CRISIS!!! Please help!!! FREDDIE LOAN
Brief run-down:
June 2009 - Submitted short sale to Chase.
Chase had approved a loan mod, but it took them 5 weeks to close out the loan mod file and assign it to the short sale dept. Melissa Armstrong was the negotiator
October 6 - Buyer walked, new buyer's offer and HUD was sent to Chase
October 21 - Melissa Armstrong called to verify who the correct buyer was, and we told her
November 20 - We got approval - WRONG BUYER'S NAME (it was the first buyer)
Nov. 20 - Nov. 30 - Called, emailed, faxed Chase/Ms. Armstrong - no response. Foreclosure set for Nov. 30 at 12:00pm. Called Freddie, and the Trustee - got it postponed at 11:57am. New sale date January 6, 2010 (today)
Nov. 30 - Dec. 18 - Called, emailed, faxed Ms. Armstrong.....we need revised approval with new buyer's name.
Dec. 18 - Get a call from William Happoldt, the new negotiator. He requests the purchase agreement, HUD .......we email and fax them to him in 5 minutes.
Dec. 24 - Get a call from William Happoldt, informing us he is closing the file due to non-response from my office.
Dec. 24 - Jan. 4 - We call, email, fax Mr. Happoldt.....no response
Jan. 4 - Mr. Happoldt calls my office to inform us the investor (Freddie Mac) will not stop the sale
Jan 5 - I email, fax, call Chase & Mr. Happoldt. He tells me that he does not have the documents. We have no less than 15 confirmations of faxes and emails that we sent them the requested information. He said that if I attach the documents and respond to his email, then he should get them. I did just that. I attached everything and hit "reply." No response. I email him a few hours later, just to get status update. He responds: I have not received anything from you.
Bottom line - Apparently Chase has an email filter that prevents large or multiple attachments. I have to send the documents in multiple emails, with no more than 3 pages attached at a time. Mr. Happoldt verified receipt of all documents and put in a request to Freddie for a postponement of the sale.......in case you missed it, it's TODAY at 12:00, PST.
We are all on pins and needles. I emailed him this morning and he has not heard back from Freddie yet. Any thoughts or suggestions are welcome - I'll update as soon as I know something.
June 2009 - Submitted short sale to Chase.
Chase had approved a loan mod, but it took them 5 weeks to close out the loan mod file and assign it to the short sale dept. Melissa Armstrong was the negotiator
October 6 - Buyer walked, new buyer's offer and HUD was sent to Chase
October 21 - Melissa Armstrong called to verify who the correct buyer was, and we told her
November 20 - We got approval - WRONG BUYER'S NAME (it was the first buyer)
Nov. 20 - Nov. 30 - Called, emailed, faxed Chase/Ms. Armstrong - no response. Foreclosure set for Nov. 30 at 12:00pm. Called Freddie, and the Trustee - got it postponed at 11:57am. New sale date January 6, 2010 (today)
Nov. 30 - Dec. 18 - Called, emailed, faxed Ms. Armstrong.....we need revised approval with new buyer's name.
Dec. 18 - Get a call from William Happoldt, the new negotiator. He requests the purchase agreement, HUD .......we email and fax them to him in 5 minutes.
Dec. 24 - Get a call from William Happoldt, informing us he is closing the file due to non-response from my office.
Dec. 24 - Jan. 4 - We call, email, fax Mr. Happoldt.....no response
Jan. 4 - Mr. Happoldt calls my office to inform us the investor (Freddie Mac) will not stop the sale
Jan 5 - I email, fax, call Chase & Mr. Happoldt. He tells me that he does not have the documents. We have no less than 15 confirmations of faxes and emails that we sent them the requested information. He said that if I attach the documents and respond to his email, then he should get them. I did just that. I attached everything and hit "reply." No response. I email him a few hours later, just to get status update. He responds: I have not received anything from you.
Bottom line - Apparently Chase has an email filter that prevents large or multiple attachments. I have to send the documents in multiple emails, with no more than 3 pages attached at a time. Mr. Happoldt verified receipt of all documents and put in a request to Freddie for a postponement of the sale.......in case you missed it, it's TODAY at 12:00, PST.
We are all on pins and needles. I emailed him this morning and he has not heard back from Freddie yet. Any thoughts or suggestions are welcome - I'll update as soon as I know something.
Replies to This Discussion
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Permalink Reply by Mori Langshaw Sr on
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Call back but talk to someone else who looks in the system. Not Mr. Happoldt.
When they answer the phone, say, "Hi first name, this is Laurel Starks calling about loan number 123456789 and I desperately need your help. Can you help me?" Let them answer that.
BRIEFLY explain the situation and that the sale is today and you have an approval from all parties but it was the wrong buyers name yada yada yada.
But I would get that person to help me. Someone there that answers the phone WILL help and they are the low man on the totem pole. If you work with someone else in your office, I would have them call as well and say the same thing. Between the two of you (or three or four, you get the point) talking to two (or three or four) customer service people, someone will help you. Someone will go above and beyond their job description. They will walk to a supervisors supervisors office and explain it on your behalf. Especially if you are nice... -
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