First of all, let me tell you this is one of the best sites I have come around in a long time. I've learned so much since finding this site.
Now, I have another dilemma that I need assistance with. For the last year, I have called, emailed, overnighted letters, and hounded Countrywide Home Loans to do a forensic audit on my 1st and 2nd mortgages because I felt they contained errors in the documents and/or during origination of the loans. Countrywide has pretty much ignored my requests and now I am facing a foreclosure filing sometime in the near future.
After learing about RESPA requests, I was able to receive a complete copy of my 1st mortgage loan closing documents (I closed in April 2004). After review of the documents, I was surprised to learn that the following documents were not signed by me because the signature is completely different than mine:
Letter stating “the inquiries on my credit is due to looking for the best rate”.
Request for Copy of Transcript of Tax Form
Truth In Lending Disclosure Statement
Good Faith Estimate
Good Faith Estimate of Closing Costs
Equal Credit Opportunity Act
The Housing Financial Discrimination Act of 1977. Fair Lending Notice
Mortgage Loan Origination Agreement
Notice to Applicant of Right to Receive Copy of Appraisal Report
My guess is the original loan broker I went too had to change these documents and signed my name to them without my knowledge. What scares me is Ameriquest (who sold my loan to Countrywide) didn't even compare signatures before funding the loan!
ddI'II have made a complaint to Countrywide once again and they say they will look into it for me but I don't believe they will actually follow through on it. Is there an agency I can call or write too seeking their assistance as well that will hold Countrywide accountable?
PlePlease let me know. Any assistance would be appreciated.