Loan Modification Forum - LoanSafe.org - View Single Post

Katie3773 · 03-24-2009, 07:37 PM

As I sit here living this with all of you people, I think WOW, REALLY Countrywide, Really?? I'm thinking they think I'm an idiot, it's rather insulting! I am in the third, yes third supposed modification process, ya know cuz they lost my docs, oh I never sent them back the garbage modification ON TIME, Oh and my financials didn't look good, but they have this really good mod that just came out and I look to have a "A+" application, so here I sit waiting on the THIRD while they take FULL action of foreclosure in front of my face, on my little place on the universe... I run straight to and call everytime I get a notice/ registered letters etc. BUT, the kid in INDIA tells me"BE PATIENT THIS TAKES TIME, they will not move forward, while the process is on going, you SEE" wHATEVER!! So I just called them and asked them if they recieved all my paperwork for the third mod THAT I NEVER FAXED and the snotty 19 year old, bubble gum popping, attitude having kid says "YES we are just backed up, as you may imagine. Everything looks good, just wait and send no money and do not worry" (cuz she said so, she represents my lender, you know CW) gave me another date and to not call before then and they will be able to tell me the outcome and my long awaited fate....YA RIGHT!!!!!!!!! REALLY COUNTRYWIDE????? Actually people I am so disgusted, I need an attorney, do not know who to trust the last of my monies too, that would possibly be used to get into an apartment because my 14 y/o who was raised here his whole life DOES NOT LIKE SLEEPING IN TENTS, oh and my two dogs that have both lived here for ten of the 14 years, can't go to an apartment, and I'm not inhumane anyway! It's an educated guess and a hugh risk, to try to trust anyone anymore because look where that got me fast! Oh and the slum bokedown brokers are doing mods<------REALLY? You're gonna take my money and do the same thing I can do for myself??? I go out on a limb, get a check cut to an attorney, finally make peace with my decision, am not asking for a miracle here, feeling confident I gather my gagilllion documents, write my letter, put everything in a pretty big envelope to overnight and I had to email Mr. Henderson to get the overnight address because I could not find the sticky I wrote in on, in anticipation of his email back I get Henderson is no longer working here or whatever, WHAT??? I am fortunate to not have sent in the docs, for my file and check would be I'm sure sitting in a larger pile, and assigned to no one, or the person they kept who just now has a larger work load, and now a ex employee who I felt somewhat comfotable with telling me not to worry, he'll let me know what to do, but they fired him supposedly? Then calling the comapny and leaving a message of my concerns, because I am sure they foresaw all of this, and I just wanted to entertain the thought that ok, I am sure we can work thru this.. TO HEAR NOTHING!! (i am supposed to be happy here, guys) Not to mention my time spent ON THEIR paperwork because I have nothing else to do, like try to survive, keep my head in the game,smile and pretend I'm not sick inside, like the feeling I had when I signed the Wonderful jumbo surpiSe oh and what a wonderful surprise it had been. I take responsibility for my part in this, I was a somewhat uneducated in real estate and morgage,homeowner at 21 but this seasoned broker was sure making a lot of sense and picking a payment was even gonna be fun, cuz you know need extra cash at Christmas, PICK A PAYMENT, Wanna get caught up on your bills, cause you are OF the 7 day a week working poor? just pick a payment..I was fine !! I was lead to believe that somehow this was only to help me and end up saving me thousands (IT was thousands, oh like $28,000, all the while I should have heard them laughing all the way to the bank)....I am at a crossroad and I am running out of time, I mean time is of essence here, I WANT SOME ADVICE on what you think I should do? I want to fight for my home, I understand it is only a possestion, but I worked tooth and nail for it and I'm fighting tooth and nail to keep it!!!! Should I take a leap of faith? Sure I'll get modified, with an Attorneys help or even with my own doings! I am not sure how I would be able to handle another scam, the thought that their out there doing it sickens me but, that goes with the territory..I am very comfortable walking away if every avenue has been exausted, why can't they just work with me to have comfortable payments, I don't care about the principle reduction as long as we can extend the life of the loan, anything that works, to SAVE MY HOME,HELP!!! CW really shocked me, I suddenly felt like a goldfish in a shark tank, with the dreary reality, that I fell for their tricks and garbage run around, get off the merry- go round and fight! Thank you very much to you oh so kind people for this forum!

03-24-2009, 07:37 PM	#1 (permalink)
Katie3773 Senior Member Join Date: Mar 2009 Location: Vallejo, California Posts: 121 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	CW Shocked Me! As I sit here living this with all of you people, I think WOW, REALLY Countrywide, Really?? I'm thinking they think I'm an idiot, it's rather insulting! I am in the third, yes third supposed modification process, ya know cuz they lost my docs, oh I never sent them back the garbage modification ON TIME, Oh and my financials didn't look good, but they have this really good mod that just came out and I look to have a "A+" application, so here I sit waiting on the THIRD while they take FULL action of foreclosure in front of my face, on my little place on the universe... I run straight to and call everytime I get a notice/ registered letters etc. BUT, the kid in INDIA tells me"BE PATIENT THIS TAKES TIME, they will not move forward, while the process is on going, you SEE" wHATEVER!! So I just called them and asked them if they recieved all my paperwork for the third mod THAT I NEVER FAXED and the snotty 19 year old, bubble gum popping, attitude having kid says "YES we are just backed up, as you may imagine. Everything looks good, just wait and send no money and do not worry" (cuz she said so, she represents my lender, you know CW) gave me another date and to not call before then and they will be able to tell me the outcome and my long awaited fate....YA RIGHT!!!!!!!!! REALLY COUNTRYWIDE????? Actually people I am so disgusted, I need an attorney, do not know who to trust the last of my monies too, that would possibly be used to get into an apartment because my 14 y/o who was raised here his whole life DOES NOT LIKE SLEEPING IN TENTS, oh and my two dogs that have both lived here for ten of the 14 years, can't go to an apartment, and I'm not inhumane anyway! It's an educated guess and a hugh risk, to try to trust anyone anymore because look where that got me fast! Oh and the slum bokedown brokers are doing mods<------REALLY? You're gonna take my money and do the same thing I can do for myself??? I go out on a limb, get a check cut to an attorney, finally make peace with my decision, am not asking for a miracle here, feeling confident I gather my gagilllion documents, write my letter, put everything in a pretty big envelope to overnight and I had to email Mr. Henderson to get the overnight address because I could not find the sticky I wrote in on, in anticipation of his email back I get Henderson is no longer working here or whatever, WHAT??? I am fortunate to not have sent in the docs, for my file and check would be I'm sure sitting in a larger pile, and assigned to no one, or the person they kept who just now has a larger work load, and now a ex employee who I felt somewhat comfotable with telling me not to worry, he'll let me know what to do, but they fired him supposedly? Then calling the comapny and leaving a message of my concerns, because I am sure they foresaw all of this, and I just wanted to entertain the thought that ok, I am sure we can work thru this.. TO HEAR NOTHING!! (i am supposed to be happy here, guys) Not to mention my time spent ON THEIR paperwork because I have nothing else to do, like try to survive, keep my head in the game,smile and pretend I'm not sick inside, like the feeling I had when I signed the Wonderful jumbo surpiSe oh and what a wonderful surprise it had been. I take responsibility for my part in this, I was a somewhat uneducated in real estate and morgage,homeowner at 21 but this seasoned broker was sure making a lot of sense and picking a payment was even gonna be fun, cuz you know need extra cash at Christmas, PICK A PAYMENT, Wanna get caught up on your bills, cause you are OF the 7 day a week working poor? just pick a payment..I was fine !! I was lead to believe that somehow this was only to help me and end up saving me thousands (IT was thousands, oh like $28,000, all the while I should have heard them laughing all the way to the bank)....I am at a crossroad and I am running out of time, I mean time is of essence here, I WANT SOME ADVICE on what you think I should do? I want to fight for my home, I understand it is only a possestion, but I worked tooth and nail for it and I'm fighting tooth and nail to keep it!!!! Should I take a leap of faith? Sure I'll get modified, with an Attorneys help or even with my own doings! I am not sure how I would be able to handle another scam, the thought that their out there doing it sickens me but, that goes with the territory..I am very comfortable walking away if every avenue has been exausted, why can't they just work with me to have comfortable payments, I don't care about the principle reduction as long as we can extend the life of the loan, anything that works, to SAVE MY HOME,HELP!!! CW really shocked me, I suddenly felt like a goldfish in a shark tank, with the dreary reality, that I fell for their tricks and garbage run around, get off the merry- go round and fight! Thank you very much to you oh so kind people for this forum!