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 Niicss
Joined: 03 Oct 2005
Posts: 1047
156.17 Dollars($)
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 Posted: Wed May 14, 2008 11:52 pm Post subject: |
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Welcome back progers.
You can surely play it in the court to prove that you have contacted the loss mitigation department and requested for the repayment plan but they have not helped you. By the way have you consulted with any lawyer yet? If not do it ASAP.
Hope it helps.
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Good is the Enemy of Great. |
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Samantha
Community Mentor
Joined: 16 Sep 2005
Posts: 1509
Location: MASSACHUSETTS
131.42 Dollars($)
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| Posted: Thu May 15, 2008 4:57 am Post subject: RE: breach letter - what it means |
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Hi progers,
If you have received the Breach Letter, it means that the lender is ready to work out a repayment plan with you. It's not that you have to pay the full amount - may be the lender will offer you a separate repayment plan or loan modification. I think you should talk to the lender asap.
| Quote: | | the calls at my company are recorded and I have pulled the recorded conversation from March when I called and asked for Loss Mitigation to advise them of my auto problems and ask for a repayment plan. |
It's good that you ahve recorded the calls. But I'm not sure whether they allow to play the recording in court.
Hope this helps...
God bless you.
Samantha
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Guest
0.10 Dollars($)
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| Posted: Thu May 15, 2008 8:05 am Post subject: |
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| Wow its great you have recorded conversations at work because she definatley misled you. Have you attempted to contact the loss mitigation department again? |
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cliff
Community Experts
Joined: 05 May 2008
Posts: 292
Location: Houston
65.56 Dollars($)
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| Posted: Thu May 15, 2008 8:13 am Post subject: |
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| Sorry last two post where from me. |
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lisascherzer
Joined: 04 Jan 2008
Posts: 749
0.10 Dollars($)
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| Posted: Fri May 23, 2008 9:23 pm Post subject: |
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I would suggest that you demand to talk to another rep or a supervisor there to get something worked out.
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progers
Guest
0.10 Dollars($)
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| Posted: Sun May 25, 2008 3:33 pm Post subject: unccoperative lender |
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| I have had two HUD Housing Counselors working on this and they have not helped. I have been requesting a repayment plan for close to 90 days. My current HHC was in the midst of trying to get me a repayment plan in the last 2 weeks has been in contact with this rep and he has STILL submitted a foreclosure to the court. Also the amount has increased about $3000. $1500-2300 to $5300. Yes... I have called an Attorney. I have researched and found this bank has close to 100 complaints at our Attorney Generals office regarding mortgage servicing. Mostly, misrepresentation, failure to disclose and as in my case-prematurely launching foreclose proceedings. I am also filing a complaint against them at the Attorney Generals Office. |
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larry
Joined: 27 Jun 2007
Posts: 3328
473.40 Dollars($)
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| Posted: Mon May 26, 2008 2:58 am Post subject: |
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Hi progers,
If you think that your lender has misled you, then you can surely file complaint at the Attorney Generals Office. BTW it is good that you are taking help from an attorney.
I don't understand if you are requesting your lender for a repayment plan then why is he foreclosing? It will not help him either. I think if he is foreclosing then you can avoid it by filing bankruptcy chapter 13. you should consult about it with your attorney.
Hope this will help. Keep us posted 
Best of luck,
Larry |
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pwillis86
Joined: 27 May 2008
Posts: 2
1.54 Dollars($)
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| Posted: Tue May 27, 2008 6:45 am Post subject: |
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In this instance you should certainly look to file an official complaint with the local authority. The lender should be open to a discussion on a repayment plan, and by not doing so it would seem they are acting unlawfully.
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larry
Joined: 27 Jun 2007
Posts: 3328
473.40 Dollars($)
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| Posted: Wed May 28, 2008 2:07 am Post subject: |
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Hi pwillis,
Welcome to the forum.
Good suggestions. Why don't you say something about yourself and let the community know about yourself at http://www.mortgagefit.com/introduce-yourself.html
Hope you will enjoy participating and helping people out on the forums.
Best of luck,
Larry |
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