Comments on: My marriage is on the rocks & I may lose my home because of Chase Mortgage http://loanworkout.org/2009/08/my-marriage-is-on-the-rocks/ - Free Mortgage, Auto and Student loan Calculators by LoanWorkout.org Tue, 18 Oct 2011 02:57:27 +0000 hourly 1 http://wordpress.org/?v=3.1.3 By: Isacaro http://loanworkout.org/2009/08/my-marriage-is-on-the-rocks/#comment-16867 Isacaro Tue, 22 Sep 2009 02:48:16 +0000 http://loanworkout.org/?p=5343#comment-16867 Dear Mr. Sharaf: About the forensic audit, could you recomend a good software to get ?, I found couple in the internet, I just don't know how credible they may be. Could you please help me out. Dear Mr. Sharaf:

About the forensic audit, could you recomend a good software to get ?, I found couple in the internet, I just don’t know how credible they may be. Could you please help me out.

]]> By: Mr. Sharaf http://loanworkout.org/2009/08/my-marriage-is-on-the-rocks/#comment-16778 Mr. Sharaf Thu, 17 Sep 2009 04:58:03 +0000 http://loanworkout.org/?p=5343#comment-16778 My recommendation is to align yourself with an attorney or loan modification company that will start the process with a qualified written request (QWR). This essentially puts your lender on notice that you are not alone. Done properly, your lender will have to share with you all of the documents that they have in your record in a legible format. If you start to get BS like you stated above, this seems like a forensic audit should be conducted. If you never qualified for the mortgage to begin with, then this is your leverage to drive the modification home but you must conduct your interaction with your lender on a very formal basis. To your success! Mr. Sharaf My recommendation is to align yourself with an attorney or loan modification company that will start the process with a qualified written request (QWR). This essentially puts your lender on notice that you are not alone.

Done properly, your lender will have to share with you all of the documents that they have in your record in a legible format. If you start to get BS like you stated above, this seems like a forensic audit should be conducted. If you never qualified for the mortgage to begin with, then this is your leverage to drive the modification home but you must conduct your interaction with your lender on a very formal basis.

To your success!

Mr. Sharaf

]]> By: Robert http://loanworkout.org/2009/08/my-marriage-is-on-the-rocks/#comment-16770 Robert Wed, 16 Sep 2009 15:54:00 +0000 http://loanworkout.org/?p=5343#comment-16770 Chase is so unorganized, they have no idea whats going on. We have been going back and forth with them also. They told us that we didnt make enough to make the payments with a mod, when we make the same as we did before we got the loan... Hmmm how did we get accepted for the loan in the first place then? Someone must have told a lie to get us through then... After many calls to Chase they finally said oh your approved for a forbearance of $750.00 a month for 3 months trial. Sounded great until we found out it was the collections dept. trying to get money out of us by lying... So back to square one. Chase doesn't know what dept to put you too, they can't find any paperwork you send in. We overnighted all our paperwork in for $50 bucks and they have no clue were its at. It has gotten so bad that we are about to give up and look for an apartment. Now we know who to avoid when it comes to any financial choices... STAY AWAY FROM CHASE..... unless your Theodore K... Chase is so unorganized, they have no idea whats going on. We have been going back and forth with them also. They told us that we didnt make enough to make the payments with a mod, when we make the same as we did before we got the loan… Hmmm how did we get accepted for the loan in the first place then? Someone must have told a lie to get us through then… After many calls to Chase they finally said oh your approved for a forbearance of $750.00 a month for 3 months trial. Sounded great until we found out it was the collections dept. trying to get money out of us by lying… So back to square one. Chase doesn’t know what dept to put you too, they can’t find any paperwork you send in. We overnighted all our paperwork in for $50 bucks and they have no clue were its at. It has gotten so bad that we are about to give up and look for an apartment. Now we know who to avoid when it comes to any financial choices… STAY AWAY FROM CHASE….. unless your Theodore K…

]]> By: Chad http://loanworkout.org/2009/08/my-marriage-is-on-the-rocks/#comment-16319 Chad Tue, 25 Aug 2009 15:58:15 +0000 http://loanworkout.org/?p=5343#comment-16319 Hey im sorry to hear they are jerking you around they have done the same thing to me and my family. We have been fight for three months and i was just told they sent my paperwork to the escalation dept. wht the hell does that mean!! Anyways we will pray for you and your family i pray it all gets better. GOD BLESS Hey im sorry to hear they are jerking you around they have done the same thing to me and my family. We have been fight for three months and i was just told they sent my paperwork to the escalation dept. wht the hell does that mean!! Anyways we will pray for you and your family i pray it all gets better. GOD BLESS

]]> By: Jeana Reed http://loanworkout.org/2009/08/my-marriage-is-on-the-rocks/#comment-16192 Jeana Reed Mon, 17 Aug 2009 02:03:18 +0000 http://loanworkout.org/?p=5343#comment-16192 I've been dealing with Chase also, I have sent Doc now going on 6 times. I finished MHA trial mod. Chase finally called me told me I again had to do more paperwork to continue. What a joke, and misleading idiots. They have no clue on loan mods and just keep changing the guidelines now they say the system is flawed and people who qualified before do not now. I think investors and banks want to foreclose on us and then when real estate starts bouncing back which it will they own all the homes and again rich rich rich. it works always in there favor. They are not going to do loan mods unless it benefits them. Thank God our tax dollars were there to help them out. They get help and they bounce back we need help and we have to jump thru hoops and get turned down. Write to obama and tell him he needs to have banks buckle down and start writing up loan mods. I write him several times a week/ I doubt if they really care or listen but at least I feel better knowing I put my 2 cents in. good luck to you all. we need it. I’ve been dealing with Chase also, I have sent Doc now going on 6 times. I finished MHA trial mod. Chase finally called me told me I again had to do more paperwork to continue. What a joke, and misleading idiots. They have no clue on loan mods and just keep changing the guidelines now they say the system is flawed and people who qualified before do not now. I think investors and banks want to foreclose on us and then when real estate starts bouncing back which it will they own all the homes and again rich rich rich. it works always in there favor. They are not going to do loan mods unless it benefits them. Thank God our tax dollars were there to help them out. They get help and they bounce back we need help and we have to jump thru hoops and get turned down. Write to obama and tell him he needs to have banks buckle down and start writing up loan mods. I write him several times a week/ I doubt if they really care or listen but at least I feel better knowing I put my 2 cents in. good luck to you all. we need it.

]]> By: joe j http://loanworkout.org/2009/08/my-marriage-is-on-the-rocks/#comment-16191 joe j Sun, 16 Aug 2009 23:22:59 +0000 http://loanworkout.org/?p=5343#comment-16191 Chase is one of the worst companies ever. I worked for them and couldn't take it anymore...they have to be the most non-caring people at that company, especially at the top. When they took over for WAMU, customer service went out the door. They are a typical East Coast company that is very smug, could careless about it's customers much less there employees. All they care about is the true bottom line and they don't care who they have to step on to get there...If WAMU could have only held out for a few more weeks, they would have gotten TARP money, but it seems rather strange that the Chase buyout was so timely. I wish I could give you some positive news for your loan mod, but You might be better off looking for new housing arrangements and looking to rebuild your credit. Talk to a professional who knows the law and what your worst outcome could be. Good Luck & God Bless Chase is one of the worst companies ever. I worked for them and couldn’t take it anymore…they have to be the most non-caring people at that company, especially at the top. When they took over for WAMU, customer service went out the door. They are a typical East Coast company that is very smug, could careless about it’s customers much less there employees. All they care about is the true bottom line and they don’t care who they have to step on to get there…If WAMU could have only held out for a few more weeks, they would have gotten TARP money, but it seems rather strange that the Chase buyout was so timely. I wish I could give you some positive news for your loan mod, but You might be better off looking for new housing arrangements and looking to rebuild your credit. Talk to a professional who knows the law and what your worst outcome could be. Good Luck & God Bless

]]> By: T http://loanworkout.org/2009/08/my-marriage-is-on-the-rocks/#comment-16180 T Sun, 16 Aug 2009 07:56:31 +0000 http://loanworkout.org/?p=5343#comment-16180 pull the title and see who the lien holder is, i am betting its Mers Corp, and if so you should see an attorney right away. Most of the loans written in the last 7 years are security back by Mers Corp. Google "will mers be brought to justice" happy reading. pull the title and see who the lien holder is, i am betting its Mers Corp, and if so you should see an attorney right away. Most of the loans written in the last 7 years are security back by Mers Corp. Google “will mers be brought to justice” happy reading.

]]> By: Cindy Keil http://loanworkout.org/2009/08/my-marriage-is-on-the-rocks/#comment-16170 Cindy Keil Sat, 15 Aug 2009 18:58:46 +0000 http://loanworkout.org/?p=5343#comment-16170 Here are some options; Continue to call your lender every day until you reach someone who cares!! Call your local Fair Housing Agency, they have a division that assists homeowners who are facing foreclosure. They also have a list of attorney's who specialize in this arena that work pro-bono. Good Luck! Cindy Keil Realtor, CDPE Here are some options;

Continue to call your lender every day until you reach someone who cares!!
Call your local Fair Housing Agency, they have a division that assists homeowners who are facing foreclosure. They also have a list of attorney’s who specialize in this arena that work pro-bono.

Good Luck!

Cindy Keil
Realtor, CDPE

]]> By: jeffrey http://loanworkout.org/2009/08/my-marriage-is-on-the-rocks/#comment-16169 jeffrey Sat, 15 Aug 2009 18:55:48 +0000 http://loanworkout.org/?p=5343#comment-16169 Also getting screwed by chase/Wamu also! They'r horrible and non caring. Also getting screwed by chase/Wamu also! They’r horrible and non caring.

]]> By: Cindy Keil http://loanworkout.org/2009/08/my-marriage-is-on-the-rocks/#comment-16168 Cindy Keil Sat, 15 Aug 2009 18:55:35 +0000 http://loanworkout.org/?p=5343#comment-16168 Hello, Here are some options: 1. Be persistant and call everyday til you get to a manager. 2. Contact Fair Housing in your local area, they have a division that assists homeowners that are facing foreclosure. They also have attorneys that work pro-bono that specialize in this arena. Hope this information is helpful! Cindy Keil Realtor, CDPE Hello,
Here are some options:
1. Be persistant and call everyday til you get to a manager.

2. Contact Fair Housing in your local area, they have a division that assists homeowners that are facing foreclosure. They also have attorneys that work pro-bono that specialize in this arena.

Hope this information is helpful!

Cindy Keil
Realtor, CDPE

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