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Not once have I recieved any type of letter or communication from BOA telling me anything, I have been the one calling to get updates... 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. You may want to try to get in touch with Michael from Loan Mod Help Center directly so he can go over your scenario with you and see how they are coming up with the figures and what has happened to the NACA modification. Happy to help if I can, just need to make a convenient mutual time to discuss and set out to fix what we can fix.

Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with guaranteed payday loan approval a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. Yes, these creeps are treating you just like they did me. First, I was approved for a mod, and even got an email from the Chase rep saying I was approved, and the docs would be sent in a few days. Then, they say my file was passed to another state.....

Then, they want me to resend and resend the same docs over and over. Again, I find out after the fact that they rejected me, again due to mistakes on their part. So, I reapplied again for the HAMP modification, and I was shocked when non payday loans for bad credit I got a FedX package one day with the Trial Mod information and trial payment amounts. I have now made 4 Trial Payments, and continue to get the same bullcrap......

Just like you, these scumbags never call me asking questions of asking for missing documents. Its when I make my monthly call that I find out that nothing is happening because they need more documents. Then, they tell me to keep making Trial Payments, then they tell me to stop making the trial payments....... As another writer said to the effect During good times, these banks could push through a refinance or a home loan mortgage in less than personal discount cash advance loans guaranteed approval a week, but now when it deals with helping the homeowner, they cant even get a modification done in 2 years. In my entire life, I have NEVER experienced such a total lack of professionalism and ethics from these banks...... From your perspective, how and why do so many documents get lost by banks during these modification requests? Also, do you see signs where managment is directing bank reps to be creative in coming up with ways to reject the HAMP modifications?

For example, making intentional math mistakes to disqualify applicants who fully comply with the guidelines. What are the main reasons for banks rejecting applicants who have successfully made 4, 5, or more Trial Payments? Do you see a large percentage of Trial Mods turning into Rejections instead of Permanent Mods? Do you have any official wisdom or policy regarding making more than the required 3 Trial Payments?

I was told to stop making my Trial Payments (after the 4th)as they were not required, but if it made me feel better, then I could keep making them. Why dont the banks email or mail official statements back to applicants to support what they are telling us?

Also, why not lay out the official rules and procedures on their website (Chase in my case)?

It seems they keep making up or changing the rules as they go along. I have a email from my negotiator that says there will be a credit block placed on my acct for the 4 months. I have some other concerns about the forbearance I have received a mod offer from the hope team and called my negotiator to ask if it was from her she told me that it was not but email a copy to her so she can see it. I was unable to get a copy to scan so I did not send her a copy, also received letters stating that my loan is late. I have noticed that it takes a very long time for them to post my payments, I was sending her email of the tracking info for the payments but she told www bad credit loans me it was not needed. I have a email from my negotiator that says there will be a credit block placed on my acct for the 4 months.

I have some other concerns about the forbearance I have received a mod offer from the hope team and called my negotiator to ask if it was from her she told me that it was not but email a copy to her so she can see it. I was unable to get a copy to scan so I did not send her a copy, also received letters stating that my loan is late.

I have noticed that it takes a very long time for them to post my payments, I was sending her email of the tracking info for the payments but she told me it was not needed. Send me reminder to make sure the block in there, also if you possible contact the credit agencies and dispute the reporting..... Scan the documents and send them ASAP to her (the libraries have scanner for free).

BofA has contracted out the processing of the modifications. 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. 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.

Husband lost job, July 09, got a three month forbearance with B of A for Oct, Nov, Dec.

Made Oct payment for amount indicated on forbearance agreement, then guaranteed payday loan approval poor credit payday loans made regular payments for November and December. In January paid amount of shortage from October and was completely current, never reported on credit. Never heard a word from B of A, no clue what was happening.

I thought the point was to stay current if we could and make our payments. We used all of our savings in this process to stay current. Neg told me he would start me on trial payments from March -July and then we would get final docs.

Made all payments as agreed on signed document, never heard a word as July came and went. Forget to mention that in the middle of all of this I finally received a package for the MHA program in March and sent everything in immediately.

This whole time I thought that we were in trial payments for a loan mod, but now I find out (from Fannie Mae) that we were in another forbearance???? Why did they put us in two back to back forbearance programs?

According to guidelines at the end of the temporary assistance period( forebearance) , homeowners who have a mortgage payment guaranteed payday loan approval bad credit signature loans no credit check greater than 31 percent must be considered for a permanent HAMP mod. B of A is telling me in 30- 45 days I will find out if we qualify for HAMP andif we do we will start trial payments for 3 months. We have already made trial payments and from what I understand according to the guidelines again, we must be considered for a HAMP mod.

Yes, they have reported us 120 days past due and they will do nothing about this. I was told that once everything was completed that they would fix our credit. My big question why two forbearances and do we really have to go through trial payments again? My big question why two forbearances and do we really have to go through trial payments again?


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I realize not all the people I have spoken with at BOA are really as rude and crude as they sound. They are under a huge amount of pressure from upper management. I have been blessed with a very nice and knowledgeable Lady. Thank You If you get denied after you make another 6 or 12 months of trial payments will you free loans for single mothers wish you had saved that money? Husband lost job, July 09, got a three month forbearance with B of A for Oct, Nov, Dec. Made Oct payment for amount indicated on forbearance agreement, then made regular payments for November and December. In January paid amount of shortage from October and was completely current, never reported on credit. Never heard a word from B of A, no clue what was happening. I thought the point was to stay current if we could and make our payments. We used all of our savings in this process to stay current.

Neg told me he would start me on trial payments from March -July and then we would get final docs. Made all payments as agreed on signed document, never heard a word as July came and went. Forget to mention that in the middle of all of this I finally received a package for the MHA program in March and sent everything in immediately.

This whole time I thought that we were in trial payments for a loan mod, but now I online loan for bad credit find out (from Fannie Mae) that we were in another forbearance???? Why did they put us in two back to back forbearance programs? According to guidelines at the end of the temporary assistance period( forebearance) , homeowners who have a mortgage payment greater than 31 percent must be considered for a permanent HAMP mod. B of A is telling me in 30- 45 days I will find out if we qualify for HAMP andif guaranteed payday loan approval we do we will start trial payments for 3 months. We have already made trial payments and from what I understand according to the guidelines again, we must be considered for a HAMP mod.

Yes, they have reported us 120 days past due and they will do nothing about this. I was told that once everything was completed that they would fix our credit. My big question why two forbearances and do we really have to go through trial payments again? If you need perspective on your situation, you can either start your own thread or go to the following thread and post your numbers. It should indicate on the initial modification welcome letter or at the very bottom of the counseling requirement letter a number to contact with questions regarding the package.