
Kim of Gerrardstown, WV on Oct. 16, 2010
In February 2009, my husband, Mark **, was laid off from his employment. We were already struggling financially.
In July 2009, I spoke to, EMC Mortgage customer service, Patricia about a modification on our mortgage. She give me three dates, for three months, the fifteenth of July 2009, fifteenth of August 2009 and fifteenth of September 2009 to pay monthly amount of $881.48. We paid our payments each month and in October 2009, I called EMC and spoke with Ann. She said our modification was approved and not to make any payments at this time and to check back in 2-4 weeks.
I called on 10-31-09, and talked to Travis and he told me, don't send a payment now and to call back in a week. I talked to Lachanda on 11-3-09 and she said we were approved for a modification. I called on November 7, 2009 and was told to contact Rebecca **, our negotiator, but I could never get in contact with her. I called on 11-16-2009, I talked to Dawn. She said our modification was approved and give me a phone number for Michael **. I called and was not able to get in touch with him.
I called on 11-19-09 and talked to Valerie, she give me negotiator dept, talked to Sabrina and phone disconnected. I called back and talked to Dawn and she said we were approved for modification but couldn't tell me anything else. I called 11-30-09 and was on hold for over an hour, had to hang up. I called 12-1-09 and spoke to Eljon. He give me a name, Narissa, as our negotiator. He said he would have her call me, I didn't receive her call.
I called back on 12-2-09 and talked to Eljon again and he said Tamera was our negotiator. I called on 12-4-09 and was on hold for a half hour. I called back on 12-8-09 and was told we were approved and our negotiator was Narissa. I called on 12-11-09 and talked to Sandra, was transferred to modification dept. couldn't tell me anything. I called on 12-14-09 and talked to Rinalda and was told we were approved and no changes. I called on 12-24-09 and talked to Emanuel and was told don't make any payments now, they are still making corrections.
I called on 12-29-09 and talked to Daniel, he give me phone number for Narissa and said to call her. I could not get in touch with her, I called back and talked to Susan and she said we were approved, payment due 2-1-10 and she would email to underwriting, send no payment now. I called on 1-7-10 to Narissa ** our negotiator and as usual I got the same old machine message.
I called 1-12-10 to Narissa and to another name given to me, a supervisor, Joe **, and as always, received answering machine messages. I never received any call backs ever. I called EMC on 1-12-10 and was told they would contact our negotiator, that was all they could do. I called 0n 1-19-10 and talked to Natashia and was told she would look over our file and call me back. On 1-21-10 I called and spoke to Natashia and she said she would call be back in a half hour at work today. Natashia called me back on my phone and left message on 2-1-10. Needed to talk to negotiator. Called several times during end of January and into February to talk to Narissa **, but I never was able to talk to her and she never returned my calls.
Called on 2-10-10 to EMC and was told to continue payments, still waiting on approval. I talked with negotiator finally in March 2010, and she said corrections were being made on modification. She said a program maybe we could do for five years paying only interest, but never called back. I called back in end of March and was given another negotiator. She also said corrections were being made on our modification. I called again and she said the same thing.
She told me later that we were not approved for this modification, that we had been all along told we were approved for, that it was just waiting for corrections. I called on 4-19-10 and talked to Kelly and she said negotiator or supervisor would call me back. I received no call as usual. I called 4-21-10 and talked to Karen at Chase and she said she could see approvals in our file. I called 4-23-10 and talked to Alene and was transferred to another dept that told me to resubmit for in house modification. I resubmitted thru fax my documents on 4-26-10.
I called on 6-1-10 and talked to Jamie, she said check with underwriting for review and check every 2 weeks, will receive call if can help. continue payments, same amount. I called 6-8-10, no approvals listed in file. I called on 6-15-10 and talked to Susan and she said to submit new information, and that we were not in foreclosure and we would get another modification packet in 15 days, if not to call back.
I called 7-19-10 and was told to send tax return and light bill and call back tomorrow. I called on 7-20-10 they received my papers. I called 7-30-10 and talked to Stacy and she said to call back in a few weeks, still in review. On 8-12-10, I sent notice of my hours changing to 40 hours week at work. I had to resubmit more documents thru fax on 8-17-10. I called on 8-21-10 and talked to Colette and she requested I resubmit our pay stubs for June, July and August and said our documents would expire October 1.
I faxed all documents requested on 8-23-10. I had to resubmit more documents on 8-25-10. I talked to Maricila on 9-2-10 and she said I had to resubmit, for the third time, our tax papers. I faxed them on 9-3-10. I called on 9-13-10 and was told the information was sent to underwriting. On 9-28-10, I had to fax our tax papers again. On 10-6-10, a letter was mailed to us stating that our request for federal Home Affordable Modification Program or any EMC modification programs were denied. We could either bring our account current or we have two options, short sale or deed-in-lieu of foreclosure. We want to keep our home, we build it ourselves with a few other families from the ground up. We pray that God will bless us and allow us to remain in our home.