Wells Fargo Mortgage Modification is a Scam

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My Mortgage Modification Nightmare
3/16/2010-Present

January 2011
August 2011      

July 2010

DATE: July 7, 2010
ACTION: Sent requested forms to Wells Fargo
SUMMARY: Sent UPS prepaid overnight packet to Wells Fargo containing completed forms of a “Loan Modification Starter Kit” I received. The items requested to be sent by July 14, 2010, were as follows:

  • Request for Modification and Affadavit (RMA)
  • IRS Form 4506T-EZ
  • Documentation to verify income, specified on a checklist for borrowers who are self-employed to be a copy of the most recent federal tax return with all schedules and a copy of the most recent quarterly or year-to-date profit/loss statement.

I also sent another copy of the 2008 and 2009 W-2 forms just to be sure every piece of the tax form as submitted to the IRS was included here. All were duplicates of forms previously submitted.

Package was confirmed delivered July 8, 2010, at 8:03 a.m. and signed for by ESYAS at dock.  

DATE: July 8, 2010
ACTION: phone call from Jessica Dahms, Wells Fargo
SUMMARY:  Even though Jessica said she would be with me through the rest of this process, she called to tell me my file has been re-assigned to the government program HAMP. She said I had been pre-qualified for that program. I asked her to explain what were all the programs I was considered for (must have been a lot because it took four months and reams of paper to make the decision.) No answer, just a lot of stuff about being pre-qualified. I asked whether there was any specified time limit for the review process, and she said no, but they did have an internal goal of completing in 30 days. Went on at some length about it depending on people sending the right documentation.

She told me my file had not yet been assigned to a “team member,” and gave me the number of the HAMP program (877) 279-1649 and suggested I call right away and find out to whom it had been assigned. Said she would be out of the office until July 15, would monitor my file to be sure it was assigned and if I couldn’t get a name and phone extension, I should call back and she would help me.

I asked whether there was any specified time limit for the review process, and she said no, but they did have an internal goal of completing in 30 days. Went on at some length about it depending on people sending the right documentation.

DATE: July 12, 2010 
ACTION: Called HAMP to try to get a name of who had been assigned my file
SUMMARY: Called the Wells Fargo Home Mortgage HAMP Fulfillment Loss Mitigation Dept. to try to find out to whom my file had been assigned. The representative, who didn’t identify herself, said my file had not yet been assigned, but she would “take it to a manager” and call me back to tell me to whom it was assigned.

I asked her to tell me what were the criteria for the HAMP program and she talked about there being four programs to help with mortgages and told me that I had been prequalified for HAMP, a new procedure that had greatly improved the approval rate. Still no details about the programs.

She never called back with the information about to whom my file had been assigned.

DATE: July 19, 2010
ACTION: Received email from Wells Fargo asking for more documents and ended up talking to two helpful people.
SUMMARY: Received an email mistakenly stating “We recently sent you a trial plan package as part of the Home Affordable Modification Program” and asking me to provide my last two pay stubs (which I had repeatedly told Wells Fargo personnel I do not receive) and a Hardship letter. The phone number listed on the email was one I don’t believe I had seen before (866) 412-6942. When I called to find out why WF was saying I had received a trial plan package, I ended up speaking to Veronica in Collections. She confirmed that because I am current on my loan, there was absolutely no reason I should have been contacted by or asked to contact the Collections Department. I explained to her about the pay stubs and she said her read of the notes on my case showed I needed to submit another Financial Worksheet. The most recent one she could find on file was dated April 15, 2010. I explained my situation to her and she actually took action instead of simply making excuses. She transferred me to the very helpful Michele Rush, the second person to tell me she would be my representative for the duration of the review, which she expected would be complete in two to three weeks.

Michelle, who works in one of the West Coast offices, confirmed for me that my case had actually been assigned to Mark Tinsley in the Loan Modification Dept., but after hearing about my frustration she transferred my case to herself and gave me her direct phone number. She reviewed my case log and told me she needed three months of bank statements on both my personal and business accounts. First time in the entire process I was ever asked for those, which didn’t seem to surprise her. She said something about “you probably weren’t asked for this before.” She explained that I needed to send all the pages (even blank ones) of each statement and be sure to include my loan number on each page. We talked about whether I should go to a Wells Fargo branch and have them fax these forms for free (which I had recently learned on a consumer complaint site was a service any Wells Fargo branch was supposed to offer for people seeking mortgage loan modifications.) She also explained what additional steps were necessary before the review was complete. She “ordered a drive-by,” basically having someone contracted by Wells Fargo (likely a real estate appraiser) literally drive by and take a picture of the property. She explained this was necessary because some people had tried to get mortgage modifications on properties that had, for example, burned down. And she said it generally took about 10 days to complete this. She said one of the last things that would be done before the review ended was to pull my credit report.

Just after I hung up from my conversation with Michelle, another “Loan modification starter kit” complete with prepaid UPS overnight envelope was delivered to my door. I called her back to ask why I was getting another of these – she didn’t know, but said it was great because instead of faxing the bank statements I could just send them using the prepaid UPS overnight envelope.

DATE: July 19, 2010
ACTION: Wells Fargo sent letter that makes no sense          
SUMMARY: At the same time someone at WF seems to think I have been through the system far enough to have received a trial plan, someone else seems to think I'm just starting out to find out how to deal with my mortgage issues. So they helpfully sent a letter that tells me how much they value my business and want to help me.

DATE: July 20, 2010
ACTION: Sent bank statements to Wells Fargo          
SUMMARY: Using the prepaid UPS overnight envelope, I sent to Wells Fargo complete copies of three bank statements from each my personal and business bank accounts, with a letter explaining that my “business” account was actually a credit union account in my name but used only for business transactions. Also gave record of small credit union account in Colorado and old Wells Fargo checking account with only a few dollars.

Delivery confirmed July 21, 2010, at 8:10 a.m. signed by Gorton at Dock

DATE: July 21, 2010
ACTION: Michelle Rush called me
SUMMARY: Michelle called to break the news that she would not be able to continue working with my modification review because her department only handles modifications of loans owned by Wells Fargo. Apparently my loan is actually owned by Freddie Mac and is only serviced by Wells Fargo. She said I would be assigned a new preservation agent. She would try to find out whom and let me know.

DATE: July 22, 2010
ACTION: Phone message
SUMMARY: Mark Tinsley left a voicemail telling me he had been assigned my loan modification request and gave me his phone number (877) 279-1649 and his email address, mark.tinsley@wellsfargo.com, stating it was best to reach him by email.

DATE: July 22, 2010
ACTION: phone call from Thomas at Wells Fargo just before 8 p.m.
SUMMARY: Thomas from Wells Fargo Loss Mitigation called, but when he looked through my files couldn’t figure out any reason why the auto-dialer had my number. No information needed, everything up to date. Took my email address at xxx.xxx. Reaffirmed Mark Tinsley contact info. said he had been assigned my file on July 19 and explained Tinsley would be the one to make the final decision regarding HAMP.

DATE: July 22, 2010
ACTION: Sent email to Mark Tinsley
SUMMARY: From: ****** ******** [mailto:xxxxx@xxx.xxx]
Sent: Thursday, July 22, 2010 10:00 PM
To: Tinsley, Mark
Subject: mortgage modification loan #XXXXXXXXXXX
 
Dear Mark,
Thanks for the call telling me you had been re-assigned to my mortgage modification after Michelle Rush determined she couldn't continue to work with me because my loan isn't owned by Wells Fargo.

I just wanted to check in with you to make sure you have all the paperwork you require to complete the review. I sent the HAMP starter kit information earlier this month -- it was delivered on July 8 -- and sent a whole slew of bank statements Michelle requested - that package was delivered yesterday, July 21. I understand Michelle already scheduled the drive-by, which she expected would happen within 10 days from the request. And she mentioned that she needed to pull a credit report, though I don't know whether she got that done in the few days we thought she was going to be completing the review of my request.

The Wells Fargo representative Thomas who called me at home this evening (for reasons neither he nor I ever really figured out) said you are the person who will finally be making the decision whether or not to grant my request for a mortgage modification, so it seems logical to me to start out our association by being absolutely clear with you and making sure you understand just where I stand. I want you to know from the start that this situation is becoming critical from my standpoint and the day when I can no longer make my mortgage payment is imminent. I have no intention of playing this send documents - wait - send documents - wait game for months and months (I see some internet reports of people who have been in that limbo for over a year!) until I have completely bled dry my savings and I have absolutely no resources to help me relocate, if that becomes necessary. In fact, I believe it would be completely irresponsible of me to risk being without resources at least equalling the deductible I would have to pay to activate my health insurance. As of July 1, the premium on my $2,600-deductible plan went up by 23 percent and I reluctantly made the choice to change to a $5,000-deductible plan so the premium would only increase a few dollars. At present, if I scrape together every dollar I have, I just about reach that.
 
In good faith, after reading many mailings from Wells Fargo urging me to contact my lender well before I reached the point of default, I started this process in mid-March 2010. I fully expected that, encouraged by the federal government, Wells Fargo would in good faith grant the aid I requested by the time the inevitable seasonal downturn in my business came about (think horseback riding lesson when it's 103 degrees out and you can easily see the reason for the reduction in income in July and August). That hasn't happened, and not because I didn't comply with every single request to provide the same documents over and over and over again. I have lost count of the hours I've spent in the phone queue and the number of representatives I have spoken with - all but one of whom was pleasant and courteous and some of whom genuinely seemed to be trying to be helpful - all the while getting differing and confusing and contradictory information week after week.
 
One perky but rather impertinent male rep. even went so far as to suggest that while I was waiting for a resolution, I should just get a part-time job or a roommate. As if the latter is as easy for someone on the downhill slide to 50 as it would have been in my 20s. And, as for the former, I am a journalist by education and years of experience -- a print journalist with experience as a newspaper and magazine writer and editor.
Think there are many jobs out there for me in that field? And my last employer before I went full-time into the horse business was a state university. Much hope of getting hired back there? I'm doing all I can to make my current business succeed. Eight-hour days working outdoors in the summer heat - it was 107 here one day last week - don't leave many resources for that extra job.
 
I am not sitting around looking for a handout and I do not live an extravagant lifestyle. I live in a modest house I chose because it was one of two available in the area where I needed to live when I relocated to Tucson to easily commute to a job in which the employer was in process of moving from one site on the east side of the city to a rural area southeast of the city. I resisted my realtor's attempts to get me to buy a bigger, more expensive house for which she assured me she could find a lender to approve me because of my stellar credit score. I bought what I felt I could afford on the salary I was promised for a job I was later cheated out of. I drive an 18-year-old Toyota pickup I drove off the lot brand new in 1992. I'm jumpy as heck because I have $3,700 in personal credit card debt ($4,300-plus counting the credit card I use only for business purchases). I am a farm kid who grew up on very little - we had plenty of food on the table, but I don't remember ever owning anything that wasn't purchased secondhand or on clearance, and that frugality has been a lifelong habit. Right now, it's just not enough.
 
The bulk of that credit card debt that, along with the prospect of being homeless, keeps me awake nights has grown lately by necessity, not by extravagance. My 13-year-old cat was diagnosed with diabetes and required both testing and ongoing meds. My 13-year-old German Shepherd developed a malignant tumor on his face that required surgery. And, in a good news/bad news scenario, what I thought was the steering going out of my Toyota after 220,000 miles instead was badly worn tires that had to be replaced for my safety. Yes, I suppose I could have chosen to put down the cat and the dog and save myself some expense. And I could have kept driving on those tires, hoping that when one blew I would be on a quiet city street and not doing 75 on the freeway. I chose to save the animals who are my only family members and not to risk killing myself on the way to work.
 
I have three specific questions for you, and I would very much appreciate either receiving a detailed answer from you or receiving the direct contact information for someone who can provide a detailed answer.

First, what are the specific criteria for the modification program for which I am currently being considered? It has taken Wells Fargo personnel four months to review the information I have sent to date to determine which program best suits my situation; however, I have yet to find anywhere in print any hint of what those criteria might be.
 
Second, I would like to know exactly what is the process for foreclosure in Arizona. From the date I first become delinquent to the date I must vacate, how much time elapses? If it comes to that, I have two cats and two dogs whose care and safety must be considered; therefore, I would very much like to avoid ending up in a situation in which I am given only a few days to pack and find a place to go.

Third (and I realize you even if you might as an ethical human being like to answer this, you might be precluded by the conditions of your employment from doing so) I would really like to know whether all this answering questions and resubmitting the same information over and over again actually has a prayer of ending up in my favor. I read the horror stories online about people being strung along for months and months of "lost" paperwork and misleading "promises" and I do have to wonder. And it's not just some crackpots who can't read the instructions (which don't, as far as I can tell, actually exist). The court case in Arizona last fall must have had some merit, though I can't find a report anywhere about the "Wells Fargo executive" actually testifying nor about the outcome.
 
So, if the situation described in this blog http://mandelman.ml-implode.com/2010/05/phoenix-couple-says-wells-fargo-is-the-loan-modification-scammer/ is what Wells Fargo is actually doing and what's in store for me, I'd really much prefer you would tell me now.
I could skip that particular stress and just start packing.
 
I certainly appreciate any assistance and information you provide and, of course, am ready to promptly provide you with any further documentation you might need from me. Email is probably the easiest way to reach me, especially with the time difference.
 
Sincerely,
****** ********

DATE: July 23, 2010
ACTION: Email from Mark Tinsley
SUMMARY: From: <Mark.Tinsley@wellsfargo.com>
To: <xxxxx@xxx.xxx>
Date: Fri, 23 Jul 2010 09:27:23 -0500
Subject: RE: mortgage modification loan #XXXXXXXXX
******,
 
Look for a response shortly from me with your loan number in the subject line.
Mark Tinsley

DATE:  July 23, 2010
ACTION: Email from Mark Tinsley
SUMMARY: From: <Mark.Tinsley@wellsfargo.com>
To: <xxxxx@xxx.xxx>
Date: Fri, 23 Jul 2010 09:30:45 -0500
Subject: Loan Number xxx-xxxxxxxxxx[  ****** * ********  ]
Good Morning ******,

I will review your file and answer your questions to the best of my ability. To reassure you, I am NOT a customer service representative, an associate in the collections department or someone in the call center.  I am an experience mortgage professional with over 15 years in various positions in my chosen profession. 

Once I review your file, I will inform you of the additional documentation required, if any, to move your file forward.  You may get phone calls from various customer service representatives asking you for documentation.  If I have not specifically asked you for it, just politely inform them that Mark Tinsley is assisting you with your modification and he has informed you of the specific information required to move forward. 

Additionally, other processors, underwriters and second level review personnel may call you and state that they are working with me.  If they ask for something, consider that as coming from me as well.

Right off the bat though, how the foreclosure process works in Arizona, I do not know.  That is a legal question and outside of my purview.  My responsibilities are to gather the required documentation from various sources for your application for the Federal Government Home Affordable Modification Program (HAMP), compute your income and forward to underwriting for a determination.

A quick look at your file indicates to me that you are not currently in default nor do I see that you are in a foreclosure status.  I will tell you that the Treasury Department, which establishes the guidelines for this specific government program, is quite restrictive in granting modifications to people who are current on their loan.  The basic logic being that if one is current on their loan, what is the extenuating hardship necessitating a modification? 

Does that mean you should start packing?  Trust me ... No.  Does that mean that someone who is current will not be granted a modification?  Not necessarily.  Allow me some time to thoroughly review your loan so that I can brief you on what I believe will be required to assist you in reaching a more comfortable financial situation.

Thank you for responding by email.  I will do everything that I can to assemble the best package possible to forward to underwriting for review.

Kindest Regards,
Mark Tinsley

MARK TINSLEY
HAMP LOAN PROCESSOR
WELLS FARGO HOME MORTGAGE
877.279.1649 X1668
mark.tinsley@wellsfargo.com

He did not answer my question about the specific criteria for the HAMP and he suggested that being current on a loan might exclude someone from qualifying for HAMP, which is absolutely not true.

DATE: July 23, 2010
ACTION: Received letter, dated July 19, from Wells Fargo asking for more documentation
SUMMARY: I received a letter requesting the following information:
        Listing Agreement
        Signed Purchase Contract/Est. Closing Statement       
        Buyer's Pre-Qualification Letter
In all the conversations in which I was asked whether I was selling my house and on the forms that asked that, I have always indicated that I do not intend to sell the house, I do not have it currently on the market and I do not currently have any offer on my house.

DATE: July 23, 2010
ACTION: Sent email to Mark Tinsley, Wells Fargo
SUMMARY: From: ****** ******** <xxxxx@xxx.xxx>
To: Mark.Tinsley@wellsfargo.com
Date: Fri, 23 Jul 2010 16:13:46 -0700
Subject: Re: Loan Number xxx-xxxxxxxxxx[  ****** *L ********  ]
Hello Mark,
Thank your for your prompt reply to my email and for the information you provided, especially for clarifying for me your position in Wells Fargo and your experience in the home mortgage field (which must certainly have been a much more fun profession just a few years ago than it is now).

I also appreciate the clarification about whom I might be hearing from and which people are involved in your area regarding the review of my request for a loan modification. On that topic, I am quite confused by a letter I received today, July 23, that was dated July 19, 2010. It asks me to submit the following information:
        Listing Agreement
        Signed Purchase Contract/Est. Closing Statement       
        Buyer's Pre-Qualification Letter

To my knowledge I have not at any time, either in writing on the documents I have submitted or in answer to verbal questions from any Wells Fargo employee, indicated that I either intend to sell my home or am currently in process of selling my home. However, having recieved the abovementioned letter, I am concerned that I unintentionally indicated such by marking an incorrect box/line on a form or my answers were somehow mistakenly recorded in the notes of one of the representatives. It would be helpful if you can tell me whether the former is the case so I can submit a corrected form. In the case of the latter, I expect that correction would have to be made from your end. 

Thanks also for explaining that my chances of receiving a mortgage modification may be adversely impacted by the fact that I have not yet defaulted on my loan. (Oh for the days when companies appreciated and were loyal to good customers ... I fear we'll never see that again in this country.) That is certainly not a situation that will remain fact for much longer. However, I have had occasion to read the accounts of people who stopped making their mortgage payments after they believed Wells Fargo personnel suggested they do so to improve their chances of being approved for a modification and take them as a cautionary tale. As far as I can tell, all that got them was a pretty quick foreclosure.

Finally, I did not really expect that you personally would be knowledgeable about the specifics of foreclosure law in Arizona. I have access to the services of an excellent attorney for that. I was merely hoping you could refer me to a Wells Fargo employee in Arizona who could explain Well's Fargo's procedure to me.

As you suggest, I will certainly trust you, for now, and be ready to provide any additional information you might require as you proceed with the review of my modification request.

Sincerely,

****** ********

HAVE RECEIVED NO ANSWER TO THIS EMAIL

DATE: July 26, 2010
ACTION: “Courtesy Call” from Wells Fargo at 7:15 p.m.
SUMMARY: A woman who didn’t state her name started to leave me a phone message to call Wells Fargo, but when I picked up the connection was so bad she could barely hear me. I asked if she wanted to hang up and call back to try to get a better connection and she said she did, but then she never called back.

DATE: July 27, 2010
ACTION: Resent unanswered email of July 23, 2010, with an additional inquiry
SUMMARY:
Hi Mark,
While you're at it, could you also please tell me why I just received, in an EXTREMELY URGENT DELIVERY Express Pac, a third copy of the Loan Modification Starter Kit? Do you want/need me to submit all the same information again that was delivered there on July 8? And, by the way, who is paying for all these urgent deliveries and overnight returns?

Thanks so much.
****** ********

From: ****** ******** <xxxxx@xxx.xxx>
To: mark.tinsley@wellsfargo.com
Date: Mon, 26 Jul 2010 18:49:06 -0700
Subject: Fw: Re: Loan Number xxx-xxxxxxxxxx[  ****** * ********  ]
Hello Mark,
Thank your for your prompt reply to my email and for the information you provided, especially for clarifying for me your position in Wells Fargo and your experience in the home mortgage field (which must certainly have been a much more fun profession just a few years ago than it is now).

I also appreciate the clarification about whom I might be hearing from and which people are involved in your area regarding the review of my request for a loan modification. On that topic, I am quite confused by a letter I recieved today, July 23, that was dated July 19, 2010. It asks me to submit the following information:
        Listing Agreement
        Signed Purchase Contract/Est. Closing Statement       
        Buyer's Pre-Qualification Letter

To my knowledge I have not at any time, either in writing on the documents I have submitted or in answer to verbal questions from any Wells Fargo employee, indicated that I either intend to sell my home or am currently in process of selling my home. However, having recieved the abovementioned letter, I am concerned that I unintentionally indicated such by marking an incorrect box/line on a form or my answers were somehow mistakenly recorded in the notes of one of the representatives. It would be helpful if you can tell me whether the former is the case so I can submit a corrected form. In the case of the latter, I expect that correction would have to be made from your end. 

Thanks also for explaining that my chances of receiving a mortgage modification may be adversely impacted by the fact that I have not yet defaulted on my loan. (Oh for the days when companies appreciated and were loyal to good customers ... I fear we'll never see that again in this country.) That is certainly not a situation that will remain fact for much longer. However, I have had occasion to read the accounts of people who stopped making their mortgage payments after they believed Wells Fargo personnel suggested they do so to improve their chances of being approved for a modification and take them as a cautionary tale. As far as I can tell, all that got them was a pretty quick foreclosure.

Finally, I did not really expect that you personally would be knowledgeable about the specifics of foreclosure law in Arizona. I have access to the services of an excellent attorney for that. I was merely hoping you could refer me to a Wells Fargo employee in Arizona who could explain Well's Fargo's procedure to me.

As you suggest, I will certainly trust you, for now, and be ready to provide any additional information you might require as you proceed with the review of my modification request.

Sincerely,
****** ********

Never ever got an answer about why someone at WF thought I was in process of selling my house.

DATE: July 28, 2010
ACTION: Attempted to reach Jessica Dahms by phone
SUMMARY: Called Jessica Dahms, (877) 242-4017 xt. 16141 to try to get answers to the questions that Mark Tinsley is not answering plus to find out 1) what other programs Wells Fargo personnel were considering during their four-month review of my mortgage modification request and 2) whether it was really true that I was only marginally eligible for HAMP because I am current on my mortgage.
Her voice mail picked up on the first ring, but the mail box was full so I couldn’t leave a message asking her to call me back.

I did online research and found much useful info. on the Freddie Mac website.

DATE: July 28, 2010
ACTION: Email from Wells Fargo
SUMMARY: Received an email from Wells Fargo stating “Documentation Needed” and listing “Borrower’s last two pay stubs,” and “Hardship letter.” I have explained to every person I have spoken to who has asked and written in all my correspondence that I DO NOT HAVE pay stubs. And I sent a new version of the hardship letter in the new “starter kit” packet that was delivered to Wells Fargo on July 8, 2010, so the date doesn’t need to be updated.

I phoned the number on the email (800) 416-1472 and spoke to Trevor in the Loss Mitigation/Loan Servicing dept. and he said there was a notation from July 22 that stated proof of income and a hardship letter were needed as part of the process to “validate information about a contract.” I asked him what he meant by a contract and he said it was a contract from Wells Fargo regarding my loan. He looked through my file and said as far as he could see, all my information was there and up to date.

I also confirmed with him that the notes in my file show the first information I sent was logged in there on 3/23/10.

DATE: July 29, 2010 
ACTION: Contacted Michelle Rush to try to get answers to questions being ignored by my new contact, Mark Tinsley
SUMMARY: Left Michelle a message and she returned my call. Explained about all the unanswered questions and asked her whether she could explain the process to me. She did give me some info. about how it works on the “Wells-owned” side, but said she really didn’t know how the process worked in the area of “non-Wells-owned” mortgages. She looked up for me to find out whether the drive-by, which she ordered on July 19, had yet been completed. It has not.

She suggested if Mark Tinsley didn’t contact me I should ask to speak to his “lead.” She looked to find out who that was, but didn’t have the information. She also sent Mark an email while we were on the phone.

Within about 15 minutes after I hung up from Michelle, I got a call from one of the misc. customer service people confirming for me that Mark Tinsley was working on my review.

DATE: July 29, 2010
ACTION: A few hours after the above conversation, received one-line email from Mark Tinsley
SUMMARY:
From: <Mark.Tinsley@wellsfargo.com>
To: <xxxxx@xxx.xxx>
Cc: <Ryan.Vernazza@wellsfargo.com>
Date: Thu, 29 Jul 2010 10:44:04 -0500
Subject: 708-0157080334

Hi ******,

Your file is in line for review today or tomorrow.

Thanks .. mark

Still no answers to my questions.

DATE: July 29, 2010
ACTION: Sent email to Mark Tinsley still trying to get at least one question answered.
SUMMARY:
From: ****** ******** <xxxxx@xxx.xxx>
To: Mark.Tinsley@wellsfargo.com
Date: Thu, 29 Jul 2010 12:04:24 -0700
Subject: Re: xxx-xxxxxxxxxx****** * ********

Hi Mark,
I appreciate the update. That's great news!

Could you please confirm for me that the review is being conducted under the requirements detailed in Single-Family Seller/Servicer Guide, Volume 2, Chs. 64-69: Servicing Nonperforming Mortgages, Chapter C65: Home Affordable Modification Program?
 Thanks very much,
****** ********

I never got an answer to this question. And apparently the review did not happen as stated.

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