Examples Of Hardship Letter To Wells Fargo

Hardship Letter

In 2009 my mother became ill due to dementia and her illness progressed rapidly. Due to the nature of the disease I had to employ professional caregivers which became a strain on me financially.
In April of 2010 I was involved in an accident at work, where I severely damaged my knee and was put on workers compensation which is 60% of my salary not including overtime.

I contacted Wells Fargo to discuss my situation and asked about restructuring my mortgage as I was already depleting my savings caring for my ailing mother. They told me I would have to miss three payments or more before they would consider helping me. I didn't want to do that because I didn't want to destroy my credit.
I was instructed by Wells Fargo to put in a two separate claims for the disability insurance that I purchased through Wells Fargo at $49 dollars a month. A significant amount of my pay used to qualify for my loan was overtime. The Wells fargo insurance was to supplement my income incase I got injured and could not work.
There was no reason to insure her income because she was retired. The policy was only for work related accidents for me due to the nature of my position.

I contacted the attorney general in Mass. this is a long process Wells Fago refused to give information on said policy instead they us information on two other insurance policies I did not authorize nor was not aware I was paying for. In the interim my mother became gravely ill and my brother my only living sibling was diagnosed with a terminal illness and was limited in any help he could