Failure is not an option for us....

[sandyg]

Originally Posted by dthom

Good to hear from you Cassie.

I called David for first time yesterday. Found out that somehow our file had been closed. He reopened for me. Already today BofA website shows Active Processing and the message about being under review. We have another phone appt with NACA on Thursday to update our info, and make sure it is still the same. David did say that is not unusual. Now I hope that BofA can pull all of our info from NACA and get this thing rolling. Have no idea why NACA didn't realize our file had been closed, but at least it has been corrected.
I am so glad I finally took the dive and decided to call him. Now I could kick myself for not doing so sooner.

Hope things workout for you soon1

D,
Mine was closed to at one point and David reopened it for me. So stay on top of your file and don't give up. I am on a 3 mo. forbearance and hope to get my mod okayed by the end of Sept.

[sandyg]

Yeah!!!!!!!!!!!!!!!! finally got this today, I already found out through the sale/auction company. But, a confirmation from naca was great!


The lender says that there is no sale date listed for this property. Please continue to work on your plan B incase the lender refuses our plan if /when we need to propose one. If you have not been through counseling or if your file has not been updated in 3 months email sblack@naca .com to arrange for counseling. Also it remains your responsibility to keep track of any future sale dates although we will try to assist. You may contact the lender their attorney, the sheriff or the courthouse. If there is a sale date you can let us know by updating your information under 'sale/auction date' in the HomeSave section of our website NACA. Please be aware you are still ultimately responsible for saving your home, so please thoroughly explore all of your legal options. Continue to save as much as you can and most importantly please be sure we have what we need to submit your file.

[Cassietw]

NACA UPDATE:

I am becoming extremely dis-enchanted with NACA!!!!!

I just called them and got through after being on HOLD for about 45 minutes. I am currently on HOLD with them and have the rudest person I could possibly get on the phone.

He sounds annoyed that I called. He sounds bored, he has interrupted me every chance he could. He put me on HOLD 6 minutes ago.

So, last month I had a phone appointment on the 10th. It was a flop, (you can go back a page and read about it there). So then I had another appointment scheduled for July11th at 1pm. They didn't call until 2:30 pm.

Now the guy that has me on HOLD for 7 minutes now is telling me that BofA requested current bank statements on July 10th - 3 hours after the last time I talked to them!!! WTF!!!! I talked to them on the 11th!!!! No-one said anything about bank statements! I asked why I was not called or emailed. He said they don't do that. I said I have left messages and emailed and never received a response. He said," I don't know what to tell you...we are busy right now."

I have lost my FAITH completely with NACA. I am starting to think the "Save the Dream" events are more important to NACA for all the media coverage than helping those already going through the process.

Now, after 11 minutes on HOLD he finally picks up the line and tells me it was not bank statements and I already sent pay stubs so he didn't know why I was calling???? WTF!!!?? Why would anyone call back after 30 days!!?? To get a friggin UPDATE!!!!!!!!!!!!!

I told him bluntly that he was unpleasant to talk to and that he made me feel like I was bothering him. That I had never had a more uncomfortable call with NACA. I said goodbye and hung up! AARRGGHHH!!!!!!!!!!!

This whole thing is really starting to get to me!!! I wasn't paying credit cards to pay the mortgage....and I was borrowing....Now, I am paying everything, including my second instead of the first mortgage. If they would have just processed my mod, everyone could get a payment. I am paying off our unsecured debt.... If they end up taking our home at least we will not have credit cards coming after us or get sued. I think I will buy some Christmas presents with my next couple paychecks. My Mom saved the day last Christmas as we didn't have a dime for our 4 children. She drove down from Sacramento and took me shopping. It was humiliating but I was so grateful.... She made me sign all the tags from Mom & Dad and she got her own gifts for them separate. I don't want to ever experience that again!!!

Sorry....needed to vent REAL BAD!!!!!!!!!!!!!!

[CWandSLSat619]

Hi Cassie,

I have been following your thread as well... Anyhow, hang in there.... I've had terrible, frustrating - can't think of any nice words to describe all my phone conversations with this representative (NOT from NACA)... They all act as if they own the freakin company where in reality they only get minimum wage... maybe that is why they don't really care..... have you tried the Barbara Desoer's email route???

hang in there.. what's important is you have your family with you ! keep the faith!

[Cassietw]

My timeline......

Found loansafe end of Feb 2009.

Signed up with NACA first week of March 2009.

NACA submitted our restructure to our lender (CW/BofA) on March 26th, 2009.

Contacted Barbara Desoer early May 2009.

BofA didn't even acknowledge or look at the restructure from NACA until May 8th after I emailed Desoer.

Been talking to David L. every two weeks since then.

On HOLD for a principal forbearance with BofA since June 2009.

Last current FULL payment to BofA was April 2009.

Partial (half) payment of $1800.00 made in June.

July $0.00
Aug $0.00

Have emailed Obama, Jerry Brown, State Senator Feinstein (nothing except emails from the President about the health care updates. I am just another email on list to spam now!!)

I am just so frustrated!!!

[dthom]

Cassie

Our stories are so similar as you know. I called NACA for update this week, and again was told by rep he was emailing BofA as we spoke for an update as nothing yet. I have tried all week to get hold of David L to no avail. He is never available. Will try again on Monday. I paid $1000 of a $1500 payment this month. Doing just enough tht we don't fall 3 months behind, but here in Michigan they did pass a law that states they can no longer foreclose at 23 months past due, they have to wait 6 in order to get a mod done, but don't trust them.

Now make payments thru advocacy. I asked them if they could see any movement on the file they said that someone was "looking at it". WTF!! They have been "looking" at it for almost 7 months. How much is there to look at, nothing has changed. I know your frustration.

In my job I get to talk to alot of people and there are so many of us in the same position. Talked to one person today who has a mortgage with Chase. They won't work with them at all. In fact they told them they were not foreclosing but charging it off and sending to a collection agency! They said they are doing this to bypass Michigans new foreclosure law. These banks are all crooks and liars as far as I can tell, and the govt. does nothing to require them to work with us. I hear more and more of people who are just walking away.

I would do the same, except with our son and his family here, where we would all go? No one would rent to a family of 12. So for now we are stuck.

We have to hang on as best we can and hope for the best.

As a note, my Mom helps us too, she has paid bills, she is helping get our grandson his school clothes and helped us out last Christmas too. Like you I hate, it is hard to take from a parent who is living on a fixed income. Hard to handle that here we are in our 50's, and we can barely take care of our bills. I thank God everynight for having the wonderful Mom that I have. But even she has said that at some point,we should maybe just walk away. Not something I would ever thought I would hear her say. She is the one who has been telling us to just pay less or stop paying at all. Funny, she wants us to walk and we want to keep fighting for now.

Remember, you can vent hear anytime you want. We are all like family here, and in the same boat. I know I always have a shoulder for someone to lean on.

Have a good night.

[Cassietw]

Hi dthom,

I just read in your thread that you finally got ahold of David L. He is great and I truly believe he does what he says he is gonna do. My b-day is next month and I would LOVE to be done with this! I want nothing more than to have this resolved!!

Thanks for responding to my ranting last week, I saw your response but was in such a mood I stayed away from posting. Who knows what I might say if I get all riled up! Could be a dangerous thing....

I hope you get some action soon.....

Take Care and hang in there!!

[dthom]

Fingers crossed and praying for you too!

Hey rant all ya want! I haven't been posting as much either, just reading. Taking a mental health break from all of the stress this is causing me!

I know you will hear something to soon

[Cassietw]

Thanks dthom!

I am supposed to call David back on the 24th but I am so anxious right now, I might just do it again this week!

I know what you mean about the mental health break!! Boy do I need one!!!!!!

When I rant, I get all worked up and usually end up saying something I totally regret later.....

Better to keep my ranting at a minumum for me!

[Cassietw]

Updating my story thread....

Sent NACA and BofA updated financials today. Still on HOLD for principal forbearance through advocacy department.

Good luck everyone!

Cassie

[CW California]

Originally Posted by Cassietw

Updating my story thread....

Sent NACA and BofA updated financials today. Still on HOLD for principal forbearance through advocacy department.

Good luck everyone!

Cassie

Good Luck Cassie. As a fellow Californian I've been following your story too!

[Cassietw]

Thanks CW Cali....

You in socal???

[CW California]

Originally Posted by Cassietw

Thanks CW Cali....

You in socal???

Yea Long Beach! Gloomy today..............

[Cassietw]

Yes, very! Great weather for August though!!!! I am up above Glendale at 1600 feet so it is a little less gloomy and as I drive toward downtown on my way to work, I sink into the GLOOMINESS!

I went to the NACA workshop in Long Beach in April. We're neighbors!

[CW California]

Originally Posted by Cassietw

Yes, very! Great weather for August though!!!! I am up above Glendale at 1600 feet so it is a little less gloomy and as I drive toward downtown on my way to work, I sink into the GLOOMINESS!

I went to the NACA workshop in Long Beach in April. We're neighbors!

I had six days off in a row this week. I did go to the beach one day. Beautiful day but more of a wind burn than a sun burn! It's back to work for me tomorrow but off again Sun. and Mon. It's really been nice to finally have some time off with my finances in order!

[dthom]

Hi Cassie:
Checked NACA account today. It now shows exactly what they submitted to BofA.
Payment of $717 inc. PTI and PMI. Principal reduction or forebearance doesn't say which to loan balance of $74003. If this were to actually happen it would mean an $800 reduction in our payment.

Was concerned that the website was telling me I now need to submit 4506T, property tax bill and homeowners insurance as well as updated proof of income and hardship letter. All of which we have already done. They have the documents as I have confirmed this with them,. I am sending updated proof of income again tomorrow, and will do the same once I husband gets this weeks unemployment check and I get my pay at end of the month.
Calling them again on Thursday and if no news, I am to call David L. so he can expedite the file.
Boy, I hope I start seeing the light at the end of the tunnel soon. BofA website still says active processing, but no docs showing yet.

[Cassietw]

Hi dthom, thanks for the heads up on the NACA changes.

I see they moved your thread to the NACA thread... But you are a CW person! Oh well...I know where to find it!

I just checked the CW/BofA account and for the first time I have documents showing! I sent in updated paystubs last week to a fax number David L. gave to me.... And they show up as received now! But the rest of the workout data remains the same!

Workout Information Print this page | FAQ 1XXXXX WXXXXX Avenue | Home Loan #XXXXXXX Documents Received Processing Date Workout Type Document Type 08/24/2009 Modification FAX COVER SHEET 08/24/2009 Modification PAY STUB 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 View the Details Hide the Details Workout Status Details: Your request for assistance is under review. During the review process, a thorough examination and analysis of your loan will be completed. During this time, we may or may not need additional information from you. It is common that you will not hear anything from us during the review period, but please be advised that all collections activities have been temporarily suspended during this review period. We expect more information to be available on 07/09/2009. If your status remains unchanged after the 07/09/2009, please call and speak to a customer service representative. Please do not call back before 07/09/2009 as that will delay the process. Please respond promptly to any calls or requests that you may receive from us during this period. Lack of response will cause your workout to be delayed or cancelled. Thank you. Information as of: 06/04/2009 Workout Stage: Processing Phase/Sub-Phase: Active Processing

I hope we (You and I) have a solution soon!! I cannot take the stress of not knowing if we are going to lose our home.... it is really getting to me sometimes. Today it is a bad day for me....My whole scalp tenses up when I am stressed....I think it is cutting blood flow to my folicles which is why my hair is falling out!!!

[dthom]

At least your CW/BofA page shows they received docs. Mine still shows no docs received, but it is in active processing,but not to call until 9/1. Well, I call NACA Thursday, and if they still tell me no updates I am to call David L. which I intend to do.
Worries me some that the NACA sight is telling me to send in all the paperwork I have already sent them and they have acknowledged they have. I was going to go ahead and send in my paystub from the 15th and husbands last updated unemployment record. He gets a check again this week but it won't update on line until next week, and by then I will have my check again, so I will send in info again then. I plan in smothering NACA in pay stubs and unemployment benefit updates.

I hope they really mean that they are shooting for the 8th for resolution.

I know what you mean about the stress. I try not to think about this mess as much as I can, but it is hard. I am afraid that under the wonderful boxed color on my hair I am pure white from all of this
Husband and I were talking about some things we would like to do to our yard next spring, but I find my self saying things like " That is if it is still our house"...... Hate that!

[Renoira]

Cassie,

I am where you are. I sympathize...perhaps you will enjoy my slogan that I took from the movie..The Terminator....

"The (Corporations) Terminators are out there and they have no conscience, they have no remorse, they do not feel pain and they do not feel pity and they absolutely will not stop until you are (broke)dead!"

Even though these Mortgage companies are made up of people just like you and I, they have no true sense of responsiblity in helping us. They are overloaded and underpaid. No doubt they go home tired and drained and they are not able to make any decisions on their own. Our modification must go through policy and procedures and commity after commity.

Time is not relevant to them, but it is everything to us. I, like you, hesitate to do anything new to our home, because this time next year I don't know if it will still be "our home."...and yes, it is stressful. I understand, like many here who also understand. I often wonder...does anybody see us?

I will be praying for good news from you soon...as your good news will encourage me and others as well.

[Cassietw]

Hi dthom and Renoira,

Thanks for your posts!

Me and my husband have been talking about putting a patio cover over the back porch. It is even more desirable now that we had to cut the tree down that died. There is no shade at all now there and when you touch the inside wall of my son's bedroom, it is so hot! You can feel the heat radiating into the room just from the sun beating on the outside. But I am afraid to spend any time or money on it as I don't know the outcome of this MOD nightmare....

I too got the email from NACA stating Sept 8th.... looks like a generic email to me to calm people down and stave off the phone calls...

I have been trying to get ahold of David L. since yesterday. I usually get him in under 10 attempts. I think I tried over 50 times yesterday and have tried at least 20 so far today... Poor guy is swamped.

I know it useless to email as he is backlogged beyond comprehension. And I know he tries to get to his voicemails as soon as he can.... I don't want to slow him down with another message either...

Take care everyone and good luck!

[Cassietw]

Update:

Spoke with David L. tonight. As always he was wonderful! I feel so blessed to have him to talk to!

No word yet on the principal forbearance..... David says he checks with management about 3 times a week. Also, he told me he is checking voicemails tomorrow and will try to get the voicemails caught up and get back to everyone as soon as he can.

He is truly an Angel!

Have a great night everyone!

Cassie

[dthom]

7 months and waiting as of today.

NACA update, Freddie Mac wants updated income, one step ahead of game, emailed to NACA yesterday, they now have all of July and August up to last pay date (15th) get paid again on Monday, husbands unemployment will be in bank by Friday, updated on line by Monday or Tuesday. Rep said to call back in 10 days and not to send any new income info for 30 days, wants us to send in 30 days at a time.

NACA rep emailed our info to person who is to get the requested info to Freddie Mac. So wait some more. Will try to get hold of David L. tomorrow to see what his take is on where we are headed at this point and maybe a vague time line once the investor asks for updated income. Last time Freddie Mac asked for updated income, which was in May, our file was mysteriously closed and not reopened until I spoke with David L. in July.

[Garry]

It's starting to look like the reason NACA is having more problems now is because the bank is more focused on the MHA plan. BofA had the lowest numbers for mods (4%) on the last report and they are looking bad. If they keep doing NACA deals it's not going to help increase the Gov numbers. So I'm thinking it's not really NACAs fault, they are just being ignored by the bank at the moment.

[Cassietw]

Garry,

I was told that CW/BofA gets over 25,000 new loan mod requests a month. I honestly don't think that many of them are NACA. I just think that NACA has the best solution for the homeowner and not always the best solution for the bank/investor so they stall and hope people give up or wait until people are at their wits end and cannot take it anymore and affer an in-house (not as good) mod if the party agrees to drop NACA.

dthom,
I truly hope yours is finalized soon..... I am praying for you and your family. We have the same date.... 26th...marks 5 months for us. My b-day is Sept 26th so I hope it is over before then...

Good luck everyone!

Cassie

[Garry]

Originally Posted by Cassietw

Garry,

I was told that CW/BofA gets over 25,000 new loan mod requests a month. I honestly don't think that many of them are NACA. I just think that NACA has the best solution for the homeowner and not always the best solution for the bank/investor so they stall and hope people give up or wait until people are at their wits end and cannot take it anymore and affer an in-house (not as good) mod if the party agrees to drop NACA.

dthom,
I truly hope yours is finalized soon..... I am praying for you and your family. We have the same date.... 26th...marks 5 months for us. My b-day is Sept 26th so I hope it is over before then...

Good luck everyone!

Cassie

Thanks Cassie, I'll pray for you too. I was just trying to make sense of all the posts I've been reading about NACA lately, I don't mean to suggest that anyone drops NACA, just trying to say give it a little more time.