I have been head to head with Countrywide since September. All I wanted to do was refinance my 8.375% interest on my 30 yr fixed. I am gainfully employed, and not upside down on my mortgage. During the refinancing in Sept I was told by their loan officer it would take less than 30 days since I was already a customer of Countrywide and my next mortage payment would be Dec.in the meantime Countrywide closed hundreds of branches and all documents etc were deleted. I had to start over from scratch they had my account at all times in view. We ordered the appraisal and they canceled it saying I had my first 30 day late therefore the loan was denied I worked with numerous other mortgage companies and even paid for an appraisal that no one will give me a copy of and denied denied denied. I filed numerous complaints with the CEO of Countrywide and in November received a letter that they found in my favor and would fix my credit. Ya right!!! It is now April, I have applied for their "Home Retention" plan and found out that all my mortgage payments have been put in a fund for their home retention program and I am now being reported 5 months late and they are demanding $5000.00 to catch up my payments, since the funds do not count and there is no guarantee. I am not an Ohio resident I live in Illinois but I saw the Senator on CNN and wanted to find her myself. I have filed complaints with the California and Illinois Attorney Generals, BBB, OCC, my state legislator Judy Biggert, have contacted all the credit bureaus with copies of their letters and I am screwed and going to lose my home of 25 years.
I know there are people with children, and illnesses and unemployed but I fought very hard for what I have while raising 3 boys on $10,100.00 a year with $350.00 for rent back then and a car payment of $66.00.
I need advice and help. To my knowledge there is no class action suit against Countrywide who by the way is now owned by Bank of America. I have written faxed and called everyone I can and the foreclosure papers are on their way. I have no family, or parents, no rich Aunt or Uncle I have no idea what I will do, I cannot lose my house but do you think Countrywide really cares??? NO
Therefore I will exercise my squatters rights and hope that OBama straightens this all out since I do not qualify for his packages.
Is there some help for me out there???
The recommendation by Marcy Kaptur to exercise YOUR right to squat until the property terms of your loan are resolved. There are thousands of us, I have heard from where monthly mortgage rates are going up on homeowners with fixed rate mortgages. Unable to refinance due to one late payment. What has been the fallout from Marcy Kaptur's advice to homeowners doled out on the congressional house floor in January?
Kaptur's advice
Kaptur recommends calling the local Legal Aid Society, Bar Association or 888-995-4673 for legal assistance.
I believe you're referring to Representative Marcy Kaptur's "Facing foreclosure? Don't leave. Squat."
I think a class action against Countrywide/Bank of America is a good idea. As evidenced, we're gonna have to MAKE DEMANDS of the new administration. So far it's not what it was cracked up to be - not on the justice front.
We need an attorney that will start a class action lawsuit against countrywide
Email the dept of justice if you too are a victim of countrywide
AskDOJ@usdoj. Gov is the email
File complaints with your state attorney general
File a complaints with the occ
File a complaint with the bbb
Email all your legislators if you do not know them
go to and all the information is there
Email nancy pelosi
Email obama i do!!!
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