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Now to collect on the insurance, they need to force the mortgage into foreclosure. With that insurance, they get the full mortgage pay-off PLUS whatever they get for the house.

They actually have a PROFIT if there personal loans florida is any insurance on the pooled ABS security.

Most people who need a mod are in a my payday loan tight bind to then fight BofA in court to stop the foreclosure that is orchestrated after the breach of the modification contract. You still have a case against BofA even if they manage to take the house, but the problem is that they will try to tie it up in court. This is a way around everyone eventually having to hire their own attorney or finding an attorney who will take this as a class action suit. Follow up with the AG from your state to make sure they realize this is happening NATIONALLY and these are all VALID CONTRACTS that have been BREACHED.

The MI AG seems to have success with the breached mods. Perhaps we need MI residents to request that an actual suit be file against BofA instead of simply getting fast money online the mods honored.

If you have not delaware payday loans filed a formal complaint about your BREACHED MOD, please get that filed. A STREAMLINED application taken ONLY by PHONE to be followed by the borrower faxing them only a hardship letter. I called the bank and ASKED for a mod in December 08, and was I told that they were only doing mods in states where the foreclosure problem was really bad-- not in my state.

I replied emergency cash loans that NM taxpayers had payday loan without credit check also contributed to the bank bailout. I then received the FEDEX, unexpected, a few weeks later.

They did not take an application, on the phone or otherwise, and I did not fax them a hardship letter.

I have been hitting every lawyer in town who offers a free consultation, and I have YET to talk to one who agrees that the bank has screwed me. A STREAMLINED application taken ONLY by PHONE to be followed by the borrower faxing them only a hardship letter. I called the bank and ASKED for a mod in December 08, and was I told that they were only doing mods in states where the foreclosure problem was really bad-- not in my state.

I replied that NM taxpayers had also contributed to the bank bailout. I then received the FEDEX, unexpected, a few weeks later. They did not take an application, on the phone or otherwise, and I did not fax them a hardship letter.

I have been hitting every lawyer in town who offers a free consultation, and I have YET to talk to one who agrees that the bank has screwed me.

If you have an actual CONTRACT that states what your payments are changed to for the duration of your loan, I think you are dealing with whimps or else there is something about enforcement of basic contract law that is different in NM. I called when I got the docs and Jackie Lee the negotietar said once the docs were received the mod was good to go. I called when I got the docs and Jackie Lee the negotietar said once the docs were received the mod was good to personal loans for bad credit in nj go. I presume that you were instructed to provide copies of recent bank statements with the signed modification document. Make sure there is nothing other than your actual INCOME on the bank statements that you send. If there are any family loans shown on those bank statements, you need to annotate that those are LOANS, not income. There is so much of this occurring and all I can say is be prepared. Also, track the delivery of the documents (after you copied EVERYTHING that is signed and submitted). I know of one person who kept getting told that all was well, even with the loan balance going up instead of staying put while making interest-only payments.

They just dallied with finally informing that person of the mod cancellation. So-cal-gal - do you know if these cancellations have a trend? Meaning are they all borrowers originated from CW only or the cancellations come from both loans originated from either CW and BofA? So-cal-gal - do you know if these cancellations have a trend? Meaning are they all borrowers originated from CW only or the cancellations come from both loans originated from either CW and BofA?

The loans were CW but as far as who was in charge when the mod was sent out, it is a mixture.

Mine was sent by CW but processed on the intake by BofA. I do not believe any of these were originally BofA loans. BofA even tried to breach a contract that CW had in place back in 2007. I called when I got the docs and Jackie Lee the negotietar said once the docs were received the mod was good to go. If you live in California, the home loan modifications primarily take place at Simi Valley. The only problem, as you are experiencing, is that BofA believes itself best fast cash loans to be above the law. They are making a practice of forcing these contracts to be fought for in court.

It puts you in a real tight spot, trying to fight the bastards for the mod.

If they did, I wonder how would they even go back and unwind what the terms that was updated to your account? If they did, I wonder how would they even go back and unwind what the terms that was updated to your account?

Remember that my mod was started BEFORE the CW-serviced accounts were transitioned completely to BofA.


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Mine was never in-fact completely transitioned over to being online with BofA.

The servicing was shifted to Litton while BofA maintained that they were still working on incorporating the signed mod into the actual loan.

BUT they then REVERSED all of them on the same statement. Somehow, that would then seem to indicate the paid amounts were then in some suspense account SOMEWHERE. It is a real scam and you guys do not realize that BofA claims they can undo any of the mods where they have not signed the mod agreement.

Other lenders sometimes do, but the only cases where I know that BofA signed was either where they were in COURT (a BK case where the borrower was accepting a mod thru the BK court). I hope you raise so much hell they end up giving the house to you free and clear so-cal-gal. I hope you raise so much hell they end up giving the house to you free and clear so-cal-gal.

An honest Lawyer network is just now beginning to develope, I learned this from speaking to mine today! An honest Lawyer network is just now beginning to develope, I learned this from speaking to mine today! I was told to reapply and follow up in a few weeks to find out the status. When I called BofA for the status of our mod, I was told that it was in our best interest to apply for the NHRP (AG) because even though they made the error, they were not under any obligation to offer us another MHA mod. The rep told us that the system showed us as being eligible for NHRP and she even quoted us a payment amount that we could afford, thus keeping us in our home. For the next several months I kept calling for information on our mod and was told that I was under review, was being escalated, need updated financials, etc. Finally, after months of waiting and calling for updates, I get a Fed Ex letter stating that I was denied for MHA due to not making the trial payments. I immediately called BofA and informed them that I was in receipt of their letter declining me for an offer that I had canceled months earlier and I asked about my NHRP mod.

The rep told me that I was never being considered for the NHRP because the original offer that I canceled was never canceled out of their system out of their own negligence.

That is why I received the letter and why the system did not recognize that I had applied for another program. So the whole time I was calling updates, they were updating me on the mod I had canceled, while I was under the impression that it as the NHRP mod. I told him that that was NOT my fault that they did not cancel it from their system. The rep then told me that he would lock me in for the NHRP and quoted me a higher payment than the first quote but I agreed because I need to get a mod and soon.


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A few days later I get a call letting me know that I was declined and not eligible for ANY program because I am too far behind. The whole time I was calling they kept telling me that I was under review. I feel like they intentionally frustrated all my efforts to modify my loan so that I would fall easy payday my payday loan loans so far behind and they could then decline me based on that.

They postpone modifying you until you my payday loan reach the point of no return.

They want us so far in arrears that they can then decline us for that. What kills me is that I know we are great candidates for a mod because we met all the criteria and my husband has been back to work for almost two years now, even though his income is poor credit loan significantly lower than his pre recession income. Before this crisis, we had a perfect payment history with Countrywide and all our creditors. We kept our 2nd mortgage with them current throughout this whole time but my payday loan screw them now. You would think that they would want to grant modifications to those customers with a strong payment history. After all the money they made from us all, now they want our homes too. I was told to reapply and follow up in a few weeks to find out the status. When I called BofA for the status of our mod, I was told that it was in our best interest to apply for the NHRP (AG) because even though they made the error, they were not under any obligation to offer us another MHA mod. The rep told us that the system showed us as being eligible for NHRP and she even quoted us a payment amount that we could afford, thus keeping us in our home. For the next several months I kept calling for information on our mod and was told that I was under review, was being escalated, need updated financials, etc. Finally, after months of waiting and calling for updates, I get a Fed Ex letter stating that I was denied for MHA due to not making the trial payments. I immediately called BofA and informed them that I was in receipt of their letter declining me for an offer that I had canceled months earlier and I asked about my NHRP mod. The rep told me that I was never being considered for the NHRP because the original offer that I canceled was never canceled out of their system out of their own negligence. That is why I received the letter and why the system did not recognize that I had applied for another program.