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    Bagels at a Bar Mitzvah

    Razmik... do you have an escrow with your loan? I too was sold off to SLS last fall, after fighting BOA for 4 years for a mod... they assigned me an escrow account on the grounds that I applied for HAMP, and even though they did not give me a HAMP mod, B of A said that they could assign an...
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    Ocwen Mod after BK7

    I would rent out the house... it could be quite a while before anything happens, as there is obviously a problem somewhere of why they won't move .....by renting, I do believe that the renters are protected through their lease period, if foreclosure does get rolling.... and the up side is that...
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    Specialized Loan Servicing

    No, I have not heard anything either, except for getting several letters the past 4 months on a new 'point of contact' person... that has never attempted to contact me! And I get a monthly statement every month... still with the wrong monthly amount due! I saw on this thread that they did a...
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    The HAMPster Wheel Game

    Requesting mediation could buy you 90 days, but that timeline will be shortened when you don't supply your financials to the mediator, and the mediator then calls a halt to the mediation process, due to you not cooperating with your financials....right now, without mediation, if the home is...
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    Update on Specialized Loan Servicing (SLS), deceit and lies...

    4mykids... not sure if you are still following this thread, but I just found it, and would like to respond to your posts.... I was transferred to SLS in Nov 12 and 6 months later it is truly my belief that the only reason that these sub servicers of B of A took on defaulted mortgage loans was to...
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    Loan modification with wells fargo

    Jeffrey... I know you mean well, and I have tried to ignore all of the postings that are just so negative, hopeless and not in the spirit that this site is all about.... but please, can you try to be more positive and proactive with your postings? We that have been on this forum for more than...
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    Substitution of Trustee

    No, since it was just the servicing that changed, there would not be an assignment of DOT, since that deals with the owner of the note, which most likely is not BAC or B of A, if your loan was securitized and on MERS originally.... Does Bof A actually own your note? In my case, MERS...
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    Bagels at a Bar Mitzvah

    Would love to see what you have in regards to sub servicers and the agreement... my new sub servicer is doing the same thing... I get letters from them every other day, about the past due amount, one was for verification of our social security numbers so they knew who to record 2012 interest to...
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    Substitution of Trustee

    SIS, I would not trust NW trustee at this point... it appears that they are getting your paperwork in order, since a recording just happened.... you need your housing counselor to formally request MEDIATION... that is the only way that you will know the status of your mod... DO NOT send in the...
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    Recent Supplemental Filings For Your Trust

    SIS, you might also want to request the MERS Milestone Report... not that they will willinging give it to you, but it will let them know that you know what to ask for, which might get them to back off a bit.. also, we need to find a way here in WA state to get the authorities more involved... it...
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    Any helpful discovery likely from Investor group and fed litigation against Wells Fargo?

    You have to look for web sites that post the actual case and the brief filings, which can contain some very interesting information... unfortunately, the cases that really have some teeth to them often get settled without any publishing of the settlement.... regarding securitization docs, you...
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    Washington State-Could this be an NOI?

    Jewelesup If this is your primary residence, per WA State law, you are to get an official letter for your right for a 'meet and confer' meeting, and if you request one, then the servicer must wait 90 days before sending you an official Notice of Default letter. Is there anything on the letter...
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    Calling all homeowners who have received a modification from B of A's subservicers since being trans

    Hi Fellow forum members... I am doing a poll and would be very interested in finding out who has received a permanent loan modification from the sub servicer that B of A has transferred you to since the National Mortgage settlement went into effect in 2012? B of A has been selling off its...
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    Substitution of Trustee

    Yes, I have the same thing, where B of A had "MERS" assign both my first and second out of their name as 'beneficiary in Dec 2011 and Sept 2012... prior to the ruling... Where it gets a bit murky is what you are referencing... they can't be a beneficiary, or foreclose on a homeowner, but can...
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    Pressure by Specialized Loan Servicing to Send in New Documents Instead of Waiting for BOA

    Tom, thanks for your reply, but I have to disagree with you... my original loan was with countrywide, and if you read the transcripts of various cases in the courts, countrywide did not hold on to any of its own paper on first loans.. they had investors like Merrill Lynch already funding the...
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    Bagels at a Bar Mitzvah

    Seems really strange behavior for a judge with his background... what did the plaintiff's attorney do to get him so riled up on not following court orders or local rules? But then again, I think that the dirty little secret here is, that in some key states, like CA, the judges know that they...
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    Pressure by Specialized Loan Servicing to Send in New Documents Instead of Waiting for BOA

    The key word here is 'Owned by Bank of America" - Bank of America actually owned very very of its problem loans, and most people that were sold off to the subservicers were securitized loans with no clear path of who currently owns their mortgage, which is why our loans weren't modified in the...
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    Preparing to Walk Away in Seattle

    Yes, the WA legislature tweaked the law ealier this year, and for those whose homes are their primarily residence and owner occupied are to get the pre forclosure option for a meet and greet.... which if you ask for it, they are suppose to wait 90 days before issuing the NOD, even though many...
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    Preparing to Walk Away in Seattle

    B of A has done this with most of its 'problem loans' it seems... they most likely only sold off the servicing rights to Ocwen, right? In Wa state, even Ocwen has to follow the new foreclosure laws, which gives you a mandatory 150 days before the Notice of Trustee Sale, after your Notice of...
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    Pressure by Specialized Loan Servicing to Send in New Documents Instead of Waiting for BOA

    Newbie, I sent them a validation of debt letter, to see if they had the same information that B of A had, as their original numbers to me were inflated by more than $22,000 from what B of A had shown on my statement dated October 30, 2012. Please note that SLS is not mandated as part of the...