Failure is not an option for us.... - Page 17 - Loan Modification Forum

Ariel · 10-20-2009, 11:56 AM

Cassietw~
What I wish for them is give me manageable rate. 42% of my monthly gross income goes to my mortgage (Principal, Interest and propterty tax). I am able to manage my mortgage and living allowance with me and daughter however, I do not have savings nor emergency money if something break in my house, good luck! I will try to make this short. I have fixed rate 5.875/30 years, underwater. After Obama's announcement of HAMP I called BOA if I can be consider for modification. They say I'm not qualified only if I am 30-90 days late. So for this Oct; I did not pay, sighting hardship..not quite sure what would happen. I'd like to keep my home even it's underwater but I want them to give me HAMP's program since I am qualified, DTI is 31% I am more than this, thanks again for your email.

Cassietw · 10-20-2009, 02:09 PM

Quote:

Originally Posted by Ariel

Cassietw~
What I wish for them is give me manageable rate. 42% of my monthly gross income goes to my mortgage (Principal, Interest and propterty tax). I am able to manage my mortgage and living allowance with me and daughter however, I do not have savings nor emergency money if something break in my house, good luck! I will try to make this short. I have fixed rate 5.875/30 years, underwater. After Obama's announcement of HAMP I called BOA if I can be consider for modification. They say I'm not qualified only if I am 30-90 days late. So for this Oct; I did not pay, sighting hardship..not quite sure what would happen. I'd like to keep my home even it's underwater but I want them to give me HAMP's program since I am qualified, DTI is 31% I am more than this, thanks again for your email.

Ariel,

Have you signed up with NACA to see if they can help? I know some people were never late and were able to get a mod....I went late simply because I could not afford it and had to pay back personal loans I took out to make my mortgage payment for about 6 months straight. Have you sent in a hardship letter? Have you email Barbara J. Desoer at BofA? Besides the call for HAMP, what other actions have you taken?

If you start your own story thread, you can keep a record of all your actions etc. I see you signed up in the forums a year ago but have only posted a few times here on this thread....Have you been reading all this time or just came back to this site after a year has passed.

Good Luck!

Cassie

Cassietw · 10-21-2009, 09:59 AM

Update: So I received a 3rd packet with the trial mod data. Advocacy told me to ignore it and that they would note the account. Yet I received a call from the HOPE dept. last night re: Are you accepting the mod?

I told them that I was already in a mod and it was permanent and not a trial. I was driving home when they called and they requested I call back when I had the docs in front of me. (Good thing I didn't throw them away!)

Anyway, they were closed by the time I called back and so I called this morning. They said I needed to deny the mod. I told them "no"...with my luck they would deny the mod I have in play. They say they see no other mod! AARRGGHH!!! I don't trust these people!!!!!!! She says I will continue to get calls and if I ignore it and don't deny it, then they would continue with forclosure! WTF!!! What is wrong with this picture!?!?

I called advocacy back again and again they insisted they have to transfer me to the OOP for special handling. Yet the last time they did that, they said, oh, your with NACA. You need to talk to advocacy.....what a friggin JOKE!!!!! After being on HOLD for almost 10 minutes to be transferred to OOP, the line hung up on me! HA!!

Ok, so now, I am on hold again with advocacy and she is connecting me to the OOP! HA! Round and Round we go...where we stop, nobody knows!!!!!!!!!!

I will update again shortly!

Cassie

Melanie702 · 10-21-2009, 10:05 AM

Quote:

Originally Posted by Cassietw

Update: So I received a 3rd packet with the trial mod data. Advocacy told me to ignore it and that they would note the account. Yet I received a call from the HOPE dept. last night re: Are you accepting the mod?

I told them that I was already in a mod and it was permanent and not a trial. I was driving home when they called and they requested I call back when I had the docs in front of me. (Good thing I didn't throw them away!)

Anyway, they were closed by the time I called back and so I called this morning. They said I needed to deny the mod. I told them "no"...with my luck they would deny the mod I have in play. They say they see no other mod! AARRGGHH!!! I don't trust these people!!!!!!! She says I will continue to get calls and if I ignore it and don't deny it, then they would continue with forclosure! WTF!!! What is wrong with this picture!?!?

I called advocacy back again and again they insisted they have to transfer me to the OOP for special handling. Yet the last time they did that, they said, oh, your with NACA. You need to talk to advocacy.....what a friggin JOKE!!!!! After being on HOLD for almost 10 minutes to be transferred to OOP, the line hung up on me! HA!!

Ok, so now, I am on hold again with advocacy and she is connecting me to the OOP! HA! Round and Round we go...where we stop, nobody knows!!!!!!!!!!

I will update again shortly!

Cassie

OMFG!!!!!!!!!!!!! You are KIDDING!!!!!!!!! I cannot believe that! Can't you call a lawyer or something if they deny you when you already have the papers in front of you? This just blows my mind. WOW. Let us know. Un-f'n-believable! WOW.

Cassietw · 10-21-2009, 10:29 AM

Ok, so she tried to transfer me to OOP. She couldn't get through herself. (imagine that!) Now she tells me that I should also do the second mod also and send a copy of the one we already sent notarized and the second one with a note diectly to the OOP. She says they have no record of receiving the first mod back.

So....not quite sure what I am going to do at this point!

Good Luck everyone! I think I am gonna need all I can get!!

Cassie

Cassietw · 10-21-2009, 11:05 AM

Oh, and one more thing! They (BofA) do not see my account flagged as NACA anymore!! How NICE of them!!!!

Gonna let my mood chill a bit and figure out what to do next!

Peace4all · 10-21-2009, 11:38 AM

Cassietw, Hang in there. You are strong and you are a machine.

My suggestion when things get this complicated- Be mechanical. Do what you are supposed to do as mechanical as possible. That takes the thinking and mind talking out of it. And also your emotions are little bit out of it. Being emotional makes it harder.

May be you can explain your situation in an email to OOP or someone and I hope they can fix it.

I'll pray for your strength and resolution in the matter.

Peace

(I just read your last post and vaguely remember your other post. sorry if i did not make much sense )

coral · 10-21-2009, 12:41 PM

Sorry Cassie ,.....don't give up!!!!! This really puts your life on hold... I got bad news again on Friday, calling back today for change of inept negoc.

Cassietw · 10-21-2009, 01:40 PM

Thanks for your support everyone....

I tried calling a number for the OOP. It routed me back to good ole customer service! I talk the person into connecting to the OOP and she comes back and says that the OOP doesn't have a file for me and because I am with NACA, they will not help me! HA!! I think my hair is turning gray! Then she says she is gonna connect me with Advocacy....but she transferred me back to good ole customer service again!!

You know I am only a 20 minute drive from Simi Valley...they are lucky I am not psycho!! At least YET!!! But I am getting closer thanks to them!!!

Now I have another chick telling me, "don't you want a second chance?" A WHAT???? She says, "the MHA is a second chance." TO WHAT???? OMG!!! Then she says it's another option.... I told her about the other mod and she said, well just do the first one. I told her I would, but no-one can seem to find the mod docs I sent back. She say's just pay the amount you are supposed to on the date it said too. Then she asks what I am so worried about...???? Is this a trick question? Then she puts me on hold for about 10 minutes and reads off the permanent loan mod we received and said they received the docs back on Oct 14th and everything is fine.......

At least I finally got someone to acknowledge receipt! Not that it matters, the next 5 people might not see it!

For all who get conflicting data, please know that you could talk to 5 people before you get the truth!

Another number I was given today... Home Retention: 800-669-0102

Good Luck everyone!

I need a vacation in Tahiti!!!

Cassie

j-nice · 10-21-2009, 02:00 PM

Cassie-I am sorry you are going through this nonsense! Did you, by chance, fax over the docs to NACA so they have them on file? If so, maybe Kevin Winn could do some enforcing for you. Good luck and stay strong!

Cassietw · 10-21-2009, 02:12 PM

Hi j-nice....

Actually, I still need to do that. Thanks for reminding me! I will do it tomorrow....

I just want this to be over with!!!!!!!

Cassie

coral · 10-21-2009, 04:11 PM

Good!!!!!!! Cassie looks like there is a light at the...... In my case.... i got a call back right away, and after explain., they 'll get a senior neg.... we'llsee. they're a mess !!!! specially after reading the report on Why they don't mod...Have a good rest today.

coral · 10-21-2009, 04:24 PM

Quote:

Originally Posted by Cassietw

Thanks for your support everyone....

You know I am only a 20 minute drive from Simi Valley...they are lucky I am not psycho!! At least YET!!! But I am getting closer thanks to them!!!

Cassie

Cassie.. I'm very close too... May be we can be the psycho twins !!! let's wait..

Cassietw · 10-21-2009, 04:42 PM

Quote:

Originally Posted by coral

Cassie.. I'm very close too... May be we can be the psycho twins !!! let's wait..

I always wished I had a twin! Buahahahahaha!!!

pdsfoley · 10-21-2009, 05:10 PM

Quote:

Originally Posted by Cassietw

I always wished I had a twin! Buahahahahaha!!!

GEEEEEEEEEEEEEEEEEEEEEEEEZ I just read that whole thread...It makes me fricken SICK!!! And here I am thinking my papers from my mod will come anyday!!! HA HA HA HA....When I called last week I told them I AM NOT MAKING THE 1st payment supposedly due Dec 1 WITHOUT those papers!!!!! I do know my account at BAC says NACA approved....but NO Docs yet.... UGHHHHHHHHHHHHHHHHHHHHHHHHH........makes me wanna SCREAM!!!! WHO is gonna get us off this damn rollercoaster?????

so-cal-gal · 10-21-2009, 08:36 PM

Quote:

Originally Posted by Cassietw

I always wished I had a twin! Buahahahahaha!!!

Cassie, you need to be aware of some possibilities. That fixed rate contract that you DID sign may be one generated as an 'AG Mod'. IF that is the case, AND you also did qualify for getting the MHA mod that has the trial period, I have seen postings where people were told that IF they qualified under MHA, any 'AG Mod' would be canceled. For that reason, BE CAREFUL. You may have signed and returned the mod but they may have INTERNALLY canceled that one within BofA.

I know this warning has several 'IF's to it. Also, as you may have noticed, you can NOT count on what the HRT personnel are telling you.

Check your account online. IF you see the mod reflected THERE, you probably do have the mod. I hope.

CW California · 10-21-2009, 08:51 PM

Quote:

Originally Posted by Cassietw

Hi j-nice....

Actually, I still need to do that. Thanks for reminding me! I will do it tomorrow....

I just want this to be over with!!!!!!!

Cassie

OMG Cassie, I can't believe this!!!! (Well ok I guess I can.) When you call advocacy are you talking directly to Jonathon Murphy x 9556 or Anthony Lopez X8751. 866-806-2434? Hey maybe you could call David's old extension??? I also noticed today that there was a note on the BofA sight today that how we access our account will change next month. It sounds like the Countrywide site is going away and we'll have to access it via the BofA sight.

so-cal-gal · 10-21-2009, 10:29 PM

Quote:

Originally Posted by CW California

OMG Cassie, I can't believe this!!!! (Well ok I guess I can.) When you call advocacy are you talking directly to Jonathon Murphy x 9556 or Anthony Lopez X8751. 866-806-2434? Hey maybe you could call David's old extension??? I also noticed today that there was a note on the BofA sight today that how we access our account will change next month. It sounds like the Countrywide site is going away and we'll have to access it via the BofA sight.

I've been to told that BofA is actually migrating ALL BofA to use the CW system. It may be that you will use a BofA account, but from what I'd heard, the CW software was actually somehow better than what BofA had.

davephx · 10-21-2009, 10:39 PM

WSJ reports today that BOA on a CW mortgage for an 85 yr old took a huge loss and did a reverse mortgage for $85,000 on like a $425,000 mortgage so 85 yr old makes no more mortgage payments and upon death BOA gets house.

It said BOA has done like 11 of these as I recall. They are all related to the CW suit and she was lied to about how fast payments would go up. These are all very special situations.

so-cal-gal · 10-21-2009, 10:47 PM

Quote:

Originally Posted by pdsfoley

GEEEEEEEEEEEEEEEEEEEEEEEEZ I just read that whole thread...It makes me fricken SICK!!! And here I am thinking my papers from my mod will come anyday!!! HA HA HA HA....When I called last week I told them I AM NOT MAKING THE 1st payment supposedly due Dec 1 WITHOUT those papers!!!!! I do know my account at BAC says NACA approved....but NO Docs yet.... UGHHHHHHHHHHHHHHHHHHHHHHHHH........makes me wanna SCREAM!!!! WHO is gonna get us off this damn rollercoaster?????

SCREAM, CRY OR BOTH!

If you guys have the rollercoaster, then I've got the bucking bronco where they are doing everything to 'buck' me out of my house! Let me tell you, this is no rollercoaster ride I'm on.

It is certainly more thrilling and death-defying than ANY ride I would EVER PAY to be on!

Say your prayers for my case, please. Lord grant me my injunction and mine enemies more enlightenment.

Cassietw · 10-22-2009, 09:31 AM

Here is what my on-line account says as of 10/20/2009....

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
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 is in the final stages of completion, and is pending final changes to your account within our systems. All collections activities have been suspended as a result of this completion. We anticipate to complete these steps by 11/19/2009. If your status remains unchanged after 11/19/2009, please call and speak to a customer service representative. Please do not call back before 11/19/2009 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 could potentially cause your workout completion to be delayed or cancelled. Thank you.
Information as of:	10/20/2009
Workout Stage:	Approved
Phase/Sub-Phase:	Completed

pdsfoley · 10-22-2009, 09:44 AM

WOW Cassie..........that looks great!!!!!!!!!!!!!! I'm hoping its REAL!!!!

Cassietw · 10-23-2009, 02:59 PM

Quote:

Originally Posted by pdsfoley

WOW Cassie..........that looks great!!!!!!!!!!!!!! I'm hoping its REAL!!!!

Looks like it is!!

I am actually going to start paying down the principal!!!!

I am sooooooo HAPPY!!

Amortization Schedule Calculator

1XXXX WXXXXX AVENUE | Home Loan XXXXXXXXX

Current Information
Loan Origination Date: 03/08/2007
Contractual Remaining Term: 27 Year(s) 4 Month(s)
Principal Balance: $573,007.04
Principal & Interest Payment: $2,269.19
Interest Rate: 2%
Projected Payoff Date: 03/2037
Next Payment Due: 12/01/2009

Amortization Schedule
Result: Table Format CondensedFull
Summary
Monthly Payment: $2,269.19
Total Monthly Payments: $744,294.01
Total Interest Paid: $171,286.97

Year Month Payment Principal Interest Balance

2009 December $2,269.19 $1,314.18 $955.01 $571,692.86
2009 Yearly Total $2,269.19 $1,314.18 $955.01 $571,692.86
2010 Yearly Total $27,230.28 $15,942.02 $11,288.26 $555,750.84
2011 Yearly Total $27,230.28 $16,263.81 $10,966.47 $539,487.03
2012 Yearly Total $27,230.28 $16,592.08 $10,638.20 $522,894.95
2013 Yearly Total $27,230.28 $16,926.98 $10,303.30 $505,967.97
2014 Yearly Total $27,230.28 $17,268.64 $9,961.64 $488,699.33
2015 Yearly Total $27,230.28 $17,617.20 $9,613.08 $471,082.13
2016 Yearly Total $27,230.28 $17,972.79 $9,257.49 $453,109.34
2017 Yearly Total $27,230.28 $18,335.57 $8,894.71 $434,773.77
2018 Yearly Total $27,230.28 $18,705.65 $8,524.63 $416,068.12
2019 Yearly Total $27,230.28 $19,083.21 $8,147.07 $396,984.91
2020 Yearly Total $27,230.28 $19,468.40 $7,761.88 $377,516.51
2021 Yearly Total $27,230.28 $19,861.37 $7,368.91 $357,655.14
2022 Yearly Total $27,230.28 $20,262.26 $6,968.02 $337,392.88
2023 Yearly Total $27,230.28 $20,671.22 $6,559.06 $316,721.66
2024 Yearly Total $27,230.28 $21,088.46 $6,141.82 $295,633.20
2025 Yearly Total $27,230.28 $21,514.12 $5,716.16 $274,119.08
2026 Yearly Total $27,230.28 $21,948.36 $5,281.92 $252,170.72
2027 Yearly Total $27,230.28 $22,391.37 $4,838.91 $229,779.35
2028 Yearly Total $27,230.28 $22,843.34 $4,386.94 $206,936.01
2029 Yearly Total $27,230.28 $23,304.41 $3,925.87 $183,631.60
2030 Yearly Total $27,230.28 $23,774.81 $3,455.47 $159,856.79
2031 Yearly Total $27,230.28 $24,254.66 $2,975.62 $135,602.13
2032 Yearly Total $27,230.28 $24,744.24 $2,486.04 $110,857.89
2033 Yearly Total $27,230.28 $25,243.70 $1,986.58 $85,614.19
2034 Yearly Total $27,230.28 $25,753.20 $1,477.08 $59,860.99
2035 Yearly Total $27,230.28 $26,273.04 $957.24 $33,587.95
2036 Yearly Total $27,230.28 $26,803.32 $426.96 $6,784.63
2037 Yearly Total $6,807.26 $6,784.63 $22.63 $0.00

cjbory · 10-23-2009, 06:48 PM

wow.. great news for you and us. there is some hope after all.

denised · 10-24-2009, 10:42 PM

Quote:

Originally Posted by Cassietw

Looks like it is!!

I am actually going to start paying down the principal!!!!

I am sooooooo HAPPY!!

Amortization Schedule Calculator

1XXXX WXXXXX AVENUE | Home Loan XXXXXXXXX

Current Information
Loan Origination Date: 03/08/2007
Contractual Remaining Term: 27 Year(s) 4 Month(s)
Principal Balance: $573,007.04
Principal & Interest Payment: $2,269.19
Interest Rate: 2%
Projected Payoff Date: 03/2037
Next Payment Due: 12/01/2009

Amortization Schedule
Result: Table Format CondensedFull
Summary
Monthly Payment: $2,269.19
Total Monthly Payments: $744,294.01
Total Interest Paid: $171,286.97

Year Month Payment Principal Interest Balance

2009 December $2,269.19 $1,314.18 $955.01 $571,692.86
2009 Yearly Total $2,269.19 $1,314.18 $955.01 $571,692.86
2010 Yearly Total $27,230.28 $15,942.02 $11,288.26 $555,750.84
2011 Yearly Total $27,230.28 $16,263.81 $10,966.47 $539,487.03
2012 Yearly Total $27,230.28 $16,592.08 $10,638.20 $522,894.95
2013 Yearly Total $27,230.28 $16,926.98 $10,303.30 $505,967.97
2014 Yearly Total $27,230.28 $17,268.64 $9,961.64 $488,699.33
2015 Yearly Total $27,230.28 $17,617.20 $9,613.08 $471,082.13
2016 Yearly Total $27,230.28 $17,972.79 $9,257.49 $453,109.34
2017 Yearly Total $27,230.28 $18,335.57 $8,894.71 $434,773.77
2018 Yearly Total $27,230.28 $18,705.65 $8,524.63 $416,068.12
2019 Yearly Total $27,230.28 $19,083.21 $8,147.07 $396,984.91
2020 Yearly Total $27,230.28 $19,468.40 $7,761.88 $377,516.51
2021 Yearly Total $27,230.28 $19,861.37 $7,368.91 $357,655.14
2022 Yearly Total $27,230.28 $20,262.26 $6,968.02 $337,392.88
2023 Yearly Total $27,230.28 $20,671.22 $6,559.06 $316,721.66
2024 Yearly Total $27,230.28 $21,088.46 $6,141.82 $295,633.20
2025 Yearly Total $27,230.28 $21,514.12 $5,716.16 $274,119.08
2026 Yearly Total $27,230.28 $21,948.36 $5,281.92 $252,170.72
2027 Yearly Total $27,230.28 $22,391.37 $4,838.91 $229,779.35
2028 Yearly Total $27,230.28 $22,843.34 $4,386.94 $206,936.01
2029 Yearly Total $27,230.28 $23,304.41 $3,925.87 $183,631.60
2030 Yearly Total $27,230.28 $23,774.81 $3,455.47 $159,856.79
2031 Yearly Total $27,230.28 $24,254.66 $2,975.62 $135,602.13
2032 Yearly Total $27,230.28 $24,744.24 $2,486.04 $110,857.89
2033 Yearly Total $27,230.28 $25,243.70 $1,986.58 $85,614.19
2034 Yearly Total $27,230.28 $25,753.20 $1,477.08 $59,860.99
2035 Yearly Total $27,230.28 $26,273.04 $957.24 $33,587.95
2036 Yearly Total $27,230.28 $26,803.32 $426.96 $6,784.63
2037 Yearly Total $6,807.26 $6,784.63 $22.63 $0.00

Wowie 2%

?! CONGRATULATIONS!!!!!!

10-20-2009, 11:56 AM	#401 (permalink)
Ariel Junior Member Join Date: Oct 2008 Location: Sacramento Posts: 4 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Failure is not an option for us.... Cassietw~ What I wish for them is give me manageable rate. 42% of my monthly gross income goes to my mortgage (Principal, Interest and propterty tax). I am able to manage my mortgage and living allowance with me and daughter however, I do not have savings nor emergency money if something break in my house, good luck! I will try to make this short. I have fixed rate 5.875/30 years, underwater. After Obama's announcement of HAMP I called BOA if I can be consider for modification. They say I'm not qualified only if I am 30-90 days late. So for this Oct; I did not pay, sighting hardship..not quite sure what would happen. I'd like to keep my home even it's underwater but I want them to give me HAMP's program since I am qualified, DTI is 31% I am more than this, thanks again for your email.

10-21-2009, 09:59 AM	#403 (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: So I received a 3rd packet with the trial mod data. Advocacy told me to ignore it and that they would note the account. Yet I received a call from the HOPE dept. last night re: Are you accepting the mod? I told them that I was already in a mod and it was permanent and not a trial. I was driving home when they called and they requested I call back when I had the docs in front of me. (Good thing I didn't throw them away!) Anyway, they were closed by the time I called back and so I called this morning. They said I needed to deny the mod. I told them "no"...with my luck they would deny the mod I have in play. They say they see no other mod! AARRGGHH!!! I don't trust these people!!!!!!! She says I will continue to get calls and if I ignore it and don't deny it, then they would continue with forclosure! WTF!!! What is wrong with this picture!?!? I called advocacy back again and again they insisted they have to transfer me to the OOP for special handling. Yet the last time they did that, they said, oh, your with NACA. You need to talk to advocacy.....what a friggin JOKE!!!!! After being on HOLD for almost 10 minutes to be transferred to OOP, the line hung up on me! HA!! Ok, so now, I am on hold again with advocacy and she is connecting me to the OOP! HA! Round and Round we go...where we stop, nobody knows!!!!!!!!!! I will update again shortly! Cassie

10-21-2009, 10:29 AM	#405 (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.... Ok, so she tried to transfer me to OOP. She couldn't get through herself. (imagine that!) Now she tells me that I should also do the second mod also and send a copy of the one we already sent notarized and the second one with a note diectly to the OOP. She says they have no record of receiving the first mod back. So....not quite sure what I am going to do at this point! Good Luck everyone! I think I am gonna need all I can get!! Cassie

10-21-2009, 11:05 AM	#406 (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.... Oh, and one more thing! They (BofA) do not see my account flagged as NACA anymore!! How NICE of them!!!! Gonna let my mood chill a bit and figure out what to do next!

10-21-2009, 11:38 AM	#407 (permalink)
Peace4all Member Join Date: Oct 2009 Posts: 11 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Failure is not an option for us.... Cassietw, Hang in there. You are strong and you are a machine. My suggestion when things get this complicated- Be mechanical. Do what you are supposed to do as mechanical as possible. That takes the thinking and mind talking out of it. And also your emotions are little bit out of it. Being emotional makes it harder. May be you can explain your situation in an email to OOP or someone and I hope they can fix it. I'll pray for your strength and resolution in the matter. Peace (I just read your last post and vaguely remember your other post. sorry if i did not make much sense )

10-21-2009, 12:41 PM	#408 (permalink)
coral Member Join Date: Sep 2009 Location: West San Fernando Valley, Los Angeles Posts: 27 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Failure is not an option for us.... Sorry Cassie ,.....don't give up!!!!! This really puts your life on hold... I got bad news again on Friday, calling back today for change of inept negoc.

10-21-2009, 01:40 PM	#409 (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 for your support everyone.... I tried calling a number for the OOP. It routed me back to good ole customer service! I talk the person into connecting to the OOP and she comes back and says that the OOP doesn't have a file for me and because I am with NACA, they will not help me! HA!! I think my hair is turning gray! Then she says she is gonna connect me with Advocacy....but she transferred me back to good ole customer service again!! You know I am only a 20 minute drive from Simi Valley...they are lucky I am not psycho!! At least YET!!! But I am getting closer thanks to them!!! Now I have another chick telling me, "don't you want a second chance?" A WHAT???? She says, "the MHA is a second chance." TO WHAT???? OMG!!! Then she says it's another option.... I told her about the other mod and she said, well just do the first one. I told her I would, but no-one can seem to find the mod docs I sent back. She say's just pay the amount you are supposed to on the date it said too. Then she asks what I am so worried about...???? Is this a trick question? Then she puts me on hold for about 10 minutes and reads off the permanent loan mod we received and said they received the docs back on Oct 14th and everything is fine....... At least I finally got someone to acknowledge receipt! Not that it matters, the next 5 people might not see it! For all who get conflicting data, please know that you could talk to 5 people before you get the truth! Another number I was given today... Home Retention: 800-669-0102 Good Luck everyone! I need a vacation in Tahiti!!! Cassie

10-21-2009, 02:00 PM	#410 (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-I am sorry you are going through this nonsense! Did you, by chance, fax over the docs to NACA so they have them on file? If so, maybe Kevin Winn could do some enforcing for you. Good luck and stay strong!

10-21-2009, 02:12 PM	#411 (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.... Hi j-nice.... Actually, I still need to do that. Thanks for reminding me! I will do it tomorrow.... I just want this to be over with!!!!!!! Cassie

10-21-2009, 04:11 PM	#412 (permalink)
coral Member Join Date: Sep 2009 Location: West San Fernando Valley, Los Angeles Posts: 27 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Failure is not an option for us.... Good!!!!!!! Cassie looks like there is a light at the...... In my case.... i got a call back right away, and after explain., they 'll get a senior neg.... we'llsee. they're a mess !!!! specially after reading the report on Why they don't mod...Have a good rest today.

10-21-2009, 10:39 PM	#419 (permalink)
davephx Senior Member Join Date: Jul 2009 Posts: 1,137 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Failure is not an option for us.... WSJ reports today that BOA on a CW mortgage for an 85 yr old took a huge loss and did a reverse mortgage for $85,000 on like a $425,000 mortgage so 85 yr old makes no more mortgage payments and upon death BOA gets house. It said BOA has done like 11 of these as I recall. They are all related to the CW suit and she was lied to about how fast payments would go up. These are all very special situations.

10-22-2009, 09:44 AM	#422 (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.... WOW Cassie..........that looks great!!!!!!!!!!!!!! I'm hoping its REAL!!!!

10-23-2009, 06:48 PM	#424 (permalink)
cjbory Senior Member Join Date: Apr 2009 Location: Miami FL Posts: 93 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Failure is not an option for us.... wow.. great news for you and us. there is some hope after all. __________________ _____________________________________________ Even though I walk through the valley of the shadow of death, I will fear no evil, for you are with me; your rod and your staff, they comfort me."

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