NEW Module? Wha the heck now with Citi

[davephx]

Following up with Loss mitigation confirming my 3rd trail date changed from 10/24 to 11/1 (yes) and asking about the October 6th final package that the Management Group person confirmed has been sent.

Well.... not quite ...

Today CitiMortgage has a new "module" Couldn't get a good explanation of what this really is EXCEPT. Now it triggers final paperwork being send after the 2nd payment. Effective today.

And now he sees no record of the October 6th "sent" package.....

[crewof5]

What the heck is right! This whole process is making me nuts!

We paid our 3rd trial payment on Oct 1. On Oct 2 they asked us for bank statements. As of today they still have not been scanned in, I have a return receipt that shows they received them on oct 9th. We have called 3 times to check. I just keep getting these automated messages online saying they "want to help us" but they still need the additional paperwork. Why does it take two weeks or more to scan paperwork in, it is so ridiculous!

So by what you have been told today does that mean if you don't get final docs by 2nd payment you aren't getting a mod or do you mean trial paperwork?

I feel like I am just going to lose it if they come back and deny us, I have been listening to their promises since May!

[davephx]

The final docs are "supposed" to be sent after payment 2. My 2nd was paid 9/22 so the October 6th was about right. Although I have never received the initial trial mod agreement but its no longer required.

Worse I am in foreclosure - started the process in March, told have my paperwork and all looks in order in April, May June and July. Than got foreclosure notice instead in July .

All we can do is keep making trial payments until the paperwork catches up. Only then do they grant or deny....the final mod.

After all this... just to be denied for some silly reason is just too much.

[crewof5]

I was supposed to start trial in July but there was some "mix up" so I didn't start trial until August. I went into the trial program current, I made first trial payment in July but was then told July's trial payment would be applied to August 1st trial payment. I aske dif I should make the regular payment for July and they said NOT to because it would mess up the trial.

Everytime we call we hear everything is fine, and with the exception of the surprise call that they needed the bank statments, we were told they have everything they need and were just waiting for us to make 3rd payment.

Well as i stated before we made the payment and then were told they needed to see last 2 months full bank statements, we had only sent in first page of statements with our trial packet.

So we sit and wait while the "scan" in our bank statements. I am just so paranoid we will be rejected. We don't have 3 months of mortgage in reserves but we did make a couple of extra deposits totaling about 5000.00 to pay off some medical bills and to settle with a credit card company. I am worried they will see the "extra" money that went in and deny us, although they can see at the end of the month it wasn't there anymore. I am thinking they are looking for any excuse to deny you the permanent mod.

[davephx]

I have been worried also about short term excess money in bank statements since personal is mixed with business etc.

It seems much more of an issue however, if you are current.