Update as of Today 1/20/09 to my story....
In preparing all of my information for the NACA, I found that there were even more issues with my loan that I was NOT made of aware at the time of closing. (Rest assured that the next time I ever by a home, I will be reading everything LINE BY LINE at the table!)
I found that I have a balloon payment due at the end on each of these loans along with all the other pretty lousy terms!
Additionally, since April of 2008, my home owners insurance has not been paid.
Even though there are many changes going on at IndyMac and the list of contacts possibly not accurate, I took the chance and sent my hardship letter to all *** has listed as well as to the CEO Mike Berkes. (The email to Mike Berkes was sent through the IndyMac bank system. After logging into my account, there is an area where you can contact him.)
Several emails came back to me, but a few went through and I received two responses today.
The first one was a bit discouraging - no greetings, salutations, or even a signature on this one - but the email came from
Mitch.Oringer@imb.com
1/20/09
"Unfortunately IndyMac Federal Bank is only able to offer loan modifications to customers who are seriously delinquent. At this time we do not have any options available to modify your mortgage although we are continuing to work with Investors to explore more options to provide for customers." About an hour later I received this email from another representative: "Good afternoon, Ms. XXXX:
Your email dated January 17, 2009 to Michael Bekes, First Vice President of Corporate Customer Experience, was forwarded to me to review and respond. I appreciate the opportunity to address your concerns.
From your email, I understand you have the following concerns:
(She basically summarized my loan issues here into three points.)
While I review these issues, please provide the following:
I am committed to reviewing your concerns and providing you with a resolution update on January 27, 2009 or sooner.
Respectfully,
Rachel Hofmann
Customer Advocate
Home Loan Servicing- Kalamazoo"
---------------------------------------------------------- This was a bit more encouraging! I will continue to complete my application for the NACA and have it submitted while I see if IndyMac is able to assist me in anyway. Hope this helps someone out there!
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