No response to qwr - Page 2 - Loan Modification Forum

gordons5 · 08-29-2008, 01:08 PM

Well, I emailed Javid a couple weeks ago now(or so it seems like that long ago anyway) stating I did not receive all the docs requested in QWR. No response. I did get the papers for the mod, they will lower our rate 1%, which I suppose is okay since I am not technically behind any payments, I guess I was hoping for something a little more affordable. I can't really afford what they are offering, but I can't afford not to either. My question is if I take their modification, can I still file the complaints with HUD, OCC, FTC, or does that take away that right? My payment is set to go up $200 a month due to property taxes, so the mod will basically keep the payment were it is at right now, but I still think something is wrong with my loan docs and I do not want to take that off the table. Any suggestions?
Thanks,Kristi

Moe Bedard · 08-29-2008, 02:05 PM

Kristi,

With the QWR it is best to send it certified mail return receipt requested..........this way you have someone signing for it...........a fax confirmation just means that it was sent through the fax o.k........but doesn't indicate that a person received it..............so you should send it certified.........

gordons5 · 08-29-2008, 02:13 PM

I received part of it, so I know they received it. It came with a letter saying the TIL, GFE, and a few other docs I requested were not part of loan servicing and would not be sent. So, I know they received it. I then sent an email to Javid Jaberi to let him know they had not sent all the docs requested(after original was faxed, i sent an email to him, they sent the docs after that). Anyway, I still have not received them, as they are saying they are not related to servicing of loan and will not be sending them. If I accept the loan mod, can I still file a complaint? Thanks for your help!!

Moe Bedard · 08-29-2008, 09:59 PM

You can still file a complaint with HUD even if you sign modification docs............the docs just state that you will not bring a suit against them.

925girl · 08-30-2008, 01:41 PM

Hey Erika,
I have been reading your posts and thank you for your input. I sent another request so if they don't play ball I will step it up. I would love to see what they have. I read somewhere sometime that some of these banks don't have the DOT. Did you ever get your mod?

alf105 · 06-27-2009, 08:37 AM

I received my QWR and can't figure out what is being said. Who can I turn too and have my QWR analyzed ?

caldwellb02 · 10-10-2009, 10:26 AM

I'm awaiting a QWR response, too. I'm planning on hiring an attny to do a forensic loan audit when I get the papers. I got into this mess because I don't understand banker/lawyer gobbledygook, so I'm not taking any chances. I know you posted this a while ago so maybe you have your situation resolved... I'm just cruising right now for info on QWR and found this post.

I am trying to pull together any info I might need for the class action suit (see Moe's thread).

08-29-2008, 01:08 PM	#26 (permalink)
gordons5 Member Join Date: Jul 2008 Posts: 17 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: No response to qwr Well, I emailed Javid a couple weeks ago now(or so it seems like that long ago anyway) stating I did not receive all the docs requested in QWR. No response. I did get the papers for the mod, they will lower our rate 1%, which I suppose is okay since I am not technically behind any payments, I guess I was hoping for something a little more affordable. I can't really afford what they are offering, but I can't afford not to either. My question is if I take their modification, can I still file the complaints with HUD, OCC, FTC, or does that take away that right? My payment is set to go up $200 a month due to property taxes, so the mod will basically keep the payment were it is at right now, but I still think something is wrong with my loan docs and I do not want to take that off the table. Any suggestions? Thanks,Kristi

08-29-2008, 02:05 PM	#27 (permalink)
Moe Bedard Founder Join Date: Aug 2007 Location: Southern California Posts: 16,887 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: No response to qwr Kristi, With the QWR it is best to send it certified mail return receipt requested..........this way you have someone signing for it...........a fax confirmation just means that it was sent through the fax o.k........but doesn't indicate that a person received it..............so you should send it certified......... __________________ Moe Bedard Founder LoanSafe.org "America's #1 Home Loan Forum" LoanWorkout.org "America's # Loan Modification Blog" Get My FREE Loan Modification E-Book \| Please donate to LoanSafe.org \| Loan Modification Training For Attorneys \| Rate Your Mortgage Servicer The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Here.

08-29-2008, 02:13 PM	#28 (permalink)
gordons5 Member Join Date: Jul 2008 Posts: 17 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: No response to qwr I received part of it, so I know they received it. It came with a letter saying the TIL, GFE, and a few other docs I requested were not part of loan servicing and would not be sent. So, I know they received it. I then sent an email to Javid Jaberi to let him know they had not sent all the docs requested(after original was faxed, i sent an email to him, they sent the docs after that). Anyway, I still have not received them, as they are saying they are not related to servicing of loan and will not be sending them. If I accept the loan mod, can I still file a complaint? Thanks for your help!!

08-29-2008, 09:59 PM	#29 (permalink)
Moe Bedard Founder Join Date: Aug 2007 Location: Southern California Posts: 16,887 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: No response to qwr You can still file a complaint with HUD even if you sign modification docs............the docs just state that you will not bring a suit against them. __________________ Moe Bedard Founder LoanSafe.org "America's #1 Home Loan Forum" LoanWorkout.org "America's # Loan Modification Blog" Get My FREE Loan Modification E-Book \| Please donate to LoanSafe.org \| Loan Modification Training For Attorneys \| Rate Your Mortgage Servicer The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Here.

08-30-2008, 01:41 PM	#30 (permalink)
925girl Senior Member Join Date: May 2008 Location: Antioch, California Posts: 208 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: No response to qwr Hey Erika, I have been reading your posts and thank you for your input. I sent another request so if they don't play ball I will step it up. I would love to see what they have. I read somewhere sometime that some of these banks don't have the DOT. Did you ever get your mod?

06-27-2009, 08:37 AM	#31 (permalink)
alf105 Member Join Date: Mar 2009 Posts: 7 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: No response to qwr I received my QWR and can't figure out what is being said. Who can I turn too and have my QWR analyzed ?

10-10-2009, 10:26 AM	#32 (permalink)
caldwellb02 Senior Member Join Date: Nov 2008 Location: Northern CA Posts: 1,783 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: No response to qwr I'm awaiting a QWR response, too. I'm planning on hiring an attny to do a forensic loan audit when I get the papers. I got into this mess because I don't understand banker/lawyer gobbledygook, so I'm not taking any chances. I know you posted this a while ago so maybe you have your situation resolved... I'm just cruising right now for info on QWR and found this post. I am trying to pull together any info I might need for the class action suit (see Moe's thread).

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