I have a first and second with Countrywide
. The first is a 3 year fixed at 6.25% then adjustable (not to reset until next year). My second is a fixed at 8%. I don't have any issues making the current payment I'm 'trying to be proactive' and get things handled before my 1st loan adjusts.
I have been assigned a 'worker' in the Countrywide Loan Modification Dept. She is going to talk with the investors and see if something can be worked out....? I initially wrote 3 emails to everyone provided on your
CW contact list (thank you Loan Safe). I also used an example of your qualified written request letter and copied the Director of HUD. I did get a letter from HUD and they said they would add me to the Class Action Lawsuit against Countrywide.
I spoke with Khara, Executive Research Specialist, at the Office of the President for
CW. She sent me my original loan documents and the Note that belonged to someone else. I emailed her and left her a message on August 1st asking for my note and have not heard back.
After reviewing the original loan documents I noticed that the appraised value of our home on the docs says
$800,000 but the actual appraised value says
$700,000. Also, there is a $5,000 difference in the 'amount paid to borrower' on the documents and what we actually recieved when the loan closed.
Khara told me that since our loan was originated from Bryco Funding (who is now bankrupt) there is nothing that can be done about it. Is this true?
I'm not sure what my options are at this point. Basically in a perfect world I would like to be compensated for the fraudulent appraisal and the difference of the cash 'paid to borrower' and any fees that I was overcharged. I would also like to be put in a fixed loan for 30 or 40 years....in a perfect world.
Any input would be appreciated - Thank you,
'Trying to be proactive'
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