I applied beginning of Jan and to date – ZERO! Russ Consulting = Paid Robots = Total Waste of money that could be used to help the homeowner. They read a script so everyone gets the same information – but no two cases are alike so why are people getting the same scripted information? Total WASTE of MONEY!

Russ consulting says there will be an 800 number to call starting in Aug to get “up to date” information. It is the SAME number you call now. Any why not until August? What have these companies been doing since January? Collecting money for nothing….

Why are people not interested in applying – 7 reason why:

They want their nightmare to end… not continue for many many months while a thorough and complete review is conducted – exactly what does that mean… just B.S.

They have been lied too way too many times and nothing ever gets done
Compensation too low

They have been through loan mod hell and have first hand knowledge how that one “helped”

Agencies are not forthcoming with the REAL program information

They suspect this is a set up by the mortgage companies

The Attorney Generals used them for good PR – Hey we are signing this and getting money BUT we are not using it for YOU

These programs are not helping anyone – more programs that do little or nothing to fix this issue

If any agency really has to ask why then they have not been paying attention or don’t really care or are just collecting a paycheck.

Bail Out 1 = Banks 1 Homeowner Zero

Bail Out 2 = Banks 2 Homeowners Zero

HAMP – Banks 3 Homeowners Zero

Independent Foreclosure Review – Banks 4 Homeowners Zero

Attorney General Settlement – Banks 5 Homeowners Zero

Do you really have to ask why all these programs are failing? Is the Brooklyn Bridge for Sale…

FIGHT BACK

Charles, I did your approach, but not to the size of 610 pages. I did, though, provide thorough supportive documentation over 100+ pages, all with the court dates. Like you, I also ‘re-worded’ their traps. However, over 120 days have passed and they never gave me any confirmation that my request met their eligibility requirements for a review. Yet in the 90-days I found my foreclosure case went from dormant for months, to a sudden rush to move toward a motion for summary judgment.

I know they got mine because they gave me the standard confirmation letter, and just 2 days ago the OCC sent me a letter from my complaint to them 15 months ago that since I have an Independent Foreclosure Review submission and my loan fits the time period, they will not be handling my complaint anymore as it will fall into the work of the independent reviewers. Ha!

If I have the fortune to defeat the Summary Judgment next month, I wonder if my stalled review reply will suddenly come to life, and those missing 90-day letters will suddenly come my way, as it seems to me they have frozen my review in hopes that the judgment takes place next month, and if it is in their favor, they will just spit out a ‘no problems’ found determination.

The fact it is so dynamically molded to my active foreclosure case, in the manner I am and am not getting responses, reeks of inside abuse of the information on my review request, as far as it just being used to hand over in full to the plaintiff as a ‘let’s see if this will help you throw that deadbeat homeowner out at last,’ wink wink.

To Tell The Truth, next month my case has a hearing set for Motion for Summary Judgment, and what happens awaits to be seen. However, for sure, the bank/Plaintiff will NOT be coming with any of their gaping holes plugged from their attempt to trick me to supply them with the missing information they could see was in my review.

So they will be empty-handed before the judge, without anything to show that I newly agreed to owe the loan and agreed they are the holder in standing, and the half dozen other gaping holes in their documentation to the court. Since they have only faked evidence to prove their case, I saw that my IFR seemed to make them desperate to try to slam my foreclosure through any old way, including attempts to schedule the hearings for the summary judgment without my attorney’s knowledge, so in effect, it would look like I was a no-show and they could gain, a fraudulently obtained court decision.

Fortunately, I learned how to view my local court’s scheduling docket and caught their trick and after 2 more tries, my attorney was able to force the plaintiff/bank to schedule with him directly.

And, speaking of “independent”… I was surprised to receive two confirmations of receipt of the package, I was sure they’d just toss it (maybe they did anyway) but what was “interesting” but no surprise, was their receipt stating it would be “evaluated to confirm eligibility” and if so “it will be reviewed by an independent consultant” (fully qualified I’m sure). They also state “the review process will be a thorough and complete examination of many details and documents, the review could take several months.” They’re saying if we do not meet the eligibility requirements, they’ll let us know within 90 days (they said that in the last letter some months ago…guess a new letter gives them more time)

Oh and the “fun” part…the fine print on the back side of the acknowledgement of receipt states “[t]he information that you submit in connection with the Independent Foreclosure Review process will be available to the servicer(s) of your mortgage loan and will be shared with an independent consultant of that servicer(s)”. Hmmm…how the hell can a consultant of that servicer be “independent?” Then there’s “Pursuant to the consent orders, each mortgage servicer has hired an approved independent consultant to review certain residential foreclosure actions to determine whether an individual borrower was financially injured as a result of any errors, misrepresentations or other deficienceies made during the foreclosure process.”

Typical.

Stick to your lawyer.

Don’t freely give the mortgage companies a thing!

Being helpful to the enemy expecting a better deal or mercy is foolish.

You’re not out of line. They want to find out how much you know so that they can figure out how to continue to bamboozle you.

interesting…but how do you do that????

And also that whistleblower said Wells Fargo told him he was digging too deep and put the shovel away, the reviewers could not get to screens they needed to get to and also the people doing the reviews didn’t know anything about mortgages. And my has to do with Wells. I’m sitting on mine and have not decided what to do with it. Most of my problems have to do with the fraudulent docs used to foreclose, no standing to foreclose, conflict of interest., etc. So what will that review do for me? nothing. And not to mention, I am not a stupid person, but that questionnaire is confusing to me. What particularly disturbs me is they don’t want you to have an atty do it for you. WHY????

As other posters have posted, why would we ever trust this process?