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Mind you, not at any point in time was I EVER told there was a deadline to fast cash no credit check where this elusive paperwork had to be received by the Loss Mitigation department. I never even received any notification via USPS requesting me of this information. I explained to her that I had been given the runaround from every person with whom I had spoken at Loss Mitigation.

I informed her of the news I received earlier that morning, and she proceeded to tell me that I had been kicked out of Loss Mitigation because of missing paperwork. For the first time, Kelly was able to search my account and LO AND BEHOLD, because I had gotten a new job, she told me I needed to VERBALLY tell someone at Loss Mitigation.

Again, I was flabbergasted, simply because I had, in fact, informed every single CSR at Loss MItigation with whom I have spoken since I got employed in JULY that I had gotten a new job. Every time, they request me to send in my employer earnings report. Kelly (a supervisor , from what I was told) informed me that because I got a new job, I needed to update my financial information with a person Verbally. So, as of September 8, 2010, my information has been received by the Loss MItigation department and your computer systems should have our most updated information to proceed with our loan modification. I call the i need money asap Loss Mitigation department to check on the status of my loan. I call once more to the Loss Mitigation department to check on the status of my loan. Despite the fact the young woman with whom I spoke on Wednesday evening told me I should call in a week, I called 2 days later instead. Friday evening, I sent a somewhat curt, but proper message for Mr. Hancock on my way home from work, informing him of my distaste in the way he conducts business, and have informed him that I feel as though I i need money asap am getting the runaround from him.

Informs my husband and me that we were not approved for the HAMP program. While I know I have had multiple conversations with the CSRs and Supervisors at Wells Fargo during the past 9 days, my husband about has a heart attack and says a letter is more evidence than multiple phone calls to random representatives, regardless of what they tell you. Spoke with Sierra at a Wisconsin-based Wells Fargo office with loans today regard to my account.

Had actually missed the call from the particular number 612-312-8585 earlier Friday.

Apparently someone from that office had called us with regard to the status of our account. I had to explain to Sierra the whole situation that had gone awry thus far, and she suggested I call back on Wednesday to see if any progress has been made.

At this point, I feel as though I am being given the runaround. The letter we received Friday evening was icing on the cake. It states that a Notice which listed the specific documents we needed and the time frame required to provide them was sent to you more than 30 days ago THIS IS NOT TRUE. We never received any formal letter asking me for any documentation. Every piece of documentation sent to you was per the request of an actual representative of Wells Fargo, via the telephone. It may be easy for you because you more than likely own multiple homes, with no payment whatsoever. But I would think that at some point in time, you were an average person, wishing web loan to live a happy life, have a home, have a family. You may be rich now, but you were young at one point, and I am sure at some point you struggled.

If the economy was not the way it is, we would not be in this predicament. Please keep in mind, we never at any point in time went into default. We made a preemptive move and contacted the loss mitigation department before all of our savings ran out. We wish to figure out what is to happen with our home loan. While I realize you personally may not look at our documentation, I would request that you escalate this issue to someone other than Mr. Antwone Hancock (who really needs to be reprimanded on his poor customer service skills). We feel we are hanging by thin threads at this point, never reaching any positive conclusion. You need to read every post in this entire thread, and read every post I have written. I give detailed advice multiple times on how to take care of issues with the servicer denying a mod best loans for an invalid reason. 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 i need money asap 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 am going to call the HOPE hotline Monday -- i need money asap I called Saturday evening, but nobody was available to take my call. I brought down some of my existing payments, no longer have internet, cable, etc... We buy in bulk at Costco now, so grocery store trips are not as prevalent. Last night, I sent yet another email to a number of WFHM executives explaining my plight.

Hopefully I will get some sort of response, as this is getting extremely ridiculous.


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I will ask them if they will do an in-house mod or a HAMP backup mod. Before you can challenge a denial, you need to get the reason. It is entirely possible that the denial was completely valid, and you need to start making decisions based on that. Once you get a reason for a denial, you need to be able to figure out if it is valid or not. This involves a lot of research, and some basic math skills. If you are not proactive, and persistent, you can easily lose your home, and you will blame the bank, instead of realizing it is your own fault for being uninformed.

You need to know what the guidelines i need money asap are for HAMP, and what you qualify for under the program, or if you qualify at all. You need to learn the HAMP handbook frontwards and backwards almost to be able to tell them why you should payday loans get loan places the mod. If they claim to have sent a notice you never received, you need to challenge the denial based on that alone. Failing to provide all the documentation could permanently disqualify you if i need money asap you let it go. Expenses have almost nothing to do with a HAMP mod. 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 I have received a final Modification with Chase. Today I called to see if they received the bank info for an automatic withdrawal from my account.

Suntrust tells me they have never heard of the 2mp program. Our home is underwater and I want to have the 2nd extinguished. We are i need money asap now stuck with this payment because our credit is damaged and we cannot refinance. Maybe they will just make up an excuse to deny your modification after you make another 3,4,5 or more payments.

I will easy online payday loans direct lenders be calling Chase on Monday to see what the actual payment is supposed to be. Also why I need to send the payment by cashiers check when I signed up for auto withdrawal from my account. I have been dealing with these people for over 2 years now. I got absolutely no where until I emailed the Executive office of Jamie Dimon. About 2 days after my email I was contacted by Jody Swenkel from the Executive office who assigned someone to my case. This is the only way to get anything done with these people.


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Now I need to get rid of my 2nd Mortgage with Suntrust. From what I hear on this blog they are worse to deal with than Chase.

First time I got a generic denial letter stating missing docs. I had to call to find out what they were asking for. Turned out I had a lien (in 15 months no one at EMC ever brought to my attention), they wanted a letter of satisfaction. This time it says failed to sucessfully complete trial mod period. Again I had to call to find out the meaning in the generic letter. I was told my wifes pay stubs were unnaceptable as income proof. I submit copies of cancelled checks going back 3 months as well as a letter from her employer. Yesterday i got a phone call from EMC stating my mod was denied again. This time they say the dollar amount they would have to put to the back end of the loan is unnaceptable and they wont do it. This has been a brutal process filled with lies and misleading statements from EMC. I provided every doc they asked for as soon as they asked for it.

Now they say being in the trial plan is no guarentee. 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.

When you make reduced trial payments, you still owe the difference. After the official 3 or 4 month trial is over, they can start the foreclosure process, and you are already behind by the difference between your trial payments and what your regular payments would have been. Each month you make trial payments, you are further behind.

They will tell you to keep making trilapayments, all the time proceeding with the foreclosure process until the difference in your payments adds up to an amount equal to being 90 days late.

Just the fact that you got the notice confirms that they did not approve you for HAMP. I had to juggle all my bills, and eat the cheapest food I could find, and not spend a single unnecessary penny , and recycle aluminum cans for about 4 months to get caught up enough to avoid foreclosure.

I am still about 50 days behind, but that is enough to stop the foreclosure from getting any further. 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.