Well the deadline for the HAMP ends this Christmas, so they better get their asses in gear! Same here they are requesting new docs again, it's so tiring..
over and over.. things they already have, things that have expired because they wait so long..yadda, yadda... It's pure BS!
I guess because we filed bk7 they can't go after us, Thank GOD:) yet time after time each phone call is different. Each rep has no clue and tells me "this is an attempt to collect a debt" I have to stop them and say "read the notes, I am in BK7 and this is NOT an attempt to collect a debt" Then they say, Oh I see you have been discharged and you are no longer liable for the debt but we are securing our collateral in the property... Blah blah blah... I have it all recorded, maybe I need to turn this into my attorney for violation of the auto stay as we have not been discharged yet. PNC thinks we have, we actually were for about two hours, but we had a pending violation of someone violating our auto stay by a lawsuit and my lawyer gave them a chance, they kept the case open so he let go and fired on them and won. He is now awarded attorney fees, I don't know if we will see anything, but it made him something. I'm good with that, he has helped us well over and above what we paid him.
About those fees with PNC, I think they are adding all our late payments and interest to the grand total, instead of just the principle. Call and ask, that's what I see. We have seen people coming by too taking photos, it's sickening, my kids out playing in the yard and those blood sucking vultures are out there waiting for their chance to take it. It makes me so sick, Although this house needs allot of work, it's not just a house it's our home. We built this house ourselves 15 years ago, stuffed the walls with the best insulation. Stained the tongue and groove ceilings. Designed the closet spaces. Then later did a hardscape package (that was our line of work) Our house needs much work, paint, stain, new floors, new alot of things, but right now, we are happy to just have it. We hope we can keep it and do those much needed things later.
We have no options for refinance due to the Bk and multiple FC's due to our business, so we are basically Fk'd. Excuse the language abbreviations:)
5 or 6 yrs? What forum did you read that? Oh and about that OCC complaint, I did get a response, but it said because our file was already turned over to the lawyers (on their end) their hands were tied. Bull Shit in my book. Noone is there to help us, and we asked for it early on! This is just NOT RIGHT!!! I am ready to FIGHT! They will NOT take my home from me! I will fight for it! They made me default by telling me about the loan mod requirements and then would not take a payment. They MADE ME get so far behind in my payments, I can never catch them up. They need to hire some smarter people in loss mit, as the ones there have absolutely not a clue what is going on! Nite...
Well still in limbo mode here. I was told by yet another rep that I didn't need a P&L now that my husband is working for someone else and not ourselves. Yet he is still considered self employed because he will be 1099'd at the end of the year. They have now requested once again the 4506T form as the last one is now over 90 days. They also requested his last two paycheck stubs for May & June. Still no sale date, I'm still recording each conversation I have with them so if if comes to that I can prove that they strung me along. I will go to court and fight this if I can. It's all bull. Oh and the OCC and the Government website where I filed my complaint now says I can't get their help now that they hired an attorney. My complaint was filed way prior to that. This is just not right!
We're still caught in the paperwork merry-go-round too. They finally sent us a reinstatement letter from the "lawyer" and out of $15,000+, about $5,000 are in fees that might or might not be accurate. You may or may not get a refund depending on actual costs, and you could potentially have additional fees tacked on if the estimate is too low for the legal costs! Uh, no, I'd rather take my chance with the foreclosure than to have these amounts hanging over our heads!
They send someone once a month to take pictures and see if we are still living in the house. We also had to recently send another 4506T, and pay stubs. No sale date here either. We just keep going back and forth on the paperwork. So, still stuck in limbo. I've never heard another word from the OCC complaint I made.
I doubt it will work, but dh and I are going to talk to a small town bank near us and see if they would consider refinancing our house. I doubt we will have any luck, but we have to try.
Just wanted to give you an update. I read on another forum that there are people like us who are still living in their house four and five years later - still in limbo, still sending in paperwork. I hope that they resolve all of this before the winter.