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[Naeem Barbour]

Hey Guys,

For about 2 years it seems like I've been battling to get off of my forbearance plan with my bank. I've had the money from my tenants to pay for the mortgage but the bank has my online portal shut down and when I call I can't make a payment either. Initially when the pandemic started my tenant had stopped working and I had lost my job. I ended up renting upstairs on a two flat unit and my tenant on the first floor started working again.

Since then I've been issued countless numbers of loan modification packets in the mail which I would fill out and submit the requested documents. Each time I get denied for something new and I've been sending in THE SAME documents. They ask for a letter of hardship, the current lease that my tenants have including a WET SIGNATURE (even though we E-sign everything), and a notarized copy of the loan packet.  Every time I submit they tell me everything looks good and then I'll keep getting letters in the mail stating otherwise and letting me know my application was denied. Of course when I go to the branch everyone has an attitude for no reason and tell me I need to call "loss mitigation", who keeps telling me everything "looks good". I've been going through this since 2020 and I'm tired of the run around and scared I will default. Has anyone else been dealing with this or have any resolutions to what I'm experiencing?