I'll give you the rundown: Loan with PNC/National City and I am told Wells Fargo is investor.
May 2009 - requested modification. Denied. Told to resubmit request.
June 2009 - 4 month forebearance. Paid the new lower amount every month until October. Resubmitted my financials in September like they asked me. Told that I would soon be contacted.
October 2009-December 2009 - Called every week. Told constantly not to pay but to save my money as I was not on a repayment plan, and that a negotiator would contact me soon.
December 9 - told that a glitch in the system. No one had looked at my packet. For some reason my loan had gone to the collections people and I was no longer in loss mitigation. They would send out a new modification packet for me to fill out.
December 15 - Received modification packet and a check for the amount I paid from June through September AND ANOTHER LETTER FROM COLLECTIONS STATING I WAS IN DEFAULT AND HAD UNTIL JANUARY 15 TO PAY OR FORECLOSURE PROCEEDINGS WOULD START. Filled out new modification packet.
December 21 - Now the "system" has me as 7 months behind. Told that because I resubmitted modification packet the "system" sees it as a new request and could be another 12 weeks to get to a negotiator. In the meantime the loss mitigation counselor was going to "tell it to me straight" that I should contact collections and pay or they could foreclose and loss mitigation could not tell collections what to do even though it was their fault that my modification had not been looked at.
After a sleepless night, I decided to call collections the next day and scrape up all my savings to pay or get a repayment plan from collections. Collections told me that I should not pay as alot of activity was going on in my file in the last 24 hours and I had been assigned a negotiator. They could not connect me to the negotiator. The phone number they gave me to the negotiator has been busy since (no voice mail or anything). My "processor" called and said that I had been sent a letter on Wednesday but would not tell me what it was...
I do not want to get this close to foreclosure, and the letters (same letter sent 4 times, and certified) all threaten foreclosure if I don't pay the whole past due by January 15. I feel like they are trying to get me to foreclose?ANY ADVICE WOULD BE APPRECIATED! Thanks.