Patiently waiting

[beemster]

Good Morning

I am new to this so I hope my question is appropriate and not to lenghty. I hit a bump in January with my Mtg at Countrywide and reached out for some assistance. The gentlemen who took my call was very accomodating with the steps needed for a possible forebearance wherby I would be allowed if approved to skip 3-4 paymnents and they would be placed on the back end. In any event, one letter later and hopeful anticipation that they would see my hardship as a worthy cause to allow forgiveness--NOT.
They declined my request and it was siuggested that I now reach out to the Hope dept-Did this in Feb. Well I received a letter that if I did not pay the 2 months that I was behind by 3/24 they would accelerate the loan. Made contact prior and they explained that this was a form letter and customary in these cases with at least 2 missed pmts; and that my letter to the hope dept is under review. Well, 3/24 came and no communication from them so I called the Hope dept (got number from Forum) and they said they did not have any info on me?? I called cust service and they suggested I re-fax the letter with pay stubs etc, yet to the hardship dept # not the hope dept?? I wrote another detailed letter with updated financials since things have picked up since Jan with $400+ over expenses and faxed it again with the originals from Feb. Waiting again I have gone on the website and see that the 3/24 letter hit and other info was available showing employment verification etc. OK here I am now on 4/8 and I still do not see any other updates nor have I received any calls from them... I have paid January, that they are holding in escrow, I am now paying this month which would count for Feb, still leaving me behind 2 months. The Income is in excess of expenses ( following advice from forum) and several detailed letters have been sent. What should I do now? Should I call again with the repeated questions posed originally? Where am I at? Do you need anything else? Here is my YTD Income and expense report update?
Etc, etc.. I guess I am at their mercy now and waiting for some relief on the two months that I fell behind. I can get back on track, yet $7200 (2 mo) is an impossibility right now.
Looking for some advice...

Thank you

[Dan Bailey]

beemster,
Glad you found the forum and posted.

Not many folks have had much luck with HOPE.

It sounds like you have been proactive with contacting CW. You may want to give NACA a try. They are a non-profit, HUD approaved agency that has had alot of success with helping CW homeowners. NACA:https://www.naca.com/refinance/refinanceSubmission.jsp

As well, here is CWs take on utilizing the "obama plan" to help homeowners:Countrywide Financial - Real Estate Mortgage Lender - Home Loans - Equity Loan Mortgages

I do not know which number you have been contacting in CW, but here is the home retention #...a bit different from the "customer service" aka-collections.
CW home retention: CW Home Retention
1-800-669-0102
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[beemster]

Thank you for the information. I will keep you posted..