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Cassietw · 03-25-2009, 06:11 AM

I am distraught.... I am sitting at my kitchen table in my diningroom on my laptop crying at 6am.

I just had my second NACA phone interview. I was so excited to get the call this morning to finally get this rolling.

Unfortunately the person I got today was not very friendly.

Last time I had a phone interview they said they didn't get my paperwork. Now the woman says I didn't send the right stuff. I sent everything they asked for on the website plus everything the last person told me to send. The woman said, "you didn't send your hardship letter. I told her I did and then she found it. She asked me who was self-employed, I said no-one. She asked me why I sent my bank statements????? I told her the website said that was what was needed and she said well I have these statements in my way... let me see what else you didn't send. Then she said I didn't send my property tax statement, then I told her it was the 3rd to last page of the submission (a print out from the tax assessors website-the last person I spoke to said it would be sufficient as my taxes are impounded in my mortgage) she said it was not sufficient.

Then she said I didn't send the last pay stubs for the month of March. My husband and I don't get paid until TOMORROW! 10th and 26th each month!

Then she said I didn't send the signed authorization! I told her it was last 2 pages of the submission, she said, oh there it is.....

I am getting really scared! I started this with NACA on March 6th. I am no closer to a submission to my lender than I was the first time I submitted my info to NACA over 3 weeks ago.

This woman popped my happy HOPE bubble this morning!

I am so tired of crying....

NACA experience time line:
2/25/2009 Found Loansafe.org
2/26/2009 Researched everything I could find out about NACA (was afraid it
was a hidden fees scam) ITS NOT!

3/06/2009 Faxed documents to NACA ~DID NOT WORK~
3/06/2009 Emailed documents to NACA ~DID NOT
WORK~
3/11/2009 Phone Appointment NACA, ~NACA said they did not receive my docs,
discussed needed 2 addtl' docs and rescheduled to 3/17/09~
3/16/2009 Emailed data to NACA ~DID NOT WORK~
3/16/2009 UPLOADED to NACA Website ~ 43 Pages Successful!!~
3/16/2009 UPLOADED to NACA Website ~ 2 Pages Successful!!! Monthly expense
breakdown~
3/17/2009 (3) Phone Appointments NACA ~NACA no show~ (They were backlogged
due to Save the Dream Event SC)
3/18/2009 (3) Phone Appointments NACA ~NACA no show~ (They were backlogged
due to Save the Dream Event SC)

3/25/2009 Phone Appointment NACA 5am ~NACA called at 5:42 am.

03-25-2009, 06:11 AM	#60 (permalink)
Cassietw Senior Member Join Date: Feb 2009 Location: Foothills-Los Angeles Posts: 486 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Failure is not an option for us.... I am distraught.... I am sitting at my kitchen table in my diningroom on my laptop crying at 6am. I just had my second NACA phone interview. I was so excited to get the call this morning to finally get this rolling. Unfortunately the person I got today was not very friendly. Last time I had a phone interview they said they didn't get my paperwork. Now the woman says I didn't send the right stuff. I sent everything they asked for on the website plus everything the last person told me to send. The woman said, "you didn't send your hardship letter. I told her I did and then she found it. She asked me who was self-employed, I said no-one. She asked me why I sent my bank statements????? I told her the website said that was what was needed and she said well I have these statements in my way... let me see what else you didn't send. Then she said I didn't send my property tax statement, then I told her it was the 3rd to last page of the submission (a print out from the tax assessors website-the last person I spoke to said it would be sufficient as my taxes are impounded in my mortgage) she said it was not sufficient. Then she said I didn't send the last pay stubs for the month of March. My husband and I don't get paid until TOMORROW! 10th and 26th each month! Then she said I didn't send the signed authorization! I told her it was last 2 pages of the submission, she said, oh there it is..... I am getting really scared! I started this with NACA on March 6th. I am no closer to a submission to my lender than I was the first time I submitted my info to NACA over 3 weeks ago. This woman popped my happy HOPE bubble this morning! I am so tired of crying.... NACA experience time line: 2/25/2009 Found Loansafe.org 2/26/2009 Researched everything I could find out about NACA (was afraid it was a hidden fees scam) ITS NOT! 3/06/2009 Faxed documents to NACA ~DID NOT WORK~ 3/06/2009 Emailed documents to NACA ~DID NOT WORK~ 3/11/2009 Phone Appointment NACA, ~NACA said they did not receive my docs, discussed needed 2 addtl' docs and rescheduled to 3/17/09~ 3/16/2009 Emailed data to NACA ~DID NOT WORK~ 3/16/2009 UPLOADED to NACA Website ~ 43 Pages Successful!!~ 3/16/2009 UPLOADED to NACA Website ~ 2 Pages Successful!!! Monthly expense breakdown~ 3/17/2009 (3) Phone Appointments NACA ~NACA no show~ (They were backlogged due to Save the Dream Event SC) 3/18/2009 (3) Phone Appointments NACA ~NACA no show~ (They were backlogged due to Save the Dream Event SC) 3/25/2009 Phone Appointment NACA 5am ~NACA called at 5:42 am.