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Today, my negotiator and I attempt to contact the bank again to be told NACA has my file. There are great success stories here and many stories so similar to mine. I want so badly to join in the ranks of success stories. It looks like it has been some time since there was a post on this NACA Forum. That may be evidence that NACA is not the Save the Dream organization it claims to be.

I went to an event in California and was told by Wells Fargo I had been given a modification and the terms were given to me. In the month that followed I realized it was all a lie. I got an email from NACA (boilerplate) telling me my request was denied and that despite agreements, NACA cannot force, just as the President of the United States cannot force the banks to cooperate. If you go to NACA events I suggest you take an attorney, food, a tape recorder and order video cam!!!

I challenge NACA to provide the data to support that and also call upon NACA to explain the profit they make from each modified mortgage and where that money goes. In their form letter to me they suggested I advocate free cash online for myself (Gee, thanks) and told me I should think about attending one of their events (Which I had already done). They also encouraged me to submit a copy of my mortgage statement which I free cash online had faxed to them long before. I hope I can get some info that will help me complete this very stressful plight! I have been told to give up on NACA many times, but I was hopeful that my decision to stay connected, has not been in vain. I have not been sitting around waiting, I have been busy calling, writing, emails sent to every person, or entity that can advocate for me to keep my home thru a Loan Modification. I posted my plight under the post re Loan Modifications. I had another counseling session with NACA and they could still not obtain my credit report.

I called experian and they said I had to wait 72 hours for them to get some other social security numbers and then NACA can pull the report. I want to know after this will NACA be able to contact my servicer regarding Loan modification. THANK YOU I started my file with NACA on Feb 27 2013. They cannot proceed because everytime NACA tries instant payday loans no upfront fees to pull my credit from experian they cannot get it. I called them twie and they free cash online say to wait 2 hours and try again.


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If anyone can help me with this situation so I can have my application moved on to mortgage company I would welcome the help. 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. I have been trying to get a Mod from the evil Chase bank for 22 months. There is an event in Sacramento CA going on right now. Though this is long, it is only a portion of the story. It was such an loooong process, but people all around me were getting results. Once finally getting to the B of A lender and after he had gotten up and sought out managers three different times, the only thing he could do for me was send my information on to NACA advisors for further review. I have an incredibly long story like so many people.

The shortest version being in 2008 I built my home of my dreams on land, 2 acres, I had inherited from my deceased father.

After a year of construction, I converted a one-time fix construction loan to a mortgage. Options the bank had offered at the beginning of construction were no longer offered when I went to convert. I was set on a 30 year fix and did not want any of the ARM loans that were being written and that is exactly what I ended up with.

Sadly, in the zillions free cash online of papers I signed, the bank covered their self and in the end, I had to sign for this loan or end up in a penalty phase and serious fees were going to be leveled against me. One month before my first mortgage payment was due, I had contacted a negotiator to attempt to help me contact the bank because I was getting no 5000 dollar loan place on my own. I have a file four inches thick of paperwork and communication with the bank. I have been in foreclosure for four months and avoided a sale three times so far. I have paid full free cash online payments, no payments, half payments, and doubles to catch up all on the advice of the latest clerk I happened to get in contact with at the bank. I at one time payday loan in california qualified for some form of modification where they accepted partial pays only to have been kicked out of that program for a payment that they say I sent in late. To be told after that, sorry I simply just did not qualify. I think I read somewhere on this thread that one man was willing to piddle on a spark plug if that would get his mortgage modified.

I have three children and this home sits on land that has been in my family since my Dad was 17 years old. Now that the NACA event has ended, I am having great difficulty getting in touch with anyone with the numbers given. Tuesday of last week, a negotiator trying to help me was told by B of A that NACA had my file and they could not speak to him. Last night out of pure frustration, I sat down to search Bruce Marks and in the process find this forum on loansafe. Today, my negotiator and I attempt to contact the bank same day online payday loans again to be told NACA has my file. There are great success stories here and many stories so similar to mine. I want so badly to join in the ranks of success stories. It looks like it has been some time since there was a post on this NACA Forum. That may be evidence that NACA is not the Save the Dream organization it claims to be. I went to an event in California and was told by Wells Fargo I had been given a modification and the terms were given to me. In the month that followed I realized it was all a lie. I got an email from NACA (boilerplate) telling me my request was denied and that despite agreements, NACA cannot force, just as the President of the United States cannot force the banks to cooperate. If you go to NACA events I suggest you take an attorney, food, a tape recorder and order video cam!!!

I challenge NACA to provide the data to fixed rate loan support that and also call upon NACA to explain the profit they make from each modified mortgage and where that money goes. In their form letter to me they suggested I advocate for myself (Gee, thanks) and told me I should think about attending one of their events (Which I had already done).

They also encouraged me to submit a copy of my mortgage statement which I had faxed to them long before. I hope I can get some info that will help me complete this very stressful plight! I have been told to give up on NACA many times, but I was hopeful that my decision to stay connected, has not been in vain.

I have not been sitting around waiting, I have been busy calling, writing, emails sent to every person, or entity that can advocate for me to keep my home thru a free cash online Loan Modification. I posted my plight under the post re Loan Modifications. I had another counseling session with NACA and they could still not obtain my credit report.


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I called experian and they said pesonal loans I had to wait 72 hours for them to get some other social security numbers and then NACA can pull the report. I want to know after this will NACA be able to contact my servicer regarding Loan modification. THANK YOU I started my file with NACA on Feb 27 2013. They cannot proceed because everytime NACA tries to pull my credit from experian they cannot get it. I called them twie and they say to wait 2 hours and try again. If anyone can help me with this situation so I can have my application moved on to mortgage company I would welcome the help. 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. Many people mistakenly assume that the servicer has an unlimited ability to change the terms of the mortgage. There is a limit to how many times a mortgage can be modified, as well as a limit to how much or how little easy loan of your income they can use for a mortgage payment, a maximum amount they can reduce the interest, a limit to how long the term can be extended and so on. Seeking legal counsel (which you obviously did) would have been what NACA would have advised at that point. We truly regret that we were not able to do more for you. In the end, i still have my home and they will have to accept my payments through the courts. Hi, i have a problem logging in to naca web file, earlyer this month i clicked on the home save tab and started filling out all the info.. So then i went to the option that will retrieve my password if i enter id and email and the email sent read this: i tryd calling naca but after 5 minutes of waiting to talk to a representitive the recording told me they were helping other people and to call back later, any help would be greatly appreciated, thanks Welcome and thanks for joining the forum. I would suggest posting your own thread in our NACA section and hopefully a rep from NACA can assist you with any problems you are enduring.