Sent Aurora a QWR in November.

[celloshred]

I got some letter last month that 'they received my correspondence' and that was it.

60 days is approaching this week.

What should I do next?
Does this mean they arent the owner of the Note on my home? Or that they cannot locate these documents?

[Moe Bedard]

If you sent the QWR in Nov............which they would have had 20 Business days.......not including holidays to respond..........and they responded.........then they would have 60 Business days from the date of the letter, not including holidays to resolve the complaint by correcting the account or giving a statement of the reasons for its position.

[celloshred]

i just asked for copies of the note, deed, til, and other docs from the signing.

if they dont respond in 60 business days, what then?
does the 60 days stall any foreclosure proceedings?

[Moe Bedard]

You can either send another QWR in response to why the QWR went unanswered or you can file a complaint with HUD............a QWR does not stall foreclosure.

Filing a RESPA complaint

Persons who believe a settlement service provider has violated RESPA in an area in which the Department has enforcement authority (primarily sections 6, 8 and 9), may wish to file a complaint. The complaint should outline the violation and identify the violators by name, address and phone number. Complainants should also provide their own name and phone number for follow up questions from HUD. Requests for confidentiality will be honored. Complaints should be sent to:

Director, Office of RESPA and Interstate Land Sales
US Department of Housing and Urban Development
Room 9154
451 7th Street, SW
Washington, DC 20410

[celloshred]

is it possible Aurora is just the servicer and the delay is getting a hold of the actually holder of the note?

if they are NOT in fact the note holder, can they legally foreclose?