I need prayers and positive vibes this month... BADLY!!!! - Page 2

sasmeow · #13 4th February 2009, 11:30 PM

I called them again today, and they told me my application was still in review. This is so frustrating. This guy told me it could take up to 60 days!!!! It seems like everyone tells me something different! It makes it even more scary since no one seems to know whats going on. I just hope I get approved for this. He said that if it was still in review, they would push the sale date back. But I don't know if I trust anyone anymore. And I asked him for a number that I could call directly to talk to someone that is reviewing my case, since they send it to an outside company. He told me he could give it to me, but if I called, they would probaby delay the process on purpose since they don't like calls. WTH!!!! And another scary thing is that my mortgage company is Countrywide. I have heard only bad things about them, and I researched them online and found so many complaints. I am trying to stay positive, but it's so hard. I just hope I get that letter in the mail SOON, saying I am approved for this program. They told me to call every week, but it's not many weeks till the sale date! I will be calling again on Monday.
I wish I would have started soon, back in September, looking into more things I could have done, but I trusted Countrywide that they were going to handle this and I was going to be approved the first time. Now, it just feels too late. I just hope I get approved soon because I can't sleep, or study, or anything.

SweetCody · #14 5th February 2009, 07:15 AM

As much as it stinks, I think it may be time to call your mom. See if she will loan you the money you need to catch up on your payments and show up at the lenders with a check in hand. Nothing like cold hard cash to motivate people. I seriously doubt that the company would turn down a check that would get you free, clear and current, after all who wants more foreclosures I'm sure they have plenty of those as it is.

Sending out fresh streams of vibes to you in this difficult time.

Mama's Boys · #15 5th February 2009, 07:35 AM

Quote:

Originally Posted by SweetCody

As much as it stinks, I think it may be time to call your mom. See if she will loan you the money you need to catch up on your payments and show up at the lenders with a check in hand. Nothing like cold hard cash to motivate people. I seriously doubt that the company would turn down a check that would get you free, clear and current, after all who wants more foreclosures I'm sure they have plenty of those as it is.

Sending out fresh streams of vibes to you in this difficult time.

I completely agree. It is much better to tell her now than to wait it out and possibly have to go to her at the last minute. I'd just suck it up and tell her asap. I think she'd be more angry if you waited until the last minute.

Sending vibes and prayers to you!

My Boxer · #16 5th February 2009, 12:56 PM

Sending strength and hope that all turns out for the best for you.

EAO76 · #17 5th February 2009, 05:40 PM

Quote:

Originally Posted by SweetCody

As much as it stinks, I think it may be time to call your mom. See if she will loan you the money you need to catch up on your payments and show up at the lenders with a check in hand. Nothing like cold hard cash to motivate people. I seriously doubt that the company would turn down a check that would get you free, clear and current, after all who wants more foreclosures I'm sure they have plenty of those as it is.

Sending out fresh streams of vibes to you in this difficult time.

I agree. If there is anyway to get current than you should do it. It’s probably better to just suck it up and go to your mom then loose your house. As far as I understand the whole problem will disappear if you can get current. Also keep in mind that if you wait until foreclosure then they may not allow your mom to buy the house. The bank becomes the seller & they get to choose the buyer. You will have no control...

Call the bank and simply ask what it would take to get current and see if that would stop the foreclosure.

Murp.mm · #18 5th February 2009, 06:26 PM

I'm so very sorry to hear about your house trouble. I've helped my children out over the years maybe not in a situation like yours but nevertheless as parents we want the best for our children. We all make mistakes and sometimes the hardest thing is the asking. I commend your wanting to take care of this yourself and hopefully you will but don't forget the one who gave you life will never turn her back on you. Good Luck.

sasmeow · #19 5th February 2009, 06:38 PM

I wish I could just pay what I am behind and become current and it will stop the foreclosure, but they wouldn't let me do that!!!! I forgot to pay for 3 months, but I HAD the money! Everyone asks me how I could forget, but I did, and I can't explain it. When I called them the very first time, I asked them if I could just pay the overdue amount to become current. They said no. You have to either get approved for some program (what I am currently trying to do), or pay the loan in full (which is close to the value of my house right now). I even mailed them the 3 months of payments and they sent the checks back... that was before I knew they were starting foreclosure proceedings. I was 10 days late (by the time they procesed my check, which took forever), on the 3rd month of being late. It sucks so much. I wish they would have just taken my check! So, my mom would have to BUY my house. It's not just asking her for money, she would have to get a loan and buy my house. We have talked before about her buying my house so we could get a lower intrest rate, but she is going to kill me now, and that I let it go so far. I just hope I get approved soon. I will let you all know what they say when I call on Monday. Do you think I should ask to talk to a supervisor if they tell me it's still in reveiw?

kathysboxer · #20 6th February 2009, 04:33 AM

Here would be a shot in the dark. What if she would co-sign a loan for you to buy the house with a different bank? Can people do that? I'm not too sure. It would keep your house from selling, and get you away from that crappy bank. The loan would be in your name still, and you'd get approved because of your mom co-signing.
I will continue to pray for you.

boxmom · #21 6th February 2009, 05:05 AM

It sounds like you are tangled up in a lot of "red tape". Do you have anything in writing at this point that the forclosure process is on hold while they are reviewing it? I just can't image that they would not come to the conclusion to take the back payments, probably add some fines, and get your loan back to normal. The bank will just take it's sweet old time. With the real estate market as it is, they would lose their butt if they forclosed, most likely. In the meantime, try not to beat yourself up about this. It is something you will learn from. It took me a while to learn that stuff like this won't go away on it's own. Hang in there, and good luck.

SweetCody · #22 6th February 2009, 07:13 AM

Quote:

Originally Posted by sasmeow

Do you think I should ask to talk to a supervisor if they tell me it's still in reveiw?

YES!!!!!! I would not let up one bit. And I would continue to inform them that you have the money CASH to get your loan current today. Persistence is the key. The guy that said not to call cause that irritates people was right. If you call like crazy they will settle this all the more quickly so you will quit bothering them. My Nana, god rest, was the most annoying person. She would call places everyday. Sometimes twice a day if it was something she felt was really important. It did not take these places long to just get her stuff taken care of so she would quit calling. Annoy the hell out of them if you have to, it is worth it and who cares if they think you are an aggravating crazy lady, it will be worth it in the end. Start calling everyday, take very thorough notes while you are on the phone, get names, badge numbers whatever they have of any and everybody you speak with everyday.

Gruntsmom · #23 10th February 2009, 03:29 PM

Checking in to see how you are, and how things are going. Sending lots more positive vibes, and hope you are making some progress. Hugs

sasmeow · #24 10th February 2009, 05:09 PM

I called them again today (monday), and talked with someone that told me it was still in review. I am beating myself up right now because I didn't do more. She said that they will not extend the sale date until 24-48 hrs before it!!!!! AND, they don't HAVE to change it, even if my case is still in review!!! They tell me something different every time. I didn't even know what to say. I just froze. I am really beating myself up right now. I wish I would have said more to her. So, please keep sending those positve vibes and support for me that I have courage to ask more, and to ask to talk to a manager. I am just not good at this stuff.
I am going to ask to speak with a manager tomorrow and ask them to postpone the sale date since THEY lose my application the first time!