Cenlar review: Doing nothing on my request for loan remodification. 4

I am going through the same thing with Cenlar. I sent not one but two completed packages to them and have a letter from January statiing that they had the completed pacakage (2nd) in January. By March, I had heard nothing nothing and was now totally without resources except for unemployment and a small social security check. My mortage payment eats up almost three quaters of monthly income. Cenlar told me they had only received the completed package in March and I asked them how that was possible since I had a letter from January stating they had the package. They then said that they had my request in the wrong department and had not realized I had an FHA loan. As of today, now going towards the end of May, they have done nothing more to advance my loan modification. I have told them that it looks like they are looking for this senior citizen to go into foreclousre. Their answer today was
"Well, you have a right to think what you want. " And yes, I did ask for that person's name and suddenly I was disconnected. Professional? My next move is to call my attorney and tell him what is happening. I am sorry there are others going through the same experience. cdw.

I am going through the same thing with Cenlar. After hearing on the news that the government was trying to help keep foreclosure's down. I called and the woman I spoke to was very helpful. She had suggested I call my mortgage comapany and request a loan modification with my situation there should be no problem. I then called Cenlar and requested a loan modification after I received that advice from the government. My husband passed away on November of 2007, a few months later I lost my job. I started the modification process in March of 2008, after sending many application packets per Cenlar's request either they did not receive it or it is in review. I then received a letter from Cenlar in April Of 2010 that they placed my mortgage payments on forebearance probation to pay half of the monthly payment for three months with a certified bank check and must be received on or prior the first of month until July 1st. After that trial period they will review my account for the modification. I have sent every payment and on time. Three months have passed and nothing from Cenlar I called them every few weeks on the status of my application, their response was it is in review and to keep sending the same amount until I recieve a letter from them. Now six months later I receive a letter from Cenlar that my modification was denied and I owe $15, 000.00 of back payments or they will start the forclosure process. For the past 2 years I am still sending the same information over and over again and getting nowhere they are just playing games and I don't believe anything what Cenlar states. I now reported them to BBB and speaking with an attorney to avoid foreclosure also to investigate if what they are doing is legal. I hope and pray that Cenlar gets a penalty for taking advantage of the consumer. MT

I have gone through the exact same thing with them. I was diagnosed with breast cancer and due to that I was out of work and accrued extra medical expenses. Requesting a loan modification they put me on a forebearance and told me after that they would see which program I would qualify for. I completed that and tried numerous times to get these ignorant, insensitive [censor]s on the phone but held on for an hour got passed around and then finally disconnected. Finally got a person on the phone and was told they were still working on it, continue to pay the amount of the forebearance. This went on for another six months, I was notified of another forebearnce for the next 6 months. Again they told me it takes a while, continue to pay until you hear something. Called back on the last month of the forbearance and demanded to know what the hell they are doing. They told me, dont send anymore money in, put it aside until they made a decision. OMG, are they kidding, sure I am willing to do that so they can take my house. Not a chance. I re-sent another packett to them. Told them I am sending my regular payment in and expect to hear something in the next few weeks. Meantime I have an attorney ready and will go to the media about these a holes. They have some kind of scam. I am sick of them and hopefully can expose them before they have everyone living in a box. MD

This company is out to take our homes and this pandemic helped them with this forbearance they are not following the governments protocol. The cares act forbearance was to help us keep our homes from a foreclosure.