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Old 09-19-2009, 11:02 AM   #5 (permalink)
MNdaddy
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Re: WAMU/Chase; where I am in the process.

Update 9-19-09
Well, I had made my trial payments in Apr, May, and Jun, and then played the waiting game. One time I actually got a call back from my negotiator, who told me she had everything she needed and that my loan was with the "monitoring" dept, and to basically just hold tight. I made calls 3-5 times per month. Heard nothing.
Then, out of the blue, on Sept 10, a man came to my door and handed me a slip of paper that said he, at the request of WaMu, was an independent field inspector, and I needed to call WaMu or the Hope Line (that really made me nervous). I called WaMu immediately and was told that my loan is now with a new negotiator, who the service rep said should have already contacted me (she hadn't), and I explained my situation and was told I would hear from them within a week. Well it took slightly longer but today, 9-19-09 I got a call about my modification package, and they said they were missing the hardship affidavit. Well, I had only been instructed to write a hardship letter back in March, and had never received any "package" much less been instructed where to find the documents online, which is what they told me to do today. I explained all of the documents I had sent to my previous negotiator and they insist I need to send this affidavit form. "Gladly" was my response, and I verified that they were still working on the Obama plan for me, and she said yes, this was for a permanent mod under that plan. Of course, I won't believe it until I see it. I can afford the payments under the Obama mod terms they had given me for my trial earlier this year, and am hoping I get to start paying them, with the understanding that I am out of foreclosure. Hopefully that's the case soon. So, I'll send that form and follow up with some calls and see where it goes.
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