Requested Loan docs and this is the response - Loan Modification Forum

Scabbo1 · 05-17-2009, 06:57 AM

SO I sent my letter requsting loan documents a month ago and after telling me that it had been delayed a few times they sent me this:

Dear Homeowner:

ABOUT YOUR LOAN
Thank you for your recent contact regarding your request to provide loan document(s). Unfortunately, we have been unable to complete this request.

At this time we are no longer pursuing this matter.

A FRIENDLY SUGGESTION
If you need additional information or assistance, you can contact us online any time. Simply log on to your account at www.bankofamerica.com/cwcustomers. You may also choose to call our Customer Service Department at 1-800-669-6607 during normal business hours Monday-Friday 7am-7pm CST.

THANK YOU FOR YOUR BUSINESS
We strive to provide the best in online self-servicing. Our goal is to make your life easier by creating convenient options for you to access and manage your account information. We hope you enjoy the many timesaving services available to you on our secure website.

Sincerely,

BAC Home Loans Servicing, LP
Customer Service Department

What should my response be to this???? Can they even do that legally?

Thanks!!!

Scabbo1 · 05-18-2009, 06:19 AM

Any thoughts on how to handle this? Thanks!!

BTW - thank you for this site and all of the info and concept behind it!

helpsavemyhome · 05-18-2009, 07:15 AM

If it were me, I would call them and ask them for the docs...they won't do anything unless they are pushed to.

Moe Bedard · 05-18-2009, 07:27 AM

If you want copies of loan documents from a closing............if you had your closing at a title company, you may want to give them a try.....they should have copies of all of your closing documents. Some servicers will not have every document from closing.........but most have the deed of trust, note, and hud............you may also be able to order those from the online account, or it may be listed on the back of your statement as to where to request copies of documents, which it sounds like they were letting you know.

denised · 05-18-2009, 12:13 PM

Sounds like they didn't even read your request!

You can also go online to your account and under Account information there is a link called Loan Documents. I have the note and HUD-1 in there for my account.

Evan Bedard · 05-28-2009, 04:55 PM

Thankes Denised for the tips!!

05-17-2009, 06:57 AM	#1 (permalink)
Scabbo1 Junior Member Join Date: Jan 2009 Posts: 2 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Requested Loan docs and this is the response SO I sent my letter requsting loan documents a month ago and after telling me that it had been delayed a few times they sent me this: Dear Homeowner: ABOUT YOUR LOAN Thank you for your recent contact regarding your request to provide loan document(s). Unfortunately, we have been unable to complete this request. At this time we are no longer pursuing this matter. A FRIENDLY SUGGESTION If you need additional information or assistance, you can contact us online any time. Simply log on to your account at www.bankofamerica.com/cwcustomers. You may also choose to call our Customer Service Department at 1-800-669-6607 during normal business hours Monday-Friday 7am-7pm CST. THANK YOU FOR YOUR BUSINESS We strive to provide the best in online self-servicing. Our goal is to make your life easier by creating convenient options for you to access and manage your account information. We hope you enjoy the many timesaving services available to you on our secure website. Sincerely, BAC Home Loans Servicing, LP Customer Service Department What should my response be to this???? Can they even do that legally? Thanks!!!

05-18-2009, 06:19 AM	#2 (permalink)
Scabbo1 Junior Member Join Date: Jan 2009 Posts: 2 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Requested Loan docs and this is the response Any thoughts on how to handle this? Thanks!! BTW - thank you for this site and all of the info and concept behind it!

05-18-2009, 07:15 AM	#3 (permalink)
helpsavemyhome Senior Member Join Date: Dec 2008 Posts: 348 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Requested Loan docs and this is the response If it were me, I would call them and ask them for the docs...they won't do anything unless they are pushed to.

05-18-2009, 07:27 AM	#4 (permalink)
Moe Bedard Founder Join Date: Aug 2007 Location: Southern California Posts: 16,887 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Requested Loan docs and this is the response If you want copies of loan documents from a closing............if you had your closing at a title company, you may want to give them a try.....they should have copies of all of your closing documents. Some servicers will not have every document from closing.........but most have the deed of trust, note, and hud............you may also be able to order those from the online account, or it may be listed on the back of your statement as to where to request copies of documents, which it sounds like they were letting you know. __________________ Moe Bedard Founder LoanSafe.org "America's #1 Home Loan Forum" LoanWorkout.org "America's # Loan Modification Blog" Get My FREE Loan Modification E-Book \| Please donate to LoanSafe.org \| Loan Modification Training For Attorneys \| Rate Your Mortgage Servicer The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Here.

05-18-2009, 12:13 PM	#5 (permalink)
denised Senior Member Join Date: Jan 2009 Location: Santa Cruz County, California Posts: 391 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Requested Loan docs and this is the response Sounds like they didn't even read your request! You can also go online to your account and under Account information there is a link called Loan Documents. I have the note and HUD-1 in there for my account.

05-28-2009, 04:55 PM	#6 (permalink)
Evan Bedard LoanSafe.org Homeowner Guide Join Date: Aug 2007 Location: Southern California Posts: 2,168 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Requested Loan docs and this is the response Thankes Denised for the tips!! __________________ Keep Fighting! Evan Bedard LoanSafe.org Support Team Please donate via paypal to LoanSafe.org to help keep this forum going The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Here.

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