Mortgage Forum

Mike

First of all I am so glad that I came across this site. It has helped me to realize that I am not alone through my struggles with trying to get back on track.Our problems with countrywide began a year ago. Originally our mortgage was through a different bank and was sold to countrywide. We were always on time. Then my husband and me went through a divorce and I was here at home paying the mortgage and everything else. I fell behind by two months, then when I had the money their site wouldn't let me pay online. My husband and me got back together around that time and he called cw and they told him not to send in the payments that we would have to qualify for a work out plan. I thought this a little strange so I called and they told me the same thing. So here we are two months behind and falling further behind. After calling for about two more months they finally sent us papers for us to fill out, but they were to allow us to live in our house and pay rent. I started calling several times a day and finally went through the process to start a work out. They said I would hear from them within a week, when I didn't I called in and by the time I could actually get someone on the phone to talk to about it they told me we had been approved and were waiting on us to call them, and it had been two weeks since we were approved so the time ran out. So falling further behind on our payments. I finally talked to Brian who said to fax him my info, I faxed it to him and never heard anything back. I called in and no one seemed to know what was going on. So I call back in a go through the process again to qualify for a work out plan. So I get Dorothea Lewis as my negotiator. I finally got the right paperwork in the mail, which had to be returned in less than a week. We filled everything out, didn't have the whole amount asked for a down payment so I tried many, many times to call Dorothea and find out whether we could have the date extended or if we should go ahead and send in the paperwork without the funds. I called many times daily, I was told everytime that she wasn't signed on to their system so she wasn't there. Finally after so many calls and emails sent to her I get a call from my new negotiator Charlotte Wilson. So I tell her whats going on and she jumps on me to send in the paperwork asap. Last week I talked to her and she said that the paperwork had to be turned in by this past monday. I overnighted it and called to see if they got it and it was there Friday. When I talked to her on the phone I said we would send the funds this week. She says ok. This morning she calls me and tells me that unfortunately she cannot approve our work out because it was not there on time. See Dorothea Lewis sent us the paperwork with her address, our workout was transferred to another negotiator in the process of us sending it back in. So, Miss Lewis informs me there is nothing she can do for me. I asked her what am I supposed to do now? My house is in foreclosure time is crucial. She says call 888-219-7773 and start the process over. So I call and speak to them. Now they tell me they cannot do a work out because I still have an active workout in their system after I spend an hour with them on the phone. So she tells me she is putting a reinstatement in for me since that is her only option, the computer won't let her do anything else. I asked what this is and she says they will determine the amount you will have to pay to get your house out of foreclosure, but she wasn't able to give me even an estimated amount. Then today I come home and in my mailbox is a sale date on my house for April the 28th. Everything I have been fighting for all this time just gone. I don't want to give up this is our home. My husband wants to get boxes and start packing he's just scared they are going to tell us to get out and we won't be left with many choices. I'm sorry I know this is long but it's been a rough day. Please any help any advice :mad: