I started a loan modification process with my mortgage company in October 2009, filled out the home affordable package the Obama administration came up with "to save Americans" from losing their homes to forclosure. I believed the word of "our president" that the TRILLIONS of dollars he gave to the banks would be used to help homeowners in trouble because of the FINANCIAL CRISIS (caused by the same big banks that received the trillions) and the downturn in the economy. Well.......... after sending the paper work, then resending the paperwork, and again resending the paperwork to only have to resend the paperwork (seemed it got lost from one department to the other or perhaps thrown away or maybe the Gods of the mortgage company banished it to Hell) I don't know, Finally......I received notification via a phone call that I had been approved for a trial modification. OMG.....the weight of the world was lifted from me and I could breathe again. I started my modification Feb. 1st 2010, the third and last payment for the trial mod would be April 1st (april fool's day....coincidence????) I was told that if I made my payments on time, that after the trial I would get a permanent loan.
I made every payment on time only to receive a letter from the mortgage company that I no longer qualified for the loan mod..........What The Hell....... nothing had changed, my finances were the same,
I tried to call The woman who approved the loan, who called me and was just as joyous as I was that I got the loan mod, the very woman who said to make the payments on time and to make sure nothing about my income changed.....THE ONE WHO PROMISED ME IF I MADE THE PAYMENTS ON TIME THAT I WOULD GET THE PERMANENT LOAN........ I left messages for her, each call documented.......she was no longer available and some weeks later, there was another "loss mitagation" specialist going to help me get an "in house" loan at 5% instead of the 2% I had with the trial mod. SCAM, SCAM, SCAM..........these jerks already got more money from the government to modify the loan, then they got the three payments I made......now they were going to try another type loan to again receive another chunk from the government three more payments from me ........to what? deny me again??????
I worked and worked with this new guy to get the paperwork needed to start the loan process again, fax and refax documents, fax again and again and again and again........finally I hired a "Loan Modification Specialist" outfit out of Florida. They used me up by playing on my emotional stress and convinced me of the urgency to pay them 2000 bucks to start my modification before forclosure. They said I had a week mabe two before I would be in forclosure.......I was scammed big time. This was in August..............By October I still did not have a loan mod package from Clear Choice Financial Services. I had a woman putting together the package that continuously lost the faxes I sent, could not comprehend what I said, sent e-mails asking for the same documents over and over, (sound like the mortgage companies?) needless to say.......I am contacting the Florida Attorney Generals office to submit a fraud complaint against clear choice.
I guess pulling someone else into the chaos of the loan mod, my mortgage company sold my loan to Saxon........................OH MY GAY HELL........here we go again.
