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2 years of no payments still in the house


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4 replies to this topic

#1 livingontheedge

livingontheedge
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Posted 11 May 2011 - 05:22 PM

Hello All,

Last time I made a house payment was two years ago and the bank sent it back. My mortgage was with Countrywide and was bought out by Bank Of America. During this time I have been talking to an agent about a remodification. But still nothing has happened, I have not been approved. I am beginning to wonder if they may have lost my paperwork. I am not sure how to proceed. How come they have allowed me to stay for 2 years with no payments.

I am not sure what to do. They are asking me to pay now but I am getting advice not to pay. Should I send a letter asking them to prove I owe this debt. Any advice you can give me will be most appreciated.

Thanks

I am on social security, and a woman living alone.

Living



#2 livingontheedge

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Posted 11 May 2011 - 05:49 PM


Hello All,

Last time I made a house payment was two years ago and the bank sent it back. My mortgage was with Countrywide and was bought out by Bank Of America. During this time I have been talking to an agent about a remodification. But still nothing has happened, I have not been approved. I am beginning to wonder if they may have lost my paperwork. I am not sure how to proceed. How come they have allowed me to stay for 2 years with no payments.

I am not sure what to do. They are asking me to pay now but I am getting advice not to pay. Should I send a letter asking them to prove I owe this debt. Any advice you can give me will be most appreciated.

Thanks

I am on social security, and a woman living alone.

Living



what state are u in? did u know that countrywide had a settlement? where u aware that u could get paid from that settlement? Have u spoke with an attorney with regards to your mortgage?



#3 livingontheedge

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Posted 11 May 2011 - 05:50 PM


Hello All,

Last time I made a house payment was two years ago and the bank sent it back. My mortgage was with Countrywide and was bought out by Bank Of America. During this time I have been talking to an agent about a remodification. But still nothing has happened, I have not been approved. I am beginning to wonder if they may have lost my paperwork. I am not sure how to proceed. How come they have allowed me to stay for 2 years with no payments.

I am not sure what to do. They are asking me to pay now but I am getting advice not to pay. Should I send a letter asking them to prove I owe this debt. Any advice you can give me will be most appreciated.

Thanks

I am on social security, and a woman living alone.

Living



what state are u in? did u know that countrywide had a settlement? where u aware that u could get paid from that settlement? Have u spoke with an attorney with regards to your mortgage?


I am in New Mexico, and no I was not aware about a settlement. And I have no attorney. I have heard that many banks have lost the paperwork for loans, is there anyway I can request Bank of America to show me that paperwork? What is the procedure I should follow. Please help

Edited by livingontheedge, 11 May 2011 - 05:52 PM.


#4 livingontheedge

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Posted 11 May 2011 - 06:13 PM

I am not really sure what to do. What kind of settlement? I live in New Mexico. The bank calls every month and everyone else I know has gotten a modification but nothing happens for me. They won't take my payments. I am not sure what to do

#5 crazydayz

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Posted 25 May 2011 - 07:45 PM


Hello All,

Last time I made a house payment was two years ago and the bank sent it back. My mortgage was with Countrywide and was bought out by Bank Of America. During this time I have been talking to an agent about a remodification. But still nothing has happened, I have not been approved. I am beginning to wonder if they may have lost my paperwork. I am not sure how to proceed. How come they have allowed me to stay for 2 years with no payments.

I am not sure what to do. They are asking me to pay now but I am getting advice not to pay. Should I send a letter asking them to prove I owe this debt. Any advice you can give me will be most appreciated.

Thanks

I am on social security, and a woman living alone.

Living



what state are u in? did u know that countrywide had a settlement? where u aware that u could get paid from that settlement? Have u spoke with an attorney with regards to your mortgage?



Exact same thing with us except we are not living there. We have not made a payment since Aug 2008. We filed BK7 and were discharged June 2009. There is a renter in there for the meantime. We live in FL but the house is in VA.

I would like to know about the countrywide thing too. They messed our loan up so bad while we WERE paying. Our payments were transferred out of our account and they told us we were not paying. You could see everything right on there transaction screen. No one on the phones had a clue even though it looked so simple on screen to us. It was so frustrating!

Edited by crazydayz, 25 May 2011 - 07:46 PM.





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