Looking for a loan with bad credit

Only to check in with payday loans in dallas them to say the request is expired and I have to send in everything all over again.

That is EXACTLY what happened to me with Wells Fargo.

OK yes we have all your modification application documents, we will let you know in 30 days. But 30 days later, they say, Oh sorry, your docs are more than 25 days old, which means they are outdated and invalid. We will need updated paychecks, bank statements, etc, and you can start the process over again... I too am wondering what address would be best for ASC or Wells. As I understand it, it has to go to the servicer, which would be ASC, right?

I am giving them a little time, and int the meantime pressing Chase. It will be a move that might get me a few thousand dollars. Now, I never got the real answer on a cash loan payday loan mod and eventually gave them a DIL, only started getting a proper response and help when I spoke with their attorney who was nice and said few people understand the process and fewer do the looking for a loan with bad credit DIL which in most cases is their best best over foreclosure. I even got him to re word the papers to ensure I could understand in simple language that there was no deficiency judgement.

STUPID, STUPID, STUPID but that is the banks for you and they get all that government money? Early on I sent them a written scenario on a loan mod that would work and they would get paid their whole loan amount in 5 years (i had someone who wanted the property and were prepared to fix it). Also, can the QWR help if I am already in foreclosure? No sale date, been trying to work with Wells Fargo since October of 2008! You cannot even believe how many times I have faxed all the required paperwork to get a loan modification. Only to check in with them to say the request is expired and I have to send in everything looking for a loan with bad credit all over again. My story consists of falling behind on monthly payments due to the fact that my estranged husband moved out and would not help me make them. The payments just kept falling so far behind that I could not catch up and then Wells Fargo foreclosed. I have tried to tell them I can make the mortgage payments now.

Oh, and I spoke with the man from Wells Fargo on Sat.

Plus I have never received any official letter or package stating any of this from them. I recently splurged on a book, mortgage wars by iris martin which has a lot of great info on how to fight back and save your home from foreclosure, with accompanying legal case studies. It is very empowering and enlightening and i recommend this book to anyone who wants to beat the big bad wolves on wall street at their game and save their homes.

Martin included a qualified written request in the book that anyone can use and it is very detailed, probing and, i would say, guaranteed to make your lender squirm and sweat buckets -- a good thirteen pages long (thirteen.

Yeah we borrowers are the harbingers of your bad luck, you wall street scumbags! Hereinafter the subject loan and is the reference for all questions and requests described below. I am writing about the accounting and servicing of this mortgage and clarification of various sale, transfer, funding source, legal and beneficial ownership, charges, credits, debits, transactions, reversals, actions, payments, analyses and records related to the servicing of this account from its origination to the present date. I hereby demand absolute firsthand evidence from you of the original uncertified or certified security regarding the above referenced account. In the event you do not supply me with the very security, it will be a positive confirmation on your part that you never really created or owned one. I also hereby demand that a chain of transfer from you to wherever the security is now be promptly sent as well. Absent the actual evidence of the security, i have no choice but to dispute the validity of your lawful ownership, funding, entitlement right and the current debt. By debt, i am referring to the principal balance the calculated monthly payment calculated escrow payment and any fees claimed to be owed by you or any trust or entity you may service or sub-service for. To independently validate this debt, i will need to conduct a complete review and accounting of this mortgage from its inception through the present date. Upon receipt of this letter, refrain from reporting any negative credit information (if any) to any credit reporting agency until you respond to each of the requests.

To do so would be in violation of the fair credit reporting act.

I also request that you conduct your own investigation and audit of this account since its inception to validate the debt you currently claim is owed. I would like you to validate the debt so that it is accurate to the penny. Instead, i demand that you conduct california installment loans a full audit and investigation of this account. Since this is a qualified written request under the real loans for bad credit rating estate settlement procedures act, codified as title 12 section 2605(e) of the united states code as well as a request under the truth in lending act 15 u. Section 1601, there are substantial penalties and looking for a loan with bad credit fines for non-compliance, or failure to answer my questions within 20 business days of its receipt, and 60 business days to resolve my concerns. In order to conduct the examination of this loan, i need to have full and immediate disclosure including copies of all pertinent information.

Please provide me with factual and detailed answers to the following questions: 1. Was this loan originated in lawful compliance with all federal and state laws, regulations including, but not limited to, title 62 of the revised statutes, respa, tila, fair debt collection practices act, hoepa and other laws?


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Were all transfers, sales, power of attorney, monetary instrument ownership, entitlements, full disclosure of actual funding source, terms, costs, commissions, rebates, kickbacks, fees properly disclosed including but not limited to the period commencing with the original loan solicitation until now and including any parties, instruments, assignments, letters of transmittal, certificates of asset-backed securities and any subsequent transfer thereof? Has this mortgage account been credited, debited, adjusted, amortized and charged correctly, commencing with the original loan solicitation until now and including any parties, instruments, assignments, letters of transmittal, certificates of asset-backed securities and any subsequent transfer thereof? Have charges, fees or expenses, not obligated in any written agreement, been charged, assessed or collected from this account or any other related account arising out of the subject loan transaction? I also need answers, in writing, to various servicing loan shop online questions. For each record kept on computer or in any other electronic file or format, please provide a paper copy of all information in each field or record from each computer system, program or database used by you that contains any information on this account. As such, please send to me, at the address below, copies of the documents requested below as soon as possible. Please also provide copies, front and back, of the following documents regarding this loan: 2. Any and all pooling agreement(s) or servicing agreements between the nominal lender at the loan closing and any party or parties who could claim an interest in the loan closing or documents pertaining thereto and any government sponsored entity, hereinafter gse or other party 3. Any and all deposit agreement(s) between the nominal lender at the loan closing and any party or parties who could claim an interest in the loan closing or documents pertaining thereto and any gse or other party 4. Any and all servicing agreement(s) between the nominal lender at the loan closing and any party or parties who could claim an interest in the loan closing or documents pertaining thereto and any gse or other party 5. Any and all custodial agreement(s) between the nominal lender at the loan closing and any party or parties who could claim an interest in the loan closing or documents pertaining thereto and any gse or other party 6. Any and all master purchasing agreement(s) between the nominal lender at the loan closing and any other party or parties who could claim an interest in the loan closing or documents pertaining thereto and any gse or other party 7.

Any and all issuer agreement(s) between the nominal lender at the loan closing and any other party or parties who could claim an interest in the loan closing or documents pertaining thereto and any gse or other party 8. Any and all commitment to guarantee agreement(s) between the nominal lender at the loan closing and any other party or parties who could claim an interest in the loan closing or documents pertaining thereto and any gse or other party 9.

Any and all release of document agreement(s) between the nominal lender at the loan closing and any other party or parties who could claim an interest in the loan closing or documents pertaining thereto and any gse or other party 10. Any and all release of interest agreement(s) between the nominal lender at the loan closing and any party or parties who could claim an interest in the loan closing or documents pertaining thereto and any gse or other party 13. Any trustee agreement(s) between the nominal lender at the loan closing and any party or parties who could claim an interest in the loan closing or documents pertaining thereto and trustee(s) regarding this account or pool accounts with any gse or other party 3. Any and all document(s) establishing the date of any appointment of trustee for this mortgage or deed of trust and any note, including any and all assignments or transfers or nominees of any substitute trustee(s) 8. All data, information, notations, text, figures and information contained in your mortgage servicing and accounting computer systems including, but not limited to alltel or fidelity cpi system, or any other similar mortgage servicing software used by you, any servicers, or sub-servicers of this mortgage account, from the inception of this account to the date written above. All descriptions and looking for a loan with bad credit legends of codes used in your mortgage servicing and accounting system so the examiners, auditors and experts retained to audit looking for a loan with bad credit and review this mortgage account may properly conduct their work.

All records, electronic or otherwise, of assignments of this mortgage, monetary instrument or servicing rights to this mortgage including any such assignments on mers. All deeds in lieu, modifications to this mortgage, monetary instrument or deed of trust from the inception of this account to the present date. The front and back of each and every canceled check, money order, draft, debit or credit notice issued to any servicers of this account for payment of any monthly payment, other payment, escrow charge, fee or expense on this account. The front and back of each and every canceled check, draft or debit notice issued for payment of closing costs, fees and expenses listed on any and all disclosure statements including, but not limited to, appraisal fees, inspection fees, title searches, title insurance fees, credit life insurance premiums, hazard insurance premiums, commissions, attorney fees and points.