Comments on: Have You Visited LoanSafe.org Yet? http://loanworkout.org/2007/08/have-you-visited-loansafeorg-yet/ Loan Modification & Home Loan News Fri, 20 Nov 2009 12:55:43 -0700 http://wordpress.org/?v=2.8.6 hourly 1 By: Ronni Mandell http://loanworkout.org/2007/08/have-you-visited-loansafeorg-yet/#comment-552 Ronni Mandell Wed, 23 Apr 2008 03:09:46 +0000 http://loanworkout.org/2007/08/23/have-you-visited-loansafeorg-yet/#comment-552 My husband and I recently had a bad stretch after a slow winter for my husband's contractor network as many homeowners were not remodeling for having any repairs done, so we fell behind 2 months on our loan payments and that's after years and years of A-1 credit. We contacted a counselor group called Money Mangement International and they acted as our 3rd party go-between with Countrywide and we also appointed 2 more go-betweens, one a mortgage specialist and the other a news woman. We called the retention department and they proceeded to intimidate and degrade us and my husband is not the type of person to tolerate it, so he contacted U.S. Senator Dodd and gave him a full account of our finances and Senator Dodd proceeded to send the information to the Office of Thrift Management which is a division of the Treasury Department. In addition to this, my husband put a blog up on the internet and it did receive a lot of attention on different sites and people called us for help as they were getting the same treatment from a variety of lenders, who operate in the same manner. They try to drain the last dollar out of you and treat you like garbage or something less deisirable than a slug. He then contacted the Vice President of Public Relations and told them that a Mr. Michael Jackson spoke to us one evening for an hour and a half and he was demeaning, condescending and their was giggling in the background at 3 separate occasions during the conversation. We recorded the call as this was the 3rd time around through the Countrywide ringer and we wanted to be preared for the worst and we got it. After a week of war as we put it, they came to terms with us and offered us a reduction in our interest rate and they took 3 months future payments and 2 late months and added them into the princial and we came out a little under $100.00 less on our payment per month and we don't have to make a payment until August of 2008. This however, was entirely a different offer than originally proposed by another person in the retention department, who said the payments could be added to the end of the loan, but we took this offer as this whole thing was aggrivating and that doesn't mean that we are happy with it, but our wars will continue with Countrywide and other lenders as we will try to help others get options that they are entitled to and lenders what you to believe that you are not entitled to them and they will avoid offering them at all cost, but if you wish to post your gripes on our blog, send us an email at the following email address: 4everprancer@sbcglobal.net and we will post an entry revealing the name of the scoundrel lender that has demeaned you or is not offering you options to give you some relief. They are the lowest form of life and when they try to make a fool out of you, it's like the pot calling the kettle black. It's bad enough Congress allows it and doesn't do a damn thing about it,especially when they know people are going through hard times with outsourcing of jobs and elitists attitudes towards people in trouble. We have become a consumer society that buys all the goods that are no longer manufactured here but in other countries, where, we the taxpayers money is used to move them there by our lawmakers. What a kick in the ass that is. VOTE THE INCUMBENTS AND GET A NEW CONGRESS IN, REGARDLESS OF EXPERIENCE, AT LEAST THEY'LL KNOW THAT IF THEIR PERFORMANCE IS ANYTHNG LIKE THEIR PREDECESSORS, THEIR ASSES WILL BE OUT ALSO. November 4, 2008 is the day of reckoning, don't miss it and don't forget to vote the incumbents out. They've done nothing but let this country rot from the inside out while they suck up to the corporate lobbyists and CEO's all the while bailing out companies, lenders, investors with corporate welfare and then they let the people sink or swim and call them irresponsible. Any average American that can feel that way is a total ass and their day will come when that big wheel comes around and they are in the same situation and they will not like it. If you want a negotiator for a reasonable price for my time, I will fight until there is results or your money back. Put the names of the nasty lenders and their employees and executives out into the public forum and get them noticed. George Mandell My husband and I recently had a bad stretch after a slow winter for my husband’s contractor network as many homeowners were not remodeling for having any repairs done, so we fell behind 2 months on our loan payments and that’s after years and years of A-1 credit.

We contacted a counselor group called Money Mangement International and they acted as our 3rd party go-between with Countrywide and we also appointed 2 more go-betweens, one a mortgage specialist and the other a news woman.

We called the retention department and they proceeded to intimidate and degrade us and my husband is not the type of person to tolerate it, so he contacted U.S. Senator Dodd and gave him a full account of our finances and Senator Dodd proceeded to send the information to the Office of Thrift Management which is a division of the Treasury Department.

In addition to this, my husband put a blog up on the internet and it did receive a lot of attention on different sites and people called us for help as they were getting the same treatment from a variety of lenders, who operate in the same manner. They try to drain the last dollar out of you and treat you like garbage or something less deisirable than a slug.

He then contacted the Vice President of Public Relations and told them that a Mr. Michael Jackson spoke to us one evening for an hour and a half and he was demeaning, condescending and their was giggling in the background at 3 separate occasions during the conversation. We recorded the call as this was the 3rd time around through the Countrywide ringer and we wanted to be preared for the worst and we got it.

After a week of war as we put it, they came to terms with us and offered us a reduction in our interest rate and they took 3 months future payments and 2 late months and added them into the princial and we came out a little under $100.00 less on our payment per month and we don’t have to make a payment until August of 2008. This however, was entirely a different offer than originally proposed by another person in the retention department, who said the payments could be added to the end of the loan, but we took this offer as this whole thing was aggrivating and that doesn’t mean that we are happy with it, but our wars will continue with Countrywide and other lenders as we will try to help others get options that they are entitled to and lenders what you to believe that you are not entitled to them and they will avoid offering them at all cost, but if you wish to post your gripes on our blog, send us an email at the following email address: 4everprancer@sbcglobal.net and we will post an entry revealing the name of the scoundrel lender that has demeaned you or is not offering you options to give you some relief. They are the lowest form of life and when they try to make a fool out of you, it’s like the pot calling the kettle black.

It’s bad enough Congress allows it and doesn’t do a damn thing about it,especially when they know people are going through hard times with outsourcing of jobs and elitists attitudes towards people in trouble. We have become a consumer society that buys all the goods that are no longer manufactured here but in other countries, where, we the taxpayers money is used to move them there by our lawmakers. What a kick in the ass that is.

VOTE THE INCUMBENTS AND GET A NEW CONGRESS IN, REGARDLESS OF EXPERIENCE, AT LEAST THEY’LL KNOW THAT IF THEIR PERFORMANCE IS ANYTHNG LIKE THEIR PREDECESSORS, THEIR ASSES WILL BE OUT ALSO.

November 4, 2008 is the day of reckoning, don’t miss it and don’t forget to vote the incumbents out. They’ve done nothing but let this country rot from the inside out while they suck up to the corporate lobbyists and CEO’s all the while bailing out companies, lenders, investors with corporate welfare and then they let the people sink or swim and call them irresponsible. Any average American that can feel that way is a total ass and their day will come when that big wheel comes around and they are in the same situation and they will not like it.

If you want a negotiator for a reasonable price for my time, I will fight until there is results or your money back. Put the names of the nasty lenders and their employees and executives out into the public forum and get them noticed.

George Mandell

]]> By: Jen http://loanworkout.org/2007/08/have-you-visited-loansafeorg-yet/#comment-553 Jen Mon, 31 Mar 2008 01:47:12 +0000 http://loanworkout.org/2007/08/23/have-you-visited-loansafeorg-yet/#comment-553 We started working with the workout department in November as our ARM was again increasing in December and we knew we could not make the new payments. Our original loan officer put us in the ARM and then said that we would have no problems refinancing in a year. Well the year came and went and out rate has adjusted 3 times since then. Our taxes and insurance are not included in the loan either. So since we started working with the workout department, which we thought was a blessing at the time, has turned out to be a nightmare. I have been calling weekly since the 26th of November, turning in all required documentation and answering all questions. We barely get by paying the new payment in December, they tell us this process takes about 30-45 days. Here comes January, no update on the account "We're still working on it", we call and say we cannot make January's payment in full, they say no problem, we'll notate the account, won't count against you. February, everythings fine, yada yada, oh wait, they don't have 65% of the documentation that I originally sent in, and all of the financial information is completely incorrect and no one can tell me why they are just now figuring this out. Oh and by the way, where's January's payment, we just reported it late against your credit, so sorry, this isn't a guaranteed thing and you need to now make both January and February. Did we mention that they disable all of your payment options except Western Union and mailing it in once you get into this program, as they don't want you to make payments and change the numbers they are working with...... Now we are into March, now supposedly they are waiting on verification that we paid our taxes and they refused to take our receipt until the 20th. They waited for the verification for over 30 days, oops sorry again. Oh and even though we have been waiting well over 100 days all they can say is that they are busy. And now they won't take partial payments, took 2 weeks to get the full payment they had sitting in a partial account to be applied. Credit score is dropping rapidly. But we finally got to talk to the negotiator who said that she would be calling on Friday the 28th to make sure everything is in order before she submits to management for approval. (Did I mention it took 2months for her to call us after we were supposedly escalated 3 times) Friday the 28th at lunch time we get a certified letter from COuntrywide stating that they will begin foreclosure preparations if we do not pay the 2 months that we are behind, along with the late fees and other non-descript charges they ahve on there. I call up mad as hell, but trying to be patient. The rep tells us that there is an update to our account as of 10 am on the 28th. It says loan modification cancelled. Client ineligable due to investors interest. So our options, try to come up with 3.5 months payments in less then 30 days and be completely screwed when the rate adjusts again in June, or have our home forclosed.... We started working with the workout department in November as our ARM was again increasing in December and we knew we could not make the new payments. Our original loan officer put us in the ARM and then said that we would have no problems refinancing in a year. Well the year came and went and out rate has adjusted 3 times since then. Our taxes and insurance are not included in the loan either. So since we started working with the workout department, which we thought was a blessing at the time, has turned out to be a nightmare. I have been calling weekly since the 26th of November, turning in all required documentation and answering all questions. We barely get by paying the new payment in December, they tell us this process takes about 30-45 days. Here comes January, no update on the account “We’re still working on it”, we call and say we cannot make January’s payment in full, they say no problem, we’ll notate the account, won’t count against you. February, everythings fine, yada yada, oh wait, they don’t have 65% of the documentation that I originally sent in, and all of the financial information is completely incorrect and no one can tell me why they are just now figuring this out. Oh and by the way, where’s January’s payment, we just reported it late against your credit, so sorry, this isn’t a guaranteed thing and you need to now make both January and February. Did we mention that they disable all of your payment options except Western Union and mailing it in once you get into this program, as they don’t want you to make payments and change the numbers they are working with……
Now we are into March, now supposedly they are waiting on verification that we paid our taxes and they refused to take our receipt until the 20th. They waited for the verification for over 30 days, oops sorry again. Oh and even though we have been waiting well over 100 days all they can say is that they are busy. And now they won’t take partial payments, took 2 weeks to get the full payment they had sitting in a partial account to be applied. Credit score is dropping rapidly. But we finally got to talk to the negotiator who said that she would be calling on Friday the 28th to make sure everything is in order before she submits to management for approval. (Did I mention it took 2months for her to call us after we were supposedly escalated 3 times)
Friday the 28th at lunch time we get a certified letter from COuntrywide stating that they will begin foreclosure preparations if we do not pay the 2 months that we are behind, along with the late fees and other non-descript charges they ahve on there. I call up mad as hell, but trying to be patient. The rep tells us that there is an update to our account as of 10 am on the 28th. It says loan modification cancelled. Client ineligable due to investors interest.
So our options, try to come up with 3.5 months payments in less then 30 days and be completely screwed when the rate adjusts again in June, or have our home forclosed….

]]> By: dale http://loanworkout.org/2007/08/have-you-visited-loansafeorg-yet/#comment-551 dale Tue, 25 Mar 2008 02:50:26 +0000 http://loanworkout.org/2007/08/23/have-you-visited-loansafeorg-yet/#comment-551 Hi i bought my home two years ago on a two year arm with the hope to refinance but you know the story. Now im three months behind and am working with the workout dept at countrywide. after three months of running in circles for the negoiator they have oftered me a deal they want to put my past due 3700 and my taxes of 4000 to the end of the loan but they did not bring my intrest rate back to the origonal 8.8 insted they left it at the new rate of 11.8 so now my new payment is going to be 600 more than the payment i couldnt make before no my monthly income has increased about 350.00. the last person i talked to in the workout dept said i should turn down the modification and ask for 8.8 for 5 years and to put the other at the end of the loan. I just dont know what to do im scared if i wait another 3 months i will be homeless please give me your opinion. LOST IN FLORIDA Hi i bought my home two years ago on a two year arm with the hope to refinance but you know the story. Now im three months behind and am working with the workout dept at countrywide. after three months of running in circles for the negoiator they have oftered me a deal they want to put my past due 3700 and my taxes of 4000 to the end of the loan but they did not bring my intrest rate back to the origonal 8.8 insted they left it at the new rate of 11.8 so now my new payment is going to be 600 more than the payment i couldnt make before no my monthly income has increased about 350.00. the last person i talked to in the workout dept said i should turn down the modification and ask for 8.8 for 5 years and to put the other at the end of the loan. I just dont know what to do im scared if i wait another 3 months i will be homeless please give me your opinion. LOST IN FLORIDA

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]]> By: Moe http://loanworkout.org/2007/08/have-you-visited-loansafeorg-yet/#comment-547 Moe Fri, 05 Oct 2007 01:08:21 +0000 http://loanworkout.org/2007/08/23/have-you-visited-loansafeorg-yet/#comment-547 cool <img src="http://loanworkout.org/emoticons/smile.png" border="0" /> cool

]]> By: Moe http://loanworkout.org/2007/08/have-you-visited-loansafeorg-yet/#comment-546 Moe Fri, 05 Oct 2007 01:06:52 +0000 http://loanworkout.org/2007/08/23/have-you-visited-loansafeorg-yet/#comment-546 Hey JWL!<BR><BR>Make sure you get the life of the loan figures so you know exactly what they are charging you for this workout. A non-profit counselor just gave me that tip.<BR><BR>Best of Luck!<BR><BR>Moe Hey JWL!

Make sure you get the life of the loan figures so you know exactly what they are charging you for this workout. A non-profit counselor just gave me that tip.

Best of Luck!

Moe

]]> By: JWL http://loanworkout.org/2007/08/have-you-visited-loansafeorg-yet/#comment-545 JWL Thu, 04 Oct 2007 05:22:12 +0000 http://loanworkout.org/2007/08/23/have-you-visited-loansafeorg-yet/#comment-545 Also, fyi......I got a direct number for the "HOPE" department at Countrywide. 877-744-7691. Also, fyi……I got a direct number for the “HOPE” department at Countrywide. 877-744-7691.

]]> By: JWL http://loanworkout.org/2007/08/have-you-visited-loansafeorg-yet/#comment-544 JWL Thu, 04 Oct 2007 05:19:09 +0000 http://loanworkout.org/2007/08/23/have-you-visited-loansafeorg-yet/#comment-544 JWL wrote:<br />I just called the 888-995-HOPE about Countrywide. I have a first mortgage with a great rate and a equity line with an adjustable rate that is terrible. The equity line is killing me and making it difficult to manage my payments. Both my loans are with Countrywide. The Advisor at 888-995-HOPE told me that they would contact Countrywide on my behalf and advise them of my situation. He instructed me to wait a day and call to try and workout a modification on the line of credit. I'll let you know how it works out.<br /><br />Update. I've called Countrywide and finally got through. A nice agent took my information down and said that she would froward it to the "HOPE" department and they would get back to me. She stated that it probably would be an addition of the missed payments to the principal on my mortgage and then my payments would go up slightly. Yeah.. Don't think that's going to help. I'll update when I get a call from them. JWL wrote:
I just called the 888-995-HOPE about Countrywide. I have a first mortgage with a great rate and a equity line with an adjustable rate that is terrible. The equity line is killing me and making it difficult to manage my payments. Both my loans are with Countrywide. The Advisor at 888-995-HOPE told me that they would contact Countrywide on my behalf and advise them of my situation. He instructed me to wait a day and call to try and workout a modification on the line of credit. I’ll let you know how it works out.

Update. I’ve called Countrywide and finally got through. A nice agent took my information down and said that she would froward it to the “HOPE” department and they would get back to me. She stated that it probably would be an addition of the missed payments to the principal on my mortgage and then my payments would go up slightly. Yeah.. Don’t think that’s going to help. I’ll update when I get a call from them.

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