So anyone have advice on this one

[minknmelissa]

I can not get it together and stop crying I hate to put it out there like that but they really got me this time they got me to get rid of naca by telling me i did get approved for mha and then next day denied the mha after i sent the letter to get rid of naca anyone know what i should do i did have hud counselor on three way and she is trying to have it escalated but now I need to get in touch with someone at naca and i don't think the customer service will do. They told me my new payment was 1271 and that i they had taken the first trial payment out of my suspense account and that the next payment i only needed to pay 650 because there was money left also she said took check gave me confirmation and said package will be here 30 to 60 days and to keep making my payment. Thank God my mom took my kids because i can't I told them i'm going to try to get that tape from hud counselor and i'm going to sue the hell out of them what else do i have to lose i am going to lose my house what apartment is going to take us with five kids

[ama125]

Mink, I'm so upset for you right now. If I could sue them on your behalf, believe me I would! Try to focus on the positive right now. You have 5 kids that need their mom. I know how hard it is and us mothers have to set aside our own feelings and swallow our hurt and sadness and anger and put on that happy face and be the rock for our kids. Take a deep breath and play some empowering music (I like "eye of the tiger" to get me in the right frame of mind). You are a one woman wrecking machine and you are going to make things right to the best of your ability. I cannot guarantee anyone success as each person's loan and situation is as different as each individual person is. But what I can do is offer you emotional support and encouragement. Do what you must, but don't let them defeat your spirit. You are a strong and willful woman...stay strong and stay focused. It will be okay.

[dan m]

"home" is where your family is. Relax.

[nativelasvegan]

Hey mink - you know the hardest thing to do is try to detach yourself from the situation and look at this like a business venture. Please try and do that. And by the way, I would lease one of my properties (property manager) to you with 5 kids. Please don't worry about that right now. It seems you made progress when you had NACA on your side. It might be a good idea to get them back. I have been where you are. Crying, blaming myself for getting my family into this situation and having a terrible pity party for myself. When I was finished, I thought that maybe that is exactly what the bank is trying to do. Wear me down. Make me give up. Why if I give up, it is less work for them, right? Is your new payment 31% of your gross income? Will that payment work? Be tough. Get mad. Then direct your anger in the direction that will produce the most positive results. YOU CAN DO IT!

[cleach]

So sorry this happened to you! I don't really have any constructive advice, but want to say - GET MAD AND FIGHT!!!!

I didn't know how to fight in time, and my house is gone now.

You have the whole wealth of this forum at your fingertips. YOU HAVE TO DO IT FOR YOURSELF - they've already proven they're not in it to help you.

Good luck!

[lisasxr]

Mink,

I'm so sorry your going through this. First and Foremost - you must take care of yourself and your family. Do not compromise your health or well being.

You should also have documentation of funds being moved to cover MHA payment, which may put them in a position of being liable for allowing you to continue with the program since money has already been accepted.

Take a day off - relax with your family, renew your energies - take up the fight again a different day.

[minknmelissa]

Thank you guys so much I am not really usually this emotional but I'm just so mad I am going to keep praying to be strong my husband doesn't deal with this he works hard and I do this end. I have the confirmation number the lady gave me. I also hope that the woman from hud will back me she said that she is having it escalated i've heard that before. I am going to keep fighting i am just so disappointed and I guess I just needed to get that out because I don't talk to my kids about this of course and thats why i am so mad because they did see me cry it was the first time through these months that i really broke down. I am on hold with naca and i hope they don't make me start the whole process again. I need to know if there is a high up number at naca that anyone knows. I know we will keep fighting I won't let them have my home after busting my tail all the time to make this house right no way. But I will really have to figure this out also they didn't offer me anything close the 31% if they did i wouldn't be complaining they offered me what i pay now just ten dollars less its a joke we spent all winter in nj with no heat NJshares said my husband didn't make enough and liheap said he made to much So i guess here we go again Please don't be upset with me that I am having a melt down Can't we do something how could they twist things and lie and get away with it we not

[pdsfoley]

Originally Posted by minknmelissa

Thank you guys so much I am not really usually this emotional but I'm just so mad I am going to keep praying to be strong my husband doesn't deal with this he works hard and I do this end. I have the confirmation number the lady gave me. I also hope that the woman from hud will back me she said that she is having it escalated i've heard that before. I am going to keep fighting i am just so disappointed and I guess I just needed to get that out because I don't talk to my kids about this of course and thats why i am so mad because they did see me cry it was the first time through these months that i really broke down. I am on hold with naca and i hope they don't make me start the whole process again. I need to know if there is a high up number at naca that anyone knows. I know we will keep fighting I won't let them have my home after busting my tail all the time to make this house right no way. But I will really have to figure this out also they didn't offer me anything close the 31% if they did i wouldn't be complaining they offered me what i pay now just ten dollars less its a joke we spent all winter in nj with no heat NJshares said my husband didn't make enough and liheap said he made to much So i guess here we go again Please don't be upset with me that I am having a melt down Can't we do something how could they twist things and lie and get away with it we not

Mink....this whole thing SUCKS!!! regroup....call OOP and then call NACA...its an uphill battle...but you can do it.......We're pulling for you!!!

[minknmelissa]

I am on it i called naca I need number to david L. I think that he is the person to talk to i can't find it on here. I also sent an email to oop and i called my original negotiator, thanks guys ( I think ) i am simmering down. I am also waiting for customer advocacy guy to call me back because he is going to explain to me why i was denied
Let you know up date

[Melanie702]

Aww, Melissa, I'm so sorry you're having a bad day today....not like any other day of going through this isn't hard. But I know how it is, we'll have an OK day, then a really sh!tty one. I had a bad one yesterday. I was getting really sharp pains in my chest, I was nervous, sick to my stomach, but then calmed down when I was on here and had the nice encouraging words from others who are going through the same thing. Wish I can offer help, but I need it myself. Hang in there. We're all here together.

[minknmelissa]

Thanks all of you and called naca, filed complaint, spoke to hud counselor again she is trying to get things escalated i can tell she does care. Her name is stacey rillo at nova debt in case anyone wants her information i do have it i posted it once before. I am still looking for david l. infor though

[Cassietw]

Mink,

Did you cancel NACA via NACA or send a letter directly to BofA? From what I was told, they cannot cancel NACA unless NACA sends the cancellation from the borrower. They (BofA) are "per contract" with NACA supposed to ignore (disregard) all communication verbal and written from the borrower and have all communication be re-routed through NACA. There are many like myself included that got a MOD (Not the NACA proposal) from BofA and never dropped NACA. You are NACA's client....they are like your backbone with the lender. When BofA offered me my mod (Not the NACA solution) I told BofA to send the proposal to NACA and I would have NACA accept it. I wanted to always keep NACA in the loop.

Get ahold of NACA and fax them or upload a letter stating that you still want the NACA solution and have no intention of cancelling the NACA solution through your lender. Then call NACA and make sure they update your file and send BofA a request for update. They won't do it unless you tell them too!

Good Luck!!

Cassie

[minknmelissa]

Do u have David L phone number Cassie

[ama125]

Originally Posted by minknmelissa

Do u have David L phone number Cassie

866-806-2434 X8676... I searched the threads and that's what I found.

[minknmelissa]

Cassie, I was just wondering how did you get bank of america to talk to you after you were dealing with naca because they wont talk to me unless i cancel naca. You said that you asked your servicer to send it to naca the proposal so how was it that they spoke to you because they won't say anything to me and also i was wondering if you have David L. email Thanks alot

[minknmelissa]

Thank you ama where did you find that post. I have been looking all morning??

[ama125]

Originally Posted by minknmelissa

Thank you ama where did you find that post. I have been looking all morning??

I searched "David L" and had to go through some of the posts to find it...here's one of them: Who is David L?

Here's the email: David.Leighton@bankofamerica.com
found on: NACA won't change incorrect budget

[Cassietw]

Mink,

I got someone in customer service to slip up and give out the negotiator assigned to my account. I would call and say things like..."Isn't Julie McDaniel my negotiator?". Some reps would say, no we can't give you that information....then the next time I would call, I would say, "Isn't Lisa Tuttle my negotiator?". I finally got someone who slipped up and gave me her name. Then I kept calling back until I found out who her supervisor was. I would say..."isn't Steve Jones my negotiator's supervisor?" Prod them to death. Act like you know more than you are supposed to as far as who your negotiator is. Tell them you lost the number for your negotiators supervisor, and ask them for it. Some customer service reps


Per my negotiator, the only reason she called me was because I got ahold of her supervisor and she was shocked that I had got that far.

It is persistence. Use lots of sugar and gain the persons sympathy and compasion. Say thank you A LOT!!! Even if you are laying it on heavy and it is fake as the plastic backing up your credit card!!

You can try David Leighton, but he doesn't return any calls anymore. I haven't talked to him since he got promoted in the end of August.

Good Luck,

Cassie

[Cassietw]

Originally Posted by Cassietw

Mink,

Tell them you lost the number for your negotiators supervisor, and ask them for it. Some customer service reps

Realized I didn't finish a sentence!

Some customer service reps will slip up or are just plain green! They haven't worked there long enough to retain what they are supposed TO or NOT to say....

Good Luck!

[minknmelissa]

Cassie, thank you for the advice well i was being patient and very understanding until today and it really was just because I know they are overworked to but today I lost it on them and now I did email Dave l. thats to bad that he doesn't call back and called Kevin Winn at naca but unfortunately i think i am going to have to take this terrible mod that is exactly what i pay now which makes no sense.

[lisasxr]

Cassie -I actually LOL'd reading that you asked for Lisa Tuttle! That's great!

Mink - have you tried calling Pamela Preciado (800-669-2443 x5105) in OOP or Anna Corder (972-526-6712) in OOC yet? Both are supposed to be customer advocates - your negotiator's name shouldn't be a secret.

[whatdidigetinto]

if it doesn't make sense maybe you shouldn't take it!and just keep trying!read everything you can and email everyone you can!don't give up!

[minknmelissa]

So i just checked my bank account and they took out the amount that they said would be my trial modification but today they told me i was denied this just is so crazy

[minknmelissa]

lisa what is ooc i left a message at oop with one of the negotiators there and i left a message with kevin winn and david l

[lisasxr]

OOC is office of the chairman in TX. Anna Corder is who called me after the Phoenix email blast a few weeks back, and on Monday I received a FedEx package with a letter signed by her. No idea if she can move things along, but can't hurt to contact everybody we can!