I have been attempting to get a loan mod for appx 1.5 years. Finally Jan 1 2010 started on HAMP trial mod. March got another offer from BofA and turned it down. Unfortunately later found out that BofA outsources document collections and when I turned the 2nd mod offer down - the outsource company switched my loan mod to "off". Took 2 months to get it turned back on and I've had nothing but problems since. Had to complain 3 times to CA's AG office and finally got BoA regulatory and a BofA Analyst working on my "approved" HAMP loan mod. However, the outsource company's program kept switching me to "off" so they had to get upper management involved to get me thru in 24 hour periods. Got me thru to final per mod paperwork division only to have BofA's inhouse program not connect my mod to their "table" which actually prints the docs. Also, get this. Even though I have been told repeatedly I am approved for a HAMP mod, the regulatory Analyst "in case you are given a decline letter call me immediately and we'll work on other programs". What is this, another bait & switch? In any case, until this "table" program is taken care of, I'm still not approved. August 1 will be the 8th trial program payment due. Sorry, no permanent mod doc by 8/1 ? I'm going to Short Sale thru the HAFA Freddie Mac program and I'm going to refuse to make any more payments. I was doing HAMP because I have a 2nd and needed it to be permanently modified as well. If HAMP doesn't go thru I'm not doing an in-house cause I will be retiring soon.
Anyone else out there having "Switching" problems thru the MOD program and "table" problems thru their perm mod paperwork program?
Can't be just me. I'm not special.