Loan Modification Forum - LoanSafe.org - View Single Post - Home Affordable Modification on 40 yr mortgage and navigating Chase

snapple candy · 07-02-2009, 09:07 PM

Az,
Get ready for another round with Chase. There is nothing in the guidelines that state the loan has to be more than a year old. I turned down a bs mod back in March and demanded Chase revisit the mod under the MHA program. I contacted my senators, I filed a complaint with the OCC, and I contacted an attorney whom wrote to Chase's attorney for our state and called numerous times to the Exec resolution. It took me a good 2 mths of raising holy hell. The supervisor whom told me I wasnt gonna get a better deal before all of a sudden changed her tune.
You might want to have an attorney submit a demand letter and Qualified Written request for a detailed accounting of your account as well as documents showing ownership of the loan. I was served a Notice of Sale where it states within the Notice if I disagree with the amount owed on the loan listed in it, I have 30 days to inform them in writing by certified mail. I did so and I believe the day or within a day of him receiving my request to cough it up, I was suddenly approved for the MHA trial Mod program. I really dont know what worked to be honest with you but I just kept demanding and answer in writing, they would not, I always cc'd everything to the OCC and would call the OCC up and then fax them updates constantly. In general I became a real pain in the arsh.

07-02-2009, 09:07 PM	#64 (permalink)
snapple candy Senior Member Join Date: Feb 2009 Posts: 1,307 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Home Affordable Modification on 40 yr mortgage and navigating Chase Az, Get ready for another round with Chase. There is nothing in the guidelines that state the loan has to be more than a year old. I turned down a bs mod back in March and demanded Chase revisit the mod under the MHA program. I contacted my senators, I filed a complaint with the OCC, and I contacted an attorney whom wrote to Chase's attorney for our state and called numerous times to the Exec resolution. It took me a good 2 mths of raising holy hell. The supervisor whom told me I wasnt gonna get a better deal before all of a sudden changed her tune. You might want to have an attorney submit a demand letter and Qualified Written request for a detailed accounting of your account as well as documents showing ownership of the loan. I was served a Notice of Sale where it states within the Notice if I disagree with the amount owed on the loan listed in it, I have 30 days to inform them in writing by certified mail. I did so and I believe the day or within a day of him receiving my request to cough it up, I was suddenly approved for the MHA trial Mod program. I really dont know what worked to be honest with you but I just kept demanding and answer in writing, they would not, I always cc'd everything to the OCC and would call the OCC up and then fax them updates constantly. In general I became a real pain in the arsh.