Loan Modification Forum - LoanSafe.org - View Single Post - Modification? Forebearance? I'll Flip a Coin!

Calli09 · 04-15-2009, 03:59 PM

Well, today I get home, there is another automated msg on my machine from Chase saying, call us about the Fedex pkg you received.....I called, and the guy that answered was trying to tell me that the pkg pmt is supposed to be in addition to the money I already owe......BS!! Not what the girl told me on Saturday when I called. Think they changed their minds now that I Fedex'd their first pmt to them......what a crock. I told him that is NOT what I was told. I was told to start making the pmts. I am behind by 2, march and april.....then he could not tell me why the auto msg today, when the pkg was received last Thurs and I called on SAT, mailed the pkg back on MON. He then told me the 3 pmts will be put towards what I am currently defaulted at, then will still need to pay the rest up front. I said if I could not afford to pay x2, why would I pay the 1st fedex pmt and also what I am past due????? Lord. Tomorrow I will call back the exec team lady that gave me her extension, as I still have not heard from her on the NOD letter. As for them saying they will just show up, thats a crock too. Any time they have left me a msg, I have called. In fact, I started this whole thing back in the end of Jan, if you read my 1st post....BEFORE I became delinquent. Now, this makes me wonder even more about the may payment that the gal on Saturday told me to skip......(how convenient for them). I asked the guy on the phone today where he was, he said Buffalo, NY. Said they are a 3rd party co that Chase hired to take all these calls. Its not even Chase people giving us this bogus advice, so once again, Chase drops the ball and lets someone else do the job! Guy said there are about 100 of them in this call center.

Snapple Candy, you just said what I think. interests rates go up and the final loan terms are more favorable in the end to the lender. Are they trying to see what kind of shape the house is in so if they foreclosure they have a good idea how fast they can move it? You are right on the money. I can hear them now..."Hey, looks pretty decent, we should be able to get $$ for this, lets foreclose! Sorry for the rant, just really pissed as they never bothered to help me before I got late. Now am in big fear of losing job again, due to economy, so if that happens, I can't even make the mod.....then what? Lord.

04-15-2009, 03:59 PM	#70 (permalink)
Calli09 Senior Member Join Date: Jan 2009 Posts: 114 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Modification? Forebearance? I'll Flip a Coin! Well, today I get home, there is another automated msg on my machine from Chase saying, call us about the Fedex pkg you received.....I called, and the guy that answered was trying to tell me that the pkg pmt is supposed to be in addition to the money I already owe......BS!! Not what the girl told me on Saturday when I called. Think they changed their minds now that I Fedex'd their first pmt to them......what a crock. I told him that is NOT what I was told. I was told to start making the pmts. I am behind by 2, march and april.....then he could not tell me why the auto msg today, when the pkg was received last Thurs and I called on SAT, mailed the pkg back on MON. He then told me the 3 pmts will be put towards what I am currently defaulted at, then will still need to pay the rest up front. I said if I could not afford to pay x2, why would I pay the 1st fedex pmt and also what I am past due????? Lord. Tomorrow I will call back the exec team lady that gave me her extension, as I still have not heard from her on the NOD letter. As for them saying they will just show up, thats a crock too. Any time they have left me a msg, I have called. In fact, I started this whole thing back in the end of Jan, if you read my 1st post....BEFORE I became delinquent. Now, this makes me wonder even more about the may payment that the gal on Saturday told me to skip......(how convenient for them). I asked the guy on the phone today where he was, he said Buffalo, NY. Said they are a 3rd party co that Chase hired to take all these calls. Its not even Chase people giving us this bogus advice, so once again, Chase drops the ball and lets someone else do the job! Guy said there are about 100 of them in this call center. Snapple Candy, you just said what I think. interests rates go up and the final loan terms are more favorable in the end to the lender. Are they trying to see what kind of shape the house is in so if they foreclosure they have a good idea how fast they can move it? You are right on the money. I can hear them now..."Hey, looks pretty decent, we should be able to get $$ for this, lets foreclose! Sorry for the rant, just really pissed as they never bothered to help me before I got late. Now am in big fear of losing job again, due to economy, so if that happens, I can't even make the mod.....then what? Lord.