It will take some research into finding some language but I imagine you might uncover something fruitful for your attorney. If I have a chance, Ill take a look at what I can find. It takes a couple months to get these agencies to respond but call them regularly to follow up on your complaints and make sure they are received.
Id get instant cash also cc Wells Fargo on your complaints and the new investor. Yes, OCC does respond (did in my case) but may take a month and was submitted thru my Senators office. They just responded to OCC that I was now in the trial... If you have mediation in Court you must be in a judicial foreclosure State. Those of us in non short term lenders judicial have no opportunity to go to Court. But if you are in a judicial foreclosure and depending on where some States have required mediation which is great although outcome uncertain.
Does anyone have any information on Trustco Bank in NY. I applied for a modification on Jan 5th, 2010 with GMAC and I was told last week that I was denied for both the MHAP also an in-house modification. I also received a call from someone in Loss Mitigation telling me to work with them to sell my house... I told him I would not sell it and that I would reapply for a modification. He payday loans no credit check no employment verification keep telling me that it would be my best interest to get rid of it. My wife is willing to state her earnings to increase my income so I would have a better chance of getting approved. I told the guy that and he payday loan rates said and HOLD OUT that it would not work. I loans usa am 14 months past due and my house is almost 150k underwater also in foreclosure.
Below is a complete list of lenders participating in the Making Home Affordable (MHA) program. If you do not find your lender on this list, that does not mean that they are not offering loan modifications. Most all servicers can modify your home loan at their own discretion.
I stand firm in the belief that if a bank took any bailout money whatsoever, then it should be mandatory that they participate in loan mods! Now I get that a servicer differs from a bank my new servicer is IBM LBPS and per their disclaimer on the bottom of their email, they are part of BofA, is that right? Also, why on earth have loans usa I been told be a rep at LBPS that since my previous servicer (Citi) processed an application to Federal HAMP and I was denied, that they REPORTED my name to the US Dept of Treasury and now I am on a BLACKLIST with the US Dept of Treasury? Also - how can Citi sell a mortgage during an open Property Damages Claim? Self-reliance has always been one of the most cherished American values. ENDQUOTE My parents brought me up right and I work hard!
However, loans usa once my hubby had to transition to SSDI, we could no longer maintain the payments. I have to deal with all of this by myself and try to take care of him and IT IS HARD AND I NEED HELP!!!
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I am doing loan mod with my servicer, CENLAR for 20 mos now, started August 2009.
They placed me in foreclosure after 6 mos, Dec 09 no active correspondent with me, even I have faxed them and emailed them my request for status. I think my note holder is US bank and its not on the list.
We want to catch up but dont want to impede the loan mod process.
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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. I originally sent in paperwork for the MHA modification in December 09 and confirmed receipt from AHMSI.
I redid the paperwork and sent it in by certified mail this time. I just recently received a foreclosure notice that was filed but there is no sale date. What should be the turn around time for AHMSI to get back to me for approval or the trial payment period? This link references that these are the steps a counselor should take, but Fannie verified that the phone number to them is for consumers also. I emailed them on March 1, 2010 and confirmed with them on March 3 that they had received my complaint and it was in line for someone to call me about the problem. I have signed and they have signed final mod but now there are 2 issues and MBS trust and do I pay 2nd trial. Also believe it or not someone put in my notes that I said I did not want to continue on program, How crazy is that I waasted a year of my life dealing with these fools.
What kind of recourse is there for us borrowers when in the HAMP guidelines it states that these modifications should be done in a timely manner as well as the guidelines under Consumer Protection Servicers should have procedures and systems in place to be able to respond to inquiries and complaints relating to loan modifications. Servicers should ensure that such inquiries and complaints are provided fair consideration, and timely and appropriate responses and resolution. I was doing fine until My brother and sister lost their jobs and are now living with me. I am currently supporting a Family of 10 (6 adults and 4 children) 2 are mine MY monthly expenses have increases significantly.
I am with wellsfargo and after reading all the post I am not sure if I should attempt to call them. My credit is excellent at this time but i Dont how long it will last.
In March of 2009 we started our HAMP process (CHASE) with the help of a mortgage company.
In November of 2009 I decided to call CHASE my self and see what was going on.
In May 2010 an appraiser for Chase came out to look at our house. We are in the process of adding to our living room so in his note he wrote house is under construction. Eventhough all our paperwork has that address on it!! She sent a couple of emails to the underwriter and he agreed to send another appraiser back out.
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I called 4 weeks later and got an amazingly rude rep that told me We were denied and that no, another appraiser was not going out there, and there were no notes about any of it!! I called back very upset and got the 1st tier of reps. A very nice lady told me she could see all the notes and read them back to me. She put in additional notes and sent me to emminant default dept. The rep there said I was in personal loan transfer the wrong dept and I was denied a loan mod anyway he tried to transfer me to loss mitigation but instead cut me off.
My question is this: Do you have to be past due to get any help?
Hi there ,we started talking to BOA regarding MHA 2009, Mr Presidents program (make your payment stay current we will help you stay in your home) sure you are. I was talking to people at the BOA center every week, every time they ask for more papers,week later they lost the paperwork send again and again and again 7 times, finally 1. To this day still nothing has transpired: they claim that lost my paperwork they are very busy that they need more papers and more papers and they even claimed in 120 days they will let us know if we qualified for anything.
Here is another example why your policy Make Homes Affordable for the People have failed in regards to the population who are trying to make their payments to stay in their homes.
You, your Vice President, and your Press Secretary, all preach this program every time loans usa you are on the television.
President you gave Billions of dollars to the hands of the very people that got us into this mess! President has led to BOA telling us that since we are still able to keep our payments current, we are to move to the back of the line so they can concentrate on those already in default. We actually put a down-payment down, our life savings, and we lost it and half of our home value as well. I have had a forced retirement due to the conditions of the Real Estate market with a minimum fixed rental income. And after spending 100s of hours on the phone with over 20 people. President, as you can see, the right hand does not know what the left hand does. On one hand they are telling us that we have to start all over again due to insufficient paperwork and our account is closed, and on the other hand they opened a impound account because we have an application in progress.
Gardner, trust with our tax dollars to help people like us, try to be good citizens and do the right thing. President I am a Greek-American Immigrant a legal one I might say. I work hard to pay my taxes, to be a good neighbor, to work hard for the last 34 years and to save some money to buy our dream home.