April Fools

Phoned WaMu April 3, 2009 at 11:20 am and spoke with Amber. Per Amber, on 3/31/09 a loss mitigation file was set up and the negotiator (a Stanley S-D.) had been assigned and he’d left a note in the account requesting that I provide copies of my last two years of income tax returns and verification of the freelance income I was reporting. She said a letter had been sent to me requesting this information.

Verification was going to be a problem on the freelance earnings. It was just that, freelance, with no guarantees and no real “boss”. No paycheck either – the money was wired to my checking account and WaMu could see that, but they wanted to know why and where it was coming from. After some wrangling I managed to get a letter from my “employer” stating that I did freelance work for them but it wasn’t easy.

Phoned WaMu April 6, 2009 at 9:00 am and spoke with Kimberly and told her I had spoken with Amber on 4/3/09 and I had still not received a letter telling me where to send the requested documents. Kimberly insisted a letter had been sent and gave me a fax number to submit my documents.

Faxed WaMu April 7, 2009 at 10:00 am and submitted the requested documents.

Phoned WaMu April 8, 2009 at 8:14 am and spoke with Kyle. I wanted to follow-up on receipt of the fax but per Kyle, they “are swamped” and I must allow WaMu 7-14 business days to receive a fax; I could try calling back on 4/14/09.

Phoned WaMu April 13, 2009 at 8:49 am and spoke with Kathy. I asked her to verify that a letter had been sent to me and to confirm receipt of the fax. Kathy alleged a letter had been sent via USPS and “the file is still open which means they must have the fax.” She advised it was now taking 79 days from when the negotiator gets it to completion. I asked to speak to the modification officer and was advised she could no longer transfer calls. I then reviewed with Kathy the entire timeline starting with WaMu’s confirmed receipt of the 2/24/09 packet and said I never got a letter acknowledging anything was happening; no one had ever gotten back to me about anything and the only way I knew additional documents were required was by repeated phone calls. I asked if I might get something in writing indicating they were working on my case. She indicated that the file went to the negotiator on 3/31/09 and confirmed my cell phone number as the correct way to reach me. It was not a friendly or productive call.

Phoned WaMu April 17, 2009 at 3:36 pm and spoke with Paula. Per Paula, they forwarded the faxed info to the negotiators on 4/15/09 and it should take 68 days. Per Paula, the negotiator is still Stanley S-D. I should call back every week or two to check on the status.

Phoned WaMu April 23, 2009 at 9:15 am and spoke with Kathy who said there was “nothing new to report at this time.” The negotiator is working on it and the time frame is now 69 days from 3/31/09.

Phoned WaMu April 30, 2009 at 1:40 pm and spoke with Kim who asked if I was just checking in on my loan modification today. Per Kim, the timeline does not start until the file is sent to a negotiator and that it would take 76 days from 3/31/09. I asked if there was anything I could do or if there had been any change since 4/15/09 and Kim said it is frustrating and she understands but there was “nothing I could do at this point.”

April is over and I am the fool.


Time Marches On

Phoned WaMu on March 6, 2009 at 9:00 am and spoke with Juan C. Per Juan, “WaMu is hiring and training people. They are getting about 150 requests a day. As of today’s date it has not yet been assigned.”  Juan estimated it would be reviewed by Friday 3/13/09 and suggested I call back then.

Phoned WaMu on March 13, 2009 at 9:20 am and spoke with Margie. Per Margie, it’s “going to be a 97-day turnaround from when the negotiator gets it” and it “should have been assigned.” Margie confirmed that nothing appeared to be missing and could not understand why it hadn’t been assigned; she then gave me a priority number to fax in my 34-page packet, even though it had been received already. When I asked her what a reasonable time frame was to follow-up, she said they would contact me within 48 hours and reconfirmed my cell phone number.

Faxed WaMu on March 13, 2009 the 34-page packet.

48 hours elapsed with no calls from WaMu.

Phoned WaMu on March 13, 2009 at 8:50 am and spoke with Kathy. The paperwork had been received on March 16, 2009 and forwarded to an “opener”. It goes to an opener first and is then assigned to a negotiator; that can take up to seven days (3/26/09). I pressed Kathy on what happened to my original submission, the one I mailed in, because we were losing time and each day counted; she said she would open up a Work Order for the original submission and indicated that once the Work Order was opened, they would contact me within 48 hours. Kathy said the whole process should take 30 to 60 days and that they were averaging 66 days.

48 hours elapsed with no calls from WaMu.

Phoned WaMu March 20, 2009 at 10:00 am and spoke with Kristen. Per Kristen, “on March 16, 2009, the packet was forwarded to C. H.” (an opener) for research and to be assigned. “Escalation is looking into what happened to the 2/24/09 submission.” I will either get a phone call or a letter in the mail regarding more info needed or that they are working on it. Kristen suggested calling in 3/31/09 to follow-up.

March ended with no calls from WaMu.