I feel the foreclosure proceedings were performed way too quickly for only a couple of months behind. As far as I know, the payment track record prior to the last few months has been impeccable.
I THINK THIS IS UNFAIR AND WOULD LIKE FOR SOMEONE WITH JUST A LITTLE COMPASSION AND UNDERSTANDING FOR THE WHOLE STORY TO GIVE ME CHANCE TO MEET THE MODIFICATION APPROVAL. Around the 1st of March I had conversations with a wonderful lady in your Loss Mitigation area who offered me a modification work out and indicated to me that I would receive this information in writing from the Attorney , at that time expressed the importance of receiving this information in writing because I would be obtain a HARD MONEY LOAN and the want complete disclosure of the facts. (and are still willing to lend the money) On March 15th or so I complete the intent to cure, while still awaiting the modification information I just wanted to be sure that I didn't miss any dates. In April I was informed after contacting NCM that the sale had taken place and that I had defaulted on the modification that never received I was outraged, there was on way I would have let my entire life fall to the waste side for less that $15,000. I got further confused when I contact NCM and was told that my loan was already in the REO Department and was provided a phone number, after a day or so I got a call from a lady that to me that I needed to contact FANNIE MAE directly and provided me with DO numbers for all my loans and a phone number to Fannie Mae , as you can imagine this turned into a roller coaster rider, finally after a few day I spoke with a person who LISTEN to my complete story and knew what to do and who to contact in the REO Department at NCM (MIKE, who was been wonderful) Mike I explained the information I had gotten previously and Mike ask if he could call me back later once the source of misinformation was worked out. He called me back and directly me to Mr. Gordon, I had made several attempts to reach Mr. Gordon but he was busy, one the the customer service reps in that department Mrs. Greene took a moment to LISTEN to my story, she sent a e-mail to Mr. Gordon and he respond by requesting a new workout package on all loan, I tough that it was possible that we were all working on the same page now.... But I was wrong ....when I contacted NCM within the next two days (allowing time for my workout package to be reviewed) I was informed that the proceeding where still in foreclosure ??? I was pissed I requested to speak with a supervisor, I told the supervisor what the issue was and that I never received that figures in writing from the Attorney and that there was NO WAY I WOULD HAVE RISK LOSING 3 PROPERTIES FOR LESS THAN $15,000 IN DEFAULT. She told me that see need to look into the matter and would call me back. She called me back at my home #(not the number I gave her) and left a message for me to call her back "No Details" there is a 2 hour difference from the to here in Colorado, so I called her back 1st thing the next morning and got v/m , waited about an hour or so and called back and refused to go to v/m. The supervisor questions as to why I did not call back many more times to assure that the modifications figures were sent out , I explained that I was unsure as to the time line or of the procedures, in short I trusted that I was successful with my request for modification and that it could be maybe 7-10 days to receive via mail. The supervisor informed me that it was too late and now my only chance to save what I have worked my entire life for was at basically gone. I THINK THIS IS UNFAIR AND WOULD LIKE FOR SOMEONE WITH JUST A LITTLE COMPASSION AND UNDERSTANDING FOR THE WHOLE STORY TO GIVE ME CHANCE TO MEET THE MODIFICATION APPROVAL. I have been though every web site for HARD MONEY LENDERS that lend in COLORADO and most of then really don't have any money to lend they are lined up to place bids and acquired my properties. I have talked to every one I could and I not getting anywhere. This is not fair please see that, I would think that a company the size of NCM there has to be more that one way to skin a cat. You can call me at 720-363-0190 and leave a detailed message or e-mail me at jaymoneeivory@msn.com
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