Pay Countrywide while going through Loan Modificiation - Home Loan Forum

Andrew · #1 (**permalink**) IP: 71.245.0.181 11-13-2007, 11:09 AM

I figured out how to get around their online payment system. Since they block it once you start a modification. Go to www.checkfree.com. I do use this for other bills and had it for countrywide. And since my modification I have been using it to make payments. usually when you send a payment it shows on countrywide web site the same day 12pm EST. in your transaction history. then you also have the proof of payment through checkfrees site too.

Serenity · #2 (**permalink**) IP: 63.165.24.234 11-19-2007, 05:08 PM

Very cool.

Now the question is - would they simply reverse the payment and send the money back to you via Checkfree? I guess I'm wondering if they'll allow it to "stick".

Andrew · #3 (**permalink**) IP: 71.245.0.181 11-19-2007, 08:36 PM

well they havent reversed mine the last two months ive been going through modification. But if they did I report them to the attorney general and everything else since i would have plenty of proof of payment.

Moe · #4 (**permalink**) IP: 76.171.235.145 11-19-2007, 08:56 PM

Thats great inside info there sswiz. You see lenders and servicers make money off the fees when your delinquent and in default. The fees do not stop nor does the foreclosure process, and they will gleefully tell you not to make your payment while the "fees" add up. You make the payments and you have proof and they will not be able to charge you for bogus fees.

If you can make your payment, by all means make it.

JacMac · #5 (**permalink**) IP: 69.112.199.222 12-14-2007, 02:32 PM

Quote:

Originally Posted by Moe

Thats great inside info there sswiz. You see lenders and servicers make money off the fees when your delinquent and in default. The fees do not stop nor does the foreclosure process, and they will gleefully tell you not to make your payment while the "fees" add up. You make the payments and you have proof and they will not be able to charge you for bogus fees.

If you can make your payment, by all means make it.

Wow, I just realized why my Loan Negotiator told me to hold onto my payment for December. Scum bags!

Mary Salzer · #6 (**permalink**) IP: 76.25.101.94 02-20-2008, 05:01 PM

You are not a heel, the loan that you probably got was a toxic, rotten and land mine ridden affair. If you can get the modification to relieve some of the stress of every day life, do it. You are not doing anything wrong, what was wrong was the adjustable rate nightmare that they probably put you in.

I am glad the auto finance folks are working with you and remember with Country Wide, they will never, ever call you back, you must the responsible adult at this party, be proactive, focused and determined.

My advice, call, call, call and fax, fax, fax...when you fax make sure that your name, property address, loan number and last 4 of SS# are on all pages of the fax or they will get lost. Not maybe, but will. Even then I recommend faxing three times, that usually gets it to the right place.

ShawnM · #7 (**permalink**) IP: 98.193.32.110 02-28-2008, 03:16 PM

customer service has called me twice, to tell me that the negotiator is still working on it. I try to always answer the phone now to show them i am trying to communicate better. I have called today to check on the status of my modification and have been on hold for like 30 minutes, continously being transferred to someone different.

blackcat713 · #8 (**permalink**) IP: 68.61.87.165 02-28-2008, 03:41 PM

Wow..I'm jealous, you got someone to call you back! When I call, they tell me I don't need to call so much..ha..fat chance on that! We are talking about my place of residence here, you get to speak to me every single day!!

faith · #9 (**permalink**) IP: 72.220.122.71 02-28-2008, 05:38 PM

That's great, whatever works. Calling is not working for me, I've called Countrywide Home Loans many times, I wrote letters many times but no one returned my call.

What works for me is I've emailed all the names that Moe, Andrew, Cat and Poppy listed in this forum, I used their first_last name@countrywide.com
and for some reason my agent gets a call from my negotiator the same day I've emailed them.

Good luck to everyone, I'll pray for you guys.

God bless.

nchicklet · #10 (**permalink**) IP: 198.140.183.1 03-04-2008, 09:09 AM

I have been working with the project hope department since November 2007. I have not been deliquent in the past four months. I sent them letters in November, and then again in January. My representative was changed 3 times. I was on the phone for hours.

I was told they came to a modification agreement with me but were unable to contact me. I have all the records of my cell phone and did not receive any calls from them.

I am now starting the process all over.

I make phone payments and ask them to wave the fee and they always do.

Mary Salzer · #11 (**permalink**) IP: 76.25.101.94 03-04-2008, 09:33 AM

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

Could you please start your own thread under Country Wide...it is the Clicky thing at the top of the Left Hand column on the main Country Wide page that says New Thread.

Have you contacted HOPE themselves and tried to get a counselor that is more receptive....or have you contacted HOPE? 888.995.HOPE, they could and will help intervene with Country Wide and assist in this process. They are likely to get a little more respect and can push if they are good at the process. If you have a counselor that is letting this fall through the *****s at HOPE, then call them and get another one....this is to much for anyone person to spend that much time with.

You do have to stay on Country Wide Daily with call, call, call and fax, fax, fax or you will fall through the *****s in the system.