Countrywide Success VII - Loan Modification Forum

sammie04 · 02-22-2008, 07:58 PM

I just got home and went to get my mail and there in the door was a Fedex package. I was so scared and nervous I had to sit down before I could open it. My husband was standing over my shoulder, I think as nervous as me. We opened them and it's everything we can live with. They froze our rate for 5 years. 8% not the greatest but hey I can live with it. They finally straightened out my good faith money, I only have to pay them the diff. between what they had sitting there in suspense and what I had originally told them I could pay. The only thing that confuses me is it says in the doc that we have to sign a auto payment document so they can withdraw our pmt each month but it's not in the package so I am assuming it's a standard form letter and not everytbody has to do this. Also the letter is dated 2/7/08 and says everything has to be returned by 02/22/08 (today) and we just got it today (oh by the way no signature needed since they left in the door) but the first page when we pulled everything out had a sheet on it with a clock that says need to have back by 3/6/08. SO they are getting better but still do some stupid things!

02-22-2008, 08:04 PM

The auto payment thing is something they do with everyone....people are being treated like a 3 year olds....well they think that by doing that they are reducing the risk and exposure to future payment problems.....little do they know that down the road people do open up other accounts...life changes.

They can not make it mandatory for the life of the loan they just forgot the doggoned thing in your package..

Whoooohoooooo you did it guys......YES!!!!!!!

CONGRATULATIONS !!!!! HAPPY, HAPPY !!!!!!

You lived to tell the tale.......

Stick around and help out there are so many more......we will miss you if you do not.

Oh now you get to more to the success area.....so look there in a while for your messages...

sammie04 · 02-22-2008, 08:14 PM

THANK YOU! THANK YOU! THANK YOU! I would love to stick around and help in anyway that I can. I could not have done this without all the help from you guys here. It gave me the strength to make those calls everyday and write the letters, etc.

I swear I'm so happy right now I can't stand myself!

All I can say is thank you so much and for everyone out there do as they say, call, call, call, fax, fax, fax and don't give up.

Moe Bedard · 02-22-2008, 10:19 PM

All I can say is.........

Sammie You Rock!!!!!!

mreedlaw · 02-23-2008, 05:49 AM

So I can uncross my fingers, now? Good, cause typing was so much tougher with them crossed...

Congratulations Sammie, and have a wonderful weekend, Michael

LayteBlooma · 02-23-2008, 06:33 AM

Congratulations!!!!! I'm very happy for you! Now you can rest easier!

sammie04 · 02-23-2008, 07:25 AM

Thanks so much. I cannot tell you how much better I feel. It feels like the weight of the world has been lifted off my shoulders. I truly hope that everyone out there who is dealing not only with countrywide but each lender gets to feel the same relief.

I'll still be sticking around to try to help anybody who wants it.

JacMac · 02-23-2008, 11:13 PM

This is such good news, CONGRATULATIONS!!!!

CWs nightmare · 02-24-2008, 06:23 AM

Sammie04

Congratulations on your mod. I have been following your process here on the forum (I also own/live in Ohio) and am hoping to have similar success.

I am glad to see that you are able to relax and move on from this nightmare! HOORAY!

sammie04 · 02-24-2008, 08:36 AM

I will cross my fingers and pray that you have the same successful outcome that I did. Just remember to follow the advise of the people who have been successful before us and Poppy's big one of call, call,call and fax, fax, fax, and I added e-mail, e-mail,e-mail to every countrywide name that Andrew provided.

It's a frustrating process but in the end so worth it. Because I walked around and looked at my house this weekend and thought this is where we raised our kids and I have my first grandchild coming this summer and I want him to be able to come with his parents and be in the same house his mom was in and it's such a great home and neighborhood that I was determined I was not going anywhere!

So my fingers are crossed for everyone out there still doing the battle!

mreedlaw · 02-24-2008, 11:53 AM

Okay, then I'm crossing them back now - let's hope to add some more Roman numerals next to Countrywide Success threads...

sammie04 · 02-24-2008, 03:38 PM

It's going to be hard to type again but we'll just have to do our best

02-22-2008, 07:58 PM	#1 (permalink)
sammie04 Senior Member Join Date: Jan 2008 Location: Ohio Posts: 36 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Countrywide Success VII I just got home and went to get my mail and there in the door was a Fedex package. I was so scared and nervous I had to sit down before I could open it. My husband was standing over my shoulder, I think as nervous as me. We opened them and it's everything we can live with. They froze our rate for 5 years. 8% not the greatest but hey I can live with it. They finally straightened out my good faith money, I only have to pay them the diff. between what they had sitting there in suspense and what I had originally told them I could pay. The only thing that confuses me is it says in the doc that we have to sign a auto payment document so they can withdraw our pmt each month but it's not in the package so I am assuming it's a standard form letter and not everytbody has to do this. Also the letter is dated 2/7/08 and says everything has to be returned by 02/22/08 (today) and we just got it today (oh by the way no signature needed since they left in the door) but the first page when we pulled everything out had a sheet on it with a clock that says need to have back by 3/6/08. SO they are getting better but still do some stupid things!

02-22-2008, 08:04 PM	#2 (permalink)
Mary Salzer Guest Posts: n/a	Re: I got them! I got them! Mod. docs from c/w The auto payment thing is something they do with everyone....people are being treated like a 3 year olds....well they think that by doing that they are reducing the risk and exposure to future payment problems.....little do they know that down the road people do open up other accounts...life changes. They can not make it mandatory for the life of the loan they just forgot the doggoned thing in your package.. Whoooohoooooo you did it guys......YES!!!!!!! CONGRATULATIONS !!!!! HAPPY, HAPPY !!!!!! You lived to tell the tale....... Stick around and help out there are so many more......we will miss you if you do not. Oh now you get to more to the success area.....so look there in a while for your messages...

02-22-2008, 08:14 PM	#3 (permalink)
sammie04 Senior Member Join Date: Jan 2008 Location: Ohio Posts: 36 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: I got them! I got them! Mod. docs from c/w THANK YOU! THANK YOU! THANK YOU! I would love to stick around and help in anyway that I can. I could not have done this without all the help from you guys here. It gave me the strength to make those calls everyday and write the letters, etc. I swear I'm so happy right now I can't stand myself! All I can say is thank you so much and for everyone out there do as they say, call, call, call, fax, fax, fax and don't give up.

02-22-2008, 10:19 PM	#4 (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: I got them! I got them! Mod. docs from c/w All I can say is......... *Sammie You Rock!!!!!!* __________________ 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.

02-23-2008, 05:49 AM	#5 (permalink)
mreedlaw Senior Member Join Date: Jan 2008 Location: Frederick, MD Posts: 224 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Countrywide Success VII Got The Mod Docs!!! So I can uncross my fingers, now? Good, cause typing was so much tougher with them crossed... Congratulations Sammie, and have a wonderful weekend, Michael

02-23-2008, 06:33 AM	#6 (permalink)
LayteBlooma Member Join Date: Feb 2008 Posts: 7 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Countrywide Success VII Got The Mod Docs!!! Congratulations!!!!! I'm very happy for you! Now you can rest easier!

02-23-2008, 07:25 AM	#7 (permalink)
sammie04 Senior Member Join Date: Jan 2008 Location: Ohio Posts: 36 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Countrywide Success VII Got The Mod Docs!!! Thanks so much. I cannot tell you how much better I feel. It feels like the weight of the world has been lifted off my shoulders. I truly hope that everyone out there who is dealing not only with countrywide but each lender gets to feel the same relief. I'll still be sticking around to try to help anybody who wants it.

02-23-2008, 11:13 PM	#8 (permalink)
JacMac Successful Homeowner Join Date: Nov 2007 Location: New York Posts: 231 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Countrywide Success VII This is such good news, CONGRATULATIONS!!!! __________________ Jac Mac (Sabine) *I fought Countrywide & saved my home* ______________________________________ 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. You should contact your attorney to obtain advice with respect to any particular issue or problem. Please Read our Privacy Policy and Legal Disclaimer

02-24-2008, 06:23 AM	#9 (permalink)
CWs nightmare Senior Member Join Date: Feb 2008 Location: Midwest Posts: 50 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Countrywide Success VII Got The Mod Docs!!! Sammie04 Congratulations on your mod. I have been following your process here on the forum (I also own/live in Ohio) and am hoping to have similar success. I am glad to see that you are able to relax and move on from this nightmare! HOORAY! __________________ You want me to do what?

02-24-2008, 08:36 AM	#10 (permalink)
sammie04 Senior Member Join Date: Jan 2008 Location: Ohio Posts: 36 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Countrywide Success VII I will cross my fingers and pray that you have the same successful outcome that I did. Just remember to follow the advise of the people who have been successful before us and Poppy's big one of call, call,call and fax, fax, fax, and I added e-mail, e-mail,e-mail to every countrywide name that Andrew provided. It's a frustrating process but in the end so worth it. Because I walked around and looked at my house this weekend and thought this is where we raised our kids and I have my first grandchild coming this summer and I want him to be able to come with his parents and be in the same house his mom was in and it's such a great home and neighborhood that I was determined I was not going anywhere! So my fingers are crossed for everyone out there still doing the battle!

02-24-2008, 11:53 AM	#11 (permalink)
mreedlaw Senior Member Join Date: Jan 2008 Location: Frederick, MD Posts: 224 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Countrywide Success VII Okay, then I'm crossing them back now - let's hope to add some more Roman numerals next to Countrywide Success threads...

02-24-2008, 03:38 PM	#12 (permalink)
sammie04 Senior Member Join Date: Jan 2008 Location: Ohio Posts: 36 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Countrywide Success VII It's going to be hard to type again but we'll just have to do our best

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