Husband and Wife... Please Make Note Now as this will be very important as you read our saga that the ONLY person involved or associated with the home we live in is my husband. I have and did so at initial purchase as well, and When we Received a 2 mortgage for the first time in 2006, we moved in 02-1998 after initial purchase. Our value was way more then we paid but we only refinanced for what was owed and and extra 50, 000 and during this time, the home was appraised at well over 220, 000 double our purchase price. Yet we did not DIVE in for the money just a bit more than owned to make repairs and other life needs. Anyway. I his wife have been and it is recorded in our County ""disclaimer"" on both items, since day one and then again in the refinance. So therefore I have no interest in the "loans" or obligations nor rights to make or decided any and all changes on anything. This will make sense soon I promise, I just have to give you ALL the insane madness details. Sorry If I end up confusing anyone as I have been for well up to a year. Next is our lifetime movie! I will start by answering the questions I have listed then summary after... hang on it’s a roller coaster... Just Recently the also they sent us a letter saying we requested to cancel our modification so they did... WE DID NOT... and again I spoke with them on June 15, 2010 and they will not send us the paperwork from our trial payments they said we have to refile now. Also our note has never been recorded with the County Recorders Office since the last lender Universal was our lender. THere is so much to add...
1. Aurora was telling everyone to "go late" in order to start the loan mod process.
Yes they did. A women told me that "well they won't help you until you miss a payment, but don't say I told you this ok, but that's the truth, they tell you to call before and they will help and they never do" I was shocked yet polite as she seemed sincere, yet I told her we do not want to go late. This is why we were calling ahead of our layoff schedules to notify you up from and see if it came to a financial hardship how you can and would help us. Especially since we have been in our home for well over 11+ years, never late and even paid extra each month that was suppose to be added to the principal.

2. What are your late fees and penalties (mine are $40, 000 and that was BEFORE the foreclosure sale so I'm sure the amt is now higher)
Some how we got " lucky" on this one at least on the latest bill... sure that won't be, , , but it's $183.66

3. Were you delayed in getting a loan mod
YES YES YES

4. Were you ever approved
We were approved for A TRIAL period initially and they sent out the first "packet" after a few months runaround . Next we continued to call month after month to the point my husband could not take it anymore and told them they have to talk to me and explain what the hell it is they are going to do. There is more.. but trying to keep it to a minimum to at least get this to you ASAP. Then after continued BS, I finally research the HAMP and all the programs and in my search found out not only was out loan a Fannie Mae Backed Loan, But that Aurora was signed in a contract through the program to help, EVEN BEFORE THE " Go Behind waiting period " to get help. When we try months before our layoffs we heading our way... More as I said...just ask...

5. Were you denied
Then when it arrived My husband called them and they said " oh sorry that was in error" disregard it, we are still waiting for the approval from the committee" So as I stated above My hubby got tired of the lies and run around so gave me permission to talk them to at very least find out what our options are ect. Miracoulsly, They lady I was speaking to kept saying the same things you don't qualify, long story short after much arguing and myself explain to hear the laws of Mortgage, The HAMP ect, and that we will be retaining a lawyer and more choice phrase as to the wonderful help of this worthless company... right that minute, oh wait maam we can help you and she proceeded to have me tell her the info for our " mod checklist information expense etc sheet" After that They wow we were approved during the same call they we have been going for well over 7 months, just like that???? again... shocked. Not to mention the fact A: I AM NOT ON THE LOAN NOR OBLIGATED FOR IT WHAT SO EVER. 2nd: THEY MADE THIS PLAN AND NEVER SPOKE TO MY HUSBAND ONLY TO ME.. again had permission to talk about the loan and get information, not to make changes etc as I AM DISCLAIMED and I AM NOR HAVE EVER BEEN INVOLVED IN THE LOAN. Now when the trial ended... we get" what paperwork" we have none for you, but they took our payments for sure, they sent us bills for those 3 payments type 2-3 days prior to due date and mailed them after due date, even thought we were not late, but nice BS tactics to add to their bullsh!#@$ arsenal right??!! and again more to add... but when I must...

6. What was the length of time you worked on a loan mod
worked as in how?? we have been fighting ( requesting, and or notifying of the possibility of hardship) since April 2009... Still no mod still fighting...

7. Do they legally hold your Note and who was your original or "real" lender
Do not know as we cant find a recorded doc in our county for such, according to all those that are recorded it never shows it leaving Original . 10. Did you ever speak to a supervisor and what is the name
Several Several times but sadly did not keep accurate notes until the last few months on contact names... Recent one was a another shyster named... Hold on to your pants... Beverage. No kidding not exactly spelled that way but is it...

8. When you talked to loan mod reps, did you ever ask them if they knew if your house was in foreclosure or did you tell them it was in foreclosure and they didn't even know about it.
I did ask and was told no
We have never gotten that far as the only papers we received is the first plan that was "in error to disregard" per Aurora and the others we bill, and a few letter saying thanks for your or we received you paperwork but need more... yet WE NEVER RECEIVED ANYTHING~~ and called and called can called and emailed and emailed etc...Finally got one, but it was NOT the 2nd documents of which we were fulfilling our obligations as told to do for a 3 moths trial period as it got through mod process, then the run around and now, they remain it I ask for over night, nope 6 days alter and all the Supv did was reprint a new on over letterhead, literally over it and send it out dated the day we talked and said we have to fill it out again cause they don't have the papers I am talking about... YA LONGER STORY... this is summary. Oh but can for get this Huge item - did you have an adjustable loan whose interest rate DROPPED while you were on the payment plan? my answer is yes Aurora wouldn't give me my newly adjusted interest rate. If they had, my payment would have dropped $1000 from what I was paying when I asked for a loan mod! I wouldn't need their dumb payment plan. Instead they calculated I was going in arrears $700/mo while on my "trial" payment plan - the different between my original int. rate payment and my new "trial" payment. In reality, my "trial" payment was $300 higher than my current and original loan payment. I should have been credited for overages not debited for arrearages (is that a word? ha).
Thanks so much to anyone who will listen! and pass our stories along asI add all of you in mine in all my letters!
Take care and letf keep fighting!