Countrywide Success!

[dakota]

When I talked to my negotiator on Thursday morning, she told me my payment went up about $9.00 since they are adding January and February's payment to the backend. My question is I have $415.00 in late fees due to the fact of paying after the 16th of the month. Don't know what is happening with that amount. I know that my paperwork was going through the audit department a second time and should be sent out early next week. Talked to Adrienne as well on Thursday and she was sending a note to my negotiator with my questions. One thing I must say about my dealings with Countrywide....I have experienced very good customer service the majority of the time I talked to them. I nevered her from their collections department either. It is sad though that it took a "QWR" and emails to get this moving.

Atrombley1...how long did they give you to get the docs notarized and your check sent back.

[Andrew]

I cant remember who it was, but one other member had 48 hrs to return everything back to countrywide.

[pbbobkanobi]

Originally Posted by dakota

Andrea, Bob, and Andrew.....How long did it take to receive your papers after you were told you were approved for your mod? Andrea, did you ever figure out why CW wanted money from you?

I did not have to sign anything because I was not behind in payments I guess. I did get a confirmation letter from the President of CW that my mod is approved and effective Feb 08. That took about a week to get to me.

I sleep really good at night now......loan mods are better than sleeping pills!!

Keep Fighting!!!

[CreativeHoob]

That is great that CW came through.

We have been working (if that is what you call it) since Aug. 2007. We knew our situation was not looking good and didn't want to fall behind. We tried to refinance, but they couldn't help us there either.

We received the initial letter that they were going to work with us and then heard nothing for months. I finally called in October, because I knew we were going to fall behind. CW said nothing had been done. In November, now being one payment behind we received a foreclosure letter. I couldn't believe it. We called the modification department and they told us not to worry about it because we were in the system. Frustrated I called several more times in November - most of the people I reached were rude and not very helpful. December I called a few more times and still got the same answer that nothing was being done on the loan mod. On the 24 of December I was making a payment (still one month behind though) and saw that CW offered repayment options. I call CW and finally (at least I thought) spoke to a pleasant person about doing repayment options. We talked over things, but the CW rep said we shouldn't do this because we were already in the loan mod. process and this would be much better for us. He said to just hang on until 1/15 when our file was supposed to be closed. But he also recommended that we call each week.

On the 8th of January, I called and the CW rep this time I am told that our foreclosure notice expired on the 2nd and that they couldn't guarantee that they wouldn't foreclose on our house. "She said this is an eye opener that you need to pay up" - I was so upset, that I told her that back in August (when we were still on time with payments) was my eye opener to them that we needed help. If the loan mod wasn't going to work - then why didn't they offer us the repayment schedule - SIGH.

I just called today and like always I get different information. This time the CW rep said that our foreclosure notice expired on the 2nd of Dec not January. But yet the CW rep back in November said NOT TO WORRY ABOUT IT!!! At least this time they said something was happening - but nothing about it actually going forward. Her last comment to me was that there is NO guarantee and that we should look at other options! AACK!!!

I know it isn't their fault we are behind, but we knew we would have to refinance out of our 2 ARM to be able to afford the payments - even at CW loan officers recommendation when we took the loan. But we are willing and able to keep our promise to CW - we just needed some help at this time.

We never thought it would take this long. It is good to know that they have helped someone.

[elusha]

Hello Andrew or Dakota, I been calling and writing to Country Wide and there is no success. I am really glad to hear that someone is winning!!!!!
Andrew is anyway I can I call you, so I can get a better grip on how should I approach the situation and who should I call. My situation is that my loan is expiring in 4 month to 8.25% PI. I used to have 4.25 interest only now is 6.25 plus principle and will be 8.25% in 4 month. I really hope that you guys can help me to survive. and I can get 5 years 5% or so, but interest only.
Thank you. Eli

[Moe Bedard]

Welcome Eli,
Please start a thread in the "Tell us you story" section so Andrew can reply......and this way we can monitor your story and progress in a thread for you......

[Andrew]

Eli, you can email me see my email address below. It's very unlikely they will give you interest only since those are the types of loans that are involved in the subprime mess. Are you able to afford your payments now?

[Andrew]

[sparky]

Andrew, hope you get this. Someone on this site said you had all the addresses, phone #, contacts, ? to Countrywide. I could not find anything here. Can you post them again? I have a loan with them as well as Litton and Wells Fargo that I am trying to get modified. Thanks.

[Moe Bedard]

Sparky,

I just posted them in your thread...........