I started calling
CW in October 08, got the runarounds and all the rest that everyone here seems to experience. Finally, got someone in California to listen to me and then I got 3 "loan mods" in 3 weeks! All BS, just tacking on many thousands of dollars to my principal and lowering my monthly payment a little bit for 5 years.
I told them it was unacceptable, haven't paid March or April yet and sent in my info to NACA...have a phone appt with them tomorrow evening. Keeping my fingers crossed....
In the meantime, I am sending emails to all the government officials I can find to let them know the games Countrywide/Bank of America are playing with the taxpayer bailout money....who is going to be held accountable for what these companies are putting their customers through especially if it's a hardship situation? I will never understand why they won't lower the rate but would rather sell it as foreclosure or short sale - if they lowered the rate the original homeowner would wind giving them just as much in interest and sometimes more than a short sale would.....