JPMorganChaseLoanModifications

April 28, 7:40 PM: I wanted more information about the financial interview and how to prepare. I told Natalia Carrillo at Chase Home Finance that I’d phoned (800) 848-9380 on March 2, 2010 and attempted to have a financial interview, only to be told they had no idea what I was talking about. Natalia ignored me and said the financial interview would be verbal questions about my monthly expenses. A “solicitor” would ask a series of questions, it would “fast and easy”.

This made no sense. Everything else Chase wanted had to be submitted in writing and in excruciating detail…why was this going to be “fast and easy”, yet a “solicitor” was involved? Natalia explained that the  “solicitors run” the financial interview and ask basic questions like my income and expenses…things like “utilities, food, entertainment, gym memberships”, etc…  I asked if my attorney should be present and Natalia said that was okay but why? She said the “solicitors” at Chase were just the people who answered the phones and forwarded the calls; she downplayed all of it and encouraged me to do it right then and there.

I didn’t like the sound of this at all. I’d read and been cautioned to never offer anything off the top of my head and to take each interaction very seriously; that’s why I’d documented every contact with Chase since I first requested a loan modification in February 2009. I asked if the financial interview could be scheduled; I wasn’t at home when Natalia called and had none of my paperwork with me. Natalia said if I submitted the updated Profit & Loss statement then she could look into scheduling the interview; we tentatively agreed on Thursday April 29, 2010 at 6:00 pm.

I asked how I could reach Natalia directly since there seemed to be no way to enter the extension she’d provided. Natalia said she was “unavailable” when I’d called and that after dialing the (800) 848-9380 number the 382-3158 extension would go to her voice mail and a 381-3158 extension would go to her phone no matter what.

Filed under: Chase, Home Loan Modification, JP Morgan Chase | Tagged: Chase financial interview, Chase Home Lending, Chase loan modification, jp morgan chase loan modifications, loan modification, loan modification answers |