Failure is not an option for us....

[Garry]

Right on Cassie! I hope this nightmare comes to an end quickly for you.

[Cassietw]

Thanks everyone!

I am so stoked!

Hope I get the papers next week!

Good luck to everyone! Keep hanging in there!

Cassie

[whatdidigetinto]

CONGRATULATIONS!!!!!!!!!!!!!!!I'm so Happy for you!!!!!!!!!!!BTW does anyone know the number to the advocacy department?I have not called in a couple of months and don't know where i wrote the number.Cassie how did u get the name of your BOA negotiator?

[sandyg]

Originally Posted by Cassietw

Thanks everyone!

I am so stoked!

Hope I get the papers next week!

Good luck to everyone! Keep hanging in there!

Cassie

OMG!!!!!!!!! Finally!

Remind me Cassie .... Are you self employed?

[Cassietw]

Thanks!

Advocacy Department: 877-327-9225

As far as finding out the negotiator...I think it was the customer service number person that slipped up and gave it out....then it was about 5 calls to home retention asking who her supervisor was and asking her phone number. Might have been luck!

Sorry, not self employed...

Quick Overview
Government Backed: NO
ARM: Yes
Interest Only: Yes
Loan Servicer: Countrywide/Bank of America
Investor: Deutsche Bank
NACA submitted: March 26th, 2009
Emailed Barbara: End of May
BofA acknowledged NACA submission: June 1, 2009
BPO: July
BofA proposal to NACA: Sept 11, 2009
NACA acceptance to BofA: Sept 11, 2009
Status: Waiting for documents.

EXCITED!

I would not have gotten to where I am now without NACA and Loansafe.org (Even if NACA messed stuff up). I wouldn't have met David Leighton without this forum and NACA. I wouldn't have this awesome mod without David's genuine caring spirit!

Good Luck everyone, keep persisting!!

[Cassietw]

One more tidbit of data...

Current on mortgage (never late) through April 2009.
Missed May
1/2 payment June
Missed July
Missed Aug
Missed Sept
Don't have to pay Oct
First new payment Nov 1st, 2009.

**Part of mod agreement states the first 3 payments have to be on time on the first of the month for the mod to be permanent. (This was on the NACA website under status: Proposal Approved.

Virtual Hugs to the Forum!

[Riley18]

CONGRATULATIONS I am so happy for you. Your modification of 2% for life of the loan is like a dream come true Have a wonderful weekend without worry and stress. Reading through your recent posts goes to show how you really have to fight for the right mod. Way to go

[evo13]

cassietw did ever get a notice of intent to foreclose? I have this week and on the letter it states i may be elig to get a mod. I have been trying for one since May 09. They say it is in underwriting for 2 mos now. I missed July, Aug, and Sept. what to do!!!!!!!!!!

[Cassietw]

I received a letter of intent in July with a request to bring the loan current bu July 31st. I ignored it. You get that once it has gone 3 months.

Are you with Naca? On your own? Have you contacted barbara.j.desoer@bankofamerica.com (president of BofA home loans)??

Let me know if you have your own story thread and I will read it and tell you what I would do.

Good Luck!

Cassie

[Cassietw]

dthom and others....

I see many forums are now locked. I don't know if I will be able to continue to update my story going forward... Still waiting for docs. Called BofA advocacy today and they said the mod was received from NACA as accepted and they have sent a request to the HOPE department for docs to be sent out.... Holding my breathe...

dthom, your thread appears to be locked. I am gonna ask Moe to give you and a few others my email address if you wanna keep each other updated.

Best of luck to all!

Virtual Hugs,
Cassie

[Cassietw]

cassie (underscore) mom 4 (at) yahoo dot com

[dthom]

Hey Cassie

I was able to get in this morning to update my thread.

Looks like you may be finally making some progress.

Got letter FED EX from BofA yesterday congratulating on being accepted for MHA along with payment envelope had I not already made the first trial payment. Not trusting anything just yet, I called Home Retention to verify that they were actually processing the payment. They were! Two more payments on the trial and a done deal. This next payment has to be made by the 1st, just 3 weeks after I made the first, but after that it will be smooth sailing.
Letter we got says we should be getting another in a few days detailing the exact details of the modification. But from the payment I am thinking it is 2% , 30years. Of course 2% for only 5 years and then it steps up. But at this point we are so relieved. We are saving nearly $600 per month!

I am going to keep your email in my address book. Would be great to just keep in touch.

[dthom]

Oh almost forgot, here is my email: dthom67286@aol.com

[Cassietw]

Thanks dthom!

I am glad your story thread is unlocked now.... I almost went and printed off my whole story thread...would have been about 140 pages...that way I would have a record if anything ever came up with my mod, or any problems....

At first I could only find my thread by going to my profile, and selecting threads started by me. All these threads were just gone yesterday for awhile.... I think Moe wanted to get a communication out on the boards and ensure everyone read it!

Glas things are moving along for you on your mod...it's about time!!!

[Moe Bedard]

Please go here. We must fight B OF A for change and real help on LoanSafe.org!!

http://www.loansafe.org/forum/countrywide-home-loans-tell-us-your-countrywide-story/15971-frustrated-bank-america-special-email-get-help-today.html

[Cassietw]

UPDATE:

Called the HOPE department today to see if they mailed out my docs yet.....NOPE!

Hope dept said it was the wrong dept to call and transferred me to the Home Retention department who then told me that they had not received a response back from NACA!

I told her that it was not true as someone in advocacy told me the response was received on 09/11/2009. She put me on HOLD for 8 minutes and then came back and said, yes the NACA response was received and they were still working on paperwork.... I swear they need to get on the right track!

This is when I really wish David Leighton was there to overnight me my docs!

Keep Fighting everyone!

Cassie

[Melanie702]

Aw man, sorry to hear that. Hang in there. Very frustrating. Wish someone knew what they were doing. Did you email dan.b.frahm@bankofamerica.com? Moe posted the link above.

[Cassietw]

Hi Melanie,

Actually, I want to email that person, but I am afraid to stir the waters while waiting on my mod docs..... It might end up biting me in the a$$.

I don't want to take that chance currently..... I see and know where Moe is going with that but I think I am in the critical stages and I am gonna play it safe. If I had not been offered a mod yet, I would....

Thanks and Good Luck to you!

Cassie

[dthom]

Got a COLLECTION call today for BofA. I told them we had been approved for modification and had already made our first payment. Even read them the letter we received letting us know the docs would be sent in a few days. Sylvia told me that yes she saw the payment, but we still owed over $5000 and we would continue to receive the calls. WTH, after 9 months, missing one payment altogether, and making 2 partial payments, we got approved and NOW we are going to be harrassed by collection calls. Since the trial mod payment is for 3 months, does that mean that we can expect to receive a foreclosure notice while in the trial period. Here in Michigan after the 3rd month you get notice of default and sale date info. 4th omnth they have the foreclosure sale. Last person I spoke with in retention, and the person from advocacy both indicated there would be no collection activity on the account while we were in the trial period. Sylvia was very rude when I asked how and why this is happening now that I have an approval, she said "If you dont like it call advocacy on Monday". But did insist I needed to take care of the $5000.

I really don't need this. As it is I keep waiting for the other shoe to drop, and for them to tell me they made a mistake. I am doing all I can to get the Oct. payment in by the first, as I didn't pay the first until Sept. 10, when I called to make my regular payment, I wasn't even given 30 days to make the first trial payment, I was told to make it them, which only gave me 3 weeks until next payment. UGH! I so hate these people. Just want this over and done with, papers signed. I dont' even know the terms of the modification yet.

[Cassietw]

That really sucks! I would definitely call advocacy back on Monday or write another letter to Barbara about the inconsistencies.... It is totally ridiculous! I know, coming up with money out of thin air is not fun.....but I think we have all done it before.....You can do it!

Hope you have a good weekend! I usually stay away from the computer on the weekends but decided to hop on this morning..... (I am probably avoiding house work...)

Let me know what happens on Monday!

Hugs,

Cassie

[so-cal-gal]

Originally Posted by dthom

Got a COLLECTION call today for BofA. I told them we had been approved for modification and had already made our first payment. Even read them the letter we received letting us know the docs would be sent in a few days. Sylvia told me that yes she saw the payment, but we still owed over $5000 and we would continue to receive the calls. WTH, after 9 months, missing one payment altogether, and making 2 partial payments, we got approved and NOW we are going to be harrassed by collection calls. Since the trial mod payment is for 3 months, does that mean that we can expect to receive a foreclosure notice while in the trial period. Here in Michigan after the 3rd month you get notice of default and sale date info. 4th omnth they have the foreclosure sale. Last person I spoke with in retention, and the person from advocacy both indicated there would be no collection activity on the account while we were in the trial period. Sylvia was very rude when I asked how and why this is happening now that I have an approval, she said "If you dont like it call advocacy on Monday". But did insist I needed to take care of the $5000.

I really don't need this. As it is I keep waiting for the other shoe to drop, and for them to tell me they made a mistake. I am doing all I can to get the Oct. payment in by the first, as I didn't pay the first until Sept. 10, when I called to make my regular payment, I wasn't even given 30 days to make the first trial payment, I was told to make it them, which only gave me 3 weeks until next payment. UGH! I so hate these people. Just want this over and done with, papers signed. I dont' even know the terms of the modification yet.

DO NOT send a payment without a contract. This looks like just another variation on their schemes to get money out of people without having a contract in place.

I REALLY question whether you REALLY have a trial payment agreement even coming. This sounds a little too much like the other scams they have perpetrated to get people to make payments, meanwhile 'setting them up' for foreclosure even while taking the payments.

Look at what BofA has done refusing all the CA AG modification contracts. That was THOUSANDS of contracts that have been arbitrarily canceled, denied or never honored. With most, they took several months of payments and then demanded a sum of over $10K from each of them or face bankruptcy. Oh and you also needed to be paying your original amount AND your credit had been messed with by reports of partial or late payments.

[dthom]

While I don't have the actual modification agreement. I have a fed ex letter from BofA stating I have been approved, along with the amount of the trial payment and a payment coupon and envelope to mail my next payment if I choose to mail it instead of paying by phone. I was told that I have either option.
So I don't doubt that there is a modification taking place, letter dated the 15th also states that I will be receiving the modification docs in a few more days. I just don't understand the logic in now making collection call to me, when prior to this no calls were ever made. Even when I didn't pay one month.

Monday I will call BofA and see if I can get hold of my negotiator or anyone else in advocacy that can clarify things for me.

My son was part of the AG settlement here in Michigan. Lost a home to foreclosure in 2006. He got some paperwork from the AG's office today. If it is the news he has been waiting for, it should be his paperwork to file a claim for the $1800 settlement payment.

[so-cal-gal]

Originally Posted by dthom

While I don't have the actual modification agreement. I have a fed ex letter from BofA stating I have been approved, along with the amount of the trial payment and a payment coupon and envelope to mail my next payment if I choose to mail it instead of paying by phone. I was told that I have either option.
So I don't doubt that there is a modification taking place, letter dated the 15th also states that I will be receiving the modification docs in a few more days. I just don't understand the logic in now making collection call to me, when prior to this no calls were ever made. Even when I didn't pay one month.

Monday I will call BofA and see if I can get hold of my negotiator or anyone else in advocacy that can clarify things for me.

My son was part of the AG settlement here in Michigan. Lost a home to foreclosure in 2006. He got some paperwork from the AG's office today. If it is the news he has been waiting for, it should be his paperwork to file a claim for the $1800 settlement payment.

Well, I'm sitting here next to an AG Agreement Contract Modification agreement. It is dated in February. It was signed by me with a NOTARY present and I sent it back just as required, on time and with the bank statements that were required.

It STILL has not been honored. I know of 7 other like cases. At least you are in MICHIGAN. It is the only state that seems to get the agreement honored without a personally-hired ATTORNEY. My compatriots and I all have had to go the attorney-hiring route or face foreclosure.

Your collection call smells pretty fishy to me.

The fact that the MI AG will fight for you may mean you actually have a chance of a real mod contract existing. If in any other state, including CA where the stipulated settlement agreement was filed in court, I would not believe it at all.

You are LUCKY you live in Michigan. The AG there and the MI Housing Authority have been pulling in senior banking examiners and the like on BofA, forcing contracts to be honored. Just be careful still, do keep things documented and if you only have instructions by phone, write them up and mail or fax the write-up to the person in question, indicating that the write-up is your understanding of the verbal communications from them.

Keep a copy of that. Togther with the payment coupon, it will help if you do have to file with the MI AG in the future.

Good luck.

Now could your MI AG teach some of the other states AGs how to DO their JOB? PLEASE? PRETTY PLEASE? Maybe an nice positive interview on Oprah about how the MI AG is getting BofA to honor the CW AG settlement agreement? (And possibly a call-in for everybody elsewhere in the country who was NOT so lucky?)

I'm dreaming again.

[nativelasvegan]

Originally Posted by dthom

While I don't have the actual modification agreement. I have a fed ex letter from BofA stating I have been approved, along with the amount of the trial payment and a payment coupon and envelope to mail my next payment if I choose to mail it instead of paying by phone. I was told that I have either option.
So I don't doubt that there is a modification taking place, letter dated the 15th also states that I will be receiving the modification docs in a few more days. I just don't understand the logic in now making collection call to me, when prior to this no calls were ever made. Even when I didn't pay one month.

Monday I will call BofA and see if I can get hold of my negotiator or anyone else in advocacy that can clarify things for me.

My son was part of the AG settlement here in Michigan. Lost a home to foreclosure in 2006. He got some paperwork from the AG's office today. If it is the news he has been waiting for, it should be his paperwork to file a claim for the $1800 settlement payment.

I found this on the internet. Don't know if will help. Just thought I'd share.
Home Affordable Modification Trial Period Cover Letter (Income Verified)

[Cassietw]

Update: No docs yet. Called advocacy again. Got transferred to a supervisor who then transferred me to the negotiator. The negotiator was upset that I managed to get through to her again and stated that I was now slowing her down on other things she needed to do. That I was in line with about 1000 mods she is assigned to and that I was at the bottom of the list. (How reassurring is that??!!) Anyway I got her agreement to look at the NACA database today and get docs out to me. She says she never recevied the response from NACA that the proposal was accepted. She said if they sent a response to a general email instead of sending it directly to her it would take a week or more for her to be routed the email.

*******With that said.....when you all get a NACA proposal and NACA accepts it, make sure they are sending the acceptance directly to the negotiator assigned to you! Otherwise it lands in never never land at BofA and who knows if it will ever make it to the correct negotiator.

If what she said is true, docs will be mailed out tomorrow overnight and we will receive them on Friday. I will be out of town as I am leaving for Sacramento this afternoon for my Grandmother's memorial service, but at least if my husband let's me know the docs are there, I can have a little piece of mind until I return home!

Good Luck everyone and hang in there!

Cassie