I know we all have long, complicated stories so Ill try to keep mine short.....
I initially applied for a
loan modification through
Countrywide on 10-13-08. I finally received two modification packages within a week of each other in the first few days of January 09. I accepted the one, much better I should add, from the Hope Team. The other was from the Home Retention Department. I inquired as to when it my online account would reflect these changes since it still said I was past due since Nov 08. They told me 30-90 days and it would be update in their system. I waited...called them again.......and waited and called again, and again.....They kept telling me they were backlogged and that it takes awhile....blah blah. They had received my signed and notarized papers and always told me exactly what my modification details were every time I called and asked when I could view it online.
Ive made my new payments for about 5 months now and each time called to make sure they received them and also to inquire when I my account would finally relfect these changes.
Well, about a week ago I called, once again to inquire as to when my account would be updated. I entered all my information and it sent my call directly to the foreclosure dept. The rep told me that I owed **insert ridiculous amount here** but since they completed the modification it may be different.
I told him I wouldnt owe that if my mod was completed and he said oh, well it looks like it was cancelled.
Im sorry, what? He just told me in pretty much one breath that the modification was completed and cancelled? He also said he didnt have that many details as to why it was, but that it was cancelled on FEBRUARY 2ND!!! Not a soul told me in the past 5 months every time I called!!
They applied the payments I had been making per the modification to my account which brought it just shy of me being 5 months behind now?
Words cant even describe the emotions Im feeling....