Overland Park Man Barricades Himself in Home After Getting Eviction...

Full story: Fox4KC 70
A man has barricaded himself in his home in Overland Park at 144th and Hemlock after he was served an eviction notice. Full Story
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MnL

Kansas City, KS

#73 Sep 18, 2010
I have a loan from Wells Fargo. The co-borrower lost his job, but I have had the same steady, well-paying job for 9 years. I couldn't afford the entire mortgage on my own since I was now paying for everything. Wells Fargo started me on a trial plan for modification and I made all payments as requested and complied with every other request. Then I received a letter stating that I was current on my loan and no at risk of default (even though I was a couple months behind on the original mortgage). So they denied my modification. Then 4 days later I got a letter saying they were foreclosing and then got served with papers. I explained that I made all trial plan payments on time and in the full amount but they dont care. The calculated my income incorrectly and said I have plenty of money to pay the original mortgage. After I pointed out their mistake they found that yes, I do have a small deficit if paying the original mortgage, but not with the trial plan payment I was making. They still denied the modification. So I redid my expenses and got rid of some necessities as they requested and got the DTI ratio where they wanted it and they still denied it. The point is, they tell you they want to help, but they really just want to take your home. They have to act like they want to help so they can suck up stimulus money and pay their people bonuses. WFHM is crooked. My next step is to make them "produce the note" in court, which I doubt they have because the mortgage has been bundled and sold at least 4 times. Then, right before the next court hearing, I will file bankruptcy to prolong the foreclosure even that much more. If all goes well, I will live here another year without paying a penny. Now don't get me wrong, I want to pay and keep my house, but since they said they will not accept anymore payments I'm going to sit here and suck it up as long as I can and save my money and make them waste their money on attorneys and other costs and then laugh when they lose even more money when they take the house.
LSR

Raymore, MO

#74 Sep 18, 2010
MnL wrote:
I have a loan from Wells Fargo. The co-borrower lost his job, but I have had the same steady, well-paying job for 9 years. I couldn't afford the entire mortgage on my own since I was now paying for everything. Wells Fargo started me on a trial plan for modification and I made all payments as requested and complied with every other request. Then I received a letter stating that I was current on my loan and no at risk of default (even though I was a couple months behind on the original mortgage). So they denied my modification. Then 4 days later I got a letter saying they were foreclosing and then got served with papers. I explained that I made all trial plan payments on time and in the full amount but they dont care. The calculated my income incorrectly and said I have plenty of money to pay the original mortgage. After I pointed out their mistake they found that yes, I do have a small deficit if paying the original mortgage, but not with the trial plan payment I was making. They still denied the modification. So I redid my expenses and got rid of some necessities as they requested and got the DTI ratio where they wanted it and they still denied it. The point is, they tell you they want to help, but they really just want to take your home. They have to act like they want to help so they can suck up stimulus money and pay their people bonuses. WFHM is crooked. My next step is to make them "produce the note" in court, which I doubt they have because the mortgage has been bundled and sold at least 4 times. Then, right before the next court hearing, I will file bankruptcy to prolong the foreclosure even that much more. If all goes well, I will live here another year without paying a penny. Now don't get me wrong, I want to pay and keep my house, but since they said they will not accept anymore payments I'm going to sit here and suck it up as long as I can and save my money and make them waste their money on attorneys and other costs and then laugh when they lose even more money when they take the house.
This is not the first bad Wells Fargo experience I have heard. Definitely not a company I would use in the future from all of the bad things I have heard. It doesn't surprise me, I understand in their call center, their employees are allowed to wear whatever they want, including their pj's and slippers--no dress code. They are also allow to use the computer to do whatever they want, shop, facebook, whatever. Somewhere along the line, they have convinced the upper management idiots that they multitask well and deserve to do all of these extras. Wouldn't surprise me if this was common practice through out the company. Someone was probably farming their crops on Farmville and missed the figures on your paperwork. I'm sorry to hear of your misfortune, I hope all works out well for you.
My Opinion

Junction City, KS

#75 Sep 18, 2010
It amazes me how many people complain about the amount of officers,etc that have come to the scene. However, if something happened and they weren't there, you're the same people that would be complaining about them not being there.

As a wife of a Sheriff's Deputy I wish this was over.

The guy was being evicted, not being served a notice. I wish if the news was going to report this they'd report it correctly.

He has had plenty of time to work something out, but unfortunately (now for many) it didn't work out for him. I'm tired of people thinking that they don't have to work for anything, and all they have to do bring unnecessary attention to themselves thinking that's going to fix it. He is obviously not in his right mind. And to put the blame all on the banks is pointing fingers, this guy got the loan and defaulted. They'd obviously been working with him on it because it's been a year since he went into default.

I don't see how this can end well, he is likely waiting for them to come in and do "suicide by cop".

I feel sorry for the guy, but sometimes things like this happen. You have to learn from it, move forward and hope for the best. Yes, the bank is taking his home, but he defaulted, HE locked himself in the home, HE has created this situation, no one else.
Guess who

Leawood, KS

#76 Sep 18, 2010
Wells Fargo is known for bait and switch based on the unseen.

There are a ton of unemployer loan officers. The only ones left are the ones that were dishonest enough to have promoted their illegal activity that took us down. No prosecutions though.
Olathe Mom

Olathe, KS

#77 Sep 18, 2010
Ever think that maybe he's been paying and the home owner defaulted on the loan??? In that area, rent can't be cheap.
my 2 cents

Independence, MO

#78 Sep 18, 2010
you guys all stink.
Just Sayin

Kearney, MO

#79 Sep 18, 2010
If I'm understanding Channel 9's report on this, he's still in the house, they gassed it at 7:30 last night, and they've had no contact with him. Are they going to wait for the stench of his rotting body because it kind of sounds like he's dead.
other side of the fence

Kansas City, MO

#80 Sep 18, 2010
Tiaaaaaaaa_1126 wrote:
Oh no this could not be happening in the sweet part of Overland Park were the wealthiest people live.
Tiaaaaaaa_1126. You must live in a trailer park.
seriously

Kansas City, MO

#81 Sep 18, 2010
CoolCal1924 wrote:
I'm sure the mortgage company will be paying back the tax payers of OP for the cost of this eviction. Let's publish the names of the loan officer, his boss, her boss and name of company. Tragic event of our desperate times - reflects badly on OP. All this for $175k, come on...sale-lease back, short sale, PIK-toggle bonds, etc are done when the big boys/girls get pinched. Give him in cush job at the mortgage company and garnish his wages. He's a tough guy - now faced with a very tough situation! Pray that it can end well.
Don't think I could agree more. Once upon a time I would probably not said that the banks and lending institutions of this country should be "punished" for their behavior over the last five or ten years, but I am utterly amazed how we as a country have allowed the banking/mortgage industry to get away with the predatory lending practices they embraced. I once believed if you were dumb enough to get in over your head, then you should have to face the consequences. However, I have seen too many people be sucked in and led to believe they can afford something when in reality they never had a prayer. Hopefully now that this gentleman has peacefully given up, he can get the help he most desperately needs. I, for one, am thinking about him tonight. Seeing the house after the damage it sustained yesterday and today, I feel even more for the individual(s) who now bought it earlier this year.
seriously

Kansas City, MO

#82 Sep 19, 2010
My Opinion wrote:
It amazes me how many people complain about the amount of officers,etc that have come to the scene. However, if something happened and they weren't there, you're the same people that would be complaining about them not being there.
As a wife of a Sheriff's Deputy I wish this was over.
The guy was being evicted, not being served a notice. I wish if the news was going to report this they'd report it correctly.
He has had plenty of time to work something out, but unfortunately (now for many) it didn't work out for him. I'm tired of people thinking that they don't have to work for anything, and all they have to do bring unnecessary attention to themselves thinking that's going to fix it. He is obviously not in his right mind. And to put the blame all on the banks is pointing fingers, this guy got the loan and defaulted. They'd obviously been working with him on it because it's been a year since he went into default.
I don't see how this can end well, he is likely waiting for them to come in and do "suicide by cop".
I feel sorry for the guy, but sometimes things like this happen. You have to learn from it, move forward and hope for the best. Yes, the bank is taking his home, but he defaulted, HE locked himself in the home, HE has created this situation, no one else.
First, the guy lost his job over a year ago. Second, from what I can seem to gather, and yes this is purely secondhand knowledge, he was alone and may have had no one to turn to for help, mental or otherwise. Third, I was extremely concerned for the safety of the men and women (who, coincidentally, were extremely professional, respectful and very forthcoming in giving the neighbors as much information as possible the entire time this incident was ongoing), who stood four 12 and 15 hours at a time, in horrifically hot uniforms to protect our neighborhood. I could not have asked for a more organized and thought out (perhaps it just seemed that way to me) operation. My hat goes off to everyone who participated and worked to safely get this man out of the house. My only quip over the ordeal is that he was taken out through the area where the reporters could see him, which could have been totally avoided. I do not believe he needed to suffer any more indignity or humiliation, but it is minor in the whole scheme of things.

I happen to know, and care very deeply for several police officers in jurisdictions around the metropolitan area. I understand and empathize completely with your point of view. However, we need to remember, none of us really know this poor man's situation, nor do we know what he was thinking. I am so incredibly grateful for the "favorable" outcome of the ordeal and cannot thank my lucky stars enough that no one was hurt.

At the end of the day, a man became desperate enough to think holding himself in his house was his only option. We might all think about what kind of suffering and indignity a person has to endure in order to become that despondent and take such drastic measures. I, without a doubt, pray to God, and anyone else listening that he will be able to feel some sense of peace and release from the pain he has been suffering, especially over the last two days. I hope he can sleep well tonight, wherever he might be, knowing a great many of his neighbors are thinking well wishes and have incredible sympathy and empathy for his plight, and we wish he could have had more support and consideration so he could have possibly had more options than what he believed when the deputy showed up on his doorstep.

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