Countrywide Heart - HSA Program

[chicagosurvivor]

I was lurking on the boards and going through the same frustrations as many of you. Every time I called CW someone new was on my account, and we had to start over (how much do you make, what do groceries cost - oh, thats not enough, I have a table for Illinois), no guarantee, this will take at least a month blah blah blah.

Then on Wednesday, I got a call. The caller id was 1000000000, and a recorded message said be expecting a Fed Ex package from Countrywide and Fannie Mae in the next few business days with an offer to help you.

I called CW, of course call routed to wrong department. Waited again, turns out this program is putting my past dues into a differed payment program where I start paying in December less than $200 per month and resume payments in June.

Is anyone familiar with the program? Are there any catches?

Also here is where it gets weird (or, at least, typical Countrywide):
They said the package was sent Tuesday on 2 day Fed Ex - but "we sent so many we don't have tracking numbers," and they do not know where they shipped from-not even the city! Of course, Thursday comes and goes, no package. Being a bit Type A and enjoying a good spar with Countrywide now and then (although the playing poker with my homes future is a bit stressful) I demanded a tracking number. They still do not have one. FedEx shows a shipment was entered for my PO Box, but a label was never generated. Of course Countrywide / Heart says "well see if it shows up today."

I went ballistic. I am still waiting for an answer.

But, I do offer these tidbits. Call Countrywide TODAY and see if you are in this program. You may be approved but do not know it. Who knows where CW called and sent your paperwork? This is not something I even applied for. It just happened in the course of the normal work out circus. Also, it apparently needs to be wrapped up by the end of May. Apparently 37,000 offers are on the table.

I am surprised no one has posted on this. I will let you know what happens, and I would like to hear from others on this while I wait, impatiently.

[chicagosurvivor]

I have a neighbor 2 blocks from me going through foreclosure through Countrywide with the same attorney and a court date only 2 weeks earlier than mine. Should I approach them to let them know they are not alone and share what I have learned?

I am usually out going, but I do not want to embarrass these people, and I do not want to seem like one of the predatory freaks that are out there.

Any ideas?

[Cat Damiano]

Hi Chicagosurvivor,

Welcome to the forum and thank you for joining.............

Keep us posted on what you find out about this workout..........although......these types of mass workouts are tied to the individual investor pools on the loans..........so I wouldn't approach your neighbor about it.......if they don't have the same investor that you do, then they won't receive this workout. The investor pools do very different types of workouts with their customers.
So just wait and see what it says...........
If you have any questions on the documents.........post them here and we can help you with that..........

[chicagosurvivor]

So you have not heard of this program?

I did not want to get with the neighbor specifically about this program, just to share war stories and offer a shoulder and let them know they are not alone, and tell them about resources like this forum that they might not know about.

That is why I started two threads for two mostly unrelated concerns, but someone else merged them.

[Cat Damiano]

The threads stay together with the different question headings........here we have over 2500 members and answer over 150-200 questions per day........so it makes it easier on us if you just keep your questions in the same thread........this way we can offer advise and also not have to look all over the board to see what your story is from the beginning.......

No I have not heard of this program yet..........
Here is a contact number that you can call to check on it without getting the runaround...........

OFFICE OF THE PRESIDENT
400 COUNTRYWIDE WAY
MS SV-314
SIMI VALLEY, CA 93065
1-805-578-6380
1-805-578-6311

[Cat Damiano]

Just got off the phone with contact at CW and this is a brand new program they just rolled this program out to 30k customers whos loans from the investor qualified for it...........
so it is legit and you will be receiving the docs via FedEx........so that is correct........

Please let us know what they say..........

[chicagosurvivor]

I will let you know, but because the process is such a circus, everyone should see if they are on it. Communication is bad - I found out I was on it by accident.

[sheree]

I rec'd the package - I believe it is the Home Saver's Advance, where they catch up the arrears amount in the way of a second. No payments for 6 months, and nominal fees. Your original loan stays in place. It's a godsend for us, and they just barely started offering it this week I believe. Very new.

[chicagosurvivor]

Sheree,

Were there any catches or anything unfavorable as far as you can tell?

I think I finally got through to the right person last night about 7 to resend the package. I had to call the third party who handled the mailing, and no one from Countrywide even knew who it was. I just had to investigate and basically find out from Fed Ex.

[sheree]

I'm gonna have to do a further intensive read to know full details. But at a quick glance, you will not be able to sue Countrywide is what I'm seeing. For someone with a legal suit in place, or considers future legal action, this may be a problematic clause. I guess a lawyer would be best to advise, but I won't personally have a problem with it. I'm just happy to have Countrywide stall the sale date and work w/us to bring us current, even though we are back all these payments due to their delay in getting these fixes in place more expeditiously. I'll post more as I know more, but Countrywide gave me the number of the firm handling the Home Saver Advance - (taken me a few minutes to find) - The Harte Team (877) 643-2788 They can tell you more details, hopefully let you know if you're file is with them!

[chicagosurvivor]

I finally have a tracking number for my docs. If anyone else is getting a run around let me know. I have lots of contacts.

[laura1977]

chicaosurvivor
I too am getting the same run around with HSA and countrywide. HSA gave me a tracking number for fedx because I hadn't gotten my paperwork. Called fedx and they said that countrywide did a label, but never mailed it. So I call countrywide, they say the letters come from HSA then I call HSA and they said the paperwork comes from countrywide.
Well still no paperwork after a week.
found out from fedx that the label was generated with countrywide modifications in rockyhill, ct. called countrywide asking for that number.............. They of course didn't have it!
Please tell me you have found out something because I have spent the last 3 days on the phone with HSA and countrywide.

[laura1977]

Chicagosurvivor-
Well I talked to HSA again today, and they said that 3 or 4 people did not get their packets mailed for some reason or another. They said that they contacted the people that was suppose to mail it out, and that I should have it by Tuesday............ Bad thing is it expires on the 30th so I don't see how it is going to happen? I doubt that a new packet will even be mailed to me at this point in time. I wish I had the phone number to the people that are responsible for mailing out the packets. Happy Memorial weekend to me! lol. I do hope that you check back on here and see this, because I would really like the info that you found out about who does the mailings.

[chicagosurvivor]

Laura, I was out of town. Did you ever get what you needed?

[laura1977]

Chicagosurvivor-
FINALLY!. lol. I am suppose to get my paperwork today fed xed. I checked and it did get shipped 2 weeks after the fact. lol.
I figured out that the mailings were coming from fiserv or intergrated loan services. I called there, but of course they wouldn't talk to me. But after hours and hours on the phone with HSA and CW I finally got someone that knew something. What a stressful weekend I had.
Did you get your paperwork?

[alikeith]

I am very curious to know how this works. I currently am 3 months behind and am wondering if this is something i would qualify for.

DO you know if only certain people qualify for it thru Countrywide? Also, do you just call COuntrywide to find out about it, at the 800-669-0102 number?