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| Success Stories - Homeowners Who Fought Back & Won This section is dedicated to the homeowners who were facing foreclosure and fought back to win the battle against their lenders. I hope to add many more stories here as times goes by. Please let us know if you have a success story that you can share to give others encouragement to keep fighting! |
This is a discussion on Hot Diggity Dogg!! CW SUCCESS!! within the Success Stories - Homeowners Who Fought Back & Won forums, part of the Stop Foreclosure and Tell Us Your Story category; GOOD AFTERNOON EVERYONE, FIRST OF ALL I WANT TO SAY GOD BLESS THIS WEBSITE. IF I HAVEN'T HEARD ABOUT IT, ...
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| Member Join Date: Jun 2008
Posts: 28
Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0 | GOOD AFTERNOON EVERYONE, FIRST OF ALL I WANT TO SAY GOD BLESS THIS WEBSITE. IF I HAVEN'T HEARD ABOUT IT, Countrywide Home Loans STILL WOULD HAVE ME STRESSING ABOUT MY LOAN MODIFICATION. ORIGINALLY I POSTED MY THREAD AS COOKIE26581 TITLE "LOAN MODIFICATION DELAY - HELP!!!" BUT ANYWAYS. I COULD NOT LOGIN AS COOKIE26581. HERE WAS MY STORY: TWO YEARS AGO ON FEBRUARY 2006, I GOT MY FIRST HOUSE, WHICH THEY MONTHLY MORTGAGE AMOUNT FOR THE FIRST TWO YEARS WAS $1,320.62 AND IT WAS SCHEDULED TO ADJUST IN FEBRUARY 2008. WELL, I GOT ONE MONTH BEHIND BECAUSE OF SOME MAJOR CIRCUMSTANCES AND CALLED Countrywide Home Loans FOR ASSISTANCE. I FAXED ALL THE REQUIRED DOCS TO APPLY FOR A LM, WHICH WAS BACK IN NOVEMBER 2007. IN JANUARY 2008, I WAS APPROVED FOR A LOAN MODIFICATION, WHICH MY PAYMENTS WOULD BE $1341.20 AT 7% STARTING MARCH 2008 THROUGH 2013. (IT WAS $20 AND SOME CHANGE MORE BUT I COULD LIVE WITH THAT UNTIL I GET MY FINANCIAL SITUATION SORTED OUT). I SENT THE PAPERWORK NOTARIZED AND Countrywide Home Loans RECEIVED IT JANUARY 29, 2008. STARTING IN MARCH, LIKE A GOOD CUSTOMER, I STARTED SENDING MY PAYMENTS AS AGREED. BUT I KEPT GETTING MAIL AND TELEPHONE CALLS INDICATING THAT MY LOAN WAS IN DEFAULT BECAUSE ORIGINALLY I HAD AN ADJUSTABLE UNDER THE OLD TERMS OF THE LOAN. IT WAS SCHEDULE TO ADJUST IN FEBRUARY 2008. THIS IS WHY I WANTED TO THE LM AND I WAS ALREADY ONE MONTH BEHIND PRIOR TO THE LM. ANYWAY, I HAD A HARD TIME TO GET A HOLD OF MY NEGOTIATOR. BUT I FINALLY SPOKE WITH HIM ON MARCH 28, 2008, WHICH I HAD TO EXPLAIN TO HIM THE SITUATION WITH THE TELEPHONE CALLS AND LETTERS. NOT ONLY THAT I COULDN'T EVEN SEND THE PAYMENT VIA WEB. AND EVERY TIME, I CALLED CUSTOMER SERVICE, I SPOKE WITH A DIFFERENT PERSON WHO WAS GOING BY THE OLD TERMS OF THE LOAN. BECAUSE NO ONE UPDATED THE COMPUTER. AND I HAVE TO EXPLAIN MY ENTIRE EXPLANATION OVER AGAIN. THE NEGOTIATOR, SAID THAT AS LONG AS I HAVE THE PAPERWORK APPROVING THE LM, I WAS TO SEND THE PAYMENT TO 400 COUNTRYWIDE WAY, SIMI VALLEY, CALIFORNIA IN THE FORM OF A CASHIER'S CHECK. BY THE WAY, IT'S FUNNY HOW THEY TOLD ME THAT THE ONLY WAY TO CONTACT MY NEGOTIATOR WAS VIA EMAIL AND THAT HIS EXTENSION WAS NOT WORKING (HMMMM ANYWAY, TO MAKE A LONG SHORT STORY. THEY HAD NOT UPDATED THEIR COMPUTER AND THEY FED-EXED ME PAPERWORK INDICATING THAT THEY WERE REDUCED MY INTEREST RATE EFFECTIVE JUNE 1, 2008 AND IT WILL REMAIN IN EFFECT UNTIL JUNE 30, 2013. MY JULY PAYMENT WILL BE $1,564.02. BUT MY ACCOUNT IS DUE FOR $2,823.13 (THIS IS BECAUSE THEY NEVER PUT THE LM IN AND THIS IS THE AMOUNT THAT I WAS BEHIND UNDER THE OLD TERMS). THIS LETTER WAS DATED MAY 19, 2008. NEEDLESS TO SAY, THIS FRUSTRATED ME EVEN FURTHER AND FIVE MONTHS HAVE GONE BY WITH NO RESULTS. I WROTE DOWN NAMES, TIMES AND DATES, EVERY TIME I CALLED. I STILL SENT MY LM PAYMENT AS AGREED. AND THAT'S WHEN I POSTED HELP ON THIS WEBSITE FOR ASSISTANCE. *** RESPONDED (THANKS *** YOU ARE A SWEETIE) AND GAVE ME THE NUMBER FOR TABITHA ON 6/2/08, I BELIEVE IT WAS. TABITHA GOT RIGHT ON IT. IT TOOK A WEEK. SHE WAS VERY DILIGENT IN TELEPHONING ME TO LET ME WHAT THE STATUS WAS IN GETTING THIS SITUATION CORRECT. WELL, SHE CALLED ME YESTERDAY MORNING AND GAVE ME THE GREAT NEWS. THAT EVERYTHING WAS TAKEN CARE OF. SHE HAD REVERSE EVERYTHING OFF THE COMPUTER AND INPUT THE CORRECTIONS. I JUST CHECK THE Countrywide Home Loans WEBSITE TO VIEW MY ACCOUNT AND HOT DIGGITY DOGG!!! SINCERELY, COOKIE Last edited by cookiefrmcali; 06-12-2008 at 01:24 PM.. |
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| Founder Join Date: Aug 2007 Location: Southern California
Posts: 16,887
Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0 | Re: Hot Diggity Dogg!!!!!! I Defeated Cw Just check in with Tabitha about the descrepancy online........ did you ever receive new mod docs?
__________________ 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 ServicerThe 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. |
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| Member Join Date: Jun 2008
Posts: 28
Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0 | Re: Hot Diggity Dogg!!!!!! I Defeated Cw The LM docs, I sent it back on 1/29/08, which was for 1341.20. Could you give me her number. My original post is not there and I never wrote it down. Thanks, ***. |
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| Founder Join Date: Aug 2007 Location: Southern California
Posts: 16,887
Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0 | Re: Hot Diggity Dogg!!!!!! I Defeated Cw Here you are........... Tabitha 1-800-405-0078 ext. 5224
__________________ 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 ServicerThe 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. |
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| | #5 (permalink) |
| Member Join Date: Jun 2008
Posts: 28
Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0 | Re: Hot Diggity Dogg!!!!!! I Defeated Cw Thanks ***, Your quick. I found the number. This time I will definitely program it into my phone. I just left her a message. I will let you know what she says. Thanks, again for your help. |
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| Senior Member Join Date: May 2008 Location: Illinois
Posts: 84
Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0 | Re: Hot Diggity Dogg!!!!!! I Defeated Cw Don't even want to think about what would happen if we didn't have ***! (She even has email procedures named after her!) |
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| | #7 (permalink) |
| Member Join Date: Jun 2008
Posts: 28
Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0 | Re: Hot Diggity Dogg!!!!!! I Defeated Cw Yes, *** is great. So is Tabitha. She must be out of the is office, today. I tried calling her again a few minutes ago. It went to voicemail. I'll try her again tomorrow. I know I sound like a broken record. THANK GOODNESS FOR THIS WEBSITE!!!! I will definitely spread the word about this website. It is such a great tool. I can't help stop raving about it to my boyfriend. For those who are going through the same thing or even worse from what I can see from other posts with Countrywide Home Loans or any other company. Try to hang in there!!!! Last edited by cookiefrmcali; 06-12-2008 at 03:26 PM.. Reason: Grammar |
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| | #9 (permalink) |
| Member Join Date: Jun 2008
Posts: 28
Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0 | Re: Hot Diggity Dogg!!!!!! I Defeated Cw Tabitha just called and said that my payment is $1,341.20 as agreed per LM. She said with the corrections made, yesterday. Sometimes, it will reflect the old payment. She said that it will correct itself, when I make the July payment. She also said, that after the payment has been posted for July and it still shows the $1320.62 amount, I should call her, right away. Also, it won't take any payments less than $1,341.20. In the words of my two year old nephew, "YEY!!!!!!!!!!!!!!!!!!!!!!!!!!!" Finally, I have peace of mind after all this time. I could not have done without this wonderful website. Thanks Ergoof123 for your comment. Sincerely, Cookie |
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| | #10 (permalink) |
| Founder Join Date: Aug 2007 Location: Southern California
Posts: 16,887
Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0 | Re: Hot Diggity Dogg!!!!!! CW SUCCESS!! cookie, I knew you could do this............CONGRATULATIONS TO YOU!!!!!! You Did It!!! I am So Happy for YOU!!!! to you and ergoof, Thank you very much for your kind words..........
__________________ 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 ServicerThe 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. |
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| New Member Guide & Litton Success Join Date: Jan 2008 Location: New Jersey
Posts: 1,090
Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0 | Re: Hot Diggity Dogg!! CW SUCCESS!! Cookie: You rock, congratulations
__________________ Lynn Successful thanks to this forum Loan Safe Guide |
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| Successful Homeowner / Loan Safe Guide Join Date: Dec 2007 Location: Gold Country, Northern California
Posts: 1,025
Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0 | Re: Hot Diggity Dogg!! CW SUCCESS!! Congratulations Cookie!!!!! Great job...now it's time to relax and enjoy your home!
__________________ Erika 10 Month Success Story With Option One. |
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| Member Join Date: Jun 2008
Posts: 28
Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0 | Hi Everyone, Another update: I received a letter from CW, which indicated that they will making corrections on my credit report to the credit bureaus in regards to the March, April and May payments for the mortgage. This is such great news, it's about time. Thanks Loan Safe. Have a great weekend and Happy Father's Day. Cookie |
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