What do you need to get a payday loan
I called point of contact who could not really explain how the balloon payment worked. I also commented money loan bad credit that I could not sign ANYTHING with missing paperwork. Loan MOD expires, still no additional missing paperwork form BofA... New Packet arrives, NO EXHIBT A - just page 3 of my original note with the Clause about MERS in parenthesis??? AND SAME EXPIRATION DATE which had already passed a few days prior. Called and left an mesage for my single point of Contact. She tried to explain the Balloon payment, and said she would investigate the packet and make sure that a new one was sent with revisions.
I also mentioned that the terms and interest rate were missing from the paperwork? Asked again why I was promised a fixed modification and given a totally different product? She said the investors that manage my loan were not giving fixed Mods.
I asked who these investors were (expecting Wells Fargo, which was given in August 2013) She said it was HSBC and gave me their contact info. Being in the Real Estate biz I find it hard to believe that my Loan that originated with countrywide and was taken over by BofA, went briefly to Wells Fargo and is now HSBC. The only paperwork I ever received was when it went from CW to BofA...
My Loan meets all of the guidelines for the Judgment on behalf of Countywide Borrowers. I have maintained a career in a declining Real Estate Market requiring ridiculous hours and few sales. 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.
They said the monies would be used to pay fines with DOJ, some lowest interest personal no teletrack payday loans direct lenders loan would go to states to create mortgage help agencies , but also to consumers what do you need to get a payday loan served with faulty Countrywide overnight loan loans.
Does anyone know the details and what criteria do they establish which consumers are eligible for financial help from this settlement? As I ,there are many stuck with bad or underwater mortgages that have tried to foreclose on.
How would they compensate the home owners that suffered years with Countrywide fraudulent mortgages? There appears to be money and relief, but how this is dispersed seems to be kept private. I could not find any information to share with you to answer your question. Here is a good quote by Bernie Sanders that explains this in a nutshell BURLINGTON, Vt. 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.
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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. Bought home in 2002 and was told that we could refinance in 2 years for better interest rate. We refinanced with countrywide in 2004 and got a 1 point difference in interest. We had a fixed normal mortgage and i thought they had made a mistake. By the summer, we were falling behind and so we went to a lawyer who did the means test and promptly told us that we did not qualify for chapter 7--so he filed chapter 13. During this period, we found out that BOA had taken over the loan and in the Spring of 2011 received a letter from BOA stating that our escrow account had an overage of over 8K and the payment was lowered back to what it was originally. I then suggested that they apply it to the principle--they said they would have to have the account reviewed and I never heard from them again. I then started going over the BK papers and saw a copy of the means test the atty had done. After researching into how to do a means test (found one on the BK court website). I called the atty and found out that he had left his practice to go be a BK trustee in another state.
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Now, with a month to go before discharge, I get a loan with no credit find that BOA is claiming 24 months past due other secured creditors are also claiming huge past due numbers. Apparently, the BK trustee does not pay the secured creditors first-they pay the creditors over the course of the 5 year plan. I am worried that BOA will just wait until Feb 2012 and after the case is discharged, will proceed with FC.
I contacted them for the first time last Thursday and they suggested that I send in documents to request a modification. They did not advise to request a certain type of mod.
I never even what do you need to get a payday loan heard of the mods out there until I came upon this site. I faxed them the docs they requested and called on Friday and was told they had already imaged my docs. So, they have everything they need except for a letter from our atty authorizing them to speak to us regarding the mod.
Was assigned to Account manager (one point of contact) about what do you need to get a payday loan 4 days later.
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Of course, they have not imaged the 50 page packet sent yesterday though--which I think is more detailed and responsive regarding my request for HAMP. Rich-left a message regarding whether the 50 page fax had been imaged.
She advised that it needed a final review before being sent to underwriter. I asked whether she would be the one to conduct the final review?
She said she could do the final review and may be able to get to it today--if so, she would call me today to let me know if complete. If not, I should give it 7 days and then call to make sure. What was interesting is that the number of investors they listed was 4 left. Another interesting note about the docs they did file before the Jan 2004 request not to file anymore, was that they claimed originally that all the loans were current... Also, there would be loans (about 20 per month) just disappear--no late no foreclosure, no bankruptcy.. By the time they filed an amended prospectus in Aug 2004,(which was also the last filing for this CWAB) the CWAB had 919 loans left in it-1 year after creation.
Also found where Countrywide filed a supplement to their prospectus in Aug 2004, where Countrywide Securities became the principal for the CWAB Oh my, you have been through the ringer with the Bk and everything. Obviously although you just applied for your first mod, you are not a newbie and seem well versed in what is going on and what you need to do. I am so impressed with all the knowledge around here. There is comfort in numbers through and that you are not the only one. At least it had the highest premiums of any insurance company and provided the least amount of benefits. Do you want to bet your insurance company is somehow affiliated with your favorite bank? We can only hope at some point, the Banks pay for all the harm they are doing. Interesting what you found out about just four investors left. I think almost all the trusts stopped reporting and some speculate they no longer even exist. I wonder if the loans you saw disappear could have been because they never were really in the trust. I understand they appeared to be considerably over collateralized at first because loans were placed in more than one pool.
The whole issue with the trusts is the biggest mystery in this to me both in terms of what really happened and in terms of how the banks expected to get away with it.