I have been trying to apply for a Loan Modification since Dec. 2009 & stopped making my mortgage since January 2010. Just like most of us, BofA was giving me the run around. So I emailed the OOP on 7-26-10 & on the same day, Customer Advocacy – Cindy Repreza called me & said my file will be “escalated” to a “Senior Negotiator” – Cainan Anderson.
On 7-30-10, I refaxed everything to Neg. Cainan & he confirmed he got my fax & that I am not missing any documents. However, I still do not know if I will be approved for a Loan Modification or not. Neg. Cainan said he will postpone the Trustee’s Sale, but how can I trust or know for sure he will actually do that? Can I ask my Negotiator to show me proof in writing that the auction date is really postponed or is there any way for me to check? I do not want another false promise from BofA then find out later I lost my house.
Trustee’s Sale reads that my house will be auction on 9-10-10. I live in California and CA. Foreclosure Law gives the borrower before the 5th day of the Trustee’s Sale to reinstate my mortgage. How can I find out the exact reinstated amount & successfully reinstate my mortgage? What kind of payment (i.e. certified check, cashier’s check, etc…) will BofA accept & where do I mail reinstated payment to? I do not want the village idiots at customer service to quote me the wrong amount & I pay incorrectly & BofA still forecloses on me. (I am planning ahead of time if the Loan Modification does not get approved).