| There is light at the end of the tunnel...
Just wanted to post briefly that by taking advice from this forum, particularly how to email employees of Countrywide, the names of key persons listed in the forum and advice on how to email our story helped to save our home. Our story is practically identical to many that I have read in this forum. It took in excess of SEVEN months, after receiving an offer FROM Countrywide, (that's right, THEY made US the offer to modify our loan!!) to get this all done. It was the most stressful thing I have ever done, but glad to say our home has been saved from foreclosure. I made over 102 phone calls in 7 months, but was getting no where. We had 4 negotiators, the first three of whom stalled out at the same stage every time and the process stopped and had to start all over. One actually wasn't even listed in the company directory with a valid phone extension. and I was never able to speak to her once. I spoke with so many rude people there it is absolutely shameful. Don't listen to any of them when they tell you to wait, it takes time. If I had not called continually I would have never known that no one was working on our loan mod, that it had stalled out, sitting in limbo somewhere. Call, call, call is all I can say. And document every call...date, time, who you spoke with and what they tell you. This will save you and help you keep track of what is going on. We consulted with an attorney, considered chapter 13 as our last resort, but didn't want to go that route either. We just wanted to be able to afford our mortgage payments again. Finally my husband came across this forum last month. It took two emails of my story to get much attention, but I did begin to see results after the first email and things started moving along in a more positive direction because the "supervisor" I was working with received it as well as many others, and maybe he got some heat, I don't know. (I actually think he is no longer with the company, as emails I sent him this week were returned.) I worked with Sheena Arloro in the past couple weeks in customer service. She actually got my second email somehow and called us, which in itself was a first - someone from there calling us. I credit her with getting this done for us, she is on the ball. Our last negotiator was Helen Torres, she was also helpful after hearing how long we had worked to get this done, so she deserves a lot of credit as well. I actually had her supervisor (the guy who no longer gets emails) tell me to "stop calling" him "he can't have it", but don't let that deter you!!! The only way to get thru to them is to call, call, call!!! When the time comes that they tell you the paperwork has been Fed Ex'd out, get a tracking #. We were told this, but even that step hit a brick wall and stalled out because it was requistioned, but never mailed. If they can't give you a tracking # start asking, "why not? ".
Good luck to all and don't give up. Hopefully this information will help someone else who is just trying to take advantage of an offer that was offered to them as well.
Last edited by Cat Damiano; 05-14-2008 at 07:57 PM.
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