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View Diary: What President Obama can do for the economy without Congress: Mass mortgage refinancing (93 comments)

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  •  They don't care about us but they care about the (1+ / 0-)
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    perception that they eat kittens and kick puppies, at least sorta.
    I went through two and a half years of MHA bs with Chase and happened to find the EHLP (Emergency Homeowners Loan Program) program a week before it expired on Sept. 15, 2011. I jumped through the hoops as I had been doing and lo and behold was approved.
    This ended me in the MHA plan with the bank, as they said I couldn't be in two programs at the same time. I went back into rotation and the daily collection calls resumed. I could not get any sort of connection between anyone at the bank and HUD. The government programs are so backed up that everything is in slow motion; the word is this help will actually start paying out in March.
    The banks are so disorganized, no one has a clue each time you talk to them it's a new story.
    I got the dots connected with these people and now the bank is all excited about wanting to offer me some help. This was before I advised them I had the gov't program; it seems there is the Twilight Zone of loan modification while the bank waits on the gov't to drop some dollars.
    Being an old hand at dealing with the bullshit, you might try re-approaching BOA and googling help with mortgages or calling HUD directly on the help line. The banks are experiencing real pressure to find middle ground and not foreclose.
    Yay Occupy for getting the focus on jobs and foreclosures and off the deficit bullshit. Screw the MSM for following the shiny objects so much of the time.

    Occupy your mind. - No better friend, no worse enemy.

    by Thousandwatts on Tue Jan 10, 2012 at 01:29:36 PM PST

    [ Parent ]

    •  Thanks.... (1+ / 0-)
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      I entered mediation with B of A lawyers for a record setting 3 times.  The foreclosure mill lawyer was not prepared the first 2 times.  After the 3rd court appearence, B of A offered to lower my mortgage payment by a whopping $30.  Yes, Thirty.

      My lawyer was livid and I have just been numbed into submission until Occupy woke me up.

      The house was originally purchased through Countrywide.  A modest 3 bedroom, 1600 sq ft for 159K.
      We had 8 clean years of paying everything on time then I lost my job, got a new one in 3 weeks but 4 hours away.  Then my wife lost hers.  I just wanted a modification until we were able to get back on track.

      The house has been in foreclosure for almost 3 years now.

      My attorney is doing everything he can to get B of A into court, in front of a judge.

      We will see what happens?

      B of A can have the house with its need of a new deck and roof.  Unless they offer a modification or refi, I will let them have the keys.  Bastards.

      Their CEO will make more in bonus money this year then I will make in a combined lifetime of cancer research.  Where is the justice in that?


      •  Well you (unfortunately) win the "most awful" (0+ / 0-)

        nightmare modification struggle story!
        Good luck- hope your lawyer rips them a new one.
        Occupy is definitely changing the game it seems to me.
        Like a kitchen light on cockroaches.

        Take care.

        Occupy your mind. - No better friend, no worse enemy.

        by Thousandwatts on Thu Jan 12, 2012 at 11:33:25 AM PST

        [ Parent ]

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