Failure is not an option for us....

[Cassietw]

Originally Posted by Garry

help will find you when you least expect it.

Garry,

The same has applied to you!

Hang in there!!

~Cassie~

[Cassietw]

UPDATE: More on-line action!!

OK, so I was able to log on this morning to CW/BofA. I sent my docs back Tuesday without the HUD-1. My argument (they already have it!).

Anyway, I confirmed yesterday that the FedEx was signed for at 9:59 am in Simi Valley. (Funny, I sent it from Los Angeles and the tracking shows they flew the docs to the Oakland processing center and then back to Canoga park processing center then to Simi Valley!!) What a waste! I guess that is why it is so expensive to use FedEx!!

My on-line account has changed again.... Just waiting for the new payment amount and interest rate to be corrected!

1XXXX WXXXXXX 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 10/15/2009 Modification AGREEMENTS 10/15/2009 Modification WORKOUT ANALYSIS 10/15/2009 Modification WORKOUT LETTER 10/15/2009 Modification APPROVAL LETTER 10/15/2009 Modification AGREEMENTS 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

[Melanie702]

Originally Posted by Cassietw

UPDATE: More on-line action!!

OK, so I was able to log on this morning to CW/BofA. I sent my docs back Tuesday without the HUD-1. My argument (they already have it!).

Anyway, I confirmed yesterday that the FedEx was signed for at 9:59 am in Simi Valley. (Funny, I sent it from Los Angeles and the tracking shows they flew the docs to the Oakland processing center and then back to Canoga park processing center then to Simi Valley!!) What a waste! I guess that is why it is so expensive to use FedEx!!

My on-line account has changed again.... Just waiting for the new payment amount and interest rate to be corrected!

You're lucky, I'm jealous! CONGRATS!! GOOOOOOOOOD NEWS! Maybe one day the rest of us "rejects" will get to post good news...and I mean rejects as in they rejected us, not that we're dumb or anything

[Cassietw]

Melanie,

Thanks for the congrats!

I was rejected numerous times, had a loan mod offer, then had it cancelled for eroneous reasons....etc.... The amount of times I was was told NO, Sorry there is nothing we can do, yes, we can help, then no whoever told you that was wrong, yes we can do this, wait for papers, no papers, no record of conversations, no this and no that..... The list is never ending. I have made well over 200 calls to BofA in the last year. I made bout 30-40 to NACA since early March 09. Probably about 5-6 working weeks of my time. Not to mention the stress... The hair loss! The shingles attacks! All while my daughter was doing follow up cancer treatments and biopsies. (She is in the clear and she is expecting her first child now!)

I am a strong person in general, but if I can do this, so can others! I am not Wonder Woman (Although I have worn the costume! LOL!) It became a passion and a competition after they pi55ed me off.

Just don't give up! Keep fighting!!

Good Luck!

~Cassie~

[Melanie702]

Originally Posted by Cassietw

Melanie,

Thanks for the congrats!

I was rejected numerous times, had a loan mod offer, then had it cancelled for eroneous reasons....etc.... The amount of times I was was told NO, Sorry there is nothing we can do, yes, we can help, then no whoever told you that was wrong, yes we can do this, wait for papers, no papers, no record of conversations, no this and no that..... The list is never ending. I have made well over 200 calls to BofA in the last year. I made bout 30-40 to NACA since early March 09. Probably about 5-6 working weeks of my time. Not to mention the stress... The hair loss! The shingles attacks! All while my daughter was doing follow up cancer treatments and biopsies. (She is in the clear and she is expecting her first child now!)

I am a strong person in general, but if I can do this, so can others! I am not Wonder Woman (Although I have worn the costume! LOL!) It became a passion and a competition after they pi55ed me off.

Just don't give up! Keep fighting!!

Good Luck!

~Cassie~

I am so happy for you! Now you can finally enjoy your daughter's pregnancy and your grandchild. Glad to hear your daughter is all well.

Did you get your MOD through NACA? And is it FHA? I know you probably posted that here, but there are so many messages on here, LOL.

[Cassietw]

Originally Posted by Melanie702

I am so happy for you! Now you can finally enjoy your daughter's pregnancy and your grandchild. Glad to hear your daughter is all well.

Did you get your MOD through NACA? And is it FHA? I know you probably posted that here, but there are so many messages on here, LOL.

Pending Mod
2% for the life of the loan (329 mo.).
Old Percentage: 7% ARM
Old payment: (I/O and T/I-escrow)
$3,528.00
New Percentage: 2% Fixed (for life!)
New payment: (PITI)
$2,581.51
(2nd Mtg with Indymac unchanged)

Quick Overview
Self employed: No
Government Backed: NO (not FHA)
ARM: Yes
Interest Only: Yes
Loan Servicer: Countrywide/Bank of America
Investor: Deutsche Bank (Does not extend loan terms)
NACA submitted: March 26th, 2009
Emailed Barbara Desoer - BofA: End of May 2009
BofA acknowledged NACA submission: June 1, 2009
BPO: July 2009 (BPO = Broker Price Opinion = curbside appraisal)
BofA proposal to NACA: Sept 11, 2009 (Not NACA solution)
NACA acceptance to BofA: Sept 11, 2009 (Per my request)
Current Status: Received docs on 10/12/2009, FedEx'd them back to BofA on 10/13/2009. My on-line account in the workout status area was updated 10/15/2009 (Today) to reflect the approval. Waiting for on-line account to reflect new loan terms. I got these docs after 4 calls and speaking with Jonathan Murphy.

More info...
Current on mortgage (never late) through April 2009.
Missed May
1/2 payment June ($1800.00- was applied to escrow account & BPO fee)
Missed July
Missed Aug
Missed Sept
Missed Oct
Don't have to pay Nov.
First new payment due Dec 1st, 2009.

It is not the NACA solution that was proposed, but I advocated with BofA and was a squeaky wheel. I did not drop NACA as I felt they were a backup to my actions and if what I was doing to push the mod through did not work and I ended up with a sale date, NACA has a good record of putting the sale dates off. I refused to drop NACA many times with BofA and I continually pushed and called to get people to talk to me. Many that said they could not give me data, but they DID give me data after I pushed for it. I kept pulling the "poor me" card!

I hope this helps people get an idea....

Good luck everyone! Don't give up!!

~Cassie~

[davephx]

Great!

Also confirms can have NACA as a backup which maybe put on more pressure, who knows. You don't really care which gets done as long as a good solution as yours seems to be.

[Melanie702]

Thanks a lot, Cassie. Good info.

I applied with NACA in March, was submitted in April, never heard from them again even after making numerous phone calls and phone appointments. I talked to Kevin in September, he sent in my financial info (wrong again lol) to Bank of America....emailed him this Sunday and he's been on Bank of America since. WISH ME LUCK! I need it...we all do. I was told the same thing as you, "you qualify. You don't qualify. You qualify." The same thing. Different answers all the time. I lost work time too to take care of this.

[Cassietw]

Originally Posted by Melanie702

Thanks a lot, Cassie. Good info.

I applied with NACA in March, was submitted in April, never heard from them again even after making numerous phone calls and phone appointments. I talked to Kevin in September, he sent in my financial info (wrong again lol) to Bank of America....emailed him this Sunday and he's been on Bank of America since. WISH ME LUCK! I need it...we all do. I was told the same thing as you, "you qualify. You don't qualify. You qualify." The same thing. Different answers all the time. I lost work time too to take care of this.

NACA had all my financials wrong. I ended getting advocacy to fix it. They (BofA) said I had to get NACA to do it....NACA wouldn't on 3 different attempts, so I talked someone at advocacy (BofA) into it! (NACA still has it wrong! LOL!)

Squeaky wheel! Squeaky wheel! Squeaky wheel!

But not whiney!!!!! They hear whiney people all day! Find what sympathy button works and use it!

Keep calling and pushing!

Good Luck!

~Cassie~

[Cassietw]

Originally Posted by davephx

great!

Also confirms can have naca as a backup which maybe put on more pressure, who knows. You don't really care which gets done as long as a good solution as yours seems to be.

******* exactly!!!!!! *******

[pdsfoley]

Originally Posted by Garry

A vid to check out: YouTube - Spiders On Drugs

OMG!! I hate SPIDERS.........but that was hysterical!!! thanks for the laugh!!!!

[Garry]

Originally Posted by pdsfoley

OMG!! I hate SPIDERS.........but that was hysterical!!! thanks for the laugh!!!!

I thought so too! Congrats Cassie!

[CW California]

Originally Posted by Cassietw

Melanie,

Thanks for the congrats!

I was rejected numerous times, had a loan mod offer, then had it cancelled for eroneous reasons....etc.... The amount of times I was was told NO, Sorry there is nothing we can do, yes, we can help, then no whoever told you that was wrong, yes we can do this, wait for papers, no papers, no record of conversations, no this and no that..... The list is never ending. I have made well over 200 calls to BofA in the last year. I made bout 30-40 to NACA since early March 09. Probably about 5-6 working weeks of my time. Not to mention the stress... The hair loss! The shingles attacks! All while my daughter was doing follow up cancer treatments and biopsies. (She is in the clear and she is expecting her first child now!)

I am a strong person in general, but if I can do this, so can others! I am not Wonder Woman (Although I have worn the costume! LOL!) It became a passion and a competition after they pi55ed me off.

Just don't give up! Keep fighting!!

Good Luck!

~Cassie~

haha Cassie maybe you should dress up like wonder woman for halloween and put the picture up here. lol

[Cassietw]

CW Cali! HA HA!! I actually have a picture of me as Wonder Woman from Halloween from 2 years ago! I will put it in my profile in a few minutes! It's a bit embarrasing though! I look FAT!! Or...I am FAT! (Photos add 10 pounds right!? LOLOLOLOL!!!!)

All in Fun!!

~Cassie~

[Cassietw]

Ok, it has been added to the Album!

[CW California]

Originally Posted by Cassietw

Ok, it has been added to the Album!

You're a great wonder woman! Who would of thought it was true in regards to getting your loan modified! You and I have had similar results so that qualifies me as wonder girl!!

[Cassietw]

Originally Posted by CW California

You and I have had similar results so that qualifies me as wonder girl!!

HAHAHA!! Wonder Girl sounds better than WOMAN! To me I hear Wonder Woman and think PLUS SIZE! LOL!!!

[caldwellb02]

Garryyyy - I love the soft side of you too. Hang in there. something may be shifting for us. Or not.

[Ariel]

Cassietw~I been reading about this site and very overwhelm with information. My lender is CW/BoA as well. Would it be okay if I can speak with you; your feedback from your experienced with BoA is very appreciated. Ariel/Sacramento, CA

[Cassietw]

Hi Ariel!

Welcome to the forums! I have my entire story from start to current in this thread. What would you like to know??

Cassie

[Ariel]

Hi Cassietw, thank you for your reply. What are my chances with CW/BoA? i did not pay my Oct mortgage. At least my goal is for them to give me manageable (of course my house is upside down as well.) payments. I am single parent -just making my living just right (no savings). I'd like to keep my home of 5 years. What can you say any feedback is appreciated. Seems like and made it sounds I need to be in a hardship only to get qualified for program so I did.

[Cassietw]

Originally Posted by Ariel

Hi Cassietw, thank you for your reply. What are my chances with CW/BoA? i did not pay my Oct mortgage. At least my goal is for them to give me manageable (of course my house is upside down as well.) payments. I am single parent -just making my living just right (no savings). I'd like to keep my home of 5 years. What can you say any feedback is appreciated. Seems like and made it sounds I need to be in a hardship only to get qualified for program so I did.

Hi Ariel, Sorry for the delay in getting back to you. I am not on-line sometimes very often. I might be around in spurts only... so make sure you start a thread and put your specifics in it. There are a lot of members here who can help you...

You haven't given me much information other than maybe you "created" a hardship? I don't quite understand. If you are a single parent and want to keep your home...do you have a hardship and cannot afford your current payment? Or, is it just that you are upsidedown and want a better percentage rate? Can you provide more data?

Thanks!
Good Luck!

Cassie

[mimirayo]

Congrats Cassie.your story helped change my 'tude today. It's great to hear that there are sucesses!

[Cassietw]

Originally Posted by mimirayo

Congrats Cassie.your story helped change my 'tude today. It's great to hear that there are sucesses!

I am glad it helped.....It is my wish that posting our nightmare roller coaster ride with CW/BofA would help people!


Good Luck!!

Cassie

[I'mSickOfThis]

Hi Cassie,
I'm dealing with Jonathan Murphy, too. The email he sent to NACA said we didn't pass the NPV test. Get this, he wants to increase my rate from 6.25 to 7.5. That's alot of help. Did you meet with this kind of resistance?

Thanks