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Ditech is screwing his credit until his defaulted 2nd mortgage (charge off) falls off Transunion and Equifax in early 2019. With a letter from HSBC (original lender) claiming that this debt was satisfied Deed-in-lieu of Foreclosure, is there any case here to get this removed from his credit?

In our attempts to challenge the credit reporting, we requested debt validation from HSBC online fast cash loans and Ditech via CFPB claims as well as credit reporting disputes. HSBC wrote urgent cash 1 hour loans no employment verification a letter that claimed they were unable to provide the requested documents with regards to the loan (and neither can Ditech) because:....

HSBC has determined the request was submitted more than one year after the loan was satisfied through a Deed-in-lieu of Foreclosure... The first and second mortgage used to be with HSBC Decision One Mortgage. There is no deed of trust or assignment filed with the county.

There has only been activity on the first mortgage, which was a foreclosure proceeding in 2014 that was eventually resolved. Ditech refuses to settle for anything less than the original loan amount, but how can we be so sure that urgent cash they really have the authority to demand repayment in the 1st place?

No Deed-in-lieu of Foreclosure is recorded either!!!

I would believe that the HSBC claim that it was satisfied via a deed in lieu of foreclosure was a mistake and why there is nothing recorded. You would have to come to a formal agreement with HSBC and then sign a DIL with a notary. The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney.

Please Read our I would believe that the HSBC claim that it was satisfied via a deed in lieu of foreclosure was a mistake and why there is nothing recorded. You would have to come to a formal agreement with HSBC and then sign a DIL with a notary. Despite condition made over the phone, the settlement letter has closing and wire instructions for title. Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. I purchased my house in 2007 with Countrywide being the loan people.

After the whole Countrywide disaster, BofA became the people I pay my mortgage to. I lost all hope in all aspects of my life and I let it all go.

He told me that I can re-file with another lawyer (a lady). I called my BK lawyer and he was preparing the motion to stay the automatic stay. I received a unlawful detainer from the attorneys for Freddie Mac to get out. I just want to buy time to file a wrongful foreclosure case 1st.

I see on paperwork that there is misapplied funds to BofA that SLS never accounted for.

I see names on the notice of default that still says Countrywide and other people.... I know I have urgent cash something here, even if the BK screw up isnt my defense. I purchased my house in 2007 with Countrywide being the loan people. After the whole Countrywide disaster, BofA became the people I pay my mortgage to. I lost all hope in all aspects of my life and I let it all go.

He told me that I can re-file with another lawyer (a lady). I called my BK lawyer and he was preparing the motion to urgent cash stay the automatic stay. I received a unlawful detainer from the attorneys for Freddie Mac to get out.

I urgent cash just want to buy time to file a wrongful foreclosure case 1st.

I see on paperwork that there is misapplied funds to BofA that SLS never accounted for. I see names on the notice of default that still says Countrywide and other people....

I know I have something here, even if the BK screw up isnt my defense. Chapter 13 is usually filed because you have assets or equity in your home. Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. Green Tree is apparently allowed to do what ever it wants and there appears to be nobody, and no agency willing to help. NW Justice project apparently does not get involved with civil lawsuits. WA state attorney general makes it very clear they are not here to help with individual complaints. GT keeps changing the terms of the modifications, keeps changing the numbers, making new excuses for the adding to the balance and MHA help escalation team (They oversee the HAMP program for treasury dept) just keeps eating it up. MHA help team needs me to send them every document I reference numbers, and information from, but GT just tells them the days BS over the phone and MHA help take it as gospel even though it keeps changing and they keep getting proven wrong.

The guy at MHA help pissed me off so bad today that I destroyed my phone because instead of telling him what I really thought I just threw it.

He was unhappy that I was getting upset at his constantly talking over me, in his attempts to change the subject to interest rate cascade and stuff like that when that has nothing to do with my complaints.

Almost two months after filing the complaint the only response they have received from GT was one sentence saying they need more time. The victim will not be informed of any action taken (If any is) unless it is a public action like a lawsuit. Only if a specific company receives enough of the same complaints will they consider taking any action at all. And again, unless it is a public legal action, they will not share with the victim. GT has got to be the worst servicer (other than HSBC) to work with on a loan mod. Have you reached out to the Loan Mod Help Center to see if they can assist you with this and help get the original terms back in play? His firm also works closely with a foreclosure defense attorney who may be willing to take on your case, you can contact him directly: The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or payday loans amarillo tx problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer MHA Help has the power to force them to conduct these HAMP mods by the rules, and in fact that is supposed to be their job. I would have thought one of the rules would be requiring the use of legitimate, reasonably accurate figures and terms.

How do you service a loan if you are unaware of the terms? How can you modify a loan if you are unaware of investor requirements?

The first two mods were signed, and notarized by GT. It has us paying for 36 more years, then owing more as a final payment (Between the deferred peincipal and balloon payment) than we owed as our principle balance in June before these mods took effect. How do you service a loan if you are unaware of the terms? How can you modify a loan if you are unaware of investor requirements? I agree, GT comes up with ridiculous excuses to deny modifications and the first thing they should do is verify who the investor is and what can be done on the account based off that information.

The MHA help team can be very knowledgeable and knows the ins and outs of HAMP, but they too have little power (if any) over your servicer and cannot force them to change the terms of the modification.


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Hopefully Michael and his team can help bring you some clarity and the terms you truly deserve!

The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with urgent cash respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Just a quick update to the saga. Since the last post, MHA Help Team closed, then reopened the case after I was able the convince the supervisor to look at the documents in order, instead if skipping ahead to the latest statement and trying to convince me everything was good. I also convinced a manager in Loss Mitigation to take an interest and after asking for patience while he reviewed all the documents and eventually admitted they had been double billing and piling on all the past due amounts, escrow, unearned fees, etc onto the amounts they added with the other modifications. I even had a lawyer send a lengthy detailed QWR requesting documentation dating back to the loan origination. The result to date is two more modification offers (5 total now), the latest one including a corrected balance amount that is actually in the right neighborhood of what it should be, and the original lower payments are back.

If this all holds true no interest payday urgent cash loans then it might be the start of a better new year.

Total scum and easy online loans no credit check yes it seems they get away with whatever they want I had to file a chapter 13 just to shut them up It was so bad being called 3 times a day and told what a loser I was for not paying up. I cant believe my loan was sold by BOA to these pukes. Remember, keep our veterans in our thoughts year round, not just on this holiday. Past due for an update, but wanted see some stability before posting it. It was acknowledged and processed fairly quickly and was a done deal by Feb. There were a few bumps like GT filing the original mod (Instead of Number 5) with the county auditors office, messing up payment due amounts, credits, etc.

The last couple of months statements contained the correct information and everyone involved appears satisfied with the results to date. At the start of last year we had been battling BofA for 4 years.

Everyone involved was so surprised we were still here after so many years.