naca save the dream event

[klauss54]

i finally did it i havent made a payment for 13 mths i went to the naca save the dream in los angeles 40,000 people spent 2 days saw bruce marks a awesome man i had countrywide and investor wells fargo after hearing deined over and over again sending letters to senators congress any one who would listen naca got me approved on the spot with the leander at 2 percent life of the loan payments added into loan balance no payment due till dec l 2009 dropped my payment 1000 dollors neve give up be proactive and you will win without loansafe and moe and all members stories and support naca included i would have lost my house god bless you all dont give up

[caldwellb02]

Whew. Wonderful. Wonderful. Hope you have that in writing?

[Evan Bedard]

i finally did it i havent made a payment for 13 mths i went to the naca save the dream in los angeles 40,000 people spent 2 days saw bruce marks a awesome man i had countrywide and investor wells fargo after hearing deined over and over again sending letters to senators congress any one who would listen naca got me approved on the spot with the leander at 2 percent life of the loan payments added into loan balance no payment due till dec l 2009 dropped my payment 1000 dollors neve give up be proactive and you will win without loansafe and moe and all members stories and support naca included i would have lost my house god bless you all dont give up

Congratulations Klauss54! That is an amazing modification

[nspire]

I have a NACA ID#, but how do I get the process started. Do I have to attend a seminar in order to get the ball rolling?

[CW California]

Originally Posted by nspire

I have a NACA ID#, but how do I get the process started. Do I have to attend a seminar in order to get the ball rolling?

nspire
You can go ahead and complete the ten steps. The tenth is to fax up your documents. They do like you to attend a workshop but you can go ahead and get everything going and schedule a phone counseling appointment in the meantime. If you have a SAVE the DREaM event around you can do that too.

[davephx]

Or as I understand it the opposite can also be done...

On one of their process pages they show you can go to Save The Dream first and than sign up and work with them as I sort of read it.

I am going to Phoenix Save the Dream and registered by phone. Looks like if you sign up on line have to complete tons of info, but I do not want to disrupt my current trial with Citi who some have been succesful with. At least unlike some servicers I can easily reach by phone friendly TRYING to be helpful folks. But its the system that is broken and it seems they just found it it is Fannie/Freddie that is more to blame than the servicers if foreclosure has been started.

I will go Friday and HOPE to be able to meet a Citi person that can actually do something unlike my diaster for the last six months and supposedly been approved twice.

I also read that they are doing some in house mods that are almost the same as HAMP mods. So since Citi seems to be at least somewhat .. sometimes...for some people good to work with feel I want to stick with them vs NACA, and hope to get to meet a live Citi person.

I will have all my many documents, already submitted twice in most cases and updates.

[CW California]

Originally Posted by davephx

Or as I understand it the opposite can also be done...

On one of their process pages they show you can go to Save The Dream first and than sign up and work with them as I sort of read it.

I am going to Phoenix Save the Dream and registered by phone. Looks like if you sign up on line have to complete tons of info, but I do not want to disrupt my current trial with Citi who some have been succesful with. At least unlike some servicers I can easily reach by phone friendly TRYING to be helpful folks. But its the system that is broken and it seems they just found it it is Fannie/Freddie that is more to blame than the servicers if foreclosure has been started.

I will go Friday and HOPE to be able to meet a Citi person that can actually do something unlike my diaster for the last six months and supposedly been approved twice.

I also read that they are doing some in house mods that are almost the same as HAMP mods. So since Citi seems to be at least somewhat .. sometimes...for some people good to work with feel I want to stick with them vs NACA, and hope to get to meet a live Citi person.

I will have all my many documents, already submitted twice in most cases and updates.

Dave
Nothing gets submitted to the service until your counseling appointment. So in other words you can complete all the online stuff at your leisure before you go to the SAVE the DREAM event. If you don't complete this data ahead of time, you will have to sit with a counselor at the event, give them all the info and come up with a budget, before you see your servicer. If you can get some of the data input ahead of time you will be ahead of things otherwise you will do the whole process at the event. It's a choice of do you want to do all the work at the event or go with your info partially input to speed up your process? The only people that we know of that went straight to the servicer were already submitted by NACA previously to the servicer.

[NacaNation]

davephx
Wow, you are going to go through the entire NACA process at the NACA event just to get the chance to meet your Servicer face to face about a non-NACA mod. Right? They might not be set-up to help you - I think it's exclusive to NACA business but I don't know for sure.

If you are happy with your present mod and are not looking to do better, I don't know if I would go through the whole grueling process unless you could consider a NACA mod that would be offered.

[ItsJustMe]

Has anyone w/Fannie gotten a solution at a STD event?

[NacaNation]

When I was at STD event, they called about 50 names and all those people were told that they had "government loans" and all went off as a group. I don't know what happened to them. They probably had to go fill out HAMP applications

[davephx]

Thanks CW for the more info. I will do online.

NacaNation -NO, I'd much rather do by phone and I would be happy with the mod if I ever got the paperwork or it. And now have to start the trial over again per Citi due to what Fannie is doing. It is hard to believe for all these months with Citi pressing computer buttons to get me the Trial Mod Agreement they are just now finding out all that was in vain since Fannie won't send if you are in foreclosure status. And you can't get out of foreclosure status until the final (not trial) mod is approved. Makes no sense but they tell me all trails mods in this situation have to be restarted again. I was two payments already into mine. Buy I also face a 10/26 sale date that is why I am so desperate and no one can assure me it will be postponed.

I am concerned that my going will be a waste of time since been talking to Citi for six months. Non-NACA, I am easily able to contact lots of people but the system won't send me paperwork or get me out of foreclosure status, even managers have tried. Now they say its because of Fannie and same for Freddie

Yet it is worth it if anything can help, getting them updated info etc.

[ItsJustMe]

Originally Posted by NacaNation

When I was at STD event, they called about 50 names and all those people were told that they had "government loans" and all went off as a group. I don't know what happened to them. They probably had to go fill out HAMP applications

Or they slaughtered them .

[NacaNation]

davephx

OK Now I get it. You are hung up in the Fannie foreclosure situation and this might be your best chance to meet an actual person and solve it.

I think that you will have to go through the whole sign-up with NACA process at STD which includes uploading documents and meeting with a NACA counselor before you can meet a Citi person. When I was there, you could not see a lender without a NACA budget in your hand.

Once you are in the lender area they might call your name as part of a "government loan group" but I bet you could state your case that you need to speak with a rep from Citi at that point.

Good Luck

[davephx]

Yah that is the hope, but I am about 50% thinking it will be a waste of time if they are right about the Fannie issue.

I am going to call once again and confirm again the Fannie/Freddie issue. I will ask directly if I go to Save the Dream would it be of any help. Not sure they will know or not however.

I have also left a voice mail and e-mail a few days ago when I was told the Fannie problem with my Hope Now escalation team member but no replly. I am sure they are swamped but it would be nice to know if anyone else that should know, does know about the Fannie problem.

She was very good on about an hour conference call with Citi confirming info and trying to get the right manger to get something done. But managers we were referred to and a supervisor never return calls.

But now everything is changed with having to redo all the mods with the Fannie issue

I finally contacted the manager who turned out not the right one. But he did the usual order documents and foreclosure hold. But it all seems to be blocked by Fannie no matter how many times Citi presses computer buttons on their software. But they should have known that problem months ago!

[Garry]

Originally Posted by davephx

Yah that is the hope, but I am about 50% thinking it will be a waste of time if they are right about the Fannie issue.

I am going to call once again and confirm again the Fannie/Freddie issue. I will ask directly if I go to Save the Dream would it be of any help. Not sure they will know or not however.

I have also left a voice mail and e-mail a few days ago when I was told the Fannie problem with my Hope Now escalation team member but no replly. I am sure they are swamped but it would be nice to know if anyone else that should know, does know about the Fannie problem.

The Fannie issue doesn't make sense Dave, The people in foreclosure where the first to get trial agreements I thought, some are getting completed mods. Is this problem particular to Citi?

[Garry]

I think Citi is handing you a line of sh*t. I'd be calling the FTC, Fannie, and anyone else I could think of.

[Garry]

One more thing on Foreclosure, I've read posts where people wanted foreclosure and where pissed because the bank would not follow through, the bank kept postponing the date at the last minute.

[davephx]

I think I tried Fannie and just had unhelpful voice mail.

But I just tried now (knowing its 3am EST) and I at least got a message to call back during business hours 8am-8pm EST. So will try when open....

I posted the Fannie issue all over here a few days ago to see if anyone else was getting the same info from other servicers. There was the comment that BoA said Fannie was not doing any mods .. which I questioned at the time, don't hear about any other servicers telling folks this.

That is why I hoped my HopeNow person would get back to me. Left long vm and e-mail.

I realize makes no sense since whole purpose was to stop foreclosures. But have the rep ID that told me that and he checked with supervisor about already made trial payments. So there is obviously total breakdown of communications somewhere.

Either Citi is the only one to know this which makes no sense. Rep said all Fannie and Freddie not just Citi's. And he had 4-5000 folks he had to restart. If this is all not true what a waste of time and effort.

But it also makes sense as to why after about a dozen tries to send docs never got. Fannie not sending makes sense.

CAN ANYONE CONFIRM.. THAT IS with FANNIE - Trial Modification Agreement - Did it come from Fannie or the Servicer? Sometimes they tell me it has to come from Fannie.

I am also going to post question on the CITI sub forum.

[Garry]

I have talked to Fannie a couple times, they will call you back. What everyone else is getting, is the same line of sh*t about canceling the Foreclosure date. The banks are refusing to do it, not Fannie. You need to raise total h*ll. The are supposed to CANCEL the date once you start a trial from what I understand, not postpone! IF your trial doesn't work out, they are supposed to find you an alternative to foreclosure, so why would they not cancel? They don't want to. You need to remind them of this. Don't forget to call the Federal Trade Commission 1-877-382-4357 For a bank to tell you they can't stop a foreclosure date that they started is the biggest line of sh*t I have ever heard. Don't forget to do a conference call with HOPE and CITI bank while you are at it.

[davephx]

Gary - I agree... will have a busy day tomorrow on the phone (Sigh)

[davephx]

Called Fannie. Got a humanoid. Listened to my plight but he is just an info person, like tell you your servicer to contact or basis info.

He put me on hold for a very long time (which is fine if doing something) He was actually from my spouting out my plight capturing it from memory into a computer so starting a file on my case.

Than he transfers me to another voicemail where I just leave my name and phone to get a call back "in 3 days or more" where they will see the file notes.

My next huge problem is I have to be at a business conference in Ft Worth most of next week just when they may call. I gave cell number but can't have it on in conference center or on airplanes. If they miss me I have to redo the call me in 3 days process over again!

Next step another chat with Citi to see if still the same situation.

[davephx]

Not to repeat post in different threads I did a long update in my post in the Citi section.

The gal I talked to had no idea about the Fannie thing but what my account reflects seems to confirm the timing and what Dennis told me about the Fannie action, which this person has no clue about - but employee meeting tomorrow at Citi

From my account oddly (or in line with what Dennis told me regarding Fannie) on 9/23 my HAMP approval status changed to "Does not qualify" from previously "Approved". If Dennis was correct earlier this ties in with Fannie requiring all HAMP accounts to be restarted if in foreclosure status. Makes no sense and she thought the entry was odd but ties into the timing Dennis told me about the Fannie action.

On the date I talked to Dennis it is restarted

[Melanie702]

Congratulations, Klauss! That's good news. When you went to the Save the Dream Tour, can you tell us a little about it? Are there lenders there from BofA? Or is it just a NACA counselor you meet with? Any heads up you can give to those of us who are planning on attending future dates? I signed up for the Vegas event on the 9th. Should we get there early? Is there a lot of people? Do you take all our paperwork? We were with NACA already, and never heard from them after we submitted our financial information in April. I'm going to try them again though. Any advice you can give, is appreciated.

[sandyg]

Originally Posted by klauss54

i finally did it i havent made a payment for 13 mths i went to the naca save the dream in los angeles 40,000 people spent 2 days saw bruce marks a awesome man i had countrywide and investor wells fargo after hearing deined over and over again sending letters to senators congress any one who would listen naca got me approved on the spot with the leander at 2 percent life of the loan payments added into loan balance no payment due till dec l 2009 dropped my payment 1000 dollors neve give up be proactive and you will win without loansafe and moe and all members stories and support naca included i would have lost my house god bless you all dont give up

Klaus,

Congrats!!!!!!!!!!!!!!!! I live in Phoenix and I am going on Sunday to the STD. Have been with naca since Feb 09. Just finished a 3 month forbearance. Fannie investor. And naca is suppose to update my new budget on the 7th and resubmit for a new mod.

Do you think I should go to the STD with Fannie as my investor? My forclosure was canceled during the Forbearance.

Do I just take copies of all of my current naca stuff and have my budget in hand?

I am also self employed so I guess I take my 6 month income worksheet to show how much I make!!!!?????

Any advice out there would be appreciated!!!!!!!! Good luck everyone!

[klauss54]

take everything and income 6 mths it is fun to go and i think worth it expect to have to go 2 days