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This loan does have a Funding Fee however no private mortgage insurance, very competitive interest rates and very flexible requirements. The spouse of a service member who was killed in the line of duty is also eligible.

In most cases almost all active duty or honorably discharged members are eligible for a VA purchase or streamline refinance program. With this change the value can now be determined by a Conventional Appraisal or with an AVM that is ordered by our appraisal management company. If you are looking into a VA Streamline Refinance (IRRRL) I would be happy to review your file to determine your eligibility. 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 had no idea what was going on, and had not had any contact with WaMu. I called and was informed that my now exwife had not been making payments.

I sent all the payments on time, just as agreed, Jan. I was asked in July 2005 to make a second double payment, and then one more in Aug. I made the payments, and was told that the loan was again current, and I would begin sending my payments, at the original amount, to the normal WaMu get fast cash now payment center. My payments have always been on time since that time, and my loan has always been reported as current. I have asked numerous times for an adjustment to my interest rate, but was always denied. I began paying extra on the loan over a year ago to try to pay down the principal.

I then noticed that instead of it going get fast cash now to principal, it was going to corporate advance. I called and questioned that, and was told that I still owed fees. I explained that those fees had been paid in full (5 years before Chase was in the picture), and requested a payment history. They sent me a payment history, showing no payments for 2004, 2005, and 2006. I then received a letter showing what I would have paid, but not an actual history. I then called again, last week, and explained the entire situation again.

It shows fees being assessed in 2004, but still no payment history.

Also, in the letter they sent me, they are threatening me to pay the fees in full, and to contact the collection department! They are also saying that fees that I paid in 2005, and the extra that I have sent the last year and a half, were reversed from fees, and placed in unapplied funds. How much does this bank have to steal from someone? In order to get the full information that you are requesting, you need to send a formal QWR and not ask for this information over the phone. In that letter demand your Life of Loan History, Copy of Note, Deed of Trust, Riders, all Assignments of the Deed of Trust, TIL, Right of Rescission (if refi), Lender Final HUD-1, Copy of Initial Loan installment payday loans direct lender Application and Final Lender Loan Application, all Disclosures and all Loan Documents in your file, Copy of Appraisal.


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The following is a sample qualified written request from you, the borrower, to a lender. Use this format to address complaints under the Real Estate Settlement Procedures Act (RESPA). Be sure to read more about RESPA, and your rights under this Act, elsewhere I understand that under Section 6 of RESPA you are required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days. REMEMBER: This letter SHOULD NOT be included with your mortgage payment, but should be sent separately to the customer service address. See the You can also file a complaint with the government agency that regulates the servicing agent. Here are web sites you can use to contact these agencies: 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 bad credit personal loans florida 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.

Here is just another example of how the banks are scamming the American people and are just allowed to do it because there is no regulation, concern, or commitment to the citizens of this country. In the beginning of 2011, we went on a payment plan with Citi for a credit card that we were having difficulty in cash advance charlotte nc meeting payments because of unemployment. We had the payments withdrawn directly from our checking account and never missed a payment.

They continue to call numerous times a day and as far as I am concerned this is fraud and harassment.

I reported them to the Credit Bureau, Better Business Bureau and other agencies. Beware of any payment plans Citibank offers - they are full of crap! I had an auto loan that was transferred to Citibank. My loan was paid in advance and current when they received it.

I had previous statements to prove that fact and it didnt help. They claimed get fast cash now get fast cash now I had spuratic missing payments in random months going back 3 years on my loan. I gave them copies of my bank statements and went all the way back to the day I purchased the car to try and straighten out my account and could not get anywhere with them. I had about a year left on my loan and had not received credit for five payments.

I spoke with a supervisor who told me that she received the copies of my bank statements showing the missing payments and she was not able to give me credit for them. She said that when a payment is missing they have to track it down in order to credit it to the right account. If the payment was applied to the wrong account they remove it and credit it to the right place. She said if they received my payment and were unable to match it to an account, they would post my payment into a suspense account until it was claimed.

If I gave them proof a payment was made and not credited to my account, they would need to locate it in order to give me credit for it. If there were no payments that belonged to me in their suspense account when I reported them missing then they could not help me or provide credit for them. I prove they received my payment and they cannot locate where they posted the money so they are not going to give me credit for it. I reported this problem to everyone who would listen including the Attorney General by submitting a complaint through their website and no one could help me. They started sending people out to reposess my car over these missing get fast cash now payments that I did now owe and that scared me so I had my employer advance me the money to pay off the whole loan in advance.

I expected them to credit the payment and refund the overage once the account was paid and closed.

I waited three months and never received my pink slip so I started calling and writing.

My payment was received and applied, I over paid the amount due and a refund should be issued shortly for the overpayment and will be sent with my title. Six months after I paid off the account they sent someone to reposess my car again.

I refused to give it to him and locked it in the garage claiming my loan was paid in full.

No one at their office had a clue on what was going on with my account. I kept receiving monthly statements that showed my over payment and a credit balance on my account for about 8 months. They reversed the amount get fast cash now I paid 8 months after it was received and credited. Instead of reversing it as a single large payment, They broke it into monthly payments and subtracted it one by one (all on the same date 8 months later). Then they added 13 late payment fees for each month now missing a payment going backwards (again all on the same date). So why did they reverse my payment that paid off my account?

A person in their fraud department said that the name on the bank account where the payment came from did not match my name on my auto loan account with them. Because the names did not match, they were not sure if the payment was correct so they claim they called my Employers office to verify it and they were not able to. They wanted to verify that the payment was posted to the right account, but they were not able to talk to them about my account because my employer is not on my account and there are privacy laws that prevent them from sharing information.

So they called to verify the payment, but could not speak with them because they were not me so they could not give me credit for the payment that was applied almost a year ago. They backed off a payment that was credited for almost a year. I asked them and they said they could not tell me because my name is not on the check and their are privacy laws that prevent them from discussing personal information with me when I am not listed on that account. They have no responsibility to protect my employer when he does not have an account with them right?

She told me she could not tell me where she refunded my payment to.

They sent my file to their legal department for reposession and my balance continued need cash bad credit to grow.

The debt was on my credit report until I sent a copy of the last payment made on the account to the bureau. I am left with a car that has a leinholder on the title that will never sign off on the car. They stopped looking for it and eventually lost my file. Now they tell me that I never had an account with them cause there is no file. At the same time, they will not sign off on my title or release the lein.

They tell me that their company online loans in texas should not be on my title because I never had a loan with them. I had an auto loan that was transferred to Citibank. My loan was paid in advance and current when they received it. I had previous statements to prove that fact and it didnt help.

They claimed I had spuratic missing payments in random months going back 3 years on my loan. I gave them copies of my bank statements and went all the way back to the day I purchased the car to try and straighten out my account and could not get anywhere with them.

I had about a year left on my loan get fast cash now and had not received credit for five payments.

I spoke with a supervisor who told quick pay day loans me that she received the copies of my bank statements showing the missing payments and she was not able to give me credit for them. She said that when a payment is missing they have to track it down in order to credit it to the right account. If the payment was applied to the wrong account they remove it and credit it to the right place. She said if they received my payment and were unable to match it to an account, fast cash now they would post my payment into a suspense account until it was claimed. If I gave them proof a payment was made and not credited to my account, they would need to locate it in order to give me credit for it.