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Received a permanent modification by mail from Bank of America in June 2013. I signed, notorized and then sent it back to them by federal express. Have been making all my payments since that time then last week they informed me that it was sent in error and that the modification should have never been sent out. It looks like they never got investor approval and sent it out prematurely. I went ahead and called investor who is Amalgamated Bank and they informed me that they did approve me for a modification but it was not the one I received.

Bank of America has admitted to the error and the supervisor wants me to re-apply again from scratch. A new representative will be assigned in a couple of days and I have to go through this modification process again. I was wondering if there are any other resources or legal routes to go instead of starting again. I went ahead and called investor who is loan online Amalgamated Bank and they informed me that they did approve me for a modification but it was not the one I received. Bank of America has admitted to the error and the supervisor wants me to re-apply again from scratch. A new representative will be assigned in a couple of days and I have to go through this modification process again. I was wondering if there are any other resources or legal routes to go instead of starting again. The very first thing I would do is file a complaint against BofA for stringing you along and requiring you to make payments on a phony agreement.. Did you happen to receive the permanent modification documents after completing the 3-month trial period? The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of online loans installment loans for poor credit direct lenders no credit check instant approval providing legal advice. Most of the cheap quick loans information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the no faxing payday loans firm or any individual attorney. There was no trial plan and just a permanent modification was mailed to me by Bank of America. The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing cheap quick loans legal advice.


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Most of the information you find here is easily available on the internet.

You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not cheap quick loans reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Get free mortgage help today. Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. The MOD papers I signed were lost in a fire, and BOA does not have my MOD papers available online. I have requested them, but after learning more about GT, real online payday loans am worried.... Now that my loan is being transferred to Greentree Servicing can they increase my interest rate? I know that paperwork says the rate can be increased up to a certain percent after so many years. I just am at a point where I can start investing money back in the house by fixing up what needed to be fix and I am concerned my payment will increase. Green Tree bought the loan with the modification of the note in place, so I am sure they cannot attempt to change the rate. Now many modifications start out at a very low rate for 5 years then reset, so you need to know for sure what the note actually states to be certain. Just another way to make the balance sheets look good. Meanwhile their website clearly shows my escrow and principal just like it was with BOA. Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages.

The comments by me and the materials available at this web site are for ez cash payday fast cash advance loans informational purposes only and not for the purpose of providing legal advice.

Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. I tried this, never got a response back, but finally after three weeks, CW finally got the appraisal ordered.

We moved from our home due to family problems, relocated, was paying two house payments til I could pay no more! Been working with CW since Dec 2007 on a shortsale. I am now three months behind on mortgage payments, waiting to see if CW will accept the current offer. My negotiator is Dana Reyes, anyone worked with this person before? Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. The Department of Justice today filed its largest residential fair lending settlement in history to resolve allegations that Countrywide Financial Corporation and its subsidiaries engaged in a widespread pattern or practice of discrimination against qualified African-American and Hispanic borrowers in their mortgage lending from 2004 through 2008. The settlement, which is subject to court approval, was filed today in the U. The United States also alleges that Countrywide discriminated by steering thousands of African-American and Hispanic borrowers into subprime mortgages when non-Hispanic white borrowers with similar credit profiles received prime loans.

This subjective and unguided pricing discretion resulted in African American and Hispanic borrowers paying more. The complaint further alleges that Countrywide was aware the fees and interest rates it was charging discriminated against African-American and Hispanic borrowers, but failed to impose meaningful limits or guidelines to stop it. Perez, Assistant Attorney General for the Civil Rights Division.

The cheap quick loans comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. The department will make a public announcement and post contact information on its website once an administrator is chosen. Borrowers who are eligible for compensation from the settlement will then be contacted by the administrator. Individuals who believe that they may have been victims of lending discrimination by Countrywide and have questions about the settlement may email the department at The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice.

Most of the information you find here is easily available on the internet.

You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney.

Please Read our Privacy Policy and Legal Disclaimer Get free mortgage help today. Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. They just pulled a fast one that I have not read mentioned anywhere yet, so I figured it was time to say HI and join the discussion and see if anyone had any ideas or help they could offer. I tried to condense as much as I could while keeping context. I have the original documents scanned in pdf format if anyone trying to help needs the full document, minus the personal info that is. The loan was originally a CW loan that was taken over by BofA. Several years ago, while current on the mortgage and with good credit we saw a temporary disaster on the horizon. Our financial cushion was used up after a work related injury. A medical necessity requiring surgery with a couple of months off work. Short term disability insurance was supposed to cover most lost income. The insurance company for the STD was only paying half what they said they would. We called BofA right away to let them know we have a problem looming and ask for help. They treat us badly like we are looking for some kind of hand out at a 5 star restaurant. We try a couple of more times and finally get someone that is willing to explain our options. We all decided that a modification is the best option. Gather and notarize all the many required documents, and send them all in. About a month later we are told our modification was approved and our next payment will be due in a couple of months. We should receive some documents in a couple of months, as they were swamped.