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Lisa in MN · 11-28-2008, 10:18 AM

Hi Guys,
Mostly just needing to vent here. I am so tired of dealing with this. I see all these news reports on what mortgage companies are doing to "help homeowners", how mortgage companies "don't want your home" and on and on. I see very little actually being done for people- myself included. While I know I am responsible for our current situation and I feel very guilty about not paying my mortgage and letting it go to foreclosure, I strongly feel we were taken advantage of predatory lending back in 2000. I have tried to play the game all these years and would up worse off than ever. I have been ignored, treated badly and outright lied to by WAMU representatives and as far as I am concerned I am DONE dealing with them. I have called Hope Now- had to leave a message for someone to call me back. WAMU refused to tell me who the investor is on our loan so Wednesday I called freddie mac- they are not, and I left a message for Fannie mae to see if it is that entity. MERS only gives info on servicers, so that went nowhere. I have composed a letter to Chase CEO which I will fax later today. I will contact the bank that was willing to try to get WAMU to agree to a short refi- to see if they will reopen our file ( I wanted to try to negotiate with WAMU on my own because someone said they will respond better to the homeowner better than a bank or attorney- what a joke that is). Beyond that I am DONE. The sheriffs sale was extended to Jan 4 while in loan mod status- which was a joke- and in MN we have a 6 month redemption period. So, I will plan to find a lovely rental and move once school is out for my daughter.
I am done having any kind of hope, only to be constantly frustrated and let down.
I have done all I can.
Best wishes to all of us struggling. This time of the year always reminds me of what truly is important. A house is just 4 walls until you make it a home yourself. I have to continue to stay in that mindset with my house of 18 years.

Happy Holidays
Lisa- sad but resigned it will be ok whatever the outcome

11-28-2008, 10:18 AM	#51 (permalink)
Lisa in MN Senior Member Join Date: Sep 2008 Location: Minnesota Posts: 132 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Exhustion Hi Guys, Mostly just needing to vent here. I am so tired of dealing with this. I see all these news reports on what mortgage companies are doing to "help homeowners", how mortgage companies "don't want your home" and on and on. I see very little actually being done for people- myself included. While I know I am responsible for our current situation and I feel very guilty about not paying my mortgage and letting it go to foreclosure, I strongly feel we were taken advantage of predatory lending back in 2000. I have tried to play the game all these years and would up worse off than ever. I have been ignored, treated badly and outright lied to by WAMU representatives and as far as I am concerned I am DONE dealing with them. I have called Hope Now- had to leave a message for someone to call me back. WAMU refused to tell me who the investor is on our loan so Wednesday I called freddie mac- they are not, and I left a message for Fannie mae to see if it is that entity. MERS only gives info on servicers, so that went nowhere. I have composed a letter to Chase CEO which I will fax later today. I will contact the bank that was willing to try to get WAMU to agree to a short refi- to see if they will reopen our file ( I wanted to try to negotiate with WAMU on my own because someone said they will respond better to the homeowner better than a bank or attorney- what a joke that is). Beyond that I am DONE. The sheriffs sale was extended to Jan 4 while in loan mod status- which was a joke- and in MN we have a 6 month redemption period. So, I will plan to find a lovely rental and move once school is out for my daughter. I am done having any kind of hope, only to be constantly frustrated and let down. I have done all I can. Best wishes to all of us struggling. This time of the year always reminds me of what truly is important. A house is just 4 walls until you make it a home yourself. I have to continue to stay in that mindset with my house of 18 years. Happy Holidays Lisa- sad but resigned it will be ok whatever the outcome