In need of money

Use whatever name works to mentally hold their actions for yourself. Many of us at this stage have experienced so many lies, changes of our loan numbers, and titles of who supposedly could have the right to enforce the note, that we are dealing with lowlife worms.

On Bagels, wandarobo suggested the book Bad Paper: Chasing Debt from Wall Street to the Underworld, by Jake Halpern.

It is not as dense a read as many, regarding the foreclosure crisis, but it puts in perspective the degree of selling and purchasing bad debt.

Right now, many of us are just caught in the bad paper game, and it has no relation whatsoever with our homes, deeds of trust, or the legal title to the property.

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. Please contact me if you have a denial of a loan mod or received a loan mod you cannot afford, or you have been denied the last 12 months for any kind of housing loan and feel you were mistreated in any way during the process. Based on the information you provide and can document the last 12 months, you may get a new loan you can payday loan no credit checks afford to repay through the Fair Housing Act without having to sue your servicer or go through the application process all over again. Any attorneys fees paid or third party fees paid in trying to keep your home through applying for a loan modification may be recovered through an Administrative review through HUD without involving the court nor the servicer. 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 in need of money from their underwater mortgages. 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. Hi Caldwellb02, I sent my QWR to Chase on Monday and also email to David Lowman and Freddic Mac at the same time. Also - They never responded to the Debt Validation Notice that I sent certified. Each has a slightly different twist, but the results seem to be the same. My situation is different, for I am current on all my payments.

Last year, I submitted a loan modification application to WAMU, for I was curious as to what modifications were available. Well, this is not a loan modification, and I was irate. The documents sent to me stated, that in order for me to receive this forebearance, I had to sign for it and return the agreement. Since I was dissatisfied with the offer, I tore it up. In any case, WAMU gave it to me anyway without my consent.

Of course, I continued cash advance bad credit to make regular, timely payments. In addition, I stopped receiving monthly mortgage statements. So I, my local branch manager and customer rep, called numerous times to straighten things out.

It took me instant text loans no credit check months to fix my credit report and deny the desire to modify my loan. I have called numerous times they give unbelievable excuses--at the same time, they claim I have been returned to normal servicing. So, every month I trek to Chase to pay my mortgage in person. I have to keep a note with the mortgage amount in the inbox so I remember. And I have to go online every month to check the transaction. I believe that Chase has breached the Notice Clause in the mortgage agreement.

This is my first post and all I can say is My thoughts exactly! Putting you case together should be no biggie correct? What sort of outcome are we looking at after winning the guaranteed approval personal loans case? Also - They never responded to the Debt Validation Notice that I sent certified. Modification has secure online loans been closed several times for no apparent reason.

I think it is highly unlikely I will receive any additional response. Funny - they could easily be sued (as per an attorney that went over everything that is documented) - Chase does not care - it is corporate greed pertaining to all the banks. I will fight also as I believe we were defrauded into thinking we were qualified for a loan mod and it ended up being a forebearance... Had the audacity to believe they would want a good customer to stay in a property that never had a missed payment in 14 years.

We also were not behind when they said we were approved for trial... Same thing with us - last night I was reading over papers from the beginning - from Ms. Louiznos WAMU- three month forebearance - if we paid as agreed THEN we would be put on a modification program - I keep everything - (she called me July 09 and told me) then the paperwork received from her stated the same.


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It also stated that if we paid as agreed - no foreclosure would commence.

GEE - did someone forget that at CHASE - Been here since 1983 - always paid- Wa Mu said we could not even apply for a modification until we were at least 30 days late - due to the issues with working for the State of California - we decided to become 30 days late - AND we only wanted to modify the 2nd because of the high interest - told we had to modify the first and the 2nd at the same time. NOW we are in modification hell - by the way the number for Louiznos was disconnected in August - because I tried to call her. Her letter to us was that she was our rep and would be working and following the whole process.

I would sure love to find terminated WaMu employees who would talk to me. I finally asked if i was ever qualified for a HAMP loan. Now they are telling me that i may qualify and they supposidly just started this program. I was told by Hud that they have had this program for a long time now, hmmmmmmmmmmmmmmm Spoke to a realtor yesterday. Explained the whole thing with low income payday loans Chase, what they said. In other words, short and sweet, they want my house. It still has a little equity and makes it very attractive to them. When I called to see if it had been received (i sent cert. When I called to see if it had been received (i sent cert. I was about to write one, but after reading this thread I realize I should not in need of money be writing to chase.

Our certified letter will cost us money and is useless. If they would ahve accepted partial payments I could ahve conti ued paying on my loan. I attempted mny times to walkin and make payment son my home loan but was told due to the fact that I am in the loan moficiation program I was not allowed to make the payments. They put me in foreclosure, I originally hired Plum Inverstments before all the loan mod issues came about. They handed me to Green Credit Solutions in orange Co.

Then they dissappeared and resurfaced as they moved their offices. Green Credit went under then resurfaced again as another name and were continueing with my loan mod.

Then Arnold passed the bill about not being taken by loan mod companies and they closed their doors. I went back to Plum and they again started the loan mod all over again. Again I provided all the neccesaary paperwork and to no avail. After months of going back and forth with them and no responses from their offices call after call I was getting calls from Chase asking for more information.

Chase was stating everyday all was well, my modification was going through everything was fine up until last week. I was told I was waiting for my terms and reduced payments and everything looked really good since I had income. Yes we are behind in payments due to a hardship but I have income coming in and a promising new career in the medical industry if they will jsut modify my loan so I can start making payments. After months of back and forth from Chase being lied to, a different story from each representative, no one knowing what is going on in their company and blank genreric letters which do not contain a consistent name or contact to deal with I am so frustrated. I found a letter they sent me stating I had refused their offer and had decided to no longer continue with my options and so theys ent me to foreclosure! I called yeseterday adn teh new people picking in need of money it up gave me 4 different numbers to call and I was bounced around as long as I could stay on hold before I had to go abck to work. So I was put on hold month after month, now they want to hold me to full value of the original loan 1. There is also a class action lawsuit against the builder on this home due to poor construction but I can live with those items with the exception of a few things.

I could have been making payments all along but all I see is they want to take my property from me. They had one girl in the office and secretary managing all the home loans and she never called back even when yous et an appointment to talk with online personal loans direct lenders bad credit her she in need of money was always out of the office or at lunch. I am working two jobs, have renters and am saving money for loan payments in a Chase account even. 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. Welcome to the club of unhappy homeowners, in need of money abused Chase clients and never ending stories of lies, lies and more lies. I cash in 1 hour believe now may be the time for you all to unite and fight back using the tools that government protection agencies and the law has provided you, but what banks do not want you to know.