In Underwriting and Waiting Four To Six Weeks for a Hamp

I have been excited this past few days since speaking finally with both Veronica and Colby at Bank Of America. Even though they are in two separate departments, Veronica submitted my file to the Underwriter for the HAMP. Colby is working on prepping my file for an in house loan modification. I am going to have to call what I feel anxiousness and not excitement. Since there is no promise of a modification. Veronica is very kind and prompt since getting my file and has said that it will now take from submission date 2/10 another 4 to 6 weeks to receive a response in the mail as to the outcome. I am hopeful though because Veronica said If I or she has not heard anything from the Underwriter within 24 hours of submission that usually means they do not need anything else and that is a good sign. So I will keep saying my prayers at night, and periodically throughout the day too.
Now Colby is another story. This is the guy that is supposedly working with my HUD Counselor but Veronica has not heard of him and is unaware of that department that Andre said was assigned to his HUD Counseling office specifically to expedite files. Veronica said the fax number for him is a general fax number and anything received at that fax will take another few days to be uploaded in the system. I did call Colby for an update and to make sure he has everything needed. No call back yet. With Colby though I know that Andre is on it and keeps in close contact. And Veronica said she will be call Andre tomorrow, it feels good to have these three people as contacts at least something is happening.
So I wait 4 to 6 weeks and keep an eye on the sale date so as to extend it accordingly. Thankfully I have Andre also keeping watch. He really is a blessing and does take some of the stress off of me. I know he carries the weight of his clients and that must be tough.

Bank Of America Modification Reviewers are Always "Out Of Office"

Well Colby Gilrbert did not return my call today, I did get a message at 2:40 from Sue Ericksen saying that she is "assisting Colby Gilbert with his messages but that she does not have a call back number for herself. And that Colby is out of the office today but to try to call him back on Monday." So that is what I will do.

Will Bank Of America Help Me?

In a desperate attempt to get some kind of help dealing with Bank Of America. Something I have done on several occassions an internet search for lawsuits or groups working to support homeowners. I ran across John Wriites blog

So I followed his advice and I emailed a complaint to Bank Of America's CEO @ brian.t.moynihan@bankofamerica.com I also emailed a copy to John Write @ johns-write@hotmail.com and I submitted my complaint directly on the Bank Of America complaint website. The very next day I recieved a phone call from Brian Moynihan's Assistant Alicia Parker, that is how Alicia introduced herself "The Assistant to Bank Of America's CEO". And I know she looked up my account information because she called me at work and I did not leave my work number in my complaint. Unfortunaletly she called me on the crisis line and I did not have the ability to speak with her at that time. So she said she would be available the next day when I am off work. After working out the time difference (she is in Texas 3 hours ahead) I was assured by Alicia she would be in the office late and available for my call.

I was a bit leary of this person since the call was a complete surprise and Alicia was not very professional on the phone. And I have had a recent incident at work with a collection company that started harrassing me at work on an acct. that is almost 7 years old from when I was divorced... And because I did not leave my work number for contact. So I looked her up on the internet just to calm my nerves. And Alicia showed up on LinkedIn and yes her official title according to her LinkedIn profile she is an "Account Manager at Bank Of America" So I am now excited to speak with Alicia. I did call after work but I got her voice mail and left a message for a return call. I kind of expected that I would not reach her since she had stated she would be working late. A late night call never seems to connect. Luckily I am off on Monday and I will be able to call first thing in the morning. I do hope Alicia can help me.

More Waiting As My File Gets Shuffled Around

I speak to Andre today and am told he was just noting my file. He said that he spoke to the Rep. at Bank Of America and was told my file is being asigned to "the right person" and that there should be follow up contact by either Thursday or Friday. I ask if this is typical and should I have anything to worry about? Andre assures me not to worry that this is not uncommon.I am also told that he requested an extention of the sale date 8/30. I am so tired of feeling the weight of stress. I say thank you and try to go back to my day. It is not a wonder why more people have not had heart attacks from the stress alone. Still I figure no news is good news right? At least that is what I am praying for. The reality is what kind of life can one have when their afraid to spend on anything other then the absolute essentials? Any other kind of spending comes with guilt and regret since the not knowing leaves no room for enjoyment or indulgence. I'm not saying that I want to go out and spend money on things I don't need. I don't have that problem. But I do have a hard time keeping what little savings I am able to manage to save in the bank. Like this past week. My water heater broke so there goes several hundred dollars. And you can't even be sure you get to keep the house your putting money into! You can't take any chances this modification could go on for several more months so you do what you have to and replace it. Then the tags for the vehical that gets you to work and back are due. Yes it's a few hundred more. And before you know it your back down to $40 bucks in the bank. And up goes the stress as your diminished savings was at least a little comfort. Now there is no comfort. If I had my mortgage to pay at least I would be comforted knowing my mortgage is paid and I could borrow to cover the rest. But at this rate nope not a chance.