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Mark of Running Springs, CA March 30, 2009
my wife has been laid off for a year and i had my hours cut. we have been working on a loan modification with wamu since nov 08 with no help from them. we are now 4 months behind and are still getting denied and the run around. we have no money for food and have been eating oatmeal. does anyone know where we can get some assistance to move out into an appartment in another state. I had perfect credit and now its ruined. this is so sad but i cant fight anymore. I just want to leave the house and move on. why drag this devistation on any longer.
dont have any choice but to walk away from my home with no money for a place to live or even eat. I obviously cant afford an attorney.
Sally of Mount Morris, MI March 27, 2009
I was layed off 08-08-2008. With the loss of over half of my pay I just keep going behind in my bill. I called wamu/chase starting in jan and i'm still fighting with them for help.thay ask me to send information 4 times now, sometimes the samething.Thay tell me everytime thats all thay need,and then want more.I'm givin 10 days to get everything to them each time or thay will drop /close my case and i'll have to start over. thay take forever and I think thay do this in hopes that people will get tired and give up.
well i'm not asking for help for no good reson,I need help and need it now.I have never been late in 11 years or defaulted on a payment and this is how thay help me out. now i know why there is so many foreclosure, wouldn't you think helping me out a little would be better then me giving them the house back and them losing a lot of money?? I'v also been told if i havent missed a payment thay can't help,that i just don't understand. why not help befor its to late. I have read other people storyes and it seem that there are alot of me's out there that wamu/chase don't want to help.
Right now i dont have any damage,but i'm rally upset and emotionally i'm getting really tired of dealing with all of it. I did'nt ask to be layed off, I really loved my job and wish i was still working there.I hate to ask for help, and this is why!!!!!
Regina T Lacroce of Carmel, CA March 24, 2009
I began by trying to work with the local mortgage department in Carmel CA when my exhusband divorced me and took my cash and equity. I just needed a little loan modification until I could get back on my feet. I dealt with Carolyn D in the local office. She strung me along until I asked for the new JP Morgan Chase program that was to help home owners modify their mortgage. I faxed documents to WAMU Dec 9 2008 for a loan modification. I re-faxed the same info, per Shelly's request at WAMU on March 14th, and on March 14th in the evening I refaxed updated docs per Greg's request.
I have asked for Doreen M to call me about my status, she is the reviewer. I am trying to avoid default by being on the offense verses defense. I have no other debt but my home loan and equity loan. I have excellent credit. All I want is to have a dialog with the reviewer, if they can't help me they should just tell me so I can make other arrangements. I am being forced to go into default when this could have been avoided.
I am being forced to go into foreclosure, to lose my good credit rating, and I am suffering emotional stress since I am not being given the time and respect that I need to work out my problem with the bank. I am a pawn in their game, they just want to string me a long for as long as they can. They never inteded to help me. Once I go into default then I will be worth their time, but for now they are cheating the law by their bad behavior. I am being responsible and trying to work it out with the bank but they are truly unwilling to meet me unless I first go into default.
Angela of Ypsilanti, MI March 21, 2009
I had a loan modification right through my mortgage company last Sept, Washington Mutual (WAMU). I hadn't missed or been late with payments, but I was looking at falling behind because I was spending thousands in medical care for a newly diagnosed incurable chronic illness. I thought the modification was the answer to my prayers.
I paid my payments every month, and received a letter at the end of January saying I was several payments behind. Shortly after my modification WAMU was bought by CHASE. I called WAMU, who is still handling the loan, and figured it was a simple error. They hadn't credited one payment to my account. It is now March, I have not missed or been 30 days with a payment since I've owned the home for 11.5 years, but apparently my house is now going to foreclosure, because they are still not crediting my payments.
I have continued to make the payments, have called WAMU repeatedly, & no one will straighten this out. I have the documentation for the modification, monthly statements, payments deducted from my bank account, yet my house is going to be taken? I can't afford an attorney to battle this, so I sent copies of all my documentation to 3 local news stations & ABC World News praying someone will pick up this story. I have received one back with a couple of phone numbers, and have yet to hear from the other 3.
I am too sick, too tired, and too broke to fight. If one of these news stations don't pick this up, I have no idea what to do, other than continue my payments, and attend the foreclosure hearing, if I even know about it. Present all of my documentation to the judge and hope for the best. I have filed a complaint with the BBB, but I am sure they have a lot of complaints, & are probably not answering them because they have a D rating. I happen to be in a mortgage nightmare through no fault of my own, and can't seem to get out of it. Stress is no good for my health condition, and I am nearing the point of walking away to save myself rather than my home
I am spending the little energy I have trying to save my home. This is detrimental to my health. I have spent money making copies of all documentation as well as postage, that I can't afford to be spending. This is making a serious negative impact on my credit. Carolyn of Poway, CA March 21, 2009
WA MU has foreclosed on our property 2 times when we were in negoations with their loss medigation department. I have been working with them for 12 months to get a modification agreement on 2 residences, something that should have taken 30 to 60 days at the most. One was completed finally in Oct. 2008, the other one they kept coming back with denial and asking again for update financial information. I have provided this to them 3 times along with a hardship letter, of which I really don't think anyone reads or cares about.
I was laid off work in 2006, my husband has had 4 strokes and is on diability and unable to work. I finally started working in July 2007 full time and then in Nov. 2007, had to go part time as I work in a business that is related to the real estate market. In Jan. 2008 we started delivering newspapers to make extra and did that for about 6 months until I was hired back full time.
In Sept. 2008, they forclosed on the house we live in when we were in negotiations with their loss medigation department. The foreclosure was recinded in Oct. 2008 and then we continued with the loss medigation department. Thank goodness we had hired an attorney to work with us, as WA MU is ruthless to work with on your own. We were offered a modification in Feb. 2009 for this property, with a very high (downpayment) whatever that means in thier mind. We were offered this at 3pm PST and had to give them an answer by 5pm EST. Well we all know that is not possible considering the time difference. We notified them that we would not take the modification and were informed as well as my attorney that we could reapply in 30 days for another modification. This was also when the great Obama stimulas plan had just come out and we wanted to see what difference that would have on the situation. Well it didn't have any!
So I called WA MU on March 19, 2009 to ask for a new modification package to get this rolling again, and was politely told that the property was sold back to the lender on March 2, 2009 and there was nothing we could do! Once again, with in the WA MU structure, the right hand does not know what the left hand is doing. My husband and I are not of the group that bought over our heads, this property was inherited and do to circumstances beyond our control, we have ended up where we are. We are both in our 60's, have worked hard all our lives to be homeowners, and should not be facing this type of financial disaster that we have in front of us. This last sale was done in 5 days, no mailing, no publishing and no posting! Go figure how this lender gets away with this type of action. How can they treat their customers this way? If we all ran our businesses like they run theirs, we would not have any customers.
Hector of Hialeah, FL March 20, 2009
Washington Mutual keeps calling my mother about a mortgage in my brother's name, they want to speak to him, they want to know who will pay the mortgage. He has been dead since July 25, 2005. He did not own a home and lived in an apartment. I can only assume that they are looking for some other HENRY. My mother only speaks Spanish and I keep telling her to have them call me but she gets nervous because someone is calling ALL THE TIME about her dead son! Can you help us?
I have tried to call the number that registers on the caller ID, but I cannot ever get to a human being, because I don't have whatever account number they are calling about, and when I tried entering his social security number it doesn't work because he does not have an account with them. She thinks that the address that the man keeps saying is 6190 West.... but she cannot tell us the rest (she is in tears by the time they get to the rest).
My mother has cried every single time they call. Then when she stops, she calls me and cries some more. I am getting really upset with Washington Mutal and want this to stop right this minute. What do I need to do, get an act of congress to stop this? Or get an attorney and file charges for harrassment.
Peter of Hollister, CA March 20, 2009
I purchased a home for 400.000. The proprty was listed at 569k prior to my purchasing the home. WaMu is collecting taxes based the higher amount. I have tried to get them to make the change.They refuse saying that is the amount that the county has placed on the property. I have a letter from the county showing that amount of the taxes is 5020 per year. I sent the letter to WaMU. Still no change. What can i do. I have thought about just paying the p&i and paying the taxes and ins on my own.
The amount of the monthly payment is 41% of my net income
Pamela of Mchenry, IL March 20, 2009
We have WaMu (Chase) for a mortgage company I have my payments up to date. So we thought. About 14,000 later they are still telling me I'm behind. All the money I sent was placed in a holding account that made us get late fees. I went without a statement almost half of the year last year but I sent them the regular payment. My husband got a letter saying he was 3,000 behind, so he called and talked to them to find out why the payment more than doubled. We needed to catch up or the house would be foreclosed.
They let me make partial payments to get it caught up. At the beginning of this year they suddenly would not do the partial payments and sent me a check back and said I was behind even more. I sent them a hardship letter with all the required information (they asked for on their web page) they needed over a month a go. Over the weekend they sent a payment statement saying that we are a month behind again.
Every time I call I get a different person thats rude with different stories. We talked with a HUD counselor, and he was a big help. I did everything he said to do to save our home. I don't know what to do. I feel they are making it look like we are behind so we don't qualify for the mortgage help, and they ruined our credit to find a new loan company. There are six of us living in this house and I used all my money to fix the mortgage so we could stay here. I have nothing to even get an apartment. We couldn't afford it any way because my husband was recently laid off.
We are currently looking to refinance with a different company, but because of the credit issues, and WaMu pulling stunts like they did, I fear it will be almost impossible to get a decent loan
Paul of Clearlake, CA March 16, 2009
we fell behind on a payment and we asked for help we where told to send bank statement income and hardship letter we did 8-26-08 we got calls every night we told them we sent in all paperwork they inforemed us that a jennffer b was taking care of it we went on this for 4 mo we get a letter in the mail saying she will contacted us in 45 day we got the money together to caught up on are payment and still need the help we get a letter saying a payment was going up starting apirl 1 09
we called agian they are still working on it we get another letter saying we are diend because the paperwork is not current and up to date and that they changed companys and that we don't make enough income to Qiulfly for the modifcation loan please help us we don't want to lose are home we have two kids a 14 year old with sma type 2 getting ready for back surgery and a 2 year old with only 2 heart value and is getting ready for a heart surgery please find it in your heart to help us out not only are we stress on are kids we have to deal with wamu that don't want to help
Norine of Waianae, HI February 24, 2009
I don't want to lose my house. I got a forclosure notice in the mail just a few days ago. To my surprise my husband I have to pay back a 14,000 + attorney fees? Why cuz I lost my low paying full time job! We were only on 1 income. My husband did the part of the paperwork like they suggested, so we mailed in their paperwork...guess what they LOST IT. so now we didn't know what was going on until now? We sent in the papers in December. Now WaMu says we will contact you within in 30-40 days. thats too late, we would lose our house by then.
Oh, well I guess we'd have to keep calling WaMu everyday and hound on them to take action. I am not going to lose my house, not in Hawaii. I got a new job, just temp, but it's part time. By now we are trying to see how we can come up with 14,000 in a few months....unreal! We are making calls and contact anybody else we know that can help us reduce the amount, modify the mortage, cuz the amount kept going up and up and up and soon, it was getting out of hand each month. We scrimped and tried to save, but living in Hawaii is expensive and at times it was hard. I'm just scared of what will happen with our mortage? I guess we'll prabably be homeless and become another stastistic..all because of WaMu. They spent on those commercials.
I am so worried and haven't told people in my family on what's going on. Im ashamed to tell them. no one in my family has lost their home..ever! So, we get penailized just because I lost my job in September, and we knew we'd be late on the payments. But, we thought it was taken care of when we called WaMu. We had confidence that WaMu took care of things, but I guess we were wrong now they are sticking us with a forclosure.
JP Morgan has a attorney in Hawaii, so now they are not kept in the loop of things and they knew nothing about what WaMu was doing. So,I called the attorney's office and gave them some news and they are now aware that we are trying to make progress and sense of this whole mess. Is it our fault we live in Hawaii that we don't have a local office here. I tell you the next company we deal with will have a Hawaii office to help us deal with this and that we can meet people eye to eye. makes me so mad.
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