Anybody else have this problem

techiegirl49 · 03-15-2009, 03:11 PM

I was approved for the loan mod back in Sept 08 and I sent back my loan modification papers, I called everyday for 3 weeks and CW finally acknowledged receipt and everything was fine. The foreclosure was stopped. I was told to pay the new payment and the account should be updated in 90 days. After 90 days, no update and got monthly statements with the old payment but said if I had entered into an agreement to pay that, I called CW said they were behind in process the mods and to wait another 30 days. Meantime all of the payments were going into partial payments and they showing me six months behind on their web site. Waited another month and no update and then workout section had disappeared from their web site. So I called and was told they were still behind and they were having problems with their computer system but everything should be updated by Feb. So a couple weeks later, a guy shows and said he was home inspector for Countrywide....that scared me...since I still had not heard anything other than the little note on my monthly statement to pay "according to the agreement". I immediately called CW and they said that is normal to do the inspection for people who were behind to make sure they are still in the home and the home was in good shape. I told her I had a workout agreement and loan mod, she acknowledge that she did have a record of that but it was still in process, she said they are so backed up that some mods have taken six months.

Today, when I went to check my account on the CW web site, I can't access my account details. In reading this forum, I saw that I should have received a something back from CW after I Fedex'ed the papers back. I did not. I have not received anything but a monthly statement with the old payment amount and a note on the from page saying to pay according to my agreement. I have been paying the new payment for six months now and I'm afraid something has gone wrong. Has anybody else had this kind of experience and should I be concerned, is there a way to find out what going on.

house865 · 03-15-2009, 04:17 PM

I noticed that the details of my account were not showing as well today. I am hoping that this just means that the databases are being updated since it is a Sunday. I am going to check back in the morning. If it remains the same, they need to explain this status.

tryingtostay · 03-15-2009, 04:23 PM

I don't deal with Countrywide personally but what I would do is write a very professional letter with a timeline, just like you explained to us, about your process of modifying your loan. Fax it to the VPs. Tell them in the letter you need their office to respond to you because you do NOT want to lose your home and you want some answers about your account. You do not want to be in foreclosure, tell them, so you must get verification that everything is ok. Also, I'd request new coupon booklets from them from this year. I never, ever use coupon booklets but if you have been paying the new amount for 6 months now they should have sent you coupon books this year with your new payment on them.

techiegirl49 · 03-15-2009, 04:31 PM

Quote:

Originally Posted by house865

I noticed that the details of my account were not showing as well today. I am hoping that this just means that the databases are being updated since it is a Sunday. I am going to check back in the morning. If it remains the same, they need to explain this status.

Ok, I feel a little better...yes, hopefully they are just doing maintenance. Thanks for letting me know that.

techiegirl49 · 03-15-2009, 04:37 PM

Quote:

Originally Posted by tryingtostay

I don't deal with Countrywide personally but what I would do is write a very professional letter with a timeline, just like you explained to us, about your process of modifying your loan. Fax it to the VPs. Tell them in the letter you need their office to respond to you because you do NOT want to lose your home and you want some answers about your account. You do not want to be in foreclosure, tell them, so you must get verification that everything is ok. Also, I'd request new coupon booklets from them from this year. I never, ever use coupon booklets but if you have been paying the new amount for 6 months now they should have sent you coupon books this year with your new payment on them.

I never had a coupon book from the original loan, they sent statements every month and payed them via BillPay from my checking account. The other issue I see, that all my payments are going in to partial payments and nothing in the escrow. I concerned again since my homeowners insurance premuim is due at the end of March...that's my next call to them. But I have been saving back enough to pay that just in case, cause I don't trust them. They did pay my property taxes (late!!) back in Dec. but I don't need my insurance canceled...too risky. This is all so crazy, I don't have the energy to deal with them...I am under going chemo treatments right now, and I just want this to be done.

gray517 · 03-15-2009, 05:01 PM

Quote:

Originally Posted by techiegirl49

Today, when I went to check my account on the CW web site, I can't access my account details. In reading this forum, I saw that I should have received a something back from CW after I Fedex'ed the papers back. I did not.

I could not access my account earlier, CW was having a connection issue I think, but it appears to be fixed now. I don't know of anyone that got a modifcation thru CW that got anything back from them once the signed modification was sent in. We didn't get anything back from CW, we got our modification with the services of the non-profit Naca but the actual docs came from CW and were returned to CW. The docs were sent back to countrywide in Jan, account has been updated and changed and we are all done, they did tell us originally it could take up to 90 days to process, but it only took 3 weeks for ours to be processed and closed. I would call the number that was sent with your mod docs, customer service, home retention, CW Executive team 1-800-405-0078, and keep calling everyone till you get some answers. good luck!

lostinlife · 03-15-2009, 07:38 PM

I got this error just a few min ago:

A temporary loss of connectivity is currently affecting navigation of our site. Please return and verify any transactions that were in process just prior to the appearance of this message once connectivity is restored.
We sincerely apologize for any inconvenience this may have caused you. Thank you.

kateistired · 03-16-2009, 04:10 AM

I can't get in either. Looks like the site is down. I haven't been able to access my workout info since Saturday.

lostinlife · 03-16-2009, 12:03 PM

I had to call them this am to get some information and they said they are trying to get it fixed.

KVICORY · 03-16-2009, 12:25 PM

I too have had this problem, i refresh the page and get in. Or sometimes try later.

denised · 03-16-2009, 12:37 PM

Hmmm I was able to get in however I am able to schedule a payment now!
That makes me wonder if somehow my mod was not approved?!!!!
I better call NACA!
Such a mess I tell ya!

techiegirl49 · 03-16-2009, 06:23 PM

Well, ended up going to different computer to get to my account details and still no updates nor workout information. Anyway, I made my monthly call to CW and was told that the mod is still being processed (again) and because the backlog it can take six months or more before it is completed. I was assured everything was fine and once everything is completed account details will be updated appropriately, my payments will be applied accordingly. I did find out they did pay my insurance from escrow so that one less worry. But until I see something with the loan modification and I get a statement with the new payment...I going to still concerned.

techiegirl49 · 03-16-2009, 06:27 PM

Quote:

Originally Posted by denised

Hmmm I was able to get in however I am able to schedule a payment now!
That makes me wonder if somehow my mod was not approved?!!!!
I better call NACA!
Such a mess I tell ya!

They told me my mod was approved and they Fedex the mod papers the next day. Did you get paperwork from CW with the loan modification details that was to be fedexed back? And did you send it back? Yes, call NACA!

asrs4 · 03-16-2009, 07:53 PM

We received our loan mod on Feb 9 sent it back on Feb 12 on Feb 24 they updated our principal balance and our due date and on March 3rd our account was fully updated. I would call countrywide to make sure they received your paperwork and that there was no error on the paperwork.

alikeith · 03-17-2009, 08:39 AM

My online account says everything should have been updated by Feb 16th. When i call Countrywide, they say it can take up to 90 days.

The only problem with this, is they are still reporting me as late. I know show 180 days late...They are gonna have to fix that. I dont think thats right.

angelisax3 · 03-17-2009, 09:14 AM

Does anyone know if CW having problems with their website again?

alikeith · 03-17-2009, 09:17 AM

I was able to log in a few minutes ago with no problems

angelisax3 · 03-17-2009, 09:47 AM

Thanks. I was able to login but no it said the workout information was unable to be displayed. Now I logged in and new information was there. Maybe they were working on my account.

denised · 03-17-2009, 10:08 AM

Quote:

Originally Posted by techiegirl49

They told me my mod was approved and they Fedex the mod papers the next day. Did you get paperwork from CW with the loan modification details that was to be fedexed back? And did you send it back? Yes, call NACA!

No I have not received papers because I have not received a verbal yes ... well I did from NACA and then they (CW made some errors) took it back and now I am waiting

I keep being told to check back each week and now I think it has been 3 weeks.

But now that I can make a payment online that makes me think that I was not approved or something is up. Seeing that I couldnt pay online made me feel like something was actually going on and CW was processing my mod request thru NACA....

I havent been able to get thur to NACA they are too busy to even put you on hold! Will try again today....

techiegirl49 · 03-17-2009, 12:20 PM

Quote:

Originally Posted by asrs4

We received our loan mod on Feb 9 sent it back on Feb 12 on Feb 24 they updated our principal balance and our due date and on March 3rd our account was fully updated. I would call countrywide to make sure they received your paperwork and that there was no error on the paperwork.

Sounds like yours went through very smooth. They acknowledge the paperwork was received back in Sept. and that it is still being processed. They say everything is fine, they claim they have a backlog but they have process others since that time. Six months is just crazy, especially since I have made six payments and that's a good chunk of month.

BTW: Countrywide's website "down for maintenance" today.

sandyg · 03-17-2009, 12:35 PM

I just got in to my account of CW as I was on the line talking to them. Their computer was updated through 3/13 and mine was showing current through 3/16. Go figure

techiegirl49 · 03-17-2009, 03:27 PM

Quote:

Originally Posted by sandyg

I just got in to my account of CW as I was on the line talking to them. Their computer was updated through 3/13 and mine was showing current through 3/16. Go figure

Sounds like you are in good shape. One of the lucky few that had their loan mod go as it should. Count your blessing. I've been waiting six months....my credit is the hole and my nervous are a wreck...and trying to through chemo. Thanks for letting my know your experience.

chasepmt2hot-firefighter · 03-17-2009, 08:46 PM

techiegirl49

Bless your heart. Please stay possitive...

KVICORY · 03-18-2009, 08:51 AM

CW sight was updated as of the 16th...I was able to call customer service, and talk to a fantastic lady in escrow..she was amazing, and since they have paid my taxes and ins. before my loan mod takes effect, she spread the overage over 36 mo. so we can repay it in a very small amount...the original person was of no help, so I had her transfer me to her manager, who seemed to be eager to help my escrow account go from over $700 a mo. to less than $400...my payments are now affordable.

techiegirl49 · 03-18-2009, 01:19 PM

Quote:

Originally Posted by KVICORY

CW sight was updated as of the 16th...I was able to call customer service, and talk to a fantastic lady in escrow..she was amazing, and since they have paid my taxes and ins. before my loan mod takes effect, she spread the overage over 36 mo. so we can repay it in a very small amount...the original person was of no help, so I had her transfer me to her manager, who seemed to be eager to help my escrow account go from over $700 a mo. to less than $400...my payments are now affordable.

Congrats!! The woman I talked to Tuesday was nice but of no help. However she did transfer me over to escrow and they had already paid my insurance on the 3/1, he was nice and helpful. So that's taken care of I just want to get this over. I have health issues that I need to focus on. I want it completed so I can move on. Thanks for letting me know.