Failure is not an option for us.... - Page 13 - Loan Modification Forum

stressedout1 · 10-07-2009, 04:12 PM

cassietw,
virtual "hug" back to you...

CW California · 10-07-2009, 04:48 PM

Hugs to all you strong women!
My life just got more interesting! I'm a grandma now........... Don't know whether to laugh or cry! Not the best of situations but we are going to make the best of it cause, after all, it's a baby!

ama125 · 10-07-2009, 05:04 PM

Quote:

Originally Posted by CW California

Hugs to all you strong women!
My life just got more interesting! I'm a grandma now........... Don't know whether to laugh or cry! Not the best of situations but we are going to make the best of it cause, after all, it's a baby!

Congrats CW! That is fantastic...embrace your new "role"!

pdsfoley · 10-07-2009, 05:12 PM

Quote:

Originally Posted by CW California

Hugs to all you strong women!
My life just got more interesting! I'm a grandma now........... Don't know whether to laugh or cry! Not the best of situations but we are going to make the best of it cause, after all, it's a baby!

CONGRATS!!!! have fun!! its a new baby!!!

Cassietw · 10-07-2009, 05:27 PM

Congrats CW!!!

I am right behind you come next April!

Laugh and Cry!!!

Why not!!??!

CW California · 10-07-2009, 07:18 PM

tx ama,pds and Cassie
It's scary! Oh by the way, it's a boy! Am thinking very positive thoughts that these kids will be able to provide a good home for the little guy! HUGS TO ALL !

CW California · 10-07-2009, 07:22 PM

Quote:

Originally Posted by stressedout1

congrats sandyg!!! that was my feeling exactly when we got our mod. thank you everyone on loansafe for their honesty and support...

cassietw! seriously, that catch phrase "failure is not an option" kept me going for my fight. hang in there. keep bugging them for the paperwork. when i contacted advocacy for my paperwork, they told me different dates, yet i received both loan docs on the very same day i called them.

cw, you rock!!!

is it me, or a lot of us on here are women? hehe...

So do you! Rock on!

pdsfoley · 10-07-2009, 10:06 PM

Woman here!!!! We ROCK!!!!!

so-cal-gal · 10-08-2009, 03:46 AM

Quote:

Originally Posted by pdsfoley

Woman here!!!! We ROCK!!!!!

And we file our court cases. Wasting the attorney's time is not acceptable.

The count of cases I know of that are preparing or filing suits is at least 12-14. These are all specifically 'CW AG Mod' cases, regardless of the state where the case is located.

The principle stinking strategy of never signing the modification contract is now spreading to a number of other lenders.

The strategy of not signing the modification contract AND transfer of the note during the time frame when the modification contract is SUPPOSEDLY being implemented in the underlying note ALSO is spreading to a number of other lenders.

Cassietw · 10-08-2009, 04:09 PM

UPDATE: Advocacy Department...

Okay, so I got through to one of David's replacements.... He was very pleasant but rushed. Not quite the same as talking to David, but I don't think anyone could out do him!

Anyway, he saw that the acceptance from NACA had not been noted and he would escalate the proposal and have the docs sent out. (I have heard that before-more than once!)

He said I should receive them in 5-7 business days. He said the first payment is still set up to be Nov 1st..... Just proves that the Negotiator was not truthful when she said she was sending the docs out and going into the NACA database to confirm the response almost 2 weeks ago...

I hope I get them soon. 5-7 business days will be between 15th-19th. Then we have to review, call NACA with any questions, get notarized and send back to BofA.

THEN.... Make sure BofA acknowledges receipt of docs and gets them processed and their system updated to reflect the correct payments on our account.

Funny, I was never a patient person...and I have been quite impatient throughout this roller coaster ride...but I am finding the little things don't bug me as much as they used to, and.........

I am growing patient...

Go figure!

Cassie

Cassietw · 10-09-2009, 12:46 PM

UPDATE!!!!

Looks like my call to David's replacement actually did SOMETHING! But it says if I don't get docs by 12/08/2009 and my first payment is 11/01/2009. I am still gonna call in the first payment regardless! (Crossing Fingers and Toes!!)

Workout Information	Print this page \| FAQ

1XXXX WXXXXX Avenue | Home Loan # XXXXXXXXX

Documents Received

Processing Date	Workout Type	Document Type
08/24/2009	Modification	FAX COVER SHEET
08/24/2009	Modification	PAY STUB
08/27/2009	Modification	WORKOUT OTHER

The above list is real-time and reflects the documents processed to date for this account. We may have received additional documents recently sent to us that have not been processed and therefore do not appear in the list. Please do not call us to check the status of a document not showing in the list as our representatives will not be able to provide any additional information than what is shown here. Thank you for your patience.

Current Workout Status

Loan Modification

Workout Status Details:	Your Loan Modification has been approved, and all collections activities have been suspended as a result of this approval. Next steps will include a call from a workout negotiator who will explain the terms and options of your approved workout including all conditions required for the final completion of the workout, such as upfront funds. You will also receive a package of documents in the mail. These documents are time sensitive and must be signed, notarized and returned to us in 10 days, including any required upfront funds. If you have not received your workout package and/or a phone call from your negotiator by 12/08/2009, please contact us. Please do not call back before 12/08/2009 as that may delay the process. Please respond promptly to any calls or requests that you may receive from us during this time period. Lack of response will cause your workout to be delayed or cancelled. Thank you.
Information as of:	10/09/2009
Workout Stage:	Approved

j-nice · 10-09-2009, 01:11 PM

Yippee, yahoo, and hoorah!!! You should actually put that in a picture frame and save it...that is beautiful. Good luck to you and I hope you get your docs soon. Hang in there!

nativelasvegan · 10-09-2009, 01:47 PM

YES!!!
I AM SO HAPPY FOR YOU!

I am also very to see it is possible. GOOD LUCK!

pdsfoley · 10-09-2009, 02:25 PM

Quote:

Originally Posted by Cassietw

UPDATE!!!!

Looks like my call to David's replacement actually did SOMETHING! But it says if I don't get docs by 12/08/2009 and my first payment is 11/01/2009. I am still gonna call in the first payment regardless! (Crossing Fingers and Toes!!)

Workout Information	Print this page \| FAQ

1XXXX WXXXXX Avenue | Home Loan # XXXXXXXXX

Documents Received

Processing Date	Workout Type	Document Type
08/24/2009	Modification	FAX COVER SHEET
08/24/2009	Modification	PAY STUB
08/27/2009	Modification	WORKOUT OTHER

The above list is real-time and reflects the documents processed to date for this account. We may have received additional documents recently sent to us that have not been processed and therefore do not appear in the list. Please do not call us to check the status of a document not showing in the list as our representatives will not be able to provide any additional information than what is shown here. Thank you for your patience.

Current Workout Status

Loan Modification

Workout Status Details:	Your Loan Modification has been approved, and all collections activities have been suspended as a result of this approval. Next steps will include a call from a workout negotiator who will explain the terms and options of your approved workout including all conditions required for the final completion of the workout, such as upfront funds. You will also receive a package of documents in the mail. These documents are time sensitive and must be signed, notarized and returned to us in 10 days, including any required upfront funds. If you have not received your workout package and/or a phone call from your negotiator by 12/08/2009, please contact us. Please do not call back before 12/08/2009 as that may delay the process. Please respond promptly to any calls or requests that you may receive from us during this time period. Lack of response will cause your workout to be delayed or cancelled. Thank you.
Information as of:	10/09/2009
Workout Stage:	Approved

CONGRATS!!!!!!!!!!!!!!!!!!!! Now I need the same thing........what am I doing wrong???? I cslled NACA no luck...Guess I'll try Davids Replacements!!! SO HAPPY FOR YOU!!!!!!!!!!!!!!!!!!!

Cassietw · 10-09-2009, 03:16 PM

Thanks J-nice, NativeLV and PDS!!

Call Jonathan! Not Anthony.....

I lucked out and got through to him....I was very skeptical, but it looks like things are moving!!!! YAY!!!!

Hey, anyone seen dthom???? I am worried that she has not been around after hearing about her hubby and possible heart failure! Pray for them just in case!!!

~Cassie~

ama125 · 10-09-2009, 03:31 PM

Congrats! I hope to some day soon post my own success story!

Leahh · 10-09-2009, 03:40 PM

Congratulations on the baby. I am a grandmother as well of a two year old he just had surgery on Tuesday but he is recuperating. Wanted to know who has had any experience with Bank United in Florida? The FDIC took them over and I had to complain to FDIC to get a response about what happened to my loan modification but the bank made sure they continued with the foreclosure process.

I'mSickOfThis · 10-09-2009, 03:50 PM

Quote:

Originally Posted by Cassietw

UPDATE!!!!

Looks like my call to David's replacement actually did SOMETHING! But it says if I don't get docs by 12/08/2009 and my first payment is 11/01/2009. I am still gonna call in the first payment regardless! (Crossing Fingers and Toes!!)

Workout Information	Print this page \| FAQ

1XXXX WXXXXX Avenue | Home Loan # XXXXXXXXX

Documents Received

Processing Date	Workout Type	Document Type
08/24/2009	Modification	FAX COVER SHEET
08/24/2009	Modification	PAY STUB
08/27/2009	Modification	WORKOUT OTHER

The above list is real-time and reflects the documents processed to date for this account. We may have received additional documents recently sent to us that have not been processed and therefore do not appear in the list. Please do not call us to check the status of a document not showing in the list as our representatives will not be able to provide any additional information than what is shown here. Thank you for your patience.

Current Workout Status

Loan Modification

Workout Status Details:	Your Loan Modification has been approved, and all collections activities have been suspended as a result of this approval. Next steps will include a call from a workout negotiator who will explain the terms and options of your approved workout including all conditions required for the final completion of the workout, such as upfront funds. You will also receive a package of documents in the mail. These documents are time sensitive and must be signed, notarized and returned to us in 10 days, including any required upfront funds. If you have not received your workout package and/or a phone call from your negotiator by 12/08/2009, please contact us. Please do not call back before 12/08/2009 as that may delay the process. Please respond promptly to any calls or requests that you may receive from us during this time period. Lack of response will cause your workout to be delayed or cancelled. Thank you.
Information as of:	10/09/2009
Workout Stage:	Approved

OMG - I'm so happy for you. You've been waiting for such a long time. You did it!!!!!! Hope you have a very happy week end!

Cassietw · 10-13-2009, 09:50 AM

Update: DOCS RECEIVED!!!!

Okay, so I got home last night and the FedEx was on the front porch!!

A bit of a change though....

It says first pament is 12/01/2009 instead of 11/01/2009 that I was told verbally over the phone.

Also, since it is now Dec instead of Nov, the new monthly payment amount went from $2562.00 to $2581.51

But it is 2% for the remaining term!!! PITI!! WHOOO HOOOOO!

So I just received the docs last night and it says I have to have them mailed no later than 10/18/2009 <----- A Sunday!!

So I will actually be mailing them tomorrow or by Thursday at the latest!!! Just have to include copies of the last months paystubs for hubby and me and get the docs notarized.

There was a cover letter on the front that noted there was upfront funds needed by certified check or money order. But when reviewing the docs, they applied the $1800.00 partial payment I made last June to the past due escrow and a charge for the BPO. So it ends up to be balance due $0.00.... Whew!

Good Luck everyone! I will keep you posted and let you know when the website gets updated with the new terms. this has been one heck of a ride!!

Hang on!!!

~Cassie~

ama125 · 10-13-2009, 10:02 AM

YIPPEE! That is fantastic Cassie! I am so excited for you that they actually came! Your story is an inspiration to hang in there!

j-nice · 10-13-2009, 10:19 AM

Cassie-Congratulations!!!!

I know this has got to take the weight of the world off your shoulders! You sure have been through alot this year. Keep us posted on how your online account goes as far as getting updated.

Question-what is it about Jonathan that you prefer over Anthony? I have talked with Anthony on several occasions and he has replied to me by email as well. Is Jonathan more like our David???

Melanie702 · 10-13-2009, 10:22 AM

Hey Cassie, congratulations!!!!! Now you can actually start living again.

whatdidigetinto · 10-13-2009, 10:23 AM

Congratulations!!!I'm so glad your so close to the end!

Cassietw · 10-13-2009, 10:42 AM

Thanks Everyone!!

I can't say anyone is as good as David and he was not as friendly (or maybe I should says as personable) as David, but he told me exactly what was going on with my mod and said the paperwork would be sent, AND IT WAS!!!

I am going at lunch with my hubby to get the docs notarized....

Can anyone tell me what the below means exactly???

This offer is contingent on the following:

* A lender's title insurance policy or endorsement, which insures the Modified Mortgage as a valid lien in accordance with our requirements. If you have any other encumbrances on the property, then you may be required to obtain agreements by which other secured creditor's subordinate their interest to the Modified Mortgage.

Is this something they already have? It is listed under "What You Should Do". It also requests updated financials..(no brainer).

It also says....

This offer is contingent upon BAC Home Loans Servicing, LP receiving relief from the Automatic Stay for any bankruptcy in which the property referred to in the Loan Modification Agreement is included at the time of the Modification.

But we aren't in a BK or planning to BK.... what does that mean??? Incase there is a BK pending??

Any data would be appreciated!!

~Cassie~

Cassietw · 10-13-2009, 11:01 AM

Is the "lender's title insurance policy" the same as the "HUD-1" ??? Or found on the Hud-1???

Thanks!

Cassie

10-07-2009, 04:12 PM	#301 (permalink)
stressedout1 Senior Member Join Date: Feb 2009 Posts: 99 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Failure is not an option for us.... cassietw, virtual "hug" back to you...

10-07-2009, 04:48 PM	#302 (permalink)
CW California Senior Member Join Date: Feb 2009 Location: SoCal Posts: 1,127 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Failure is not an option for us.... Hugs to all you strong women! My life just got more interesting! I'm a grandma now........... Don't know whether to laugh or cry! Not the best of situations but we are going to make the best of it cause, after all, it's a baby!

10-07-2009, 05:27 PM	#305 (permalink)
Cassietw Senior Member Join Date: Feb 2009 Location: Foothills-Los Angeles Posts: 486 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Failure is not an option for us.... Congrats CW!!! I am right behind you come next April! Laugh and Cry!!! Why not!!??!

10-07-2009, 07:18 PM	#306 (permalink)
CW California Senior Member Join Date: Feb 2009 Location: SoCal Posts: 1,127 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Failure is not an option for us.... tx ama,pds and Cassie It's scary! Oh by the way, it's a boy! Am thinking very positive thoughts that these kids will be able to provide a good home for the little guy! HUGS TO ALL !

10-07-2009, 10:06 PM	#308 (permalink)
pdsfoley Senior Member Join Date: Feb 2009 Posts: 416 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Failure is not an option for us.... Woman here!!!! We ROCK!!!!!

10-08-2009, 04:09 PM	#310 (permalink)
Cassietw Senior Member Join Date: Feb 2009 Location: Foothills-Los Angeles Posts: 486 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Failure is not an option for us.... UPDATE: Advocacy Department... Okay, so I got through to one of David's replacements.... He was very pleasant but rushed. Not quite the same as talking to David, but I don't think anyone could out do him! Anyway, he saw that the acceptance from NACA had not been noted and he would escalate the proposal and have the docs sent out. (I have heard that before-more than once!) He said I should receive them in 5-7 business days. He said the first payment is still set up to be Nov 1st..... Just proves that the Negotiator was not truthful when she said she was sending the docs out and going into the NACA database to confirm the response almost 2 weeks ago... I hope I get them soon. 5-7 business days will be between 15th-19th. Then we have to review, call NACA with any questions, get notarized and send back to BofA. THEN.... Make sure BofA acknowledges receipt of docs and gets them processed and their system updated to reflect the correct payments on our account. Funny, I was never a patient person...and I have been quite impatient throughout this roller coaster ride...but I am finding the little things don't bug me as much as they used to, and......... I am growing patient... Go figure! Cassie

10-09-2009, 01:11 PM	#312 (permalink)
j-nice Senior Member Join Date: Feb 2009 Location: ST CLAIR SHORES, MI Posts: 382 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Failure is not an option for us.... Yippee, yahoo, and hoorah!!! You should actually put that in a picture frame and save it...that is beautiful. Good luck to you and I hope you get your docs soon. Hang in there!

10-09-2009, 01:47 PM	#313 (permalink)
nativelasvegan Senior Member Join Date: Sep 2009 Location: Near Austin, TX Posts: 772 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Failure is not an option for us.... YES!!! I AM SO HAPPY FOR YOU! I am also very to see it is possible. GOOD LUCK!

10-09-2009, 03:16 PM	#315 (permalink)
Cassietw Senior Member Join Date: Feb 2009 Location: Foothills-Los Angeles Posts: 486 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Failure is not an option for us.... Thanks J-nice, NativeLV and PDS!! Call Jonathan! Not Anthony..... I lucked out and got through to him....I was very skeptical, but it looks like things are moving!!!! YAY!!!! Hey, anyone seen dthom???? I am worried that she has not been around after hearing about her hubby and possible heart failure! Pray for them just in case!!! ~Cassie~

10-09-2009, 03:31 PM	#316 (permalink)
ama125 Senior Member Join Date: Jun 2009 Location: Reading, PA Posts: 1,488 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Failure is not an option for us.... Congrats! I hope to some day soon post my own success story!

10-09-2009, 03:40 PM	#317 (permalink)
Leahh Member Join Date: Sep 2009 Posts: 8 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Failure is not an option for us.... Congratulations on the baby. I am a grandmother as well of a two year old he just had surgery on Tuesday but he is recuperating. Wanted to know who has had any experience with Bank United in Florida? The FDIC took them over and I had to complain to FDIC to get a response about what happened to my loan modification but the bank made sure they continued with the foreclosure process.

10-13-2009, 09:50 AM	#319 (permalink)
Cassietw Senior Member Join Date: Feb 2009 Location: Foothills-Los Angeles Posts: 486 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Failure is not an option for us.... Update: DOCS RECEIVED!!!! Okay, so I got home last night and the FedEx was on the front porch!! A bit of a change though.... It says first pament is 12/01/2009 instead of 11/01/2009 that I was told verbally over the phone. Also, since it is now Dec instead of Nov, the new monthly payment amount went from $2562.00 to $2581.51 But it is 2% for the remaining term!!! PITI!! WHOOO HOOOOO! So I just received the docs last night and it says I have to have them mailed no later than 10/18/2009 <----- A Sunday!! So I will actually be mailing them tomorrow or by Thursday at the latest!!! Just have to include copies of the last months paystubs for hubby and me and get the docs notarized. There was a cover letter on the front that noted there was upfront funds needed by certified check or money order. But when reviewing the docs, they applied the $1800.00 partial payment I made last June to the past due escrow and a charge for the BPO. So it ends up to be balance due $0.00.... Whew! Good Luck everyone! I will keep you posted and let you know when the website gets updated with the new terms. this has been one heck of a ride!! Hang on!!! ~Cassie~

10-13-2009, 10:02 AM	#320 (permalink)
ama125 Senior Member Join Date: Jun 2009 Location: Reading, PA Posts: 1,488 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Failure is not an option for us.... YIPPEE! That is fantastic Cassie! I am so excited for you that they actually came! Your story is an inspiration to hang in there!

10-13-2009, 10:19 AM	#321 (permalink)
j-nice Senior Member Join Date: Feb 2009 Location: ST CLAIR SHORES, MI Posts: 382 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Failure is not an option for us.... Cassie-Congratulations!!!! I know this has got to take the weight of the world off your shoulders! You sure have been through alot this year. Keep us posted on how your online account goes as far as getting updated. Question-what is it about Jonathan that you prefer over Anthony? I have talked with Anthony on several occasions and he has replied to me by email as well. Is Jonathan more like our David???

10-13-2009, 10:22 AM	#322 (permalink)
Melanie702 Senior Member Join Date: Mar 2009 Location: Las Vegas, Nevada Posts: 535 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Failure is not an option for us.... Hey Cassie, congratulations!!!!! Now you can actually start living again.

10-13-2009, 10:23 AM	#323 (permalink)
whatdidigetinto Senior Member Join Date: Apr 2008 Posts: 155 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Failure is not an option for us.... Congratulations!!!I'm so glad your so close to the end!

10-13-2009, 10:42 AM	#324 (permalink)
Cassietw Senior Member Join Date: Feb 2009 Location: Foothills-Los Angeles Posts: 486 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Failure is not an option for us.... Thanks Everyone!! I can't say anyone is as good as David and he was not as friendly (or maybe I should says as personable) as David, but he told me exactly what was going on with my mod and said the paperwork would be sent, AND IT WAS!!! I am going at lunch with my hubby to get the docs notarized.... Can anyone tell me what the below means exactly??? This offer is contingent on the following: * A lender's title insurance policy or endorsement, which insures the Modified Mortgage as a valid lien in accordance with our requirements. If you have any other encumbrances on the property, then you may be required to obtain agreements by which other secured creditor's subordinate their interest to the Modified Mortgage. Is this something they already have? It is listed under "What You Should Do". It also requests updated financials..(no brainer). It also says.... This offer is contingent upon BAC Home Loans Servicing, LP receiving relief from the Automatic Stay for any bankruptcy in which the property referred to in the Loan Modification Agreement is included at the time of the Modification. But we aren't in a BK or planning to BK.... what does that mean??? Incase there is a BK pending?? Any data would be appreciated!! ~Cassie~

10-13-2009, 11:01 AM	#325 (permalink)
Cassietw Senior Member Join Date: Feb 2009 Location: Foothills-Los Angeles Posts: 486 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Failure is not an option for us.... Is the "lender's title insurance policy" the same as the "HUD-1" ??? Or found on the Hud-1??? Thanks! Cassie

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