The Banks Have Been Bailed Out – But Where Is All Of The Money Going? (Part Two)
Posted by Michelle Moquin on 18th May 2009
Let me clarify when I said last week that I was having problems with Hope Now. It wasn’t exactly Hope Now that was not returning my phone calls, but one of their affilitate counseling services called ‘Springboard’. I have to say that with a name like that, they weren’t exactly an impetus that I expected them to be.
However, a few days ago, I had a break through. I decided to call back Hope Now and complain about my ‘Springboard’ experience. When I called them and explained the past several weeks events, they were very apologetic and said that they were going to get someone else on the phone from Springboard to assist me.
Within a few minutes I was speaking to Kyle Perry, another Springboard counselor. I again explained to him that I was having communication problems with my first counselor from Springboard and that I had not received my report form their company that I needed in order to move to the second level. Kyle listened and apologized for the lack of communication from his associate. He informed me that the report was sent out on the 6th of last month. I informed him that I never received it.
Without hesitation Kyle moved directly into motion on how he could assist me further by asking for my e-mail address so that he could send it to me while I was on the phone with him. Within minutes he e-mailed me all of the information that I needed and waited on the line to make sure that I had received it. So far Kyle had handled everything that I was hoping my counselor would do for me.
I then asked Kyle what exactly was going to happen when I spoke to another counselor in the next level. He kindly explained to me what their role would be and what Springboard’s role would continue to be.
From the short conversation that I had with Kyle, I felt that he was a person that really cared about my situation. He was so attentive, understanding, and compassionate that I decided to tell him of my experiences with my phone conversations with Wachovia. When I informed him that Wachovia offered their assistance to me because I was late in my mortgage payments and then denied me a loan modification because my mortgage was late; the rules had changed in the midst of the modification going through, he was shocked and said, ‘This isn’t right.’
I then told him that Wachovia informed me that they were not allowed to interview me for the ‘Homeowner Affordability Stability Plan’ because I have a second lien’ He went on to say that Wachovia could only work with the first mortgage and it would be difficult with the second from another bank (or something to that affect). I interjected by saying that my first and second were with Wachovia! At this point he said, “Then having a second shouldn’t matter. Michelle, this isn’t right. Do you have some time for us to get on the phone with them? I want to make sure that you actually have spoken with the loss mitigation dept. I want us to call them together.” “Of course”, I said. I was so delighted that Kyle was going to help me with my bank.
To make a long story short, Kyle was simply awesome. We got Jason on the phone from Wachovia who listened to all of the concerns that both Kyle and I had. We also went over all of my previous conversations that I had with Wachovia. Jason informed us of the new ‘Map Program’ (by Titanium Solutions) that was going to be available to those that held mortgages that were current. Thankfully, I fell in that category. Right now the programs that are available are only available to those that are close to going through foreclosure. Thankfully, I don’t fall in that category.
Kyle asked questions and made statements that I felt were in my best interest and made sure that my file would not fall through the cracks and get lost. He wanted assurance that my file was updated and that although he understood that those in foreclosure needed help now, he wanted to make sure that this program would be available to me so that I didn’t turn out to be in the same foreclosure position in the near future. When Kyle asked when this program would be available to me. Jason said that he did not know. Kyle did not give up. He asked, ’30 days? 6 months? – Can you give me a date?’ Jason informed him that this program should be available within the next two weeks and no more than 30 days, and that they would contact me. However, I could also call back, and check in with them. Of course I noted in my Palm Pilot to alert me to make that phone call in two weeks.
We finished our phone conversation with Jason. I chatted for a few minutes more thanking Kyle for giving me such great support and service. I asked him if he could be my counselor, as I felt so comfortable with him and he now understood my position thoroughly. He was very thankful for the praise, and happy that he could help me. He ended by saying that said he learned everything from my counselor and assured me that my counselor would work in my best interest also. However he did say for me to cc him in any future correspondence should I have any more problems and just to keep him posted on my progress. “You bet I will”, I said.
So, there you have it. I have not given up on Wachoiva or Springboard. Thanks to Kyle, I have the report that I need and today I am calling to schedule a meeting with the second level counselors. In another week, I will be making that phone call to Wachovia to inquire about the availability of the Map Program.
Oh…and before I forget, I did as Robert suggested and sent e-mails to my representative and congress, and to no surprise I have not received one response back. However, it has only been a little over a week. We’ll see if I get a response this week.
I have a little bit more hope than I did last week. I will continue to blog about my experiences contemporaneously. Please share your stories too. I know that many of you are having the same challenges that I am, but if you are having any successes I’d like to hear about that too - Thanks.
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Hi Al: First of all , thank you for signing the petition.
Secondly, I usually bring to light women’s issues because I am passionate about women and women’s issues, and quite frankly, when women are in charge of this planet, and men are treated like second class, I will jump on the bandwagon and bring the men’s issues to light – okay? Presently, it is usually men who are in charge of making these decisions over women’s health. In my opinion, no woman in her right mind would ever vote for a woman to leave the hospital 2 hours after a mastectomy, nor would she approve the type of care that you received during your reconstruction surgery. EVERYONE deserves the time they need to heal and to be taken care of by a professional.
As an example, Modern Healthcare and Modern Physician vote every year on the 50 most powerful physician executives in healthcare. This year the top person holding the position is a woman (Yeah! Congratulations Carolyn Clancy!), but there are only 6 other women who made this year’s 50 most powerful list! Men have most of the power here. And although the readers vote, you can see that the majority are voting for men. So….
…in light of Robert’s comment a few days ago and Tal’s comment that I posted yesterday, in regards to women being the majority of the voter population, I will say, “Shame on you women out there that haven’t been supporting women. We have a majority voice and it needs to be heard.” I know I’m being redundant but sometimes things need to be said over and over again until they sink in. So here it is again; an excerpt from Tal’s comment:
It is my opinion that as long as women continue to ask a man for equality rather than simply taking her place along side of him by force of will, she will remain a second class being dependent upon the mood of the 1st class being for her level of comfort.
Before you get upset, examine the state of women in america today, honestly. She has the numerical numbers at the polls to elect a woman for every single office in the land. Yet, she consistently elects males over females. When those males she elects take office, she pleads with them to understand her plight as a woman. Duh, you think it would occur to her to elect a woman. If the supreme court were equally or 5 Women (as it should be according to the population numbers) we would not be hearing all this debate about what a woman should do with her body.
Women readers: Do you get it? Now, let’s do something. Let’s take that position along side of men.
Back to you Al.…
Thirdly, you are right, our medical system is a joke. And like Connie I would rather have our government accountable than an insurance employee. The bottom line should always be safety first for the patient, not whether they’re saving a buck or two.
Connie: Thank you for sharing your story. I am sorry to hear about your mother and I hope that she is doing well now.
Juanita: I wouldn’t call that a ‘nice quiet poem’, but it did make me chuckle.
Gratefully your blog host,
michelle
Aka BABE: Your Bad Ass Bitch Editor
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