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elizabethlou · 11-02-2009, 08:53 PM

Hello Everyone,

I am new to this forum so here goes my long story..
I have a 30 year fixed loan with CW always made my payments on time
I am self employed and when the economy fell so did all of my business.
I contacted CW Jan 2009 telling them of my situation fell behind on my payments feb. I spoke to CW everyday and In March I was sent from the hope team new modified payments I was so Happy and relieved... My 1st new payment was due on May 1st I sent back all documents the next day in March.
The hope team said that my past due payments would be put on the back of the loan. the interest was going to be reduced for the first 5 years then go back to original interest of 5.75percent. I called them weekly and would ask them if I was def accepted for the loan mod and was told yes that we would not have received the documents if we were not accepted into the program.
Please note that my mtg payments were 5,000 per month that include my taxes. New payments were 3286.00 so I continue to make the loan mod payments on time.. Waiting for the new mtg documents that we were suppose to get... They never came So July 3rd I got some early fireworks a letter from BOA saying that I owe them $22,000 I got so sick that I had a sever anxiety attack and went to hospital .... My husabnd called BOA and they said that program they had no clue about it and anyway the Making homes affordable plan would be better anyway. So later in the month we get another Fed Ex envelope and fill out all papers send in all documets the next day. sent all of our bank statements profit & loss and such the new payment is 3000 1st payment Aug 15th No Sept pymt Oct1st Nov1st
I just made my last payment. So I would call weekly different story every time u speak to someone So I email Barbra Doser and Get a call next day from Juanice Neal. She said she has no idea why my first loan mod was not honored ( me neither

) Then calls me and leaves a message saying that they r going to honor our 1st loan mod this was end of Sept 2009. Next time I hear she tells me to speak to a David C he has been help full but he is not in underwriting?? and just tells me that his usual job is to put your past due payments on the back of you loan.. So kim Menser is the one who is in underwriting ?? anyone ever here of her there is no way to get in touch with her ever I tried email and such and when she does call she always needs papers that I have sent over and over again.... HELP in NJ

11-02-2009, 08:53 PM	#1 (permalink)
elizabethlou Senior Member Join Date: Nov 2009 Posts: 44 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Here's my story with CW BOA HELP Hello Everyone, I am new to this forum so here goes my long story.. I have a 30 year fixed loan with CW always made my payments on time I am self employed and when the economy fell so did all of my business. I contacted CW Jan 2009 telling them of my situation fell behind on my payments feb. I spoke to CW everyday and In March I was sent from the hope team new modified payments I was so Happy and relieved... My 1st new payment was due on May 1st I sent back all documents the next day in March. The hope team said that my past due payments would be put on the back of the loan. the interest was going to be reduced for the first 5 years then go back to original interest of 5.75percent. I called them weekly and would ask them if I was def accepted for the loan mod and was told yes that we would not have received the documents if we were not accepted into the program. Please note that my mtg payments were 5,000 per month that include my taxes. New payments were 3286.00 so I continue to make the loan mod payments on time.. Waiting for the new mtg documents that we were suppose to get... They never came So July 3rd I got some early fireworks a letter from BOA saying that I owe them $22,000 I got so sick that I had a sever anxiety attack and went to hospital .... My husabnd called BOA and they said that program they had no clue about it and anyway the Making homes affordable plan would be better anyway. So later in the month we get another Fed Ex envelope and fill out all papers send in all documets the next day. sent all of our bank statements profit & loss and such the new payment is 3000 1st payment Aug 15th No Sept pymt Oct1st Nov1st I just made my last payment. So I would call weekly different story every time u speak to someone So I email Barbra Doser and Get a call next day from Juanice Neal. She said she has no idea why my first loan mod was not honored ( me neither) Then calls me and leaves a message saying that they r going to honor our 1st loan mod this was end of Sept 2009. Next time I hear she tells me to speak to a David C he has been help full but he is not in underwriting?? and just tells me that his usual job is to put your past due payments on the back of you loan.. So kim Menser is the one who is in underwriting ?? anyone ever here of her there is no way to get in touch with her ever I tried email and such and when she does call she always needs papers that I have sent over and over again.... HELP in NJ