MHA Trial Period - Subcontractors - Beware!

[AzGryffindor]

I called the number on my MHA packet (866.994.0181) to check on the status of my mod.

Their autoattendant message has changed. It now states that they are Home Retention Services, Inc. not BofA. So, they are a subcontractor.

The message says that you can call to apply for the MHA mod but the options menu gives you no option in which to actually speak to someone to apply for the mod.

The options are:
1. To speak to someone about a letter you received asking for more documentation.
2. To speak to someone about the documentation you received.
3. To speak to someone in Spanish.

I pressed 2 and got a snotty CSR named Danielle who really didn't sound like she wanted her job.

Anyway, I asked for an update and she said unless I had received a call (which I haven't) that everything was ok. She asked if we had made our 2nd payment (we have), but shouldn't THEY know that?

I asked her to check to see if there was any documentation that they needed in addition to what I had sent. She said that all it showed was that they received my paperwork on the 14th of last month.

She said that their office doesn't handle the final modifications and that after my third payment has been made I would have to call BofA customer service (800.669.6650) to find out the status. This is the general customer service line which we all know only gives everyone the wrong information 90% of the time.

I'm beginning to get a bit worried about the whole process. It doesn't appear that they're keeping accurate records and that they're shuffling accounts all over the place, which means that things are going to get lost.

I'm also concerned because my online status does not show anything at this point. No status & no paperwork.

Should I try calling customer service to see if they can provide me with any information or does everyone think it would be a major waste of time?

[SherriV]

I have a number for the Hope Team on my BoA paperwork. We were told by a supervisor in the OOP that the Hope Team is considered a vendor. So yes, subcontractors are working on the mods for the banks.

[AzGryffindor]

Originally Posted by SherriV

I have a number for the Hope Team on my BoA paperwork. We were told by a supervisor in the OOP that the Hope Team is considered a vendor. So yes, subcontractors are working on the mods for the banks.

According to the phone call I just made, subcontractors are sending out the Trial Period Mods and NOT the final mods. Those are being handled directly by BofA. This is what has me most concerned.

[hope67]

AzGryffindor, the number you called is not the same number I have in my HAMP package. Is this the Hope Team? Anyhow, when I called the number in my package I was told that they had no access to our payments history, so they would not know if you have made your payments. However, at the end of the trial, the Home Retention Dept. of BOA will inform them that you have completed your trial payments.

[Evan Bedard]

Hi AZgryffindor,

Try calling the loss mitigation dept. Customer service usually has no idea what they are talking about. Here is the #:

Bank of America(800) 846-2222

[AzGryffindor]

Originally Posted by hope67

AzGryffindor, the number you called is not the same number I have in my HAMP package. Is this the Hope Team? Anyhow, when I called the number in my package I was told that they had no access to our payments history, so they would not know if you have made your payments. However, at the end of the trial, the Home Retention Dept. of BOA will inform them that you have completed your trial payments.

I received 2 packages. One from the Home Retention Group in Houston, TX. The other from the Hope Team in CO.

Since I had already made my first trial period payment using the payment calculated by the TX address I was kind of stuck with that one as the HAMP documentation states that if you pay anything different that you could get canceled out of the program.

However, when I sent back my docs I sent the originals to the TX address and sent copies with a letter explaining the situation to the Hope Team.

So, in theory, once BofA sees that I have made three trial period payments that they will then send me the final mod? I thought there was supposed to be some movement after making the 2nd trial period payment?

For example, in my MHA packet on the FAQ page:
"How long will it take to process my modification request to determine if I qualify for the program?"
It may take up to 45 days for us to review your documents once they are reviewed. We will process your modification request as quickly as possible. Please note that your modification will not be effective unless you meet all of the applicable conditions and you are notified in writing that your modification has been approved.

They received my documents 7/14. Today is 9/2. That makes it 51 days and counting.

[Garry]

This is the number I was told to call 1-877-643-2788 Hope dept.

[hope67]

Originally Posted by AzGryffindor

I received 2 packages. One from the Home Retention Group in Houston, TX. The other from the Hope Team in CO.

Since I had already made my first trial period payment using the payment calculated by the TX address I was kind of stuck with that one as the HAMP documentation states that if you pay anything different that you could get canceled out of the program.

However, when I sent back my docs I sent the originals to the TX address and sent copies with a letter explaining the situation to the Hope Team.

So, in theory, once BofA sees that I have made three trial period payments that they will then send me the final mod? I thought there was supposed to be some movement after making the 2nd trial period payment?

For example, in my MHA packet on the FAQ page:
"How long will it take to process my modification request to determine if I qualify for the program?"
It may take up to 45 days for us to review your documents once they are reviewed. We will process your modification request as quickly as possible. Please note that your modification will not be effective unless you meet all of the applicable conditions and you are notified in writing that your modification has been approved.

They received my documents 7/14. Today is 9/2. That makes it 51 days and counting.

You mean you received 2 offers with 2 different payment amounts? One from TX and the other from Hope? The TX is the HAMP offer, then what was the other modification program Hope offered you?

[Garry]

Originally Posted by hope67

You mean you received 2 offers with 2 different payment amounts? One from TX and the other from Hope? The TX is the HAMP offer, then what was the other modification program Hope offered you?

I'm having a hard time understanding all this myself. When I called about my on-line status showing declined they said not to worry, I was declined for the Hope program and now I'm in the MHA program. I assumed they where talking about the H4H program, maybe they weren't?

[AzGryffindor]

Originally Posted by hope67

You mean you received 2 offers with 2 different payment amounts? One from TX and the other from Hope? The TX is the HAMP offer, then what was the other modification program Hope offered you?

Yes. 2 different offers with two different amounts. They only varied by $5.00. The one I chose (the TX one) is $5.00 more per payment than the Hope Team's offer.

Both were HAMP offers.

[ama125]

Originally Posted by Garry

I'm having a hard time understanding all this myself. When I called about my on-line status showing declined they said not to worry, I was declined for the Hope program and now I'm in the MHA program. I assumed they where talking about the H4H program, maybe they weren't?

No they were not talking about H4H, I think the MHA-HOPE team is the home retention team stationed in CO.

[ama125]

Originally Posted by AzGryffindor

Yes. 2 different offers with two different amounts. They only varied by $5.00. The one I chose (the TX one) is $5.00 more per payment than the Hope Team's offer.

Both were HAMP offers.

Az - I can't remember if it was you or someone else that actually scanned in the HAMP trial documents, but I do remember you being on that thread. Can you post the link to it. I think we need to post it on the sticky, too, so that everyone knows what the HAMP trial offer paperwork should look like. Too many people are getting non-HAMP offers and do not even realize it!

[AzGryffindor]

Originally Posted by ama125

Az - I can't remember if it was you or someone else that actually scanned in the HAMP trial documents, but I do remember you being on that thread. Can you post the link to it. I think we need to post it on the sticky, too, so that everyone knows what the HAMP trial offer paperwork should look like. Too many people are getting non-HAMP offers and do not even realize it!

Yes. It was me that scanned the docs. I'll post a link to the post in the info/stories thread.

[Garry]

Originally Posted by AzGryffindor

Yes. 2 different offers with two different amounts. They only varied by $5.00. The one I chose (the TX one) is $5.00 more per payment than the Hope Team's offer.

Both were HAMP offers.

This is odd, I wonder if the Hope offer could have been for the Re-Fi part of the MHA program?

[Garry]

Originally Posted by Garry

This is odd, I wonder if the Hope offer could have been for the Re-Fi part of the MHA program?

Or, does the Hope offer have something to do with the Countrywide settlement?

[AzGryffindor]

Originally Posted by Garry

This is odd, I wonder if the Hope offer could have been for the Re-Fi part of the MHA program?

Not with my credit.

It was definitely for the MHAM.

Also, not part of the CW settlement. My loan wasn't originated with them.

[hope67]

Originally Posted by AzGryffindor

Yes. 2 different offers with two different amounts. They only varied by $5.00. The one I chose (the TX one) is $5.00 more per payment than the Hope Team's offer.

Both were HAMP offers.

WOW!! How could that be possible?! Same modification program! Different amounts?! Different departments offering it!?

Did you ever get an explanation? I mean, I hope you talked to the Hope team so they fully understand that you have accepted the HAMP trial.

[AzGryffindor]

Originally Posted by hope67

WOW!! How could that be possible?! Same modification program! Different amounts?! Different departments offering it!?

Did you ever get an explanation? I mean, I hope you talked to the Hope team so they fully understand that you have accepted the HAMP trial.

I did call the Hope Team and explained the situation.
I have no idea why the amounts were different. But considering they're only off by $5.00 I wasn't that concerned.

Yeah, getting packages from two different departments/states has not exactly proven to me that BofA has its act together.

[Garry]

Originally Posted by AzGryffindor

I did call the Hope Team and explained the situation.
I have no idea why the amounts were different. But considering they're only off by $5.00 I wasn't that concerned.

Yeah, getting packages from two different departments/states has not exactly proven to me that BofA has its act together.

So the paperwork was exactly the same other than the amount? Same logos?

[Confused!]

My HOPE Team # is different from the ones you guys have posted. It's 877-221-0825.

[hope67]

Originally Posted by AzGryffindor

I did call the Hope Team and explained the situation.
I have no idea why the amounts were different. But considering they're only off by $5.00 I wasn't that concerned.

Yeah, getting packages from two different departments/states has not exactly proven to me that BofA has its act together.

I'm baffled by all this, I guess there's nothing surprising when it comes to BOA..

[hope67]

Originally Posted by Confused!

My HOPE Team # is different from the ones you guys have posted. It's 877-221-0825.

This is the number in my package

[Confused!]

Is anyone else having trouble getting through to them today? I've tried several times and been on hold in excess of 20 minutes each time before finally hanging up. I'm trying Garry's number now....

[AzGryffindor]

Originally Posted by Garry

So the paperwork was exactly the same other than the amount? Same logos?

Yes. Exactly the same except for the amount to pay and where to send the paperwork back to.

[so-cal-gal]

Originally Posted by Garry

Or, does the Hope offer have something to do with the Countrywide settlement?

I believe you only get processed for the CW CA AG mod if you approach CW directly.

And I don't think it is the best mod available. It's MAIN SUPPOSED advantage is the streamlined application process. But they are now checking if the investor will agree (from comments I've seen), even though the settlement has an assertion that CW had the approval from the investors. They do not HAVE to offer a mod under that program. When they do offer one, they don't seem to follow the agreed program details anyway.

Also, I believe the big batch of 'never-honored' mods that CW/BofA have are almost ALL the CW CA AG settlement mods. So why try for a mod that is 'DOOMED' to never being implemented unless you SUE the b-tards?