Pay Countrywide while going through Loan Modificiation

[Andrew]

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]

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]

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 Bedard]

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]

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!

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]

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]

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]

That's great, whatever works. Calling is not working for me, I've called CW 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, *** 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]

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.

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 cracks 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 cracks in the system.

[lpinlb]

Thanks for he Tip! We are still trying on our loan mod. and to add insult to injury this month, they blocked us from making our payment online.( which we are still current on ). I had a checkfree account and went on and paid it that way. The very rude lady in customer service ( I think it was debt person ) said she could take the payment on the phone but I DO NOT TRUST THEM ONE BIT!

[Andrew]

Yeah thats the reason why I started this thread. They had blocked my online access to my account when I went through my modification.

[dianaclffrd@yahoo.com]

Thank you for letting me share. I can't sleep or eat. I cry spontaneously. I'm a single mother who works 16 hours a day. I got behind on my mortgage. I was working with a guy at Countrywide to catch up. He assured me I would not go to foreclosure, and as I left message upon message, I was being put into foreclosure after 2.5 months of being late. I'm keeping this very short..so hope it makes sense. On December 17, 2007, I was told I had received a deal with countrywide to add the behind amount to the end of my loan and was told to get a money order for the 'down payment'. I did all of this. Called back after 10 days had come and gone (documents never came for me to sign), and was told 'it's on its way'. I waited. It would not be until 2/28/08 that I would find out that no 'deal' existed. I have been told to wait 5 days for a call back for countless weeks now. I have only 1 month left until they take my home. I still have the money order, and am still not receiving calls back. I feel as if they tricked me. I have documentation, and witnesses to the entire process...people who heard the conversations while it was on speakerphone while I took notes. What can I do with only 4 weeks left? I have almost enough money to reinstate, but with the attorney fee's, and appraial fee's, etc., I can't do it. I can only come up with the amount past due. Any suggestions? Why do they say they want to help and then do this to people?

Wanting so very badly to save my home. Please help....

[Andrew]

Please start your own thread with these questions! Thanks!

[TOME2NZ]

Originally Posted by Andrew Panessa

I figured out how to get around their online payment system. Since they block it once you start a modification. Go to CheckFree Corporation - CheckFree is now part of Fiserv.. 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.

what if you can only send a partial payment due to rate increase?

[Andrew]

If you dont pay your full amount, countrywide puts your payment into a suspense account until full payment amount it reached. You will see it in your transaction history but it wont deduct until the full amount it reached.

[TOME2NZ]

Originally Posted by Andrew Panessa

If you dont pay your full amount, countrywide puts your payment into a suspense account until full payment amount it reached. You will see it in your transaction history but it wont deduct until the full amount it reached.

So if I can come up with the full amount and use checkfree that's a better solution. It also looks to me that workout support will only get the ball rolling on my loan mod only when I'm behind or in default.

[Andrew]

No you dont have to be late. Look at my thread, I was never late.
click the underlined link: Countrywide Success!

[melvin1969]

Hi,
Diana,no other post after 8th, u received all the docs,dont take stress.I hope everything will be fine,how many months u r duenow?dial(1800-669-0102),yes u will get automated service, stay on the line,give ur info...chk ur a/c status,now a days hope/wrkout depts #are not wrking..howver u can call...try that #,chk the status..they r not going take ur home, becoz it their loss...not urs...let me know the status...

Melvin

[HelpnAZ]

Thanks so much for the info on how to pay them. I am in the process of loan modification. I did not receive a bill because they had the wrong address so I am 10 months behind 11 including this month. I have now paid them for the last 11 months. The payment will post on the 7th I will check online with countrywide to see that it has been made and will continue to make payments this way. Does anyone know if foreclosure has not started but you are in the beginning of loan modification and are current on your payments can they still start foreclosure because you where so late. I would think that because they waited this long before calling us to resolve this that they are not in a hurry to foreclose.

[Andrew]

No once you are current they wont start foreclosure.

[HelpnAZ]

Thank you, Aside from CW verbally telling you that you are not in foreclosure as of yet is there a way to check. I am just worried due to all of the things I have read on the internet.

[HelpnAZ]

I used check free and payed cw on May 7th next bill not due till June 20th was several months behind in payments. I just went to cw site and when I click on transaction history it says you do not have access to transaction history. Anyone else get this and will my next payment be accepted?