I was shocked when I saw some had the same problem as I have with the workout dept. I tried to get anyone to help me, when I called FHA/HUD I was dumbfounded to find out my FHA paperwork that can only be filed by the lender had not been done after a year of telling them they had to fix my loan, I was not paying a dime until then. As you may have guessed Countrywide has filed the documents to foreclose on my home. When we responded we gave a brief on what had happened and that we were fighting this. We went to court, Countrywide on THE phone and I in court. As you know the plaintiff goes first. As countrywide gave the oh the home owner has not paid in 9 months. I showed the Judge my loan modification papers, the fact they were charging me P.M.I. The fact they after 16 months of knowing STILL had not filed my FHA paperwork with HUD. So I could not even get HUD help until they got the papers. The Judge was told I didn't want to loose my home, but the lender was IN VIOLATION OF HUD as well as Federal Regulations. He told the lender you have 2 weeks to call the home owner make arrangements and SUMMIT the papers. Well after 7 more months Countrywide made no effort to contact me. I informed the Judges Clerk once a month so they could document. The second time we were in court the judge who gave them a order, was not in. But he informed the Judge filling in HE wanted NOTHING done to this file. Tell Countrywide to Re-file. Well its the end of August 2009, I have court again in 3 weeks. I bought my home in Sept 2006. I stopped making my payments April 2007. While all this has destroyed my credit, stressed my household out. I know when a Judge and the bail-off remember my case after 7 months. To know Countrywide is in contempt already from the first hearing. I am pretty calm about my case. It has been hell, I have looked up books to see about infilled FHA paperwork, called everyone you have and I GOT NOTHING as well. I had to put my LOAN in order of proof of PMI, My court docs and loan docs showing I have a FHA account number, but I was smart I got the bank to admit before anything I was IN THE workout dept 30 days after we moved in our home. Trying to get the FHA resolved and lower our monthly payment. Then as they complained on the phone. I was sliding proof to the Judge proofing they were lieing.How can Countrywide NOT file my FHA paperwork STILL TO this day. The end of August 2009. I mean this is unreal. We live in a house, to afraid to make it our home because of what has happened. If anyone has any ideas or can help me Please let me know.

Please accept this letter as my official request for assistance due to hardship.

I have contacted my loan servicing provider about applying for the home stability plan however they state that the prongram details are still not available.

Unfortunately, I have ran out of time and my home has been sent for foreclosure the sale date appears to be May 21st. If I can not find a way to save my home me and my 3 children (15y & 2 eighteen month olds) will be homeless.

At the time when I purchased my home I had an 815 credit score. The reason I fell behind in my home payments is that after my return from Texas. I went into business for myself and In May 2007 my restaurant was closed due to financial and complications from my pregnancy. I gave birth to twin sons on 6/10/2007 and separated from my husband within a month of their birth. I later filed for a divorce on 8/05/2007 and all my primary sources of income were lost. I then return to work after a few weeks and due to a motorcycle accident my son Fernando Keith Rouzan fell off the Greater New Orleans Bridge and died after 5 hours of surgery on 2/09/2008. These events caused financial hardship as well as an unexplainable amount of sadness and grief.

At this time I have manage to pull my life together, returned to work and I am currently working two jobs to help maintain my household and save money. I do feel that I am ready to resume paying my house note although I can not afford to pay the back payments.

Any suggestions or help would be greatly appreciated.


Thanks,

[email protected]

I currently have a 30 yr. fixed loan with Countrywide. We purchased our home 1.5 years ago at 6.8% interest fixed FHA loan. Starting about 4 months ago we started receiving calls from their retention and collections dept wanting our monthy payment, mind you, we have never made a late payment with them nor do I ever intend to. They we would hassle me every month for my payment even though it was not late, which made us decide to do a streamline refinance with another company. During the process of the refinance, we found out that our FHA loan we thought we had does not exist. All of our paper work states that we applied for an FHA loan, we have an FHA case number on our closing paper work but in the end the FHA was never finalized with countrywide. We found out our paper work was not filed correctly with FHA and when the error was made known to Countrywide they never corrected it. We have been paying a monthy FHA insurance fee to countrywide even though we are not insured by FHA. On top of that, countrywide has sent me to every possible department and country to speak with representatives (who don't even speak english mind you) who can basically do nothing for me. I have spent several weeks trying to work this out and have gotten nowhere. What is most frustrating about the situation is that we are being denied the ability to take advantage of a lower interest rate and are forced to keep our loan with Countrywide because a clerical error by a company who just doesn't give a crap about its clients.

Also, countrywide has taken it upon itself to make deals with people who have taken out loans they cannot afford and rewarding them incredible interest rates, while people who are doing the right things, responsible for their investments and making their payments are paying for it. I think it is bad business not to mention terrible ethics.

What is there left for me to do ...Maybe we should all just stop making out mortage payments so we get treated with as much respect as the low lifes who don't take responsibility for their own actions.