Hi everyone! Here is my story and I am hoping someone can help. I call Countrywide everyday and I always talk to someone different and I am telling you all the left hand doesn't know what the right one is doing. Here are some of the problems I have been facing with the loan modification program. In my excitement I mailed back the last 2 pages but not the cover page of my loan mod agreement. Within that week I received a call from them telling me what I had done. In the course of the ensuing conversation it was determined and agreed upon that I send the missing page..no problem. Well, I did but to the wrong address. My girlfriend went online and got a bunch of
CW contact info and I started making calls. I eventually talked to Elizabeth Lopez a customer care specialist. After explaining what happened she took my number and said she'd call me back ASAP. Within half an hour she did and she told me she went to the other
CW bldg next door, found the cover page and it had been mailed off to the correct address. A week or two later I was told I was approved and to start sending my payments. As i said before I call everyday...well...during one of these calls I was told they were going to have to reorder the documents and then I would have to notarize, sign and send back just as before and to make sure I send them all together and to the right address in order for them to have the proper paperwork and not to worry I was in the program and to send the payments. Starting in September I began mailing the agreed upon payment amount and currently I have sent two of these payment(mailed Sept.23 and Oct.23) only to find out on 11-10-08 that the second one was being returned to me and no one seems to know why. I then requested to have my loan negotiator call me but they said they do not know who it is or that they couldn't give me a name. I was also told for the fourth time they were going to send me another set of loan documents to resend. I was told the first guy back in September never ordered them at all and I have been told another two times that they would be reordered on October 17 and October 30 and I should receive them within 10 days to no avail. At the outset I was assured that the foreclosure process and any penalties would be stopped as I had been approved for a modification, however, I also found that to be untrue on 11-10-08. Yesterday, 11-15-08, the second payment arrived back to me in my mailbox. The reason they stated was that it did not reflect the full amount due yet it states nowhere on this paper what this amount is. It seems as if they are trying to make it sound like I am just not paying my mortgage, almost, as if they're trying to make like the payment had nothing to do with a loan modification agreement. They seem to also be trying when I call to push me to the December 1st program instead. I am now wondering where the first payment was applied since they are not accepting the second payment, should I still send the 3rd payment and am I really in foreclosure now. This is killing me as I have a 3 year old daughter who grew up in this house and tells everyone about HER house all the time and also an 8 and a half month old daughter and with winter approaching would really like to keep them from ending up homeless. Again any help would be great. Thanx.