Profile: we3reeds
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What's Happening Now
Welcome to Regulation Room, we3reeds, and thanks for sharing your story. It sounds like you and your spouse are going through a difficult time. We suggest you contact a HUD approved housing counselor to see if they can help. The main goal of the Regulation Room is to provide useful and effective comments to the agency about the proposed rule. Do you think the new continuity of contact requirements will give borrowers in trouble the support they need?
we3reeds, it sounds like you’ve had a terrible time. Regulation Room can’t help negotiate with your servicer, but we suggest you contact either CFPB’s complaint center or a HUD approved housing counselor to see if they can help.
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I agree that would be lovely.. for the people who are just now having these issues, what about people like my husband and I who had multiple circumstances causing financial issues, we request a loan
mod. and the lender and attorney we hired said the lender will not even begin to negoiate with us until we where behind on our mortgage, something we where not. Long story short i have the proof they said it all documents covering my hiney and I am 1 year out of short sale and started the whole this in 2007 and due to all the NON-Contact and screwup’s we just finalized it Sept, 2011 our credit was perfect before and after only the one problem due to bad legal advice. We are now trying to buy a home and cannot get a loan with less than 6.7% for 20 years and we have 700 credit scores, with… more »
I have gone to 3 banks , Im told to get a good rate it has to be 2 years and i already have one gone. They wont even consider the extenuating circumstances. 25 years in law enforcement and perm disability guarnteed income and still have to wait 1 year. I need to find a company that does better than the others, its a no brainer we are a great investment.
Pass on any help you can i need it. Thanks
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Also I have stacks of documents showing they lost my paperwork , some comments are , they cannot find it , then its been given to collections, which there was no reason for that, then every other time they would misplace “lose” my documents, then switch peole and they loose it. I have the conversations where the realtor and the rep at the bank tell each other they lost my stuff , also the documentation and notes from the attorney we paid to “help” us they marked down man times that there is a hold up do to misplaced papers
What do you do when all you wanted was a loan modification and Chase would not discuss/negoiate with us until we where behind in our payments, and the attorney we hired to help us told us we had to stop making payment before they could do anything (got it in writing) And i still cant find a decent interest rate. 6.75% for 20 years just because i have 1 year left. My credit is perfect besides that Someone help me!