Avoid Foreclosure with Chase
November 7, 2010 My mortgage was with CHASE Home Finance LLC. I love my home and planned on living here until the day that I die. I had made all of my payments on time and was not behind when I first applied for the making homes affordable program. I first applied for the making homes affordable program in July 2009 after the sudden death of my Mother whom I was taking care of for many years. I knew that making ends meet was going to be rough for a while and thought that Obama’s program sounded perfect. I sent application and ALL necessary paperwork via priority mail on July 27, 2009. On July 30, 2009 I called CHASE I was told they had received my paperwork and everything was in order and being forwarded to the department for review. On August 4, 2009 I phoned CHASE again and was told that my case was being processed and reviewed and that I will get approval in 30-60 days. On September 25, 2009 I received a default letter and called chase immediately to find out what was going on. I was told that I needed to re-send everything because several documents went missing. That same day I faxed all paperwork again and received phone confirmation to verify they had received my fax and had all necessary paperwork. I was told the paperwork was being forwarded to department for review and to expect an approval letter within 30-60 days. On October 13 I received a forbearance plan agreement for someone located in Tennessee! It had my name on it but had a different loan number and not my address!! I immediately call CHASE and asked what was going on. They couldn’t explain how and why I was mailed someone else’s paperwork and told me that I would have to re-send everything again. I was not happy about this but re-sent everything once again. Again I received phone confirmation that all necessary paperwork was received and being forwarded for review. On November 3, 2009 I called CHASE to find out what was going on. I was told that there was no record in computer of my documents being sent for review. I didn’t not understand how this could be true! I explained my situation and did not get any explanation as to how this could happen. I was told that if I wanted to keep my home I would have to re-apply and re-send all necessary documents. So I did. I sent everything by fax. I received phone confirmation that documents were received and being forwarded for review. On December 10, 2009 I had to re-send everything for the 5th time. This time I updated my financials, wrote another hardship letter, sent newer bank statements etc. Again I received phone confirmation that everything needed was received… I was told that CHASE was aware of problems dealing with customer paperwork and was working to improve their program overall. On January 11, 2010 I still had not received any paperwork from CHASE and was in constant worry so I called CHASE. This time I spoke to a nasty lady named Judy who told me that the only documents that they had received were from last July, that they had sent me several requests for further documentation and had not received necessary paperwork from me so foreclosure on my home had started and a sale date of 5/10/10!!!!!!!!! I was flabbergasted to say the least. I attempted to tell her that her records were wrong and told her how many times I re-sent paperwork, who I spoke to since July, and that I never once received ANY kind of paperwork from them. She told me that there was nothing left for me to do - that I had lost my house and that was that!! In tears I begged her to help me. She put me on hold for over 10 minutes and when she returned she said that she got special approval for a forbearance plan - the only way that I could save my home. She hurriedly explained the plan to me and said that once I signed and returned the agreement the auction/sale would be postponed/cancelled and my home out of foreclosure. I received the paperwork and immediately signed, faxed and mailed to back to Chase. I made each payment early by western union. I called after sending payments to make sure they got each payment, to check the status of my home, and ask when I would receive further information. Each time I was told that payment was received, I was in no danger of loosing my home, my home was not in foreclosure, there was no auction date set, and I should get further information in the mail before final payment due date. On April 10, 2010 I phoned to find out why I had not received further instructions, to ask whether or not I should keep making payments, and to check the status of my application for modification. I was told that everything was in order, not to continue with payments, that I had completed payments for forbearance plan, not to worry, and wait for further instructions. On May 10, 2010 I called and was told that my case had been scratched, that there was NO record of my forbearance plan agreement, no record of my payments, no record of my applications and documents for modification program, and that they DIDN’T know that I wanted to keep my home.!!! Once again I was in shock to say the least. I asked to speak with the manager and put on hold for over 10 minutes. The next person claimed to be the manager but was very unprofessional and non-chalet. He told me that I would have to re-send everything and once they received everything my case would be re-opened, sent for review, putting foreclosure on hold. I re-sent everything on May 11, 2010. I phoned chase after faxing documents and spoke to Robert. He told me that my foreclosure was on hold and said that his computer was showing all previous paperwork and all notes dating back to July 2009. He summarized what he was seeing on his computer, we went over all of my paperwork and financials and said that I was approved for The Making Homes Affordable Program. He acknowledged the fact that Chase has major problems helping customers with this program and told me in about 1 month there would be one person in charge of my case instead of numerous departments. He assured me that I was not loosing my home and in no danger of foreclosure or sale. On May 28, 2010 I called again concerned cause I had not heard anything from Chase and in constant worry. I was told my home was NOT in foreclosure, they were still reviewing my case, and that all documents were intact. I was assured that as long as my case was active/in review foreclosure proceedings could not go forth. On June 2, 2010 I phoned Chase to find out that a Ms. Brown was assigned to handle my case. I spoke to Johnny who told me that my paperwork was intact and still being reviewed. Foreclosure was postponed/on hold. Ms. Brown was unavailable so I left a voice mail for her. On June 29, 2010 I still hadn’t heard from Ms. Brown or Chase so I called and left another message for Ms. Brown. I immediately called again this time speaking to Johnny again who said that there seems to be some missing documents and that I would need to re-send everything. This was the 9th time I had faxed all necessary documents. On July 2, 2010 I called, spoke to Johnny again because Ms. Brown was unavailable, and got confirmation of documents received and was assured that they had everything needed. Johnny said he was going to hand deliver paperwork for review, not to worry, foreclosure on hold and auction date postponed. On July 23, 2010 my case was still in review, don’t worry, not in foreclosure, and will receive approval in mail within 30 days. Each and every time I spoke to a representative at Chase I made it perfectly clear that I wanted to keep my home and would do whatever necessary to keep my home. Time and time again I was told different stories about their mishandling of paperwork and continued to re-send any and all documents they required. Time and time again Chase has lied to me. Time and time again Chase assured me that I didn’t have anything to worry about - that I was in NO danger of loosing my home. On August 13, 2010 Notice taped on front door, dated August 11, 2010, stating that Fannie Mae now owns my home!!!!! I immediately call Chase and they would not tell me a single thing!! They said that I would have to call their lawyer for information. I phoned their lawyer and they told me that the case was handed back top chase and to call them. I called chase back and they wouldn’t help me. They would not give me any information whatsoever. They told me that it was my fault I lost my home and was my responsibility to call to find out the status of my home. They said no notice would have been given or mailed to me anyhow. I should have known. They also told me that they had no affiliation with the attorney they told me to contact. They told me the attorney could give me further information. I again called Shapiro law firm and was told the case was handed back to chase. No one would help me and tell me what the heck was going on!! I didn’t know what to do - I didn’t know where to go for help I tried to get help from several programs, foundations, counselors but as soon as I told them about the notice taped to my front door they said that there was nothing they could do to help me. I spoke to the founder of the Foundation for Hope who told me that he could help me as long as no trustees deed upon sale papers were filed with recorder. I went downtown on August 18, 2010 and there were no foreclosure papers and no auction/notice of trustee‘s sale papers filed. So I joined their foundation, paying membership, solely because they said they would be my advocates and handle everything. On September 14, 2010, more than a month after sale date, I received paperwork from law firm and included was copies of papers recorded on September 9, 2010. The Foundation for Hope informed me that they couldn’t help me after all (paying $600) for nothing. The gave me a referral to a FHA counselor who supposedly is well known in the state of CA for reversing sales, getting original modifications, and lower interest rates for a flat fee of $4000.00 This sounds great although I cannot afford this kind of money with no guarantee. She would not consider reducing her fee and wanted payment in full before reviewing my case. Her back account was also with CHASE!! I have made several written and verbal requests to Chase and Fannie Mae for someone to review my files because I know that Chase made numerous errors. If someone would review my files they would see that I was and am a perfect candidate for the Making Homes Affordable Program or other programs. I have always made my payments on time and applied for modification to help get us through some difficult times. I have contacted Fannie Mae numerous times to try to find an alternative to eviction and they have not responded. I do not understand why they would rather have an empty house when we could be paying them for this house. The past year has been a complete nightmare! I have been in constant worry/panic because of Chase on top of trying to cope with the sudden death of my Mother. I truly believe that I lost my home illegally! I know that documents were mishandled. I believe Chase didn’t follow guidelines set forth by President Obama. I think that the lawyer for Chase and Fannie Mae may have violated laws. I believe that once Chase assigned 1 person to take my case we were simply signed off without knowledge and review of file history. I know that Chase violated forbearance plan agreement. I have been treated unfairly! I love my home and do not want to move. I am a single mother of 2 small children. I have lived in my home for almost 10 years. My children love this home. We have nowhere to go and no family to help us. On November 3, 2010 I went to my eviction court and asked the judge to please help me! He said that it was out of his jurisdiction and postponed my hearing until the 22nd of November. I am supposed to be out by the 12th of November leaving my property in broom-swept condition in order to receive $1,000.00. I do not know if we still have to be out by the 12th .
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