. Even Pounce, the school mascot, got a facelift to give the Panthers a more ferocious look.
The addition of football at Georgia State is part of a broader vision by its current president, Mark Becker, to transform a school formerly known as commuter school in downtown Atlanta into a top-notch academic institution with a total campus experience. In addition to the football and marching band programs, he is adding more campus dorms, a brand new dining hall, more green space, and a Greek residential area.
"President Becker really wants Georgia State to be known as a national research institution in the heart of Atlanta," said Levnick. "We have the research institution accreditation, and we feel the academic part of it is there, but we need to do a better job of getting the message out to the community, potential students, student-athletes, and fans, so he really wants the students here to have a full college campus experience… and football is a part of it."
Playing the National Champions
Scheduling creates an interesting dilemma for a new schools, and Coach Curry consulted with several former coaches and athletics directors who had been involved with new programs for advice, including Tennessee Tech coach Watson Brown, Florida Atlantic coach Howard Schnellenberger, former South Florida coach Jim Leavitt, and former Marshall coach Jack Lengyel. Their collective advice centered on finding two or three games that will be really hard; two or three that will be really even; and then one or two games in the monster category.
Georgia State has lined up South Alabama, Old Dominion and Lamar, all new programs that fall in the level playing field category. The surprise comes in the monster category where Georgia State finds itself slotted against defending national champion Alabama. Curry, who coached the Crimson Tide from 1987-89, received a phone call about a year ago from his former trainer in Tuscaloosa, Bill McDonald, who is now the director of sports medicine at Alabama. McDonald was offering Curry a chance at the game.
"I said, 'Wow that would be a heck of feather in our cap. How about 2013?,'" Curry recalled. "He said, 'No 2010,' and I said, 'That's crazy. Do you think I am nuts?' He said, 'November 20, 2010 that's all we got. Take it or leave it. Do you want to make your program? Do you want to get a great buzz for your program? Do you want to make all this money for your program? I know you need all those things.' And then he sort of insinuated that I might be scared.'"
McDonald had gotten Curry's dander up, and a conference call ensued with Curry, Becker and Levick to determine if it was the right thing to do for the young program. The decision has produced plenty of publicity and even attracted new recruits who, in Curry's words, "wanted to join a program that has decided to take on the big boys early," but before the game got scheduled Curry had to address one question for President Becker. He wanted to know Curry's plans for his speech in the locker room after the game if things did not go well. Curry said he had the perfect speech that would call all of his life experiences, including playing at Georgia Tech for Hall of Fame Coach Bobby Dodd and appearing in two Pro Bowls and three Super Bowls during a 10-year NFL career with the Packers, Colts, Oilers and Rams.
"When I reported to the Green Bay Packers in 1965, considered to be the greatest football team of all-time by many, I was an undersized center, and there was a middle linebacker named Ray Nitschke, who broke my facemask and my nose and knocked me out of the first play of the first day," said Curry.
"I had to get up off the ground and make a decision, am I going to hit this guy again or am I going to go home. That's the story that I am going to tell them. We're going to hit them again, again and again until we can play with them. So, whoever the opponent is, we're going to hit them with all our might and play with all our hearts, and we're going to get better every time. We need all these types of experiences if we're going to be the best we can be. So, going to go play Alabama in Tuscaloosa is a big part of the process."
Curry, who admits returning to Tuscaloosa will produce a nostalgic moment from him personally, says that the fact that he is a former coach of the Crimson Tide is "utterly irrelevant in the grand scheme of things" for his players. More important he cites with pride is the cumulative 2.7 GPA of his 71 players who have set a goal for themselves of hitting a 3.0 GPA mark.
"There are bunch of walk-ons who would not be going to college except for this," Curry said. "They came here because they wanted to walk-on to the football team. There are others who came out of the student body who had terrible grades, who now have excellent grades because we forced them to go to class and we make them study."
Filling a Texas-Sized Void
San Antonio, the seventh largest city in the country, lacks both an NCAA Division I program and a professional football team. The University of Texas at San Antonio (UTSA) has moved to fill the void, hiring head coach Larry Coker, who won a national championship in 2001 at Miami (Fla.). Coker calls the situation in San Antonio the "perfect storm," citing a litany of positives in the area as UTSA prepares to field a team in 2011.
The city provides access to the natural Texas high school recruiting base and under-utilized Alamo Dome. The UTSA administration has thrown its full support behind the effort, and the 30,000 members of the student body voted twice overwhelmingly to support the effort. The two student referendums both received more than 60 percent, and when fully in place by 2015 the new fees will add $13-15 million per year to the athletics budget. The funds will be used to move all of the school's 17 sports to a more competitive level with the goal of UTSA being able to accept an offer from a conference in the future to play Football Bowl Subdivision football.
"We have a lot of work to do, but we have a lot of positives and the vision has been really easy to sell. People really believe in it," Coker said. "You very seldom have the opportunity to start or originate anything, and to me to be here to accept this opportunity is huge."
UTSA has scheduled games with FBS opponents Arizona, Arizona State, Baylor, and Kansas State and expanded its recruiting efforts this year with seven fulltime coaches versus three last year. They also hosted a camp at the Alamo Dome that attracted 600 kids with three of the top athletes at the camp signing with UTSA. Coker said it was impressive the number of kids that wanted to come and be a part of it.
"I really underestimated the caliber of kids that we were able to attract especially in the first year," said Coker. "It's not a whole class of Miami-type players, but I guarantee you that we have attracted people that could play any place that I have ever been, Miami, Ohio State, any of those places."
Lynne Hickey, the athletics director at UTSA, said the process did not happen overnight, and the school spent the better part of seven years making sure a NCAA Division I football program would be a strategic fit for the university. The comprehensive plan started with reviewing the needs of the campus and ascertaining the level of support from the city, and many smaller steps followed.
"With the growth of our university academically and with the strategic plan in place that we are working towards becoming a tier one research institution, we needed this campus life to bring our alumni back and would attract students, faculty and staff, and to better engage the city of San Antonio and all of South Texas with our campus," Hickey said. "The purpose of coming to college is to get a degree and to learn but students on a campus want to have campus life and want to have pride in the traditions of the school… I don't know how you try to develop a huge academic university that does not also have engaging campus life."
Community outreach is a key component for UTSA. The only public four-year college in the city, many of its students come from families that never had anybody attend college, and founded only forty years ago, the school lacks a vibrant alumni base that can make large donations. Hickey sees community outreach as a win-win for both school and the community, increasing enrollment as well as donations.
"We are in a city that needs to vastly improve high school graduation rates and attendance to college," said Hickey. "We really want to help build a platform at UTSA that really gives us an opportunity to reach out to the community and to have a positive impact on youth. If we can develop venues and events where kids will be exposed to college life and they want to become a part of it, and they realize it's possible, then we have done an important part of building a major university."
The Returning of 2,000 Students
Lamar University, which will compete in the Southland Conference, will play its first game since 1989 on September 4 against McNeese State. Lamar Athletics Director Billy Tubbs has spent the past eight years developing the plan to bring the sport back, rectifying the mistake of the school's administration in the late 1980s to eliminate the sport.
"Football is almost a religion in Texas and a lot of the country, and when we dropped football we lost 2,000 students," said Lamar Athletics Director Billy Tubbs. "You know football adds a lot to your university that people don't take into consideration, so there was a lot of disappointment over it, and it should have never been dropped because we had some great traditions in football."
Tubbs cites the student referendum for an increase in student fees to fund a $30 million bond to renovate the football stadium and locker rooms as an example of the excitement behind the sport's return at the school.
"We put it before a student vote, and they're going to bear the brunt of bringing football back, and the vote was just totally overwhelming that they wanted football," said Tubbs. "They voted to spend more money. Anytime you vote to spend more money. That's pretty convincing."
One of the biggest challenges facing Lamar at the start of the program was lacking a football expert on campus, and it took a significant amount of time to develop a sound plan. Tubbs said it has been a long and challenging road, but bringing football back has been the right call. The school has seen a surge in enrollment and is on track to reach a projected 2,000 additional students, which Tubbs adds will bring more funding because state money is distributed to public schools based on enrollment.
"We are going into this and we're doing it right. We're doing it first class. Anybody can start a program," Tubbs said. "The key for us is to we want to start a program that will be successful so we have taken a lot of time and effort to be successful to win and be competitive and win conference championships. If you're going to do it, you got it do it right. And doing it that way, it will enhance the whole campus."
Where to Find a Crowd
Passion for football runs deep in the South, and the state of Alabama plays a key role in that fervor, already boasting an impressive list of Football Bowl Subdivision schools that includes the Alabama Crimson Tide, the Auburn Tigers, the UAB Blazers and the Troy Trojans. One might have thought that there might not be enough fans to go around for another Division I program, but the South Alabama Jaguars are proving the adage that either pork on the barbeque or pigskins on the gridiron will attract a huge crowd in the South.
The Jaguars, playing in Mobile and joining the Sun Belt Conference, averaged 20,000 fans per game during their 2009 provisional season against prep schools and junior colleges. The team's first game alone attracted 28,000 fans against Hargrave Military Academy, a prep school in Virginia. Season tickets sales have been impressive too with more than 8,000 sold last year.
"We went head-to-head at times with very visible and popular schools in the Southeastern Conference [with our game times]," said Dr. Joel Erdmann, the athletics director at South Alabama. "And our fans turned out and supported the Jaguars. The great thing about the program is the university and many constituent groups within the university worked very hard at creating and nurturing the whole traditional college football experience."
Erdmann said everything centered on the game, but special efforts were made to highlight all of the other elements that create a vibrant football environment, including tailgating, hospitality opportunities for donors and business groups, the marching band, the cheerleaders, the dance team, the mascot, and all of the elements involved in the product of college football.
"It just made a long-lasting impression on our fans," Erdmann said. "When they came out and watched the first game, it looked, tasted and felt like college football, so a lot of people can be very proud of that."
South Alabama is set to play all four-year colleges in 2010 with a mixture of schools from the Football Championship Subdivision, including Georgia State and Lamar, Division II and the NAIA, and in 2011 the Jaguars are set to play Kent State and NC State.
"The reason to bring football to South Alabama is based on a sincere good for the university, and there was a sense of something missing," said Erdmann. "The university has grown not only in enrollment but in stature. The academic side has solidified and grown through the great leadership of the administration. Student life has been energized. The infrastructure has been strong and improving, and there just seemed to be a missing piece and that was football."
The Value of Scholarships
Schools with established programs are also expanding by adding football scholarships. Fordham, which plays in the Patriot League, and Stony Brook, which plays in the Big South Conference, are two examples. Fordham has not had football scholarships since 1954 when the school eliminated the sport. A decade later the students brought the game back as a club sport, and it has gradually progressed to become a Division I Football Championship Subdivision program.
Following its recent success in making other sports highly competitive by converting intuitional aid into athletic scholarships, Fordham signed its first class of 15 scholarship football players this past spring en route to 60 scholarships at the end of a four-year period. In addition to the scheduling of games with UConn, Army and Navy, the return of the scholarships has created tremendous excitement at the school and with its alumni base, according to Fordham Athletics Director Frank McLaughlin.
"We're taking the same amount of institutional aid and moving it over to pure athletic scholarships," said McLaughlin. "We spent a lot less money on recruiting, and we spent a lot less money being on the road than the old system this past year… It's financially more effective for us, and it allows us to elevate our student-athletes both academically and athletically. It's not increased costs. It's a reallocation and being a lot more effective with our limited resources."
Stony Brook started increasing its number of scholarships in 2008. The Seawolves had previously competed in the Northeast Conference, which only allows 23 scholarships per school. Stony Brook, which had built a new stadium in 2001, wanted to raise the profile of its program, and a decision was made to transition to a conference that allowed 63 scholarships, the maximum permitted at the FCS level. The Seawolves started adding scholarships and linked up with the Big South Conference. In 2009, the first full year with 63 scholarships, the Seaswolves won the conference championship. Now with the process completed, they will be eligible for the Big South Conference's playoff berth at the end of the 2010 season.
"We made football one of our priorities for the obvious reasons of the exposure you get, and it allows you access to various conference affiliations long-term. My job as athletics director is to set us up for the next forty years not the next four years," said Stony Brook Athletics Director Jim Fiore. "Our image and brand as a university has improved. The pride within the campus community and student body has improved. We get terrific support from the community. It's just been an overall good move for us. As conferences shake out, we're in a good position for the long haul to be in a good spot to link with institutions of our academic ilk."
The change has allowed Stony Brook to schedule games with Boston College, South Florida, and Army, and Fiore hopes that the Seawolves will continue to raise their athletic profile to match schools with similar academic standards such as New Hampshire, Maine, UMass, Rhode Island, Rutgers, Connecticut and Delaware.
Coupled with the five programs started last year, the new additions will create a total of 21 schools establishing new teams in the span of five years. The 16 colleges in the process of launching football programs will boost the overall ranks of four-year institutions carrying the sport to 728 schools. The current divisional breakdown includes: 120 Division I Football Bowl Subdivision programs; 125 Division I Football Championship Subdivision programs; 151 Division II programs; 240 Division III programs; and 92 NAIA programs.


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Rose Stamp Camera Style WC-21
This item is available online only. *
Capture all those candid moments that you would otherwise miss! The Rose Stamp Wedding Camera offers a fresh accent for your wedding reception. A beautiful and elegant table card is also included to provide simple instructions for your guests. A perfect match for any wedding theme! Our cameras are loaded with 27-exposure quality AGFA 400 ASA film. Camera has point-and-shoot operation and one-touch automatic flash. Keep cameras in cool temperature if storing.
*Color & Style representation may vary by monitor. Not responsible for typographical or pictorial errors. Product availability varies by store and online. Some in-store purchases require special order and markdown styles cannot be special ordered. Contact your local store for details.


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You can view the current or previous issues of Diabetes Health online, in their entirety, anytime you want.
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See if you qualify for our free healthcare professional magazines. Click here to start your application for Pre-Diabetes Health, Diabetes Health Pharmacist and Diabetes Health Professional.
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Send a link to this page to your friends and colleagues.
This press release is an announcement submitted by JDRF, and was not written by Diabetes Health.
A hormone responsible for the body's stress response is also linked to the growth of insulin-producing cells in the pancreas, according to JDRF- funded researchers at the Salk Institute for Biological Studies in California. The findings are the latest advances to underscore the potential for regeneration as a key component of a possible cure for type 1 diabetes.
The research, which was published in the Proceedings of the National Academy of Sciences, was led by Wylie Vale, Ph.D., Professor and Head of the Clayton Laboratories for Peptide Biology and Mark O. Huising, Ph.D., a postdoctoral fellow at the Clayton Foundation Laboratories. The Juvenile Diabetes Research Foundation was a funder of the study.
According to Patricia Kilian, Ph.D., Program Director for Regeneration at JDRF, the study showed that the stress hormone could increase the rate at which insulin-producing cells in the pancreas expand in animal models. These findings reinforce the potential of regeneration as a cure for diabetes and provide insights for discovering new approaches to treat people with diabetes by restoring or regenerating their ability to produce insulin.
Regeneration Research
Among the fastest-growing scientific areas JDRF supports is research aimed at regenerating insulin producing cells in people who have diabetes (as opposed to transplanting cells from organ donors or other sources). This involves triggering the body to grow its own new insulin producing cells, either by copying existing ones - some are usually still active, even in people who have had diabetes for decades - or causing the pancreas to create new ones.
JDRF has become a leader in this new and exciting research field, funding a wide range of research projects such as the Salk Institute study and creating an innovative diabetes drug discovery and development partnership with the Genomics Institute of the Novartis Foundation (GNF), focused on regeneration approaches. With a team of 550 scientists and associates and an impressive track record of success in translational research, GNF applies innovative technologies to the discovery of new or improved therapeutics for people.
In addition to regenerating or replacing insulin producing cells, a cure for type 1 diabetes will also involve stopping the autoimmune attack that causes diabetes, and reestablishing excellent glucose control.
Role of Stress Hormones in Insulin Producing Cells
Research conducted by Dr. Vale's laboratory since the 1980s established the role of the hormone CRF (corticotropin-releasing factor) in regulating the stress response in people. With this research, the team now reports that CRF has a direct effect on how insulin producing cells in the pancreas function and grow.
"We found that beta cells in the pancreas actually express the receptor for CRF," explains Dr. Huising. "And once we had established the presence of CRF in these cells, we started filling in the blanks, trying to learn as much as we could."
These results showed that when beta cells are exposed to the hormone, and to high levels of blood sugar, they will produce and release insulin. Working in collaboration with researchers at the Panum Institute in Copenhagen, the investigators discovered that these insulin producing cells proliferate when exposed to CRF.
"Being able to stimulate beta cells to divide a little faster may be part of a solution that may ultimately, hopefully, allow management of type 1 diabetes," Dr. Vale says. "But because it is an autoimmune condition, making the cells divide won't be enough. That is why researchers are working hard to solve the problem of destruction of beta cells."
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About JDRF
JDRF is a leader in setting the agenda for diabetes research worldwide, and is the largest charitable funder and advocate of type 1 research. The mission of JDRF is to find a cure for diabetes and its complications through the support of research. Type 1 diabetes is a disease which strikes children and adults suddenly and requires multiple injections of insulin daily or a continuous infusion of insulin through a pump. Insulin, however, is not a cure for diabetes, nor does it prevent its eventual and devastating complications which may include kidney failure, blindness, heart disease, stroke, and amputation.
Since its founding in 1970 by parents of children with type 1 diabetes, JDRF has awarded more than $1.4 billion to diabetes research, including more than $100 million in FY2009.
About the Salk Institute for Biological Studies
The Salk Institute for Biological Studies is one of the world's preeminent basic research institutions, where internationally renowned faculty probe fundamental life science questions in a unique, collaborative, and creative environment. Focused both on discovery and on mentoring future generations of researchers, Salk scientists make groundbreaking contributions to our understanding of cancer, aging, Alzheimer's, diabetes, and cardiovascular disorders by studying neuroscience, genetics, cell and plant biology, and related disciplines.
Faculty achievements have been recognized with numerous honors, including Nobel Prizes and memberships in the National Academy of Sciences. Founded in 1960 by polio vaccine pioneer Jonas Salk, M.D., the Institute is an independent nonprofit organization and architectural landmark.
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Categories: Beta Cells, Blood Sugar, Diabetes, Diabetes, Insulin, Research, The Cure, Type 1 Issues
2 comments - Feb 22, 2010
Diabetes Health is the essential resource for people living with diabetes- both newly diagnosed and experienced as well as the professionals who care for them. We provide balanced expert news and information on living healthfully with diabetes. Each issue includes cutting-edge editorial coverage of new products, research, treatment options, and meaningful lifestyle issues.


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Fred Mogul, Reporter, WNYC News
Fred Mogul has been covering healthcare and medicine for WNYC since 2002.
New York, NY –
City health officials are making a new push to make New Yorkers healthier. This time, it involves getting outer borough residents to exercise more and banning smoking in city parks and beaches. As WNYC's Fred Mogul reports, a similar effort launched during Mayor Bloomberg's first term in office has had mixed results.
The new batch of "Take Care NY" goals once again focuses on things like reducing smoking, slowing the spread HIV-AIDS and recognizing and treating depression. But there's now more emphasis on physical fitness and a push to get city agencies to work together to improve health and shrink disparities. Final numbers aren't in for the first Five-Year-Plan, released in 2004, but some goals were met early, such as making sure more residents have a primary care physician and some trends went in the wrong direction, such as fewer elderly people getting flu shots. In both cases, it's difficult to assess whether city efforts made the difference or whether larger cultural and political forces influenced city residents. For WNYC, I'm Fred Mogul.
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A Multi-center, Prospective, Randomized Study With PriMatrix and PriMatrix Ag for the Treatment of Venous Leg Ulcers
This study has been completed.
TEI Biosciences Inc.
Information provided by (Responsible Party):
TEI Biosciences Inc.
ClinicalTrials.gov Identifier:
First received: June 4, 2012
Last updated: February 21, 2013
Last verified: February 2013
- Full Text View
- Tabular View
- No Study Results Posted
- Disclaimer
- How to Read a Study Record
To evaluate the effectiveness of PriMatrix, PriMatrix Ag, and Standard of Care in the treatment of venous leg ulcers (VLUs).
Venous Stasis Ulcer
Device: PriMatrix
Device: PriMatrix Ag
Procedure: moist wound therapy
|Study Type:
|Study Design:
|Allocation: Randomized
Endpoint Classification: Efficacy Study
Intervention Model: Parallel Assignment
Masking: Open Label
Primary Purpose: Treatment
|Official Title:
|A Multi-center, Prospective, Randomized Study With PriMatrix Dermal Repair Scaffold, PriMatrix Ag Antimicrobial Dermal Repair Scaffold, and Standard of Care for the Treatment of Venous Leg Ulcers
Resource links provided by NLM:
MedlinePlus related topics: Leg Injuries and DisordersU.S. FDA Resources
Further study details as provided by TEI Biosciences Inc.:
Primary Outcome Measures:
- Percent of VLUs healed by week 12 post-randomization [ Time Frame: 12 weeks ] [ Designated as safety issue: No ]
Secondary Outcome Measures:
- Cost of treatment [ Time Frame: 12 weeks ] [ Designated as safety issue: No ]
|Study Start Date:
|June 2011
|Primary Completion Date:
|February 2013 (Final data collection date for primary outcome measure)
|Assigned Interventions
Experimental: PriMatrix
PriMatrix Dermal Repair Scaffold
|Device: PriMatrix Procedure: moist wound therapy
Experimental: PriMatrix Ag
PriMatrix Ag Antimicrobial Dermal Repair Scaffold
|Device: PriMatrix Ag Procedure: moist wound therapy
Active Comparator: Standard of Care
Standard of Care Moist Wound Therapy
|Procedure: moist wound therapy
|Ages Eligible for Study:
|18 Years and older
|Genders Eligible for Study:
|Accepts Healthy Volunteers:
Inclusion Criteria:
- Men or women ≥ 18 years of age
- Ankle-brachial index (ABI) > 0.80
- Study wound 2-64 cm2 surface area
- Wound does not exhibit a greater than 50% reduction in surface area during the screening period
Exclusion Criteria:
- Suspected or confirmed signs/symptoms of wound infection
- Hypersensitivity to bovine collagen
- Body Mass Index (BMI) ≥ 45
Contacts and Locations
Please refer to this study by its ClinicalTrials.gov identifier: NCT01612806
|Puerto Rico
|Caribbean Clinical Trials
|Hato Rey, Puerto Rico
|Dr. Pila Metropolitan Hospital Wound Healing Center
|Ponce, Puerto Rico
|Doctors' Center Hospital of San Juan
|San Juan, Puerto Rico
|Wound and Ulcer Care Clinic of San Juan
|San Juan, Puerto Rico
|Wilma N. Vazquez Hospital
|Vega Baja, Puerto Rico
Sponsors and Collaborators
TEI Biosciences Inc.
More Information
No publications provided
Additional relevant MeSH terms:
ClinicalTrials.gov processed this record on April 17, 2014
No publications provided
|Responsible Party:
|TEI Biosciences Inc.
|ClinicalTrials.gov Identifier:
|NCT01612806 History of Changes
|Other Study ID Numbers:
|Study First Received:
|June 4, 2012
|Last Updated:
|February 21, 2013
|Health Authority:
|United States: Institutional Review Board
Additional relevant MeSH terms:
Leg Ulcer
Postphlebitic Syndrome
Postthrombotic Syndrome
Varicose Ulcer
Skin Ulcer
Skin Diseases
Peripheral Vascular Diseases
Vascular Diseases
Cardiovascular Diseases
Venous Insufficiency
Venous Thrombosis
Embolism and Thrombosis
Varicose Veins
Pathologic Processes
Anti-Infective Agents
Therapeutic Uses
Pharmacologic Actions
ClinicalTrials.gov processed this record on April 17, 2014


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Hey guys since the beta is going down , I'll be playing league of legends until evil returns on the 15th.
One of my friends has a 2300 rating and streams a bunch.
If you appreciate good streams Check him out at:
PS: What are your favorite champs in league?
Results 1 to 4 of 4
Thread: Awesome LOL stream. 2300 rated
01-05-2012, 04:09 #1
Awesome LOL stream. 2300 rated
01-05-2012, 21:56 #2
Re: Awesome LOL stream. 2300 rated
I only play Sivir. Amazons ftw. What realm are you on? I got an acc on North America.
02-05-2012, 12:26 #3
Re: Awesome LOL stream. 2300 rated
my player name is FizzyBubbly27 on LOL, North America. I usually play AD carry atm trying to get better for higher ELO games with my friends. looking to start using some jungle champions after I got the AD carry role down.
02-05-2012, 14:23 #4
Re: Awesome LOL stream. 2300 rated
Ah, right, you are ranked. I just play NA when Eu is off. Should have figured you have played for long if you got friends who stream
© IncGamers Ltd 2012


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Narrow your search
To protest the NSA spying program on Independence Day, dozens of top Web sites will display a Fourth Amendment banner, and thousands of people will participate in street protests across the country.
The Firefox browser developer sets up a site to send e-mail to Congress urging changes to surveillance laws and an investigation to "reveal to the public the extent of this domestic spying."
Open letter from privacy advocates, Internet activists, journalists, and others calls on Microsoft to provide public documentation about the security and privacy practices around Skype.
They're among a number of companies that disappoint with their privacy practices, according to the Electronic Frontier Foundation -- which likes what it sees from Twitter and others.
The government seized MegaUpload's user data and one former user has run out of patience with negotiations to decide what should be done with it. He wants a federal court to order that his footage be returned.
Startup Aereo's free broadcasting service remains the target of television networks as they try to shutter it based on copyright infringement.
Speakers at privacy event warn developers that regulation will come if they don't shape up.
Consumer rights groups oppose subpoena for Twitter data of arrested demonstrator.
A subpoena for a protestor's Twitter account information could reveal location data without forcing authorities to obtain a search warrant, privacy advocates at the EFF note.
Federal prosecutors say guide prepared by Electronic Frontier Foundation buttresses their position on whether Americans can be forced to divulge their passphrases.


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The Alzheimer's Art Quilt Initiative (AAQI)
Raising Awareness & Funding Research Through ArtQuestions? Email us or call: (810) 637-5586 ---
Lynda Sharp
Wells, NV USA
Width: 9" Length: 12"
Materials/Techniques: I had an orphan block that I used to make a small quilt. It is machine pieced using cotton fabrics; it has a cotton batting and backing and is hand quilted. The binding is a double fold using the same fabric as was used for the backing.
Artist Statement: I'm pleased to have found a way that i can personally help with the elimination of this devastating disease.
Lynda Sharp
Dedication: Dedicated to the hardworking team at AAQI who make it possible for me to participate in the eradication of Alzheimer's. I feel great respect for all those who freely give of their time and energy to keep this organization flourishing.
This quilt has a Plain Back.