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Thus it appears she was just blowing off and not responding to my concern because it was not in her department. By now I am completely frazzled because this issue has taken up nearly 2 days, and now I have to explain to my BofA CRM that whenever I call BofA, regardless of the department or customer service number I use, I ALWAYS get automatically routed directly back to her voice mail stating she is unavailable instead of getting another CSR because the phone system is apparently set up this way on purpose. Therefore, I needed to make up the personal loans for bad credit difference from the smaller amount I had already paid earlier in the month, which I was personal loans for bad credit finally able to do on the phone, so the full payment was on time. She said this will get you a live Customer Service rep on the phone.
I had thought that you were in touch with that office previously. 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 personal loans for bad credit 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. The CAAG attorney stated that personalloans com we should have the answers by no later than 4 weeks after their request was received, so no later than the end of May. She is the one who told me that while the investor, Wells Fargo, was not previously doing these modifications, that Wells Fargo is now doing these modifications.
During our initial conversation, she said she will get back to me on this. I will definitely use the numbers you have provided and notify the attorney with the CAAG I am working with if these communication problems payday loans montgomery al continue. If I did not have this feedback from the forum, I would have little idea of what I should do about this mess. So I spent all day at the NACA event being routed through most of the areas there.
I have to say that the NACA event is extremely well-organized process and their representatives are very nice, patient, and knowledgeable.
I told her I already knew the status of my application being in review, but I stated that what I did not know is what is the specific reason the investor had declined the NACA modification? And then I was once again BROUGHT INTO THE STRANGE NON-LOGIC WORLD OF BofA when the rep next told me it actually states in my BofA file she was viewing directly on her computer that BofA, under their contract with Wells Fargo for my loan, DOES in fact have the contractual authority to modify my loan by extending it to 40 years and greatly lowering the interest rate!!!???? She then said that therefore BofA had determined for me that, personal loan in usa even if BofA extends the current loan to 40 years and lowers the interest rate, they believe the loan would not would work for me, so her exact words were I was absolutely stunned. And I began to think for a moment that perhaps BofA was making this patriarchal-sounding decision for me because I am a single woman????!!! And doing so in spite of the fact that I have a Ph.
I said, WELL, WHO is BofA TO DECIDE WHAT EXACTLY IS IN MY BEST INTEREST?!!! I have owned my home for 25 years, and I make very good money and can pay for a reasonable modification. I said my house is underwater by HALF ITS LOAN VALUE!! However, it states earlier in my NACA file that BofA states the investor declined.
I further asked then if BofA was deciding this, then why was BofA also not considering a principal reduction, which is in fact what is needed to make a modification work on this underwater loan?
It truly appears regardless of what they stated on the last NACA application that the investor declined that as this rep stated, BofA may not have even sent it to the investor, just as they have always done before when the application always gets stopped with BofA just stating they lack the fast online payday contractual authority to modify.
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He did some research with BofA and got me a number and email cash advance tucson to make contact directly with Wells Fargo to see what I can find out about my investor situation. He told me to give this information to the CA AG attorney I am working with, too. I told the NACA Advocate that since I have the income, and the loan is so underwater, if BofA did a principal reduction and a modification this would definitely work, and he told me I should work with Keep Your Home California to get a principal reduction. I said I have worked with them twice through HUD, but they always told me BofA makes the final decision on this. The Advocate also told me that the banks only had to payday loans in jackson ms make a certain quota of modifications, which, for the most part, he said they have already done and for this reason they are not making many anymore. I have been brutalized by the financial crisis, the state and federal budget crisis in education that led to a period of under-and unemployment, in spite of my high-level of education, a predatory home loan, toward which went all my personal loans for bad credit savings, for which all of this my health was severely affected for over two years, sending me spinning into a health crisis, from which I still managed to recover, while still also managing to find and work one full-time and two part-time jobs. I have applied for these modifications over and over again for the past 3 years only to be held hostage by a labyrinthine process that lacks transparency and is mired in confusing, contradictory, non-sensical procedures and processes through which I have been subjected to misinformation, contradictory information, or even at times downright untruthful information....
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The way they were passing you off from one table to another is appalling.
I agree that you should get that information over to the AG office right away to see if they can make some waves with WF. I have seen these offices step in and be able to get results on behalf of best place to get a personal loan homeowners up against these unscrupulous lenders. 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 pay weekly loans or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Today, I am still reeling from the shock of finding out that all this time BofA could have modified my loan but just churned it and blocked a modification instead.
Today, I am still reeling from the shock of finding out that all this time BofA could have modified my loan but just churned it and blocked a modification instead.