Where to get a personal loan with bad credit

The reason I was is because due to the lost docs it appeared at the time that I did not have a loan mod so I would have qualified. I think at this point since they were the ones who made the mistakes and were encouraging me to apply where to get a personal loan with bad credit for the DOJ offer that they should honor my application. I have detailed notes from every phone call and the documents to support every dealing that I have had with BOA since July of 2010.

It has been a bungled ordeal from the beginning and it is beyond incomprehensible at this point that I am still dealing with this. I have already reported the matter to the Office of Mortgage Settlement Oversight, but I would like to take it further--does anyone have any advice or personal experience with this type of issue. I did call the executive team who said the same thing they are in the closing department but we have everything and you signed the final docs. I guess the normal is sixty to ninety days which payday loan lenders online seems long in duration to me but I guess that is what it is. They robo signed my foreclosure docs (I got a settlement) they lost my modification docs so I am www personal loans for bad credit on round two. When I got the permanent docs in October I was forever greatful.

I am currently faced with a situation where BOA appears to have lost my permanent HAMP loan mod docs from May 2012.

In the meantime I was sent a letter offering me the Principle Reduction from the DOJ Settlement, which I applied for on Oct. My saga began when husband passed away suddenly in April of 2010 and I could no longer afford to make the payments on our home, which was originally financed through Countrywide and then BOA. I quit making payments personal loans for bad credit in July of that year and tried to give the house back to BOA through a Deed in Lieu--after several months of unsuccessfully trying to go this route, I decided to pursue a HAMP loan mod. I was denied multiple times due to missed paperwork , etc. I made all of the payments on time and received a letter stating that I had been approved for the permanent HAMP mod on May 7, 2012. I returned the necessary docs where to get a personal loan with bad credit prior to the deadline on May 14, 2012 and followed up to ensure that everything was indeed received and in order. I was also switched to a new Account Manager a few months ago.


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I received a letter offering me a principle reduction through the Global Settlement Program. I probably would have ignored the letter, however BOA kept calling me almost daily to remind me of the deadline for sending in the necessary documents. I received an identical letter towards the end of Sept. After doing a bit of research online I decided to apply. In loans for bad credit where to get a personal loan with bad credit history instant decision fact, I sent in two completely different sets of docs since one person I spoke with said that I would need two years tax returns, bank statements, hardship letter, electric bills, etc. During several of the calls I made to check the status of the DOJ offer I was told that I would have to make a decision on whether I wanted the HAMP mod or the DOJ offer and that if I decided to go with the DOJ offer, it would void my HAMP loan and I would be unable to apply for that again and may end up in a situation where I was once again facing foreclosure. Other people I spoke with told me that I could apply without jeopardizing the HAMP loan. Every person I speak with seems to have a different story. I spoke with my account manager the other day and he informed me that they had no paperwork on file for my permanent mod and I would need to submit all of the necessary docs to qualify for that loan.

After providing him with dates, tracking numbers, names, etc. He said he is going to escalate the matter of my lost docs up the ladder and that I should never have been sent the DOJ offer. The reason I was is because due to the lost docs it appeared at the time that I did not have a loan mod so I would have qualified. I think at this point since they were the ones who made the mistakes and were encouraging me payday loans cedar rapids iowa to apply for the DOJ offer that they should honor my application. I have detailed notes from every phone call and the documents to support every dealing that I have had with BOA since July of 2010.

It has been a bungled ordeal from the beginning and it is beyond incomprehensible at this point that I am still dealing with this.

I have already reported the matter to the Office of Mortgage Settlement Oversight, but I would like to take it further--does anyone have any advice or personal experience with this type of issue. I am so sorry for your loss and what you have had to endure since then.

There are other avenues in las vegas payday loans addition to filing the complaint with the MSO for escalating your situation. You can also file a complaint with the government agency that regulates the servicing agent. For BofA, it is the OCC here And also try escalating your file to the BofA executive team if you had not done so already and see if they can help here 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 or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney.

Please Read our Privacy Policy and Legal Disclaimer I am so sorry for your loss and what you have had to endure small loans bad credit monthly payments since then. There are other avenues in addition to filing the complaint with the MSO for escalating your situation. You can also file a complaint with the government agency that regulates the servicing agent.

For BofA, it is the OCC here And also try escalating your file to the BofA executive team if you had not done so already and see if they can help here 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 cash advance clarksville tn 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 where to get a personal loan with bad credit individual attorney. Please Read our Privacy Policy and Legal Disclaimer Just wanted to bad credit same day loans post a follow up. I did get in touch with the BofA executive team and had my file escalated within a week of this post. On Friday my representative finally told me that my income had been verified by the underwriter and a decision would come, generally, within 30 days. I have no way of seeing any statement reflecting any of them and other than the electronic check which I have to call my personal representative to deduct each month there appears to be no record of them.


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If they turn me down for the global settlement I think it might be time to hire an attorney. I have excellent records for everything that has happened during the past nearly three years of working to get the loan modified. Also just losing where to get a personal loan with bad credit my loan mod papers and telling me I have to start over after a two year battle need loan that I fought getting the first loan. Do you feel it would be worth my while to hire an attorney? Any other ideas you have would be greatly appreciated. Was also thinking about trying to get a news station interested. If in fact you do have a copy of the executed loan modification sell coins for cash agreement with an original notary signature, I recommend you have it recorded. If in fact you florida payday loans do have a copy of the executed loan modification agreement with an original notary signature, I recommend you have it recorded. I do have an original signed and notary stamped loan document. Strangely enough there were no instructions on the docs to even have them notarized.

Even with my limited knowledge of filling out loan paperwork this seemed strange. After dealing with them, at that point for nearly two years, and seeing how they operated I opted to follow my instinct and get notarized copies. We received our permanent modification back in September (6 months ago) after waiting about 4 months for the approval. We never had to do any trial payments at all and our account manager even told us that what we had received was a permanent modification.

On September 10, 2012, we received a package via FedEx from BOA.

Inside of the package was a letter from BOA that started off by saying We are pleased to advise you that your loan modification has been approved. In order for the modification to be valid, the enclosed documents need to be signed and returned along with the requested certified funds.

A few days later, our account manager called and told me that they had received everything and that we were all set and that our first official payment under the new modification would start with our November payment.