Finding/Contacting one's "investor"...is it possible?

[Tom_Mi]

My home is serviced by Chevy Chase Bank (not the same as "Chase"). The note is IIB and not reaffirmed.

All I know is that my investor is from the UK, and my note is tied to the LIBOR.

I called Chevy Chase, and told them how nice I was because I'd be willing to settle my 2nd with another bank, if only they can help me with the terms on my house. ...and I don't necessarily need a writedown, just to get off the ARM with a reasonable rate.

They said: "Our investor has told us they won't do any modifications. Perhaps you'd like to consider a short sale?"

Is there any chance this is a smokescreen...and the investor might talk to me rather than lose 40k+ if I walk? (after all the home is IIB and not reaffirmed)

[StartingOver08]

Why don't you send the servicer a Qualified Written Request? You have rights under RESPA to get the information you seek: http://www.hud.gov/offices/hsg/sfh/res/reslettr.cfm
or here: http://www.ftc.gov/bcp/edu/pubs/cons...mes/rea10.shtm

Here is a sample QWR that is a little stronger: http://www.debt-consolidation-credit....php?p=1010971

Here is another sample: http://www.lsnjlaw.org/uploadedfiles...AppendixA2.pdf

Finally here is a very interesting case where GMAC Mtg tried to avoid answering a QWR of a debtor in bankruptcy and GMAC Mtg moved for summary judgement - and summary judgment was DENIED (Dec 2008). This particular case goes into great detail regarding the actual receipt of a QWR and the burden is on the mortgage servicer to respond. There are quite a few case cites that are interesting within this case. It is well worth the read if you are fighting your mtg company: http://noonanandlieberman.com/media/...ean_v_gmac.pdf