For My Family

[diana0806]

Hey snapple, i truly believe in my heart that i have come to far to be denied. You also!!! I am in the right here. I truly believe this sup. In ohio is my guardian angel. Great guy. He cares. You can tell after fighting for 20 months who wants to help and who really just wants to tell you what you want to hear to get off the phone. I am sorry about your sick child. My wife has a horrible muscle disease that causes horrible pain daily. Some days are better than others. I have bad pain also with rods all over my body from a job related injury. My 3 kids know nothing of this situation. We just put on a brave front and know we will prevail!!!!!! Your health is the most important thing in life. Thank god for this site with people like you,moe, *** giving support and advice. Hang in there and keep us updated. We will prevail!!!!!!!!!

[diana0806]

Hey all, sorry i have not been on. Spending time with 3 kids. Waiting for my rep. In ohio to call. He called and said the guy he talked to on june 26th forgot to follow up. He said i should be getting a call from person handling my file within a week. He told me i would have to send first payment august 1st without paperwork because they would not be drawn up in time. I told him i do not feel comfortable doing that without something in writing since it has been 20 months of lies , misinformation and bad mod. Offers. He told me wait for the person to call and see what can be done. There is no way i am sending a dime without something in writing. I hope everyone is well. Fight-fight-fight. We will prevail!!!!!!!!!!!

[chasepmt2hot-firefighter]

diana0806, anything lately?

[minknmelissa]

I have been going through thisl process since march myself i have been denied over and over again. I just keep praying that God will make a way for this to work for my family we have five children. But I am going to be praying for all your families too I know that God never gives us more then we can handle, I always say he believes in us more then we believe in him.

[diana0806]

Hey, mink thanks for your words of encouragement. I truly believe those words. Firefighter thanks for asking- update- kept calling supervisor in ohio. Finally called me friday. He keeps e-mailing and calling loan mod. Division. He says no one is responding to him yet. He is on vacation this week. No calls for anyone from loan division to update my file. So it looks like they have not gotten to it yet. It is in the hands of supervisor in ohio when he gets back. I could not make this up. I will update you when i here something. We will prevail!!!!!!! They have destroyed my mortgage. But i will get what i need. Any judge would side with my family if he heard this story. I hope it doesn't get to that. . I have faith in sup. In ohio.

[river22]

Hi Diana, I see that Chase still has not come to the plate with you. I am praying for you and all the other families that are at battle with Chase bank. I too have not been offered a decent modification. I have only received a forbearace plan of payments at 5200.00 per month for the next 3 starting on Sept 1st. I am not comfortable with this as I have not heard of anyone getting a mod after the 3 month trial period. Please keep me posted on you mod as I will do the same. I am now 1 year and 5 months into this nightmare. My home is worth 40% less than what I owe on it, and I am tired.

[diana0806]

Hey river, i am tired too!!! I have three young children and a sick wife. Here is what has transpired- (1) denied after waiting 5 months because needed a relief of stay from bk 13. I got that. (2)- after losing my paperwork 6 times it took another 6 months to get a horrible offer. Which i declined.(3)- took another 4 months for another crappy offer. Which i declined (4)- called charles schraff , one of ceo' s who got a 15 million dollar bonus in 07, threatened nicely to bring my wife and kids to his office in nyc to discuss the the way 2 disabled people with three young children have been treated by the loan mod. Division. I even offered to bring a happy meal for him. (5)- since feb. Have been working with executive res. Sup. In ohio.(6) in april, got a forb. Agreement at 4,700. A month. A joke!!!!!! (7)- finally qualified for obama plan. They said they sent it fedex may 20th. Never got it. File closed june 16th. Waiting for a call from rep. Who has new file. I know the rep. Will need updated bank statements. No call yet. My supervisor in ohio is calling and e-mailing reps. Supervisor. No response yet.i could not make this up. I will win this. Hang in there. Also, told not to make payments in beginning. It would be rolled in back of loan. When denied, i tried to make payment, would not accept because 90 days past due. They have destoyed my mortgage. Owe 385,000 now. House worth 295,000. We will prevail!!!!!!!!!!

[Zoey24]

Diana0806,

The is like watching a soap opera! I can't believe these people at what point will they stop torturing they're customers. Hang in there I know you have the will to fight!!!!! You will prevail.

[Chased around and around]

diana, That is one heck of a story you have going there. Of all the stuff I read and hear you deserve a medal for putting up with all this.

Hope it comes out in the end for you and your family.

I am sure you will keep us posted.

I have only been in this mess since Feb, but I am not keeping up any hope so if anything does become positive I will be surprised...

[diana0806]

Hey zoey, hope all is well. Thank you for your support. Hey chase round- i deserve a medal for the b.s. I do this for my kids and wife. We have no place else to go . We will prevail!!!!!!!! Everybody call-call-call.

[diana0806]

Update- got call from my supervisor in ohio yesterday . I should be recieving my trial package in 7-10 days. He talked to a supervisor. Payments are 9/1-10/1-11/1. My payments went from 3,900 to 2278.which is 31% of my income. My buddy in ohio said he will help me until i get perm. Mod. Great guy. Now let' s see if it arrives. I will keep all updated. Keep fighting. Never give up. We will prevail!!!!!!!!!!!!!!

[AboveWater]

Diana,

Congratulations!! So great for you!!

Do you mind me asking .. the "31%" you mention, is that including the insurance and tax escrow?

By the way, who is your supervisor?

All of this is so awesome for you!

Best,
AW

[CHANLY]

Great news Diana, hopefully it's one step closer to the end! My last phone call actually produced my trial paperwork the next day, hope yours does too!

[diana0806]

Thanks all!!!!!!!!! Yes, it is does include taxes and escrow. His name is chris noon. He is located in ohio. Everyone hang in there. We will prevail!!!!!!

[diana0806]

Update- recieved papers by fedex yesterday. This fight started in nov. 07 till yesterday. I know this is first step. 3 months trial. 9/1-10/1-11/1. Pretty unbelievable. I am waiting for someone to call to discuss offer and to voice any concerns. I have many. All these lates caused by chases horrible mod. Division. I want them removed. Well, i am putting the cart before the horse. I am relieved and happy. I will take one step at a time. Thank all for your support. Please- never give up. Fight-fight-fight. I will update all. We will prevail!!!!!!!!!!!

[Zoey24]

CONGRATULATIONS! You finally won the fight...Great job! You aren't kidding when you say keep up the fight because you are proof that We will prevail!!!!!

[diana0806]

Thanks zoey for keeping up your support. Also everyone else. This is the first step. Without this site and all who gave my family and i love and support during the most stressful time of my life. Chase treats people so horribly with misinformation, lost paperwork and rudeness. That is my experience. I cannot add up the 100's of hours spent on the phone, faxing and just thinking about this modification. I will just make my trial payments and see what they give me. My guy in ohio said to write a seperate letter detailing what has gone on from nov. 07-till present. I still do not trust chase until i get a perm. Mod. That helps me. Everyone must keep fighting. I will keep all updated. We will prevail!!!!!!!!!!!

[AACPA]

Diana0806


Congrats to you! I hope all goes well for you and your family! Stories like yours is what keeps the rest of us motivated to keep up the fight. Thank you so very much for coming here and taking the time to post your story and keep it updated. Yours is a very inspirational story and truly is a help to the rest of us still fighting Chase. ~hugs~

[diana0806]

Thank you aacpa for your very kind words. We will prevail!!!!!!!!!!!!!!!!!!!!! Keep fighting.

[diana0806]

Update- you will not believe this. Ready to sign obama plan and sent first of 3 payments but wait- got call from person handling my file.there was a mistake in my payment. It was off by 14 dollars. Have to send 2 new bank statements and get new paperwork and start on oct 1st. I cannot make this up. Faxing bank statements today. Hopefully paperwork will arrive by oct. 1st. They have to close my old file and start a new one. 22 months of bull......!!!!!!!!! I will keep fighting. We will prevail!!!!!!!

[rachel_p]

Diana, I can't believe they just did that to you. Once you breathed a sigh of relief from getting the trial, and then they tell you to hold up because of $14. Ridiculous.

Can I ask how many months behind on your mortgage you were when you got "approved" for the trial? We are currently 6 months behind.

Is it Chase that is considering your modification, or is there an investor outside of chase making the decisions?

[CHANLY]

To date I think this might be one of the most ridiculous reasons I have seen. So what are they going to do if someone's income is not exactly the same month to month and fluctuates, keep doing endless 3 month trials?? Your patience is amazing, but they give us no other choice i guess. Hang in there!

[lexusfrank]

Question........did chase ever make an issue over the bank statements or ask alot of questions about them or consider denying because of bank statements ?What are they doing with them or do they just have them for their files? Anyone know?

[diana0806]

Thanks for your support. I get the same exact money every month. This is there fault. Believe it or not i am 22 months behind. When i started this(nov. 07), i was told not to make payments. When i was denied 5 months later, they would not accept payment because 90 days past due. I was told by supervisor in ohio that bank statements are used to see deposits for income each month. Freddie mac owns loan. I will keep all updated. We will prevail!!!!!!!!!!

[SwillerAlesbane]

I just had to bump this up to the top as I'm amazed your fight has gone on so long. I wish the best for you and your family!!!