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BofA also told me to call Fannie Mae to tell them what happened. My house is in CA but we leased it out because we moved out of state for work. Then you have only 2 options on a mod left, to my knowledge. One is to clear up the problem with the existing mod.

I do not know if they are doing in-house mods on loans where Fannie is the investor or not. Regarding the original mod, were you in the house at the time of the modification? If you were in the house at that time, you need to either pursue that original mod OR get familiar with the whole securitized mortgage mess and the fraud that was built into all these mortgages. The newest posts are shown in the upper-right corner. Part of the reason they do not want to modify us is that BofA would HAVE to buy back the loans they modify as per their agreements with the investors. This article really does make you aware of the predicament the lenders have cornered themselves into: This question is to the group. There are a lot of people posting that they are also finally getting their mods... I was skeptical tht my mod will be finalized by tribal lending installment loans bofa, and now, in light of this requirement to buy back loans, I will be really curious to see how long to I find out that the mod was cancelled. I was offered a step rate loan modification on July 11, 2009 from BAC Home Loans Servicing LP. We notarized, signed it and have been making the payments on time since then. They are now telling me that the investor on my loan (Fannie Mae) declined the modification and so now I owe them the past due amount or we can try for the MHA plan.

I emailed the OOP Barbara Doeser this morning, havent heard anything back yet. BofA also told me to call Fannie Mae to tell them what happened. My house is in CA but we leased it out because we moved out of state for work. Yes, I already joined the class action lawsuit last week when the bank first cheapest payday loan told me I was declined for ALL mods. Part of the reason they do not want to modify us is that BofA would HAVE to buy back the loans they modify as per their agreements with the investors.

This cheapest payday loan article really does make you aware of the predicament the lenders have cornered themselves into: I am in the Central Valley. The nearest lawyer who gets it is 2 hours away from me. I know more about it than all the attorneys in my immediate area.

None of them seem to understand the ramifications of these personal loan lowest interest rate securitized loans, let alone how to defend these cases. Yes, I am well aware of MERS and the other pretender lenders and am hoping to challenge their standing in BK court. I am gathering as much information before I get served another NOD.

I was served with one a year ago, naming MERS as nominee, that has since then expired. The cheapest payday loan more digruntled homeowners (and investors) in litigation, the more money da man will spend defending themselves. I have already come to terms with the fact that I will more than likely lose my home, however, I am legally entitled to challenge the pretender lenders standing and their right to enforce a foreclosure. I want the courts to i need cash today understand that although they might not think I am entitled to a home free and clear, neither are these servicers who have not invested any money, were never at risk, and have not suffered a loss. I am not opposed to forfeiting my home to the real party of interest.

I just feel that I am entitled to proof as to who that real party of interest is and what I owe them, if anything. I have already come to terms with the fact that I will more than likely lose my home, however, I cheapest payday loan am legally entitled to challenge the pretender lenders standing and their right to enforce a foreclosure. I want the courts to understand that although they might not think I am entitled to a home free and clear, neither are these servicers who have not invested any money, were never at risk, and have not suffered a loss. I am not opposed to forfeiting my home to the real party of interest. I just feel that I am entitled to proof as to who that real party of interest is and what I owe them, if anything.

Not only were they never at risk, some of our loans have been paid for twice-over and more and the pretender-lenders are then UNJUSTLY ENRICHING themselves with UNCLEAN HANDS while the courts do nothing. Please lodge your complaint or inquiry with the California AGs office.

Ask what they are doing, if anything, in regards to all the illegal foreclosures taking interest rate personal loan place in our state of California. Demand that the rights of Californians be protected by cheapest payday loan law. These pretender lenders are in no way damaged by our defaults and therefore are not entitled to foreclose on your home. They do not, contrary to what they claim, have legal standing to foreclose on your home, in most instances. I received my last set of papers to be signed and notorized in May of the year.

Was told to ask friends and family and churches in my community for help. I received my last set of papers to be signed and notorized in May of the year. Was told to ask friends and family and churches in my community for help. They are asking us to borrow against our 401k to save our home. Nor would I lean on family and church to bail me out of a situation that the banks themselves created. They created this crisis, they should be the ones offering us a hand. After 3 years of sleepless nights, ulcers, stress, and lots of xanax my husband and I have decided to give up the fight.


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Even though we were inside a chapter 13 and were promised in writing from B of A that we could get a new loan on a fixed rate after 12 timely payments through our bankruptcy we were denied.

Everything I was told was an out right lie and they always had new rules each time I called them. NO ONE and I repeat NO ONE every called us from B of A to help us. Finally we filed a chapter 7 and agreed to let them have the home.

We have been in our home for over a year without payments.

Still no one has called or even long term loans for bad credit direct lenders attempted to ask us to leave. All the money that would have gone to our house payment I am putting in savings because in 1 more year I can buy a new home and get a new mortgage and I GUARANTEE IT WILL NOT BE WITH BANK OF AMERICA EVEN safe online loans THOUGH THEY HAVE APPROVED FOR A LOAN. I am so sorry all of you are going through what we did. What ever happens just know you tried and did everything you could. If anyone decides to file a lawsuit I will be the first one in line. God Bless Bank of America Admits Some Foreclosure Mistakes!!

The Obama administration maintains there is no need to halt foreclosures in all 50 states. Attorneys general from every state are investigating improper foreclosure filings. The Securities and Exchange Commission, the FBI, the Federal Reserve and others are looking into the matter Currently, Jeremy Jones, the Manager of the Office of the CEO has our file under review, For 4 weeks now, he said he would call me and never did. One in eight mortgages in the United State is currently in foreclosure or default We too started with a Countrywide mortgage, which became Bank of America after we initiated our MHA application on April 8, 2009. I do not know what an AG Modification is however, I read this entire entry, and highlighted every similarity in unethical and illegal practices of which we are still victims, still battling Bank of Americal to get our MHA modification approved, while suffering daily anxiety with the knowledge that we are in active foreclosure with no sale date yet, but could be set at any time. We did not easy payday loan online reach the point of receiving final modified loan documents, but for two years, I have endured a nightmare of never ending obstacles A rollercoaster of raised then dashed hopes. I have been stuck in the MHA modification process, enduring delays, approvals, denials, appeals, approvals, denials, appeals, escalations, etc.... Countrywide NEVER provides a copy of the verbally-provided application information for you to verify THEIR entries of YOUR information. I asked for contractual documents for our trial period, only to be told they would come along later.

When I asked for a breakdown of the payment (need emergency loan was it principal and interest only? There must be guidelines and protocol the lenders must follow, cheapest payday loan and borrowers must meet! Once those are verified and satisfied, it should be guaranteed! After approved and actively making trial payments, we were denied three times once with no reason given and twice for lack of documentation. We made cheapest payday loan 11 months of false payments, and had repeatedly requested contractual documentation of our trial payment. We were given many verbal assurances that everything was fine. The verbal application should then have been transcribed into a final application that the borrower could update or correct and then sign and included in the final package, as is done for an original mortgage application. AGAIN NO SUCH EFFORT WAS MADE TO THOUSANDS OF BORROWERS WHO CW ENCOURAGED TO APPLY FOR THIS MODIFICATION CONTRACT. Countrywide told me they would not even consider us for modification because we were current. They required a loan to be at least two payments in arrears to be considered for modification. After selling what few assets we could, we did finally lose the ability to keep up with our payments. Our bank FORCED US INTO ARREARS AND DAMAGED OUR CREDIT!!

I am exhausted adversely affected physically, mentally, and emotionally by two years of worry, stress, pressure, frustration, and anxiety.

This has spilled over into my vocational and social settings, and personal life. My sleep is disturbed, often laying awake at nights crying at the thought of losing the home my children were born in and grew up in. I am looking for a civil suit against Bank of America to join. If anyone has any leads on how to start the process, and at what level (state? Yes, I can attest to lenders, in my case Bank of America, refusing to sign our trial package, nor would they provide any details about the trial period protocol or an explanation to where the trial payment was applied.

Plus, they have been adding late charges to our account for these two years, which, I understand, is prohibited while under review for modification.

I too have been living the same hell you have been for the last 2 years for in Colorado. You got to be late to get a mod, we put you on a forebearance.. I have records of my dates and times that I have talked to BOA about my 1st and 2nd mortgages, copies of all submitted documents and the precious email that the 2nd mortgage Neg sent me about her conversation about my 1st mortgage with the underwriter.