Countrywide won't use my real monthly expenses

[wcajoni]

When we applied last about 10 days ago on the phone for a modification, CW asked me for debts and income, but for monthly expenses that I had detailed out...they refused to accept them. The rep said they go off a national average for the number of people in the house. I told the rep that the estimates they were providing me (a low and a medium option) were both wrong by $400 and that we were essentially right in between the low and medium options.

Every thing I've read from here says to make sure you have $150-$200 extra when applying, but now it will show that we are $200 negative every month.

Has anyone experienced this and if so, what can we do?

[Moe]

This happens yes and it depends on your rep. This can be over come with a letter of explanation or LOE , explaining your expenses. There is never no rhyme or reason with these mortgage servicers and someone in your exact position may be able to explain and get an exception to this.