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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 Everyone, CW/NACA SUCCESS!!!! within the Success Stories - Homeowners Who Fought Back & Won forums, part of the Stop Foreclosure and Tell Us Your Story category; Thank you mshanie! I love this web site. Everytime I begin to think negatively about the whole situation I log ...
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| | #26 (permalink) |
| Senior Member Join Date: Feb 2009 Location: West Virginia
Posts: 36
Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0 | re: Everyone, CW/NACA SUCCESS!!!! Thank you mshanie! I love this web site. Everytime I begin to think negatively about the whole situation I log onto this site. Or remember the stories that I've read. It cheers me up and gives me hope. We're going to be okay mshanie! I just know we will. Thanks, P.S. Will take advice and check on that cancellation date. |
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| | #27 (permalink) |
| Member Join Date: Feb 2009
Posts: 19
Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0 | re: Everyone, CW/NACA SUCCESS!!!! Mshanie- Double and even triple checking info espically fom CW is very sound advice. Two years ago while doing refi with CW....AFTER it was completed....CW foreclosed and set a sale date for a loan that no longer existed! All because one dept. didnt "pay off" another dept. within CW. After many, many phone calls I got it resolved but it was quite alot of BS to do it. Hang in there and keep calling....the squeeky wheel gets the gease! |
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| | #28 (permalink) |
| Senior Member Join Date: Jan 2009 Location: California
Posts: 265
Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0 | re: Everyone, CW/NACA SUCCESS!!!! I am so glad NACA was able to help you stall things mshanie! I was thinking of your story recently and wondered what happened. Will keep saying prayers for you and your family :-) |
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| | #29 (permalink) |
| Senior Member Join Date: Feb 2009 Location: West Virginia
Posts: 36
Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0 | mshanie, I called the attorneys office and double checked. The sale date has not been cancelled. Called my contact and she had already spoken to the attorneys office and found out that a "cancellation technician" has to call and cancel sale date. She's trying to find out who that is for me and I'm to contact her this evening! Thanks guys for reminding me to double check! |
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| | #30 (permalink) |
| Senior Member Join Date: Dec 2008 Location: Indiana
Posts: 105
Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0 | re: Everyone, CW/NACA SUCCESS!!!! Ok... today's the 16th...My CW account says active processing, do not call back before 3/31/2009, all of my NACA doc's are showing as received onmy account screen. My messages center has been apparently disabled, now we wait.......................... |
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| | #31 (permalink) |
| Senior Member Join Date: Dec 2008
Posts: 65
Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0 | re: Everyone, CW/NACA SUCCESS!!!! When did NACA submit your documents? NACA told me ours was submitted on 3/3/09, but I don't see them posted to our account. How can you tell if they are NACA documents on the mod workout area? Does it say NACA? Thank you. |
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| | #32 (permalink) |
| Senior Member Join Date: Jan 2009
Posts: 75
Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0 | re: Everyone, CW/NACA SUCCESS!!!! i was told by naca they were submitted on 3-2 but on a follow up call to naca they were not yet submitted so i have a phone appt with naca thursday i hope things turn out good for us |
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| | #33 (permalink) |
| Senior Member Join Date: Dec 2008 Location: Indiana
Posts: 105
Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0 | sherman, I originally submitted on a phone in to NACA on or around 1/28/09, then my NACA docs were re-submitted on an "urgent" sale date, submitted on 2/13/2009, due to us receiving sherriff's sale papers for 3/17/2009, it was also during that time, our CW account said"active processing" all collections activities have been postponed............whatever......CW is so screwed up. Bottom line here, NACA sent my docs to CW on 3/13/2009 after I informed them of the sale date even though I had submitted all of my online and phone counseling at the end of Jan, I realize we are not the only one's that they are dealing with, but due to the sale NACA rose to the occasion and stepped up to the plate and somehow got CW to stop the sale date, I think it was around the first week of March that happened, at this point I think I was in shock. Back to your original question, my CW account was showing doc's received on 3/11/2009, I hadn't sent them any that they admitted receiving, so I am assuming those are my NACA generated doc's. With a few dozen phone calls to the CW actors I discovered that my assumptions were correct, those doc's were the one's that I had originally sent to NACA at the end of Jan. Now, CW will not even deal with me at the advocacy dept level, which in my mind is a good thing , they said I am strictly to go through my NACA contact, for I am under contract with them now to handle my dilemna!! GREAT!!!! Going with NACA will also take time, and I realize that, but at least I no longer feel I'm taking a knife to a gunfight with NACA on my team, I hope this response didn't muddy the waters to much.. |
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| | #34 (permalink) |
| Senior Member Join Date: Nov 2008 Location: Florida
Posts: 627
Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0 | re: Everyone, CW/NACA SUCCESS!!!! Mshanie the Naca proposal is submitted to CW electronically by Naca and docs if any, sent by naca do not show up on your account, if you sent any docs to cw during this whole process that is what your are now seeing, whether they acknowleged them before or not, the date cw actually scans them into the system is the date that is posted not the date you faxed them, I had docs show up 4 times once a week for 4 weeks (i faxed to cw 4 times 4 days in a row, took forever to show up) |
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| | #35 (permalink) |
| Senior Member Join Date: Dec 2008 Location: Indiana
Posts: 105
Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0 | re: Everyone, CW/NACA SUCCESS!!!! gray517, Well it must have been awhile since you have dealt with CW, the specific doc's that I only sent to NACA were read to me verbatim from CW rep before she realized I was with NACA, then she clammed up and told me to only go through NACA, pretty strange though.Its pretty hard to pinpoint their business patterns as we all know, they change the game plan regularly. Just before the doc's I will say came from NACA showed up on my account, all of 60 plus days old info vanished from the screen and it only had my NACA specific doc's showing, it has to be the NACA info , for the mere fact it was never sent to CW...go figure!! |
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| | #36 (permalink) |
| Senior Member Join Date: Nov 2008 Location: Florida
Posts: 627
Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0 | re: Everyone, CW/NACA SUCCESS!!!! with cw confusion who knows, lol! oh well, you are in active process for mod and that's what's important. the docs posted on cw website only show there for 60 days and then poof, my mod and the associated docs are still showing (not been 60 days yet) but what's funny is i had 2 active mods at one time showing, the 1st one (naca) went the thru the various stages of processing to complete and is now gone, the other one (12/1 ag) my attempt is still showing as active processing, I sent a message about removing it and was told to call home retention since only they can remove it, that sounds like fun! would rather eat nails than have to talk to anyone at cw lol! no way! it can stay there forever |
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| | #37 (permalink) |
| Senior Member Join Date: Dec 2008 Location: Indiana
Posts: 105
Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0 | re: Everyone, CW/NACA SUCCESS!!!! gray517, Yeah who knows what's going on at CW, I think they are in scramble mode!! Trying to jump ship or vying for position with BoA who knows. Your post have been very informative to alot of us newer users of this forum, I guess everyone's situation is a little different, and I am hoping for the same outcome that you have had, nothing would make us happier than to be able to post another NACA success story here, I gues we'll just wait and hope everything works out for everybody that has to go through this thing, very stressful!!!!!!!!!!!!!!!! |
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| | #38 (permalink) |
| Senior Member Join Date: Dec 2008 Location: Indiana
Posts: 105
Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0 | re: Everyone, CW/NACA SUCCESS!!!! ok... just checked my e-mail, it said...... We are pleased to inform you of your newly restructured loan solution. This interest rate is based on your affordable mortgage payment you determined during your counseling session. It is a tremendous result and your mortgage payment will be reduced by hundreds of dollars every month for the life of your loan. Your new interest rate is stated below. It is permanent and for the remaining term of your loan. Interest Rate: 4.057% (for the life of your loan) You should receive your documents restructuring your mortgage within the next two weeks. The restructure is based on the above interest rate and your affordable mortgage payment consisting of the Principal, Interest, Tax Escrow, Property Insurance Escrow, Private Mortgage Insurance and Homeowners Association dues. Please review the details of the mortgage restructure documents. The new mortgage payment must be affordable over the long-term. If this is not the case or should you have questions, need additional information, or have comments please send an email to homesave@naca.com. You can also call us at 1-888-404-6222 after April 1st. Congratulations! We look forward to your continued participation with NACA. Thank You, Bruce Marks NACA CEO P.S. We continue to advocate for homeowners throughout the country and need your continued participation. Everyone needs a long-term affordable mortgage payment. CONGRATULATIONS ON ACHIEVING YOURS!! ail: |
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| | #39 (permalink) |
| Senior Member Join Date: Dec 2008 Location: Indiana
Posts: 105
Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0 | re: Everyone, CW/NACA SUCCESS!!!! I notice that there are several folks who received similar e-mails, I hope this is real!!!! If I'm dreaming, it's time to wake up |
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| | #40 (permalink) |
| Senior Member Join Date: Oct 2008 Location: Bonita Springs, Florida
Posts: 321
Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0 | re: Everyone, CW/NACA SUCCESS!!!! I'm starting to get very worried. I hate to be pessimistic, but my offer just seems too good to be true...2% for the life of the loan. I am so afraid this is a mass email that was sent out by mistake. I will be praying for all of us as I work today. Unfortunately, you will know the outcome of these emails before I do. I won't be able to verify anything until early evening. Good Luck to us all! |
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| | #41 (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: Everyone, CW/NACA SUCCESS!!!! The email itself is format.................but the interest rates for each are individual........and they are all CW.
__________________ 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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| | #42 (permalink) |
| Senior Member Join Date: Jan 2009 Location: California
Posts: 265
Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0 | re: Everyone, CW/NACA SUCCESS!!!! FLgata, I know how you feel, mine says 2% for the LOTL too. I called my husband and he said to just be calm until the papers are before us. Plus we have no idea of specifics they proposed originally...7K principal red., remove PMI, etc. There are many questions we do not have the answers to. But we are so hopeful! |
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| | #43 (permalink) |
| Senior Member Join Date: Dec 2008 Location: Indiana
Posts: 105
Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0 | re: Everyone, CW/NACA SUCCESS!!!! OMG....IT'S FOR REAL.......................... just got off the phone to NACA ( almost 1 hour wait), the gentleman told me that yes, you have been approved for you restructure with CW at the interest rate submitted by NACA...... he then had me forward the e-mail to him, and he received it and looked at it and sent a response to CW. He told me that I should be getting the actual paperwork in a week or two. I cannot believe it!!! I had my NACA paperwork sent to CW on 2/13/2009, I had previously been trying to work with CW on my own for months and months and getting no-where at all. Now ...poof!!!... Wow, what a relief, I haven't even seen the paperwork yet, but I am so happy I could just ****!!! |
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| | #44 (permalink) |
| Senior Member Join Date: Jan 2009
Posts: 264
Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0 | re: Everyone, CW/NACA SUCCESS!!!! That is great news! I finally feel like there is some hope! I have my NACA phone consultation tonight at 8pm. I will report back the results. Cobra |
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| | #45 (permalink) |
| Senior Member Join Date: Dec 2008 Location: Indiana
Posts: 105
Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0 | Re: Everyone,chill out,we are 18 months behind, Update : NACA SAVE 3/19/09!!!!!!!!!!!!!!!! Cobra, I am still in disbelief, but being on top of it and staying ruthless and continuing to be persistant does seem to be the fruits of our hard efforts to save our home, NACA is king as far as we're concerned, nothing like the psyhcological blood bath ,when cw is involved we can't get to anxious until we have doc's in hand though, remember CW is still involved. And when their involved well......you know. good luck |
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| | #46 (permalink) |
| Senior Member Join Date: Feb 2009 Location: West Virginia
Posts: 36
Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0 | re: Everyone, CW/NACA SUCCESS!!!! mshanie, CONGRATULATIONS!!!!!!!!!!! I'm so happy for you. Thanks for all of your help with my case too. You've been a great help. I still have to wait another week or two, but, I think I'll keep calling once or twice a week anyway. Your persistance and hardwork has paid off. I hope it pays off for me and everyone else too. |
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| | #47 (permalink) |
| Senior Member Join Date: Dec 2008 Location: Indiana
Posts: 105
Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0 | re: Everyone, CW/NACA SUCCESS!!!! khristi, Was starting to get concerned haven't heard from you in a while ( or maybe I spend to much time here) lol!!! How's things in your neck of the woods? |
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| | #49 (permalink) |
| Senior Member Join Date: Dec 2008 Location: Indiana
Posts: 105
Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0 | re: Everyone, CW/NACA SUCCESS!!!! GOT DOC'S FROM CW, JUST AS THE NACA PROPOSAL, SIGN AND NOTARIZE AND SEND BACK!!!!!!!!!!!!! WOOOO......HOOOOOOOO!!!!!!!! NACA ROCKS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! |
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