[mto66]

Hi,

I had the same issue. I finally contacted someone with the Home Preservation called Nova Debt. I called Friday, January 2nd. I talked to a loan counselor for about an hour. Gave her all of my financial information and explained that my rate increase and frustration at the run around with Countrywide. I had been calling up to 3x/day and could literally get two answers from one person. She called with me on the phone and again got ridiculous information. She was appalled at the information I was given. We then called the HOPE team and again I was told my information wasn't there.

Make a long story short: She forwarded on my file to her supervisor. On Thursday she said that her supervisor had forwarded it on to Countrywide. Friday morning she had a negotiator who had contacted her. Friday afternoon I got a call from Countrywide with my modification back to the orig. rate and Sat morning (at 11 am) I received my fed ex package.

Amazing!!! In the meantime I have received a call from NACA and I was told I could still try to do a restructure to a better rate as my orig rate was 8.28. I am going to accept the modification and go forward with the restructure. I made an appt with NACA for a phone session on Sat. 1/10 @9 am. And I was called precisely at 9 am.

My suggestion is to go through one of the agencies available. I wish I would've known this information when I submitted my paperwork in October!!!