Let’s see if they follow through with their loan

Not getting help modification promises????

from Bank of Email Bank of America executives by

clicking here

America? Here is Please join the Bank of America &

Countrywide Home Loan Forumwith thousands of
a special email people just like you that you can share yopur story and hold B
OF A accountable.

form to get help Related Posts:

today! • Barbara Desoer to take the helm at

Bank of America?
• Bank of America Buys Countrywide
by Moe Bedard · 154 comments for $4 Billion
• I feel for you, and I know how
in Mortgage Servicers difficult dealing with COUTNRYWIDE
can be
• Countrywide Home Retention Division
Gives Single Mother a Great Loan
Modification
• Ohio homeowner sues Bank of
America

Tagged as: Bank of America, Bank of America

home loans, Bank of America loan
modification

{ 154 comments… read them below or add one }

1 Jeremy September 20, 2009 at 11:06 am

For over a year excuses from Countrywide and now

Bank of America. Horrible they refuse to help me
because I am not late on my payment a rep told me
while laughing at me over the phone that I was just a
This number and my number isn’t up yet. Moe Bedard
blog and my forum reach a lot of Bank of America from LoanSafe.org sent you and that you will share
customers and it seems many homeowners are not your story on
getting the help they deserve. So, they have set up an email
that you can email for help via CBS Channel 5 News Phoenix,
2 jessica September 21, 2009 at 2:46 pm
AZ and they have promised to help you.
i have been fighting with bank of america and
Have you had challenges getting your home loan
countrywide for 2 years now without making any
modified through Bank of America?
home pyms. and i havent lost my home yet but they
keep putting my off for a loan mod. i have talk to 225
Fill out the form below to send the bank an e-mail expressing people in 2 years and i have all their names and the
your frustrations. All information is secure and confidential. A dates and times i spoke to them! what they hell i am
Bank of America representative said he guarantees a timely suppose to do if no one is willing to help me!
response.
3 iris baizer September 21, 2009 at 3:29 pm
Please say that Moe Bedard from LoanSafe.org sent
you and that you will share your story on
LoanSafe.org/forum in the Bank of America forum.
 BoA; We were working with Green Credit Solutions
until they got into trouble and changed their name to
Guardian and moved down the street to another
address. They sent you our information 3-times
regarding our modification and we have sitting in our
house for a year and a half and our principle keeps
going up, we are so up-side-down and no one at your
bank will help us. My other half has been in and out
of work, now working taking a big cut in pay. We
need help to get this subprime loan modified, now.
4 Susan September 22, 2009 at 8:24 am
Our mortgage is with Bank of America. My husband
and I filed with the mitigation department two
months ago to try and get some relief/help. We are
finding the bank very unwilling to help. They told us
that they are very far behind and it may take 6
months or better to even review our request. We
followed a suggested letter format we found on an
internet help site and sent them all the documents that
they requested. Yet, they are in no hurry to help us.
We are two payments behind, and yet they still show
no interest. When we follow up, they don’t have any
new information for us. We are just waiting to see if
they will even consider our case! They told us that
they do not have to help us and aren’t even certain
they will. Truthfully, they do not seem eager to help.
We did not purchase a home that we could not afford.
However, due to this Michigan economy, my husband
and I have both taken major pay cuts. We are down
over $30k per year from last year because of layoffs,
furloughs and changes in our pay rates. We love our
home and want to keep it. We owe a little more than
it is now worth. (And yet, why are our taxes still
based on the old value?) We take very good care of
our property and are not abusive. It’s value was
$235,000 at time of build six years ago, and now it’s
value is around $150,000 because of the housing
slump. We owe approx. $218,000.
ALAS! A follow up! My husband phoned them last
week and the representative told him that we were
denied on July 9th. They said that they called to
verify our income on July 9, 2009. THIS IS NOT
TRUE! The packet was just received by BofA on July
7th, 2009. We have a US Postal receipt. My husband
called on the 9th to make sure it was received. NO
ONE SPOKE WITH HIM ABOUT INCOME
VERIFICATION! Also, BofA records had my
husband working for the company that I am
employed with – HE DOES NOT WORK THERE!
They also had our income at well above where we
really are…HOW DID THEY COME UP WITH
THAT? Since BofA recorded every phone call my
husband made (by the way they hung up on him at
least twice), we would like copies of the recordings.
We would like to see where BofA comes up with the
facts that they did? We want to hear the phone call
they SAY they made on July 9th – that they never
made! We want to know why we were turned down,
and why the representative just “willy-nilly” came up
with new figures for our income? She said, “well, Mr.
French, let me remove $300 from your monthly
income and see if you are then eligible”
WHAT?????? How do you figure that???? This is so
crooked, please explain to me, will you?
5 Susan September 22, 2009 at 8:36 am
Did anyone read the CNN content from the Political
article “Homeowners frustrated by mortgage
assistance program” ? I am leaving the link here:
http://www.cnn.com/2009/POLITIC
S/08/31/homeowners.mortgage/ind
ex.html
6 Amy Daniel September 22, 2009 at 3:24 pm
I want to add that Bank Of America sucks!!!! Our
mortgage got sold to BofA ( not by our choice of
course) …They are not willing to help you at all.
When you call to talk to them them do not even care,
htey talk to you like you are an idiot!!! I am so
frustrated with them. They have us not qualifing for a
loan modification but HELLO my husband is layed
off. We just told them that they could have our house
with a big shinny red bow on it. F#%^$ them!!!!!!!
7 Susan September 23, 2009 at 6:46 am
Amy: They are about to get ours too. Unfortunately,
they are going to find that it isn’t worth what is owed
on it. By helping us with a modification, they could
avoid another house on an already very sad market.
We live in Michigan where the unemployment rate is
at 17%. They should take that into account. “Ain’t
nobody” buying houses in this State right now. This
will be another sad story where the house will sit
empty for a year, the pipes will burst and the home
will be vandalized before BofA can get it sold.
8 Teresa Gunsby September 23, 2009 at 10:09
am
I have had problems trying to get my loan modified
for months everytime I speak with someone at Bank
of American I am told there is nothing they can do. I
am a single parent trying very hard to keep a roof
over me and my three childrens head. Obama pass
this plan to help homeowners keep there help and
from what I can understand BofA received quit a bit
 of this money. Why can’t there customers get the help
they need.
9 Heather September 30, 2009 at 12:54 pm
I am interested in having a specialist assigned to my
account so that I can continue to pursue a Loam
Modification. I have been locked out of my online
countrywide/bofa home loan accounts so i’m not able
to correspond, in writing, through the website. Phone
calls to and from the Countrywide/BofA Loan
Modification department have been fruitless for over
a year now. I’ve spent hours literally on on the phone
with India (there’s partof the problem) which is why I
would like one person assigned to my account so that
I may correspond directly with them. My email is
included on this form. Also, I have not been able to
find a mailing address for the Loan Modification
Department. Can you provide me with that as well?
Thank you so much much for your help.
10 Michele Freeman October 1, 2009 at 6:49 pm
Please do not publish my previous post. I thought it
would go directly to Bank of America. Please forgive
my mistake and remove it immediately if it has been
published. You have my permission to forward it to
Bank of America if you have access to them. Thank
you so much for your help in this matter.
11 Stacy October 1, 2009 at 10:12 pm
I am losing trust in banks these days and our country.
B of A has been inconsistent at many levels.
Supposedly, you call one department and it only stays
in that department. They all can take your money but
not share information with one another. Crooked, if
you ask me. They are very unorganized and won’t
admit it. I don’t know who to trust anymore. I sent in
my loan modication by fax and now they say that I
was supposed to mail instead. Make up your minds
people. The people trained there say something
different each time I call. None of them take
accountability. They are playing hard ball and sooner
or later it is going to put our country into a bigger
whole. I am seeking better customer service and
truth. I am being led on for months. We are in no
position to play games or fall victims to empty
promises. I’m fighting and I’ll go down fighting for
my home every step of the way.
12 auroon October 2, 2009 at 4:24 pm
My wife and I are sitting here reading these
comments, and are just shaking our heads, and
agreeing with everyone. It’s been a year since we
have not made a payment to B of A. We’ve been
speaking to the customer service practically 4 to 5
times a week to see where our modification process is
at, and everyone at the customer service dept. says
different things to us, from it could be any day now to
it may not happen or that we need to show more
income or we need to have someone rent part of our
house. B of A approved our modification back in
April 2009. Then they said we were denied because
we did not send back the information requested on
time, even though we registered the mail with the
post office and have a receipt confirming deliver
within three days of receiving the package from
them.
13 Karen Talarczyk October 3, 2009 at 6:31 pm
If all of you think that you have it bad listen to my
story, and I hope The bank of america reads this. My
house payment is $699 a month intrest only, (a loan
that I did not ask for,but when they came to our house
for us to sign the papers we found out then that
country wide was giving us a intrest only arm untill
2013, ( a bunch of crooks, they should be in jail), and
at the time we needed th small amount of money that
the refinance would give us, and we were told that we
would be able to refinance again in a year or two.
Well as you can see we are not able to refinance, as
our house is not worth what we owe on it. In May of
this year, as my husband is retired from Chrysler, and
so much is being taken away from us we are having a
very hard time making ends meet. (we are in our late
sixties), and live in Michigan. Bank of America
offered us a modifacation of $775 a month, DAA
that’s more than we were paying before, so we did
not sign the papers. Now we are trying to send extra
money to catch up on our payments, and they wont
send us a statement. I just recieved a statement today
a month late saying that I had to pay $958 dollars or
thay were going to start foreclosure on our house. In
May of this year our house payment was $699, and,
being that we are having finanical problems I only
sent $430. and owed $269, and in June I sent $500,
leaving me owing for the month of June $199,and
altogether $468, but they don’t figure that way, they
add late paymants, and go back a month ,so for less
than five hundred dollars they want to forclose on us,
and now they want $958 or they will go ahead with
this I think that we as tax payers that bailed them out
that they should be willing to work with us, or we
should file a class action suit against them, as I don’t
think they are doing the same to help people as a lot
of the other mortgage company’s are, and I’m sure
that Obama didn’t want this to happen in this way, he
wanted to help the people that were in trouble, and all
the Bank of america is doing is making the stress so
bad for all of us that are already stressed out, because
we have financial problems.
Another thing I have to say is that I have never in all
 my years delt with such rude people in my life, they
say that it is being taped, than BANK OF AMERICA
SHOULD REVUE THE TAPES.
14 Susan October 5, 2009 at 9:51 am
FYI – The link to Bank of America expired a few
months back. These emails are not getting to the
executive at BOA.
15 Ryan October 5, 2009 at 11:01 pm
I had a countrywide loan (now B of A). After losing
half my monthly income I had called several times,
being d/c, talking to unwilling reps, etc. Finally
figured out to just keep calling until someone sounds
like they want to help. Finally got a modification
packet and was approved. Sent the fed-ex envelope
back to them and made payments over the phone for
4 months until one was kicked back. Each time I
made a payments asking if the modification has been
complete. They replied it may takes months to update
and to make payments as noted in our modification
and to find out that they never received the fedex.
Now I am in the process all over again. Trying day
after day. I dont know why these people at B of A are
even working there, only about 19/20 of them will
ever help! In review status again…hopefully I can
save my house
16 Susan October 6, 2009 at 6:46 am
Good luck, Ryan! I am under the impression they are
just not qualified to help their mortgage customers.
They are not trained not do they have the proper
staffing. If the executives gave a damn, they would
ratify this.
17 Troy Adkins October 7, 2009 at 5:09 am
I have been trying for over a year to get a loan
modification with Countrywide/BAC and to no avail
I’m still getting the runaround. I have sent in all
requested documents numerous times and I get the
same lame excuses. My wife is constantly worried
that we may lose our house. As it stays on my mind
also. How long will it take to recieve some help?
18 Kim October 7, 2009 at 6:34 am
We have had the same issues with Bank of America.
We had been asking for a modification since Sept. of
08, finally got a fedex packet saying we were
approved for a modification and gave us specific
instructions regarding signing and returning
documents by a certain time. We did everything
exactly as asked, notarized, etc. We’ve been sending
our payments in to the address listed in the
modification docs by cashier’s check and certified
mail. They sent us a second set of documents a week
after the first set that were for completely different
modification terms, leaving our interest rate the same
and adding a ton of fees. They said that they were
offering us two different programs and whichever set
of documents that we sent back to them last would
supercede the first. I think that is a very underhanded
thing to do since both sets of documents look exactly
the same and they waited a week to send the second
set, assuming you would send them back last and
then be stuck in the same interest rate as the original
loan. Then they called us to see why we hadn’t sent
back the second set of documents yet, and acted like
it was necessary to do the loan modification. We told
them they aren’t getting the second set back because
we weren’t choosing that loan modification plan.
Sneaky!! Anyways, now they aren’t sending us
statements with our new terms, they keep giving us
the runaround every time we call them, and I’m
concerned that the loan modification hasn’t been
completed. They’re still reporting us to the credit
bureau as being late on our payments and that we
haven’t made a payment since June 09. That’s not
true, we’ve sent our payment every month since the
modification!! I don’t know what to do!
19 Molly October 7, 2009 at 3:36 pm
September’s payment was late , Bof A admitted they
received it
on the 25th , payment was not over 30 days.
However, I received a call which was outsourced to
India. The
nature of the call was to advise me that I should
consult with a
credit counselor. I requested the number for the loan
modifcation
department instead. I was unable to get this
information as my
loan is current? Why then am I being called? My
house is upside
so cannot be refinance. I did find out that B of A is
sending letters
to HomeOwners who have not even requested loan
modifcations.
20 Rodel October 7, 2009 at 11:36 pm
I have my 1st & 2nd mortgage with CountryW/BofA.
I have not pay my mortgage since Dec.08. I tried to
talk to them in Sept. 08, because I lost my job. The
respond I got was (I’m sorry Mr.Sablay but looking
at our record you are current on your loan and you
can afford these payments, you were never late.
There’s really no program available for you) I could
 not believe what I’m hearing. After numerous phone
call and few months later, I was finally refer to the
HOME RETENTION DEPT. Believe me it has been
an adventure. Calling about once a week and always
gettting different answers, and they keep telling me
that my no. is not up yet.
21 Dixie October 8, 2009 at 8:22 am
We are already approved for a modification, but the
papers got lost the first time and we had to resubmit.
We have been making payments in the meantime to
keep up our credit. BOA took our money and
reported us delinquent to all 3 major credit agencies.
Our loan person Travis Wallace is unreachable. Does
anyone know of an alternative way to contact these
loan negotiators?
22 Joe October 8, 2009 at 12:04 pm
I too am trying to get a loan mod from
bofa/countrywide and they seem to be giving us the
run around. Every week it’s a different person telling
me a different thing, one week they say they got my
loan mod request packet another week they say they
never received it, WTF? Do you have it or not? This
is a big game they are playing with us. It’s corp
American against the Middle Class and we must
unite to be heard as a single loud voice. I am very
tired and fed up with there lack of effort to help
people in need. We need to unite and send one single
clear message to them which is this will no longer be
tolerated or accepted. I will be starting a blog against
them I would love for everyone on here to join. We
need to get their attention as a group and not
individuals. They like to divide and conquer, and I
say F**k that! email me for more info on upcoming
blog.. Let’s put the pressure where it really belongs
on them and not us…. the hard working middle class.
liltyk916@yahoo.com
23 Ron Koenig October 8, 2009 at 12:08 pm
I followed the directions of Countrywide/Bank of
America and it is clear that I am no closer today than
I was 10 months ago in resolving this issue. I have
spoken to countless customer service agents,
negotiators, and others who happen to answer the
phones for B of A and their answer is the same,
“you’re doing everything correct, just give the
process time.” It seems clear to me that the bank is
stalling. Who knows why. Could it be that they are
waiting for MORE tax money to bail them out. Or,
could it be that they have no better option at this
time. Homeowners who stay in their house, maintain
it, and remain in the dark are doing exactly what the
banks want. Home values will someday rebound and
that becomes a better scenario for them. It does not
address the problem, which was created by the
banking industry.
24 Christine E. Smith-Torres October 9, 2009 at
2:16 pm
Bank of America, there is something very wrong
here.
Be on the look-out for a major collaspe if things do
not get better with their infrastructure in doing
business.
25 Candyce Reiber October 9, 2009 at 4:41 pm
NEED A MIRACLE …….THINK OUTSIDE THE
BOX…..GET SHORT SALE TO INVESTOR AND
APPROVED OR DENIED.
Same buyer, same seller. Everything approved by
investor in August. Then review appraisal came in
low. Please review new loan, Hud, and
appraisal…….everyone is on hold at this point!
/Buyer will pay cash and close in 2 days with
approval!
26 Susan S October 13, 2009 at 7:02 am
I’m so ticked off At BOA right now I’m ready to
contact a lawyer.
For 8 weeks now we’ve been told our re-fi loan has
been in underwritting..We get a message on our cell
this morn from someone from BOA asking if we still
wanted the loan because it was getting ready to be
sent to the underwritters. What?!!! I am so sick of the
lies!!!
27 scott D October 13, 2009 at 11:29 am
Because of my relocation , my new wife can not tale
her children out of the county she lives in I have been
forced to sell my home under a short sale. Bb of a
won’t talk to me and I have given them everything w-
2’s paystubs listings estimated hud you name it . My
realtor has kept me in the loop – Just no word from b
of a!!
28 Catherine October 13, 2009 at 7:09 pm
I too have been given the run around from
BofA/Countrywide. I have been trying to sell my
home since September 2007 and a year later I
realized that it was a loss cause and would have to do
 a shortsale. I was told in order to get the help I
needed, I would have to be late. You are not a priority
until you are no longer a source of income to them.
Needless to say I stopped making payments in the
summer of 2008, and here it is over a year later, and 3
failed shortsales and i’m still in status quo. I find it
odd that all these lenders have taken tarp money, but
are not helping the customers out, instead they
continue lending risky mortgages that are only going
to default when a huge flood of foreclosures hit the
market. With unemployment increasing, that only
means one thing; more people will be like us and will
not qualify for loan remodification. It seems that tarp
money is not being spent on resolving the issue, just
to fuel the fire of this mess! After reading everyone’s
post i’m starting to realize just how hopeless this
whole situation is. Good luck to everyone, you will
certainly need it! I’m curious if there is anyone out
there who has actually been approved for shortsale
through countrywide/BofA? I don’t know if I would
believe you.
29 Michelle W October 14, 2009 at 4:05 am
I have been trying to get a loan modification since
March 09. I lost my job in January 08, and that
reduced my income significantly. I can’t afford the
current payment. I faxed in the documents, just like I
was told to. When I called back a week later, I was
told that they had not received the paperwork. I re-
faxed, and mailed (certified/priority) the documents. I
got the same response. Each person I speak with, tells
me something different. B of A doesn’t want to work
with me, that is the impression that I’m getting. I
mean, they took government bail out money, so they
should be willing to help.
30 Lyn W October 14, 2009 at 12:17 pm
I have given up trying to deal with Bank of America!
My investor is FannieMae. My loan was taken out in
2002. Although I experienced a substantial decrease
in income June 2008, I was able to keep payments
current until March 2009. With savings depleted and
at the point of imminent default, I began calling BofA
for assistance in January 2009–only to be told there
were delinquent homeowners in more difficult
situations than mine and I wasn’t late on my
payments. I was told there was nothing that could be
done for me because my home had lost value and
couldn’t be refinanced.
Then in March 2009, I became delinquent–in April, I
borrowed enough to make a payment. In July 2009,
BofA filed foreclosure papers and I received MHA 3-
month Trial Period paperwork–which reduced my
monthly payment down to 31% of my gross income.
This was a major relief! I continued making the
‘modified’ payments, with the last one October 1st. I
noted two events happened each month that I made a
payment under the trial program: 1) the foreclosure
date was postponed and 2) my payments were not
posted until after the 16th of each month. However,
after making the last payment in October, the
foreclosure sale date was not postponed and was set
for Nov. 9th. I called and spoke with BofA’s Office of
President, Customer Relations rep, Nancy Urrutia
(805-955-7435), who proceeded to tell me the
following: A) I needed to resubmit new paperwork
(bank statements, income, expenses, hardship letter–
the whole works) because the investor won’t look at
anything that is older than 60 days; B) I was NOT
under the MHA Trial Period, but a special
forebearance because BofA only wanted to see if I
could make the reduced payments; C) the payments
that I made ‘meant nothing because they were not full
payments’. I responded that the paperwork I received
from BofA in July was under the Making Home
Affordable Modification Program (3-month Trial
Period), to which she replied that it wasn’t! I told her
I felt BofA had performed a ‘bait and switch’ job on
me, at which point the conversation went downhill
from there! If I resubmitted the paperwork, would the
foreclosure date of Nov. 9th be postponed since BofA
needed 30-60 days to review the paperwork–the
response was “No!” Next, I asked if I could have
time to list the property for a short sale — Answer:
The foreclosure date would ONLY be postponed if I
had a Buyer at the time I requested a short sale
review. Next, I asked if I could do a Deed in Lieu of
Foreclosure — Answer: No, because I was never
under a MHA modification and hadn’t had a short
sale denied. At this point, I told Ms. Nancy that I was
stunned at how I had been misled; that BofA was
acting in a deceptive manner and I was so beaten and
fed up with trying to work with BofA that they could
go on and foreclose on my house…I had had it and
will turn over my keys to BofA! She told me she
would make notes in the file to proceed with
foreclosure.
So BofA scores another victory! I am a senior citizen
and wanted to hold onto my home at all costs, but 10
months of struggling with BofA is more than I can
physically and emotionally deal with. At this point, I
don’t care anymore and will gladly pack my boxes
and move. Apparently, a MHA trial period from BofA
means nothing—you aren’t going to get a permanent
loan modification! I really feel scammed by BofA.
They dangled the ‘modification carrot’ in front of me,
keeping hope alive, when, in fact, they weren’t going
to work out a permanent modification at all. I was
only chasing my tail!
 Once the foreclosure takes place, all this will be
behind me and I can move forward. My best to all of
you and sincerely wish your end result will be better
than mine.
31 Alley October 14, 2009 at 4:24 pm
Mechelle W.,
I would suggest you go out and buy yourself a
recorder put your phone on speaker , when the
recording comes on or the customer sevice rep tells
you that your conversation will be recorded for
quality control just repeat that you are recording it for
quality control.
Speak to someone about what you sent in if they say
they do not have your package give them a verbal
application over the phone {be prepared) to tell them
verbally your hardship and financial info of what you
plan to send them ,while you are recording it. Ask
them for a fax number to send it again .I know you
have one yet you want them to tell you . Once this is
done take their name and badge number ( Very
inportant) After going thru the motions wait a couple
of days for them to upload your information if this
has not happened and they claim not to have any of
your information again,demand to speak to A
MANAGER OR SUPERVISOR.
Let them know what you have been diligently trying
to do make sure you also get their name and badge
number , hopefully you can let them know the call is
being recorded as well. If you do not get satisfaction
from that, you must take it to the next level call in the
talk radio, and consumer advocates, most cities have
an advocate radio station.
Good Luck
Alley
32 Chris October 16, 2009 at 7:11 am
I have been fighting with bank of america and
countrywide for 1 years now without making any
home pyms in the last 6 months. and i havent lost my
home yet but they keep saying it’s in review. I Can’t
believe that bank of america has taken the
goverments Money and promised the goverment they
would help people in need, but i am finding that is
not the case, I have talk to BANK OF AMERICA
OVER AND OVER, CALL THEM EVERYOTHER
DAY. Just keep getting the answer it’s in review give
me a break what in the hell i am suppose to do if no
one is willing to help me!
33 Cristy October 16, 2009 at 8:40 am
UGHHH!! Why does this have to be so difficult?? I
thought I was being proactive by calling
Countrywide/BOA in April ‘08, in plenty of time
before our interest rate would adjust. My husband
was laid off and we knew that by the time the rate
adjusted and if our situation hadn’t changed, we’d be
strapped. BOA told me that we were not a priority at
that time and that we needed to call closer to our
adjustment date. I waited and called in April ‘09
since we were due to adjust in July ‘09. They again
said we were not a priority, in fact, according to them
we were “golden”….. “the perfect customers”
because we had never missed a payment or been late
on one. I said that things were really getting difficult
and that my husband was still laid off…. money was
really tight and how do they know where we were
coming up with the money to pay the mortgage? I
said we were having to use credit at that point and
couldn’t continue down that path. Again, they said to
wait. I asked if I should skip a payment and would
that make a difference? Of course they said they
could not recommend that! July came and our interest
only loan adjusted…. it went up almost $500 and we
now are unable to pay the full amount. In early July I
contacted our governor’s office and they were able to
get someone assigned to our case at BOA. That
seemed good….now we were going to be talking to
just 1 person and finally get some help. WRONG!!!
She continues to make us play the waiting game.
We’ve filled out all the paperwork and continue to
wait week after week, month after month and still
nothing. Apparently we’re suppose to be getting
some paperwork in the mail??? And then what??? In
the meantime, the bills continue to come!!! We do not
want to leave our home and just want to get some
help! Obama’s program was suppose to offer help to
people like us. I’ve honestly never been so frustrated
in all my life!!
34 Amy October 20, 2009 at 9:54 am
I had the same problems as you all are having with
Countrywide/Bank of America with my home loan.
Each time I would call them, the loan would be in
“work-out” status. Meanwhile, they kept setting sale
dates, why would they do that if it was in “work-out”.
I then called Home Owner’s Counseling. I was
definitely skeptical and had been taken advantage of
before by a loan mod. company who took $1800
from me and never helped with a damn thing. Home
Owner’s Counseling is legit and I received my loan
modification packet via FedEx just a few days ago…
if anybody would like to contact them, it would be
Mark Mairone at 215-357-5001
35 Linda October 20, 2009 at 1:29 pm
Bank of America are robbing all of us blind. I did an
interview on the phone with one of there counsler’s
for almost two hour’s and we did all the paper work
and she told me that i was intitled for help, but that i
 had to call BOA and ask for a hardship package and
when i did that the first thing they said to me is are
you calling to make a payment. I am so fed up with
these people. They do not help you at all and
somthing need’s to be done about this. It’s not fair . I
could lose my home because they will not help me. I
f anyone know’s were i can get some real help, please
drop me an e-mail at
handymanpayne@yahoo.com and my
name is Linda
36 ann brown October 20, 2009 at 6:13 pm
We are 3 pymts behind on our boa loan. Which we
used to pay Taylor Bean. I just sent in my loan
modification paper work and then get a package
asking for my social security number and a copy of
my driver’s license because they are not showing a
record of me.. well good maybe my house is free..
37 R Lindsey October 22, 2009 at 2:27 am
Yep Yep. Everything that was said by everyone is
100% TRUE. I am so disgusted by how
unprofessional these so-called representatives are.
Everytime I see a Bank of America commercial or
logos. I get so digusted. I used to have a bank of
america account and credit card but closed that. I
don’t want them to have my business. I don’t want
anything to do with them at all. I tried to get the loan
mod thing, but yes I also get the run around. One
time I was also threatened by one of the rep.
I hate how everything is about money. Should these
banks be fined steep fees or arrested. They are giving
us the run-arounds and giving us misleading
information to the point of fraud. They are defrauding
us and taking our money. This is the PONZE scheme
of the housing market. We are not irresponsible, we
work hard. Due to social-economic situation we are
forced to ask for a little bit of help, and what do we
get? We get the run-arounds and emotional stresses.
We have other stuff to worry about, we shouldn’t
have to worry ourselves to the ground because of
this. I don’t know who BOA is owned by or what
other financial institutions they own, but all the
financial conglomerates should work together and
help the Amercian people. Don’t claim to be Bank of
America, when you are not doing anything for the
American People. We need help !!!!!!!!!!!!!!!!!!!
38 Mark W October 23, 2009 at 5:22 pm
We too have been getting the run around for a year
now. We signed and notorized our California AG
Lawuit modification in March. Then just found out
last week it was denied in July? How can that be. We
made payments and those were put aside into a
partial payment account. BANK of AMERICA is
pulling some sort of scam. We all need to join in a
lawsuit and call our state reps and senators. Im not
losing my home to these idiots and their runaround.
39 Mary G. October 25, 2009 at 5:23 pm
OMG… Theyre pulling the same garbage on us. We
have 5 kids, one is disabled. We are in our first home
for 7 years now. One of our kids was having heart
problems and we got behind. I did send payments we
just couldnt afford the entire ballooned escrow too. I
sent a payments for $600 in July and then I called on
July 28th to get a payoff amount. they quoted
1877.15 and I mailed it the next day. They also
cashed the 600 that day but the following day they
put our house into forclosure. We were 800 behind on
the house and 1000 on the escrow. Then they sent us
the 1877.15 back. I called and they stated that it was
an “accidental Forclosure”. The next day I called
again and they stated the same thing. They said dont
worry give it 2 weeks and they would have it
resolved.. I hired a lawyer…. They told him the same
thing and they pulled it out of forclosure 2 weeks
later but now they cant seem to give us a pay off
amount to reinstate the loan. And they wont accept
any money from us. They claim that we applied for a
modification in July and they are reviewing us… We
didn’t apply for it, we were told we wouldnt
qualify… We have had 5 delays and are still waiting.
They want us to pay there lawyer fees and I
REFUSE!!!! It was there mistake….. These guys are
crooks… NOW our credit is SHOT and we may be
homeless soon…. WTF!!!!
40 Lisa October 25, 2009 at 6:10 pm
I am so glad i m not alone out here!We are getting the
same runaround .We were 4 mts behine and i started
back to work i ask them if they could put the 4 mts at
the end of the 30yrs or i could send 5oo.oo a month
with my regular morgage payment they told us not to
send any money so we could qualify for the
modification .So we did not .THey went n pay our
taxes for the upcoming year But the tax collector
notified us by mail.So i m going to let them pay the
taxes and i m banking every dime they can stick it…
Every time u call u get diffirent stories it is like they
are program and reading from a post-it u ask for there
name and last they said i cant give u that …HMMM i
wonder y . I was watching Zusy on the television the
other day and there was a women on there that made
a video on youtube about bank of america well lets
go people that is what we need to do and others that r
not in foreclosure help ur neighbors out n stop all ur
payments as well n lets start making videos on
youtube … Let all of america get involve and stop
letting this bank run our lifes lets take it back now…..
 So everyone save ur money n move on By the time u
have to moved u will have enough cash to
u will not need BOA
Good Luck to all !!!!
41 Joe October 27, 2009 at 10:51 am
I agree with Lisa. There is safety in numbers, if we
all stop paying this institution, they will be helpless.
People who think they are a great bank have not had
to ask them for any help, and if they ever have to they
will find out the hard way.
42 Joseph Speakman October 28, 2009 at 11:45
pm
Those in a hardship here is what works for B OF A.
1)Keep copies of everything you send and resend
once a month. Up date income as needed. (check
ratio’s with MHA web site) (buy a fax) (keep
complete telephone log and fax comfirmations)
2)As they drag their feet, go to the BBB file a
complaint, B of A will responded… They have an
agreement. They are rated A+, they take that rating
very serious.
3) E-mail or call Federal Reserve Bank in San
Fransco and file a formal complaint against the bank.
With breach of duty, lieing to congress, fair dealings
and if appliable violation of California law for an
appointment to resolve loan modification.
4) Us the web site you will get a very fast answer.
The contact should be the home presevation manager.
Also, complain that the the non-profit companies
have been infultrated by the Banks. Keep in mind the
the largest holder of morgages is the Federal Reserve.
The US government ownes the most and most are
serviced (collected) by Bank of America. That is why
non-profits are paid to fail at modification. The true
job of the non profit is to hold your hand while you
lose your home.
6) Send printed copies of complaints to all that will
listen: Local press, senator, HUD, AG, Treasury, and
yes the President. Some will responded, vote the ones
that don’t out of office…
7) If you community has blogs, become active on
them about your frustration. Be prepared for those
that do not agree that an modification should be
offered. Many communities have become num to the
sititation. If support exists start a local protest at the
local branch. This worked for JPM Chase… The
worste became the best…
If you do all of this you should have your
modification 30 days before they foreclose. As a
stratagy they make most wait until all hope that you
will re-establish payment is gone.. 10 t0 22 months.
Alternatively, you could let it foreclose. Understand,
BofA is trying to stop the flood of modifications,
foreclosure is a permeniate solution and perfered by
all the banks.
Fight and you will win… But understand you are in a
fight.
Also, tell your congressmen to stop backing the
banks, let them fail it is the cycle and cleans the
economy of poor run industries and business… Help
Homeowners or Let the Banks fail and recieve no
help from treasury… 1.8 trillion no more….
43 Asian911 October 29, 2009 at 11:52 am
It’s all most a year now and we are still trying to get
our loan modify and we know that we are qualify for
it. The bank told us that they only help people that are
behind on their mortgage payments. That means they
only help us if we miss our payment. This is crazy,
we don’t want to have bad credit that’s why we are
trying our best to keep up with our mortgage
payment.
If they don’t help us then I wont use their services in
the future anymore. I’ll tell everyone I know not to
use checking or saving account with Bank of
America . I’ll ask them to withdraw all of their
money out of their bank accounts and have the
business with other banks.
44 Cassandra October 29, 2009 at 11:51 pm
We had a mortgage from a company who was shut
down, and also did not get on board with the make
your home affordable act. Bank of America was the
company to buy out our old company Taylor, Bean
and Whitaker. We are still in the process of Bank Of
America receiving all of our paperwork, well we try
to call them for help and we get different answers
with every call. We don’t want to pay someone cause
we don’t have the money. They are not showing a lot
of progress for new customers, just existing, like they
don’t want to keep us new ones, or our problems.
When was it that everyone decided to not help out
others in need. All we want is a straight answer and a
feeling that we will be helped. We just do not feel
comfortable. We do not want to lose our house, but
do they care if they have another foreclosure cause
they do not want to help out? Yes you will get our
money, but we want some guarantee that you will be
 there for us and help us too. That is all I can say on
the matter. Please make BOA realize this and help
more new customers. Thanks
45 Brian November 2, 2009 at 1:44 pm
I’ll like to join in and ask BOA…why is it that one
time I call and I’m told that I make to much for a loan
modification to be considered and the next time I call
I’m told that I do not make enough?!? This is
outrageous. The last time called (and this is good) I
told BOA that I’m 60 days late and would really like
to resolve this before it gos any further only to be told
that I should try back in 30 days because the
standards for a loan modification may change and I
could possibly qualify then…and in the meantime sir
here is the numeber for HUD. I really don’t get it nor
do I know what to do at this point. THANKS BOA
FOR DOING YOUR BEST TO KEEP ME IN MY
HOME!
46 Hnguyen November 6, 2009 at 1:35 am
Like many people, I have had financial hardships in
the past couple years and thought that Bank of
America would be so helpful with the loan
modification process. So far, it has been a nightmare.
I have been working on a modification for about 6
months and still no counselor has been assigned to
my case. I hired a consultant company to assist me
with this process, and they have been calling every
week for 6 months and I have been calling also and
the best response is “your modification has been
recieved.” This is the same thing being said over and
over again.
I am extremely disappointed in our government and
our banking system. Bank of America has been
horrible to work with. Their staff does not know what
they are doing and everything is inconsistent. We
should ask President Obama to take back the bail out
money and give it back to the American people as tax
refunds over the next 5-1o years.
47 Hnguyen November 6, 2009 at 1:36 am
Take the bail out monie away from the bank and give
it back to the American people as tax refunds over the
next 5 years to help us save our homes!!!!!
48 Philly Girl November 6, 2009 at 1:16 pm
What Obama should have done was develop a
committee to over see forms sent to the mortgage
companies instructing them (by law) to provide a
listing of the individual’s who were behind on their
mortgage and those in the early stages of foreclosure.
The mortgage company would bear the responsibility
of contacting the mortgage holders; determine
employment status, income, etc. and provide the
completed form to the committee. It would be the
committee’s decision, not the bank or mortgage
companies, to pay the amount past due to the
bank/mortgage companies and instruct the business
to reduce the rate to something more reasonable. The
committee should offer “Rate Suggestions”. If the
bank or mortgage company did not comply simply
bar them from processing new mortgages. The
federal government should put a cap on personal
mortgages rates. Some I have seen on this type of
forum are obscene and on a personal note, border line
illegal. There are so many talented people out of
work now a committee of this type would not have
been too difficult to form. What an absurd idea “Give
federal money to a bank and not know or even ask
what they are doing with it. Get the funds back and
give to those who need it. If Obama did something
like this he would have been considered a hero
instead of someone not knowing what they got
themselves into.
49 Sara Walker November 10, 2009 at 3:29 pm
I have also been put through lies and promises after
promises . First I was told that I was not behind in my
payments to get any help now I had lost 1 of my jobs
so my income was decreased almost in 1/2. So I let
myself get behind called again they asked for a good
faith payment I paid what they asked for they said I
was pre approved. So I waited and waited after
repeated attempts to get a answer they said that I
needed to send forms by fax as they never received
them what a joke…Then I faxed them get this they
sent me a letter a month later telling me I was NOT
approved because I am behind in my payments. Are
they on DRUGS?? BOFA is very misleading I called
HUD today and they gave me a counsler and BOFA
are not suppose to tell you not to make your
payments. If any one is getting a lawyer please send
me the information as I have written everything down
as I talked to BOFA. I heard a petition would get the
attention but I am not aware of how to go about it.
50 Pauline November 11, 2009 at 1:29 pm
Our loan was with Quicken Loans then Countrywide
Now Bank of America Well we are in negotiation
with Bank of America and got out Foreclosure papers
served to us by Countrywide ???? Now we have to
respond within 20days. I’m not sure how this
happened but it did.
51 Joseph James November 11, 2009 at 7:04 pm
 One thing that most people seem to be uninformed
about is the fact that all the documents that are faxed
to BofA go to one fax number and if the loan number
does not appear in bold print on each and every piece
of paper faxed it will go into an inactive file never to
be seen again. This was explained to me by a BofA
employee who probably was fired for telling me that.
But once I got that information and put the loan
number on everything in bold print I finally received
my packet with the 3 month trial payment. It is
problably easier for Bof A to say they didn’t receive
the papers and put the blame on the customer rather
than turning down the request which is what they
really want to do. If not they would be sure to inform
every customer of the need to include loan numbers
on every form. It is totally by design.
52 tom November 11, 2009 at 7:17 pm
hi please email me the bof a form thanks tom
53 Pam November 12, 2009 at 8:16 am
My mom has been trying to modify a loan since July
2009, that is when we received a letter to accelerate
and they asked for only pay stubs of anyone living in
the house. which we faxed over. both my mother and
I called several times a week to find out what the
status was and was always told it was in process, and
it could take up to 45 days. In September we received
another letter requesting updated information pay
stubs, bank information and current tax forms. We
sent those in and continue to call a few times a week
to find out what the status was. On Nov 3rd my mom
called and was by one person that we were not
qualified for anything, then hung up called back and
was told we were qualified and the updated
paperwork was entered on October 19th. I called
again on November 9th and was told that after all that
we were never qualified for any kind of
remodification and the lady kept apologizing for their
error, then said let me see if you qualify. a few
minutes later she comes back and says you are
qualified and I am going to transfer you to the
department you need to speak with about the
paperwork that needs to be sent over. As she was
transfering me I was disconnected. I call back and of
course get someone else on the phone who tells me a
completely different story and was told that we were
not qualified but they are still going to review our
paperwork to see if they can do anything but that
could take another 45 days. We have not made any
payments since February 2009. I am not sure what is
going to happen but at this point we are trying to sell
the house.
54 Jack November 13, 2009 at 2:10 am
Well I thought I would be writing with some good
news but after reading this entire page im not very
confident anymore. I made my last payment to Bank
of F’Americans in march 09 due to a disability. I
hired a bunk loan mod company,riped me off for
2g’s, to help me because I could not write or
concentrate very well at the time. Here I am 8 months
later. The offered me a sale date instead of a mod.
When I finally realized the mod guys were a fraud I
frantically got on the web to try to get educated. I
understand B of F’Americans only offers one of their
own mod plans unless you specifically ask them to
evaluate them under the H.A.M.P. law that Obama
signed into law Feb 17th 2009. So after getting the
runaround like everyone else on here. I fired off an
email which went something like this:
Dear Jacqueline McGill, My supposed negotiator,
Regarding account number.#######
It is November 10th 2009 at 5:20p.m. I write you in
desperation as the sale date you gave me (11-16-
2009), quickly approaches and I have not yet heard
from you since our last conversation in which you
said you would be contacting me. I need to know, Is
my modification file in the process of or has it been
completely reviewed under the H.A.M.P. guidlines
under directives 09-01 thru 09-07 set forth by
president Obama signed into law on February 17th
2009? Also, I spoke with a BofA agent this evening
and her information is in contradiction to the
information you supplied me with regarding the sale
date. She informed me that there is currently no sale
date set. She also sent you an email to try and clarify.
Please advise me of the status of my sale date. I
understand that under the H.A.M.P. law, a borrower
cannot be forclosed upon untill they have been
evaluated under the the H.A.M.P. law guidlines. Do
you have all the information necessary from me, for
me to be evaluated under the H.A.M.P. law? If I have
been evaluated under the H.A.M.P. law and was
found ineligable please advise immediately. If I have
not been evaluated persuant to H.A.M.P. guidlines
please accept this as my formal request to halt
forclosure proceedings and provide me with the
necessary forms to be evaluated under H.A.M.P. I am
begging you to please make contact with me. Please.
Kind Regards, Jack.
The next business morning I called the Loss
Mitigation line and waited a half an hour on hold and
just as I was about to hang up a rep named Franklin
answered. (No email response at this time) So I ask
him if they got my email and whats the status on my
sale date? He put me on hold for 10 minutes then
comes back to tell me the sale date has been removed
and that I have been approved by the bank but not the
investor yet…and I will be recieving a Fed Ex
package with details. I recorded the whole
 conversation with my digital recorder too. I asked it
was under the H.A.M.P. law and he said he couldn’t
say. I called the forclosure company and the sale date
was pushed to december 16th 2009 one more month.
So after hanging up with Franklin I fired this email to
Jacquelin:
2009
Dear Jacqueline ,
I spoke with Bank of America associate Franklin at
extention 2028 this morning at 10 a.m. and would
like to follow up with you regarding the conversation.
Franklin informed me that I have been approved by
Bank of America for a modification of my loan #
######## and that my forclosure sale date of
November 16, 2009 has been removed. He stated that
B of A is awaiting final approval from the investor. I
asked him if the modification had been approved
under H.A.M.P. law and he said he didn’t have those
details. Will you please contact me to confirm the
accuracy of my conversation with Franklin? I
contacted Recontrust Company to inquire about the
sale date and was electronically informed that the
date was moved forward to December 16th, 2009 in
contrast to what Franklin informed me in regards to it
being removed completely. I would appreciate a
response from you or if you are no longer my
negotiating officer, could you please direct me to
someone who can communicate with me on the
matter.
Kind regards, Jack.
So short story long, if you don’t specifically ask to be
evaluated under the H.A.M.P. law they don’t have to
offer you that program and maybe that’s why they
can tell you you don’t qualify. And remember, this
law say’s they can’t forclose on you if you haven’t
been evaluated under H.A.M.P. guidlines.
I am still bracing myself for the trial payment bullshit
package to show up and get screwed after that too.. I
would appreciate any comments and I hope this is
helpfull to some… Good Luck All and
Don’t forget to denounce Bank of F’Americans every
little chance you get.
55 Jack November 13, 2009 at 10:39 am
Also, Don’t deal with U.S. Loan Assistance
Center!!!!! They are a fraud!! Note: If you want to
record your converasation with the bank. Go get a
digital recorder then when the rep begins a
conversation, put your phone on speaker phone, start
the digital recorder recording then ask their name and
extension#, then, as a question ask ” This a recorded
conversation?” they will say yes. then say as a
question again, “It’s for quality assurance?”. State the
date and time and your loan number somewhere in
the conversation. Always try to ask it as a question.
Like,”Whats todays date?”,”Are we referencing loan
# such and such today?” try to get a recorder that is
P.C. compatible so you can back it up to you
computer as a file then burn a CD.
56 Jack B. Nimble November 14, 2009 at 1:45 am
Here is my latest email to Bank full of A’holes. I am
chronicling all the bogusness here! Please see my
prior posts under Jack!
November 13th 2009 @ 11:30 p.m.
Dear Jacqueline,(Negotiator) loan reference
##########.
I spoke with Bank of America associate George in
loss and mitigation this evening. After speaking with
associate Franklin on Nov. 12th 2009, who told me I
was approved by B of A for my loan modification,
The very next evening, George said I’m still in
workout status on Nov. 13th 2009. I said don’t you all
share the same information?, and he mumbled some
stupid crap back at me. George also informed me that
I am not in workout status evaluation under the
H.A.M.P. law after I formally requested this action in
an email to you. George informed me that as of three
weeks ago B of A now has the ability to generate a
loan workout under H.A.M.P. law and that he will
note that I have formally requested to now be
evaluated under the H.A.M.P. law and that while
under evaluation under the H.A.M.P. law and my
forclosure status can be removed by him right from
his desk or as he quoted ” taken off”. I also requested
George to inform me of any additional
documentation you might need to carry out my
formal request and I am asking you to do the same
either in writing or by telephone.
I am requesting that you review the recorded
conversation of George and myself for quality
assurance.
I am well aware of the HAMP law and amendments
09-01 thru 09-07 under the HAMP law and would
hope that I don’t have to contact my Congressman
and the Attorney General to alert them of the
continued deceptive practices used in the form of,
lack of attention to my requests and overall
conflicting, contradictory information I receive from
Bank of America associates regarding being
evaluated for loan modification under the HAMP law.
Kind Regards, Jack B. Nimble Loan#such & such.
I am continuing to record the conversations and find
that they are priceless in helping me to write the
follow up email to the negotiator who I was told will
receive them but not respond to them due to the
sensitive nature of the departement.
During my conversations to B of Aholes I have a
prepared list of questions to ask and it seems that I
 am in controll of the conversation when I bombard
them with questions and reference the HAMP law
often..The associate even offered up information that
he absolutely shouldn’t have regarding the
understaffing problem the are having trying to get my
sympathy HAH! Good luck! I will post after every
contact…
Kindly, Jack B. Nimble.
57 Wendy November 15, 2009 at 12:02 am
I used to work for Bank Of America in another
department. I have to tell you that I should have
called “60 Minutes” or “Dateline”. This company is
the most disorganized company I have ever worked
for. I was horrified on a daily basis looking for
customers files that were missing. We had a file room
with files everywhere not even in file cabinets. My
department was 4-5 months behind and we had
customers calling who could not get through. I
thought Bank Of America was going to be a great
job. I hope everyone gets together and gets a Class
Action Suit against Bank Of America.
58 Barbara Franklin November 15, 2009 at 6:36
pm
I have been going through a loan modification since
July 09 using an attorney. However, the home loan is
with BoA and I’m getting worried now that they will
foreclose on my house. The attorney keeps telling me
that BofA says it’s still in review. Although I received
an e-mail from BofA, Notice of intent to Accelerate
Foreclosure. Any word for me! Help….don’t want to
be homeless
59 shawna November 15, 2009 at 9:52 pm
hired a loan mod company in June, off to BofA and
on their desk Sept 6th. BofA has no idea what i am
talking about when i call yet LMC says it is there.
House on market. Equity in house, house for sale. I
pray it sells and then I can rent and never have to deal
with BofA again.
Our government “gave” the money to these banks to
help reconfigure our economy. If we had our loans
“fixed” those who have some extra money would
probably use it to go out to dinner, buy things, travel,
etc. Then the economy would be rolling again – the
trickle down theory. The banks are robbing the
american public. Our government is a bunch of
******. They “bow” to corporate yet those of us who
are small business owners put everything on the line
to make it for our families and the families of our
employees. Left and right we get it in the ***.
Everyone needs to ban together and get letters out to
the above mentioned – BBB, local government
leaders, etc.
I also do not want to hear that they cannot afford to
hire to get the job done…they have our money – get
the job done now!
60 Annie McLhinney-Cochran November 16, 2009
at 7:25 am
I am a journalist working on a story about
Countrywide/B of A and other major banks handling
the Save Homes Plan put together by our Federal
Government. It appears the banks will go as far as to
lie to you to get you walk out of your homes. They
will tell you you dont qualify. Don’t do it. Stand your
ground and dont pay another payment until they do
what they are supposed to do.
Call their media relations departments and then send
me and them your story. You will be referred to the
Office of the Chairman, of which there is no real
chairman, and they can stop the sale of your home. It
will take you at least 3-4 months from here – but at
least you are saving money. Tell them you will not
pay one more cent until they do what they are legally
supposed to do. What do you think will happen to B
of A if we all stopped paying our house payments at
one time! It is time to fight back with the power of
numbers.
You will have to scream at them to get response. The
funny thing is my loan was sold by Countrywide to B
of A. B of A transferred all of our properties to a lien
holder Rincon Trust – who never replies to any of
your correspondence. B of A staff act like they don’t
know who Rincon Trust is, even thought the office of
the chairman has the same street address name as the
B of A office. Hummm and Rincon is 100% owned
by Bank of America – however you will have to pull
out their fingernails to get this information. By law
they have to tell the owner who owns their loan. You
must find out if B of A owns your loan or if they just
service it for Rincon.
This Rincon Trust is an investment group looking to
make money on our properties by driving the home
prices down. There is power in the pen, and in
numbers – dont give up, walk out, or pay those
creeps anymore money until they offer you the deal
you deserve. Another cheap trick the loan companies
are pulling is not adjusting your payment to 33% of
your income!!! They sure twist this around, and lose
all your financial information and will come up with
a payment that is not correct. So you will have to
fight them every step of the way — but dont give up!
 Annie Cochran
Please submit your stories to me at
annie@adprglobal.com and we will begin to
hit them where it hurts – with government fines for
deceptive business practices.
61 Tracey Robins November 16, 2009 at 11:25
am
B of A and NACA have had my head spinning for 7
months. I asked for a refinance from Countrywide in
March, by April B Of A had my loan and no clue of
my history with countrywide. In may I asked for help
from NACA. They submitted my file numerous times
to BOA to no avail. I interviewed with BOA at the
Naca save the deam tours in Atlnta and in CA and in
Nevada and was assured each time that my info was
received and that help was on the way. The first
response that i have received from BOA was from
their appointed trustee’s office in Atlanta telling me
that my home is in foreclosure and that a sale date
was inevitable. I am losing my hair , my home and
my mind. My home has been shaken up so badly. I
hurt so badly, I am tired of the games.. In the name of
Jesus help us/ BOA is hurting us badly and NACA is
full of ……………..
62 Pam November 16, 2009 at 12:55 pm
How do I get a loan negotiators email address at
BofA. All I get are stupid people who answer the
phones and tell me a hundred different stories. We
have been going back and forth with BofA since July
and are being told different stories, we are trying not
to loose our house.
63 An Le November 16, 2009 at 3:13 pm
I just got off the phone (11/16/09) with Bank of
America. My loan was originally with Countrywide. I
live in the SF Bay Area. My house is underwater. I
requested a loan modification from BoA back in July
09, because of a significant drop in my household
income. By August BoA had my complete
documents. BofA is my 1st mortgage, Wellsfargo is
my second. The wellsfargo 2nd is in process. Now,
my call with BofA today was routed to someone in
India, who told me that my loan has been deliquent
for 5 months and therefore I do not qualify for any
modification plan. I told them that if they had
modified the loan, three months ago I wouldn’t be 5
months deliquent. I asked for any other reasons why
modification was denied….answer was no. Just
because my loan is deliquent 5 months –this alone
disqualify me from any modification plan with BoA.
I told them this is a catch-22. BofA clearly does not
want to help homeowners and are just waiting for the
market to re-bound to screw the homeowners —
again.
64 An Le November 17, 2009 at 9:22 am
After taking to a retired friend who was successful in
getting her loan modified, she informed me that the
only way to get these bank to comply with the
Modification Guidelines and fair business practices is
to contact and file a complaint with the OCC -US
Office of Currency Controller. A live person will talk
to you. Their number is 1-800-613-6743. They
regulate bank practices is what I heard.
65 Angie Will November 17, 2009 at 12:56 pm
I have now submitted my request for a modification
to BOA for the 3rd time since June. I am was
originally with Countrywide. . I am in foreclosure
and tried to make up my payments in May but was
told I was in foreclosure and the checks were
returned with a note stating that. That was the last
document I had received from BOA. I have not
receive a single phone call this whole time either.
Each time I resubmitted the modification papers it
was because I called and was told that my financial
part of the paperwork had expired and that the
modification was canceled due to that. No letter, no
phone call. I found out my house was up for auction
on Sept 5. was to be sold on Sept 16, the letter came
from a lawyers office. I immediately called BOA and
was told that it was a mistake, someone had not
updated the system to show I was still in
modification. I am afraid they will do it to me again
and this time I will not catch the mistake. This is so
frustrating, I am about to give up. It is not worth the
stress on my family, wondering when we are going to
be kicked out.
66 Phil Moskios November 17, 2009 at 4:54 pm
I tried a workout with Countrywide to save my credit,
after all was said and done, they couldn’t help me
because I didn’t have enough equity in my property
worth less than half what I paid for it. 3 weeks later
they send a escrow overage to me that was almost
twice what I owed them! They already reported my
delinquency and all my cards were capped off, a
small business owner with no credit. How is it that a
workout team doesn’t have all of the information
available to them. If I had the money they owed me I
could have caught up and not ruined my credit. Now
BofA has my mortgage, needless to say, without
much needed credit, my business has failed, I’m
behind again, looking for a modification. 3 months
and no word….
67 Angela R November 19, 2009 at 12:22 pm
Finally, we received some assistance from BOA on a
loan modification (not HAMP unfortunately) after 11
months. It will just allow us to keep our home. Send
an email to Barbara Desoer in North Carolina, office
of president at BOA. They will give you a negotiator.
Send in all paperwork they ask for, and clearly state
your hardship. The next thing is to be patient, patient,
patient. This process took two months from start to
finish. If need be, get your local congressman or
woman involved in your state. They are there to assist
you. Good luck to all!
68 Rere November 19, 2009 at 4:17 pm
need help! I want to keep my property! We can afford
a reasonable mortgage and we have tenants for our
property PLUS we still have our jobs!!!
Bank of America Modification weak attempts at
modifications are nothing more then a scam!!! They
are planning a strategic foreclosure on as many
Countrywide loans & Loan modifications as
possible! we need our officials to help us! Americans
are suffering at the hands of Bank of America’s
incompetence!
I am writing to seek your legal advice or help if you
can offer it. We have been in review for over 5
months with Bank of America to get our loan
remodified on our rental condo. Because the loan was
financed by Countrywide and was a variable ARM.
Even though it didn’t meet the requirements for the
“Making Homes Affordable” and we NEVER present
it as so, it did meet one of the requirements which the
Attorney General Brown stipulated as eligible for a
reduction in the 84. Billion settlement with B of A
.Countrywide to help offset potential hardship once
that type of loan matured. PLUS, we were
experiencing a hardship because the rising HOA dues
and special assesses to fix and upgrade MAJOR
repairs in the complex (the Pines was built in 1971).
Lucas Law center (Modification lawyers) began the
negotiation process with B of A in early June 2009 on
our behalf. Before the process was complete Lucas
was shut down by FTC in late June and we have had
to advocate for ourselves since July up until TODAY.
I have called at least 4 times a week to get an updates
and was told each time we were still in “active
review”. I called once and was told I should have an
answer by Sept. 28th. When I called back on that date
they said that my negotiator Erick was still in review
with my loan. I continued to wait because of the
positive reassurance that we were “Active Review”. I
was assured that no foreclosure process would take
affect as long as you are in “active review”. Last
week (Monday, November 9th) I spoke to B of A
Rep. regarding our condo she said that the notes
listed by my negotiator says that I was turned down
for “Making Home Affordable because it wasn’t our
primary residence (no one ever contacted me to tell
me this!) and that a sale date was on the property for
Dec. 2nd!
I asked how that could be, I was told constantly that
no sale date can be place on a property when it is in
active review for a modification! She agreed and said
that it shouldn’t be there, she said would contact my
negotiator and have him contact me. Angry and
dismayed, I called Kenneth Lewis CEO of B of A
office crying and I spoke to an advocate (Corporate
Assistant) name Jimmy Subhan (818-316-8650) who
assured me that this would be taken care of and he
will have the matter taken care of and have my
modification “elevated” to urgent he to state that no
sale date should be attached while in work out. He
asked that I give him 48 hours to take care of this.
One Tuesday, Nov. 10th I called to see what had been
done, and to my surprise she said that a new
“executive negotiator” from corporate was handling
my mod…her name is Anna Corder and they gave me
her direct phone number 972-526-6712… The Rep
said she was assigned the case to oversee Erick on
November 10, 2009 she stated that was a good sign…
I believe they would do the right thing.
I called today to only be told that it was declined
“again” and close by Corporate who was so positive
and reassuring a few days ago! I asked why it was
declined by corporate and they said I didn’t qualify
for the “Making Homes Affordable”?! I said, I know
that and asked why are you guys continuing to waste
my time trying to qualify a property that you KNOW
did not qualify for that program?!…They have had
months and months of reviewing it should have been
obvious that it was income property from the
beginning because we had our lease rental agreement
attached to the documents which we submitted. They
have wasted months if time and we have gotten
further indebt. I called corporate and Anna finally
called me back and she was a bit indignant, stating
that she had bad news…that we didn’t qualify for
making home affordable because it wasn’t our
primary residence…I told her I knew that! And I
asked why they had continue to waste or time, month
after month, getting us further in debt with the
property when they should have known the programs
they were looking for we didn’t qualify….it should
have taken months, hundreds of review for someone
to say, hey “this is a rental property”…now they have
us facing a ticking bomb down to the “the wire” with
a good chance and limited time to fight for our
property! Really we are suppose to have our time
reset! They should remove the sale date…
 This is where we stand now. I spoke to Claire (866-
788-8495 ext. 2393) in the Home Retention Program
she said that the options that they can offer for my
types of loan would be for her to get us out of the
ARM and into a fix rate then attached all the past due
charges to the loan and “Reset the Loan”, we also
have to come up with $5000.00. Claires’ fax number
is 972-608-6460. She is suppose to be preparing so
documents and 2 different types of loan scenarios for
us…(they should be what The Attorney General
stipulated).
“We need to be prepared to file a restraining order to
stop the sale of our property”.
We have a family who we are scheduled to sign a
lease agreement on Dec. 1st! Claire (in the home
retention) said that she will be working to have us
something by Friday. I don’t know if we should trust
this. I need someone who could look it over once we
get it. I am just afraid to sign or agree to anything
with B of A now. They might be still stringing us
alone. We are praying that Claire (in the home
Retention) is genuine with what she is proposing. .
Any help or guidance you can offer on this I cannot
tell you how grateful our family would be. This is
just a nightmare that I hope to wake up from soon…
This is truly unbelievable!
69 Donna November 19, 2009 at 4:35 pm
I have been working with Countrywide since January
09. I was not behind on my payments, was having
trouble with the January payment because my
husband was getting less hours at work. I was told
that I would have to be three months behind to get
any help with a “modification”. So I told the rep,
okay, I will be late on my payments so that you can
help me lower them to a more affordable amount. I
called three months later, and they said I qualify for a
“modifcation”, but it will take 30 to 60 days, once
they get the paperwork in to process it. I called 60
days later, “we are still working on it, give us 4 to 6
weeks.”I wait and call back, nothing, can’t get
through, wait another week. Now I’m told all of my
“paperwork ” is outdated, need more current stuff.
Okay, so I send over more current stuff. Now I don’t
qualify for a modification, but I do qualify for a
partial claim. Okay, whatever, I just want to get this
taken care of so that I can start making my payments
again. I have been going back and forth with the
“partial claims department”, and they say I don’t
qualify. Why? We make about 20% less now then we
did when we first qualified for the loan. Now I have
to call Bank of America back to figure out what I
qualify for now. I’m very confused because when he
told me I didn’t qualify for the modification, he said
we don’t make enough money to qualify for it?? I
thought the whole point of a modification is to lower
the payment so that we can make our loan payments.
Who do I contact to file a complaint, I took
meticulous notes on who I talked to and when. I am
tired of the run around. My main goal now is to keep
our home. I have yet to receive a foreclosure notice,
and we haven’t made a payment since January 09.I
have some money saved up so that I can the payment
when ever they finally get their “crap” together. But I
am not going to make a “good faith” payment, until I
have papers in my hand saying that they are going to
help me with this. Did I tell you, that I haven’t
received anything in writing , nothing requesting
documents, payments, etc.. Help!
70 Brad Henry November 20, 2009 at 5:55 am
Bank of America is full of BS! I have called them
weekly, written down the names and dates of the
people I’ve spoken too and the empty promises they
keep feeding me. Sure, someone will be in touch by
next week, been hearing that line now for 2 months. I
have a name of the person that is suppose to be in
touch but they wont give me an extension number or
direct phone number, they send him internal emails to
get in touch with me…..yea right. I’ve had someone
willing to take the property over and these a$$holes
wont get back with me to help me out in getting this
done….Thanks a ton B of A, this is quite a
SOLUTION!! Your solution is just to hang me out to
dry and screw my credit completely!!
71 Candice November 20, 2009 at 2:23 pm
I have been working with Bank of America since July
2009. Was approved for Loan Modification Sept.
2009 but never heard from a “WORK OUT” Person.
After many, many, many, many phone calls and
getting the run around, escalated to executive office
of Barbara Desoer, President of BOA Mortgage. Also
sent a chronology of my nightmare to my
Congressman. They have the most ignorant people
working there. If they give you an extension #, forget
it, the next person you talk to will tell you “we really
don’t have extension numbers.” My blood pressure
has increased over this whole thing. So much for
using their $45B to help those in need.
72 Sharon Lambert November 20, 2009 at 9:18
pm
Bank of America is bad news and nobody seems to
care. Where are our representatives?
I say, call your politicians. Flood their phone lines.
Email them. Call the White House and ask what the
 hell is going on? I thought they had to do something
to help.
I called my congressman and someone from Freddie
Mac called us but they don’t have an incoming call
line so you can’t call them back. They said it sounded
like we were doing everything we are supposed to do,
but really no help.
I am very disappointed. We have cashed in
everything we had, which wasn’t much. They kept
saying we had to be behind to get help, but keep
trying to make the payments. We are done. If we pay
our mortgage this month we can’t put gas in the
vehicles to go to work. If we don’t pay our utilities
then we won’t be able to get them turned on when
Bank of America forecloses on our home, and we
have to move to an apartment, or trailer, or a tent
camp, or a cardboard box. I can’t believe this is
happening.
Now they have given us ” a new account number” all
it did was tag us for easier torture. They don’t have
any info any further back than 10/01/09 because they
are new. We have been calling since March 23, 2009.
I feel screwed in the worst way.
What are we supposed to do? Somebody tell me.
73 kelly November 21, 2009 at 12:17 pm
Sharon, hang in there. I know this is a very humbling
and stressful time, and the unknown eats away at our
hope for the future. The merge with CW and BoA has
created a HUGE backup when it comes to
modifications. I have been working on several files
with BoA/CW for just as long, if not longer than you
have been working on yours. The good news is that I
have had some positive outcomes on these files, and
while they are telling you that you need to be
delinquent in order to qualify for the MHA Program,
they have In-House Programs that you can ask to be
qualified for as well. The key here is to not stop at
“NO”, if they decline your file, you have to rework
your financials and resubmit your file. I know it’s a
drag, but everyday changes are being made to the
guidelines for modifications, and one day your file
just may fit into one of their mods. Be determined,
stay positive, and do everything you can to get them
to work on your file. I recommend calling them
DAILY to see what the status is. Be a squeaky
wheel!! It will all be worth it in the end when they
come back and offer you something amazing.
74 Ray November 21, 2009 at 8:01 pm
My wife & I just started this nightmarish process, and
so far got bounced from one person to another… &
hung up on 2x. I don’t have a lot of patience when it
comes to this sort of corporate abuse. I say this
because the money under this program was ours in
the first place! I have to wonder if all this bail-out
money the banks have gotten isn’t being reinvested
poorly (again). I’m also wondering if a class action
lawsuit wouldn’t set BOA straight? At this point I
could really care less which banks failed or thrived –
they’re all corporate crooks! Are you hearing me
BOA? Would a class action lawsuit help you to get
your act together?!
75 David November 22, 2009 at 2:58 pm
I was told by a BOA representative that I had to miss
a payment to qualifu for a loan modification. So I did
just what the girl told me as I too have a interest only
loan coming due in dec. of 2010. I have never since
not made a payment or been over 30 days late. Now I
just got an accelerated payment in full letter. If I dont
come up with the old payment I was told to miss by
one of their representatives and a another months
house payment by Dec. 16th they are going to start
foreclosure procedures. This is a joke! I have been
misled and flat out lied to. This whole bale out thing
is a joke. I’m not suprised people are saying screw it
and just leaving. And when BOA has enough
foreclosures on thier hands I know our government
will be right there to say ok BOA how much do you
need now from the taxpayers now to keep your
company solvent… What a scam!!!
76 Renita November 22, 2009 at 9:01 pm
Some one asked who was “ReconTrust” the ones who
send the threating FORECLOSURE NOTICES –
Well, another homeowner (Annie)is fighting B of A
found out..She says “it took almost 6 months for
them to admit it, they kept avoiding my question, and
I googled them and found out they are 100% owned
by B of A to deal with stressed/foreclosure properties
from Countrywide. They loose your documents, no
one know what is going on, no one has a name,
“They are a group of investors – they tell you – sort
of like a stock!” That is what they quoted to me!!!!
They should be fined heavily for everyone of us they
tried to lie to.
Annie is getting ready to bring Media attention to our
plight…those of us facing foreclosure and are
fighting for Bank Of America (specifically and other
Banks) who are still usig deceptive practics to
AVOID modification of our loans (expecially
CPUNTRYWIDE originated loans)…Please send her
you story : annie@adprglobal.com
Subject: Re: WE MUST UNITE TO BEAT B OF A
AT THEIR OWN GAME…
 Annie plan is this and she states: “This is just the type
of story I am look for to blow them out of the water.
All the banks are doing this – but B of A – they are
the worst. Don’t worry hold on to your property and
don’t move out of either of them. I have a funny
feeling that B of A is going to go out of business
within the next two years. By the end of December I
would like to post 100 stories like this our site along
with the story. Just hold tight. I think we should all
get together a file a class action suit against B of A.
But let’s keep gathering stories and numbers – send
anyone you know to me so I can begin compiling our
stories and send them where they will hurt B of A the
most”. You do not need an attorney – you need the
pressure of the media on them. First look up the
media relations number for B of A. This is the place
members of the media go when they want an official
answer for their outlets. You must let them know you
are part of my story assignment (Annie McLhinney-
Cochran) and want their official quote. If you cant
find that page email me and I will find it and
bookmark it for future people who join us in
documenting what B of A is doing to all of us. Send
them everything you sent me. Tell them you are part
of a story to appear in a Southern California
Magazine insist that they are breaking the law and
that they delay your sale date today! They can do
that, mine was moved four times this year!!! But you
have to get to the media people, who will pass you to
the office of the chairman (fyi there is no chairman in
the office). Keep asking them to give you a quote for
yours story. Tell them you want to know what B of A
has to say. Ask for it in writing via email. Document
who you speak to each time. Ask them if B of A owns
your mortgage or just services it. This is very
important. They must by law tell you who owns your
mortgage. Have you received any notices from
Rincon Trust? Ask them – Do you need to hire a
lawyer to get help? Please ask them this ask and then
ask for the spelling of their name so you can get their
quote right for the story.
Please, as many as possible of us should do this…
This is a “Grass Root Effort”, and with enough
people we can make a difference.
Thanks,
Rere
Perhaps Americans should close their B of A
accounts in protest! Maybe that will be our slogan!
I will be back in touch with you. You are right – they
can’t do what they are doing. Hold tight!
77 Renita November 22, 2009 at 9:04 pm
Annie is getting ready to bring Media attention to our
plight…those of us facing foreclosure and are
fighting for Bank Of America (specifically and other
Banks) who are still usig deceptive practics to
AVOID modification of our loans (expecially
CPUNTRYWIDE originated loans)…Please send her
you story : annie@adprglobal.com
Subject: Re: WE MUST UNITE TO BEAT B OF A
AT THEIR OWN GAME…
Annie plan is this and she states: “This is just the type
of story I am look for to blow them out of the water.
All the banks are doing this – but B of A – they are
the worst. Don’t worry hold on to your property and
don’t move out of either of them. I have a funny
feeling that B of A is going to go out of business
within the next two years. By the end of December I
would like to post 100 stories like this our site along
with the story. Just hold tight. I think we should all
get together a file a class action suit against B of A.
But let’s keep gathering stories and numbers – send
anyone you know to me so I can begin compiling our
stories and send them where they will hurt B of A the
most”. You do not need an attorney – you need the
pressure of the media on them. First look up the
media relations number for B of A. This is the place
members of the media go when they want an official
answer for their outlets. You must let them know you
are part of my story assignment (Annie McLhinney-
Cochran) and want their official quote. If you cant
find that page email me and I will find it and
bookmark it for future people who join us in
documenting what B of A is doing to all of us. Send
them everything you sent me. Tell them you are part
of a story to appear in a Southern California
Magazine insist that they are breaking the law and
that they delay your sale date today! They can do
that, mine was moved four times this year!!! But you
have to get to the media people, who will pass you to
the office of the chairman (fyi there is no chairman in
the office). Keep asking them to give you a quote for
yours story. Tell them you want to know what B of A
has to say. Ask for it in writing via email. Document
who you speak to each time. Ask them if B of A owns
your mortgage or just services it. This is very
important. They must by law tell you who owns your
mortgage. Have you received any notices from
Rincon Trust? Ask them – Do you need to hire a
lawyer to get help? Please ask them this ask and then
ask for the spelling of their name so you can get their
quote right for the story.
Please, as many as possible of us should do this…
This is a “Grass Root Effort”, and with enough
people we can make a difference.
Thanks,
Rere
 Perhaps Americans should close their B of A
accounts in protest! Maybe that will be our slogan!
I will be back in touch with you. You are right – they
can’t do what they are doing. Hold tight!
78 Jody November 23, 2009 at 8:23 am
We had been dealing with CW for over a year and
they kept dropping the ball, loosing our information
and acting as if it we’re our fault. Now B of A has
taken over and we are in our 5th month of making
our modifide payment plan and have not heard a
thing. Last thing told to us was keep making the
payment, it could take a few more months becaue
things are so backed up. All we can do is keep up
hope that someone will see the truth about the
situation our country is in, because I know its not just
B of A that is doing this to their customers. Keep the
faith and real good records of everytime you speak to
them and any info. faxed. If any of you can do it,
record the conversations. As a few have said , we
need as much evidence as possible for the day it will
be needed.
79 steve November 23, 2009 at 10:40 pm
My experience is very similar to many on this board.
I started calling in March 2009 and eventually hired a
lawyer because I was getting nowhere. We were told
to get delinquent on payments but all that has done is
give BoA an excuse to foreclose. I have read many
articles that banks now prefer foreclosure to
modifications and I think the whole program is a
scam. I am very dissapointed in the administration for
not putting real pressure on these crooks and at the
same time they are giving them OUR tax money.
Financial pain is the only language they understand
and possibly a class action lawsuit is our only
remedy.
80 Melissa November 26, 2009 at 8:53 pm
PEOPLE. Do yourself a favor- instead of making
partial payments to the bank get a foreclosure
attorney. Of course the bank wil report you
delinquent even if you pay one penny less of what
you owed them. And no, it does not care about your
good will and efforts.
Example: I could not afford keeping my house after
last year layoff. Tried calling BoA- we know how
that goes. I was told I was not a priority since I was
not behind. I made sure I will become their priority. I
stoped paying and saved 3 months of mortgage
payment. So, I went to an atorney in April. Paid
$2000 flat fee (credit card plus the saved mortgage).
Fast forward to August 09- my loan has been
modified. I can keep my home. It is not the best
modification, but it is some cut, and I will take it until
the market recovers or something changes. There is
help, unfortunatey not free, but everything is better
than playing their game without knowing all the
rules.
I am not an attorney and I don’t say some are not
crooks. But for crying out loud, get out there and talk
to someone other than BOA reps! They are NOT on
your side!
81 RUBEN LOPEZ November 29, 2009 at 12:49
am
BOA DOESNT HELP NOBODY THEY HAVE THE
POWER AND DOES IT…I WAS TRYING SO
HARD TO GET ANY HELP FROM THEM EVEN
IN CREDIT CARDS AND THE ANSWER IS
ALWAYS NEGATIVE…WHO CAN TAKE ANY
ACTION AGAINTS THEM? NOBODY
82 Dave November 29, 2009 at 1:46 pm
BofA took over my loan from T,B&W. The first week
of the take over I was recieving late notices for a
payment made to the old company. I got the welcome
pacage from BofA along with another late notice. I
called and spoke to an Indian which pissed me off
right at the start. She told me to cancel the check and
send a payment to them,I told her that BofAs web site
said to do nothing that payments should be made to
the old company and if she wanted me to cancel the
check if they would pay the $30 charge.She said they
wouldn’t so I told her to get the money from the old
company and stop the letters. They didn’t stop even
after calling 6 times and speaking to americans in
California. We got a total of 26 letters and one stating
acceleration of foreclosure. When we got that one I
called and told them we would see them in court on
their dime and the end result would most likely be us
getting the home free and clear. Harrasment being
one charge and illegal attempts to make financial
gains. Federal laws prohibited them from sending one
letter prior to the 60 day grace period. Them seeing
we would not give in and send any money not due
them sent us a letter stating that our payments would
go up by $200 per month because of tax increases. I
contacted my county treaseurer and he said no
increase was initiated on the property I told BoA that
their records were wrong and to my surprise they
took care of it over the phone and the payment will
go down $90. But we still got more dilinquent letters
and the check from AUG sent to T,B&W. W will now
send the payment and if I get 1 more negitive
correspondenc from them I will stop payments and
place them in an escrow account and take Bof A to
court. I don’t even think they hold the deed so I may
 walk away the winner in this. Fight them with all you
have and don’t send them a penny they are not owed.
83 Celeste Caruso November 30, 2009 at 12:34
pm
I’m with you Melissa. I haven’t paid my mortgage in
18 months. My attorney ( for a flat fee) knows how to
postpone the forclosure process. My first hearing was
in August and the judge was very pro- defendant
( that’s me) and we’ve had 2 postponed hearings by
opposing counsel since them. He told me that the
judge will decide what is a fair loan modification for
me not BoA. I hope he saw the article this past week
about the Long Island judge who was so disgusted
with IndyMac bank regarding a toubled homeowners
mortgage, he wiped out his entire mortgage. This
website has the article. Anyway I read this article-
Ihope this will help:
Administration Encourages Mortgage Relief
The U.S. government is expected to announce a plan
Monday that will put increased pressure on mortgage
companies to modify loans for troubled borrowers.
Under the current $75 billion Treasury program,
companies that lower payments for troubled
borrowers collect $1,000 initially from the
government for each loan and subsequently get
$1,000 annually for up to three years. The new
program is expected to withhold payment on those
fees until the mortgage companies make the
mortgage modifications permanent.
The new plan also has programs that will encourage
mortgage companies to expedite the loan
modification process, according to Treasury
spokeswoman Meg Reilly.
Source: The Associated Press, Martin Crutsinger
(11/30/2009)
84 aaron b ray November 30, 2009 at 5:44 pm
BoA had the nerve to put new locks on my house and
I can’t get them to give me new keys, Everytime I
call I get the run around. I was chapter 13 and told
that 1 payment would be included. They insist it
wans’t I haven’t missed a payment other than the one
that was suppose to be in the chapter 13. I continue to
pay the note. I had to pay 500 dollars to rent
somewhere to live and buy new clothing because I
can’t get into my home. Also had started repairs and
lost money I gave to people to repair the house
because I couldn;t get in. I need advice do anyone
think I could get reembursement for my loses and do
I have legitimate legal choices.
85 ALI December 3, 2009 at 12:20 am
I’ve not heared one good thing about BOA,.
My house is been in forclosure and they had told me
that as long as my case is in work out they’ll extend
the sales date each month but they rejected to extend
the sales last week and at the very last day they told
me that thy’re going to forclose the next day. After
calling them consistantly the entire day they agreed
to extend it for three more weeks. They are giving me
the same b s answer now about being under reviw
and in 16 days will be the same nerve breaking
situation.
86 David Crispin December 3, 2009 at 5:23 pm
I have fallen into the Bank of America hell. I tried to
get help from them over the past year. I lost my job a
year ago. I was out of work for 3 months. We
managed to stay current, but had call and asked for
help. We got the normal Bank of America answer.
“You’re not behind. We won’t help you.” Do to
contract problems my job with the US Army has been
on hold for two months. We tried to pay our mortgage
on the 28th day after the due date. We were locked
out of the website’s payment area. Bank of America
has done everything they can to hurt the average
homeowner. I called the 1800 hope number. They
were decent. Bank of America needs to change it’s
name, because it sure doesn’t represent any thing
good in America.
87 angel otero December 4, 2009 at 8:29 pm
we are in america were dreams come true i have what
every american famaliy dreams for and works hard
for a home. a home were everything happens ,get up
in the morning for work and the kids for school or
collage on the week ends in the summer yard work
,the dog runs around,grandkids splashing in the
pool,a cook out the wife takeing care of the flowers
going out comeing home, work on the car/van or
truck on the house , watch t.v. together or sit together
at the dinner table.and much more to say in the
summer, in the winter being out side when it snows
make a snowman,have snowball fights clean up the
leafs have pancakes and coffee. but the dream is
being taken away from all these famaliys. we did not
plane for this to happen bank of america is giving lost
of us a hard time. famaliys lets pray together and let
god do what is best for us. i try to email the c.e.o the
email is blocked.
88 Actual Worker December 4, 2009 at 8:46 pm
Hi, I’m reading these posts and have but a few things
to say…
 As someone who read and understood my mortgage
note, who understands that I am required to pay it
back as originally agreed to in both bad times and
good, who has paid his mortgage through hard work
and prudent financial planning, I wish all of you
would simply move out of the homes BofA has a
legal right to and let the bank sell your property.
There are lots of hard-working Americans who make
their payments and are getting no benefits. Why
should someone who is behind on their payments
receive a benefit over someone who has paid their
bills on time? But I guess everyone loves the socialist
mentality so popular in the U.S. these days. Just
remember, socialism lowers everyone to the least
common denominator… no one moves up, we all
move down.
89 miguel alatorre December 7, 2009 at 1:13 pm
It seems like BofA is not to concerned about there
customers. I just returned back from Iraq and found a
letter to quit notice on my front fence. What makes
this so difficult to understand is that I have a letter
from BofA stating my account was current before I
deployed. Especially since I needed a secret
clearance I had to make sure all my finances were
good to go. I have all receipts from the bank when
payments were received at the branch. Yet they state
that I have not payed my mortgage in 2years. I have
tried over and over to get in contact with them and
get the run around. I sent them all documentation and
yet i still get no answers. What really gets me even
more mad is that they did this while i was serving my
country in Iraq. Which if i’m correct they can’t do
unless i’m present. Man I really could use some
guidance on this, I’m already planning on getting a
lawyer but at this point it just seems hopeless.
90 Travelling Nomad December 9, 2009 at 10:59
am
BofA after getting billions of OUR tax money from
the bailout now won’t return the favor. My mom has
her loan with this damn bank and they are giving her
the run around. When my mom called them he talked
to a rep and said that they couldn’t help her because
she was still making payments on her mortgage
therefore she was on a “positive” as far as their
“guidelines” are concerned. and then the following
week she called again and got another agent and
plead her case again. This time, the agent told her that
she was on the “negative”. You have to people in the
same department that has told my mom two separate
things. They need to get their heads out of their asses
and START HELPING THE TAXPAYERS WHO
KEPT THEM FROM TANKING. But the only thing
they want to do is to bend taxpayers over and use
sandy vaseline to say “thank you suckers!”.
Just yesterday my mom talked to my aunt’s friend
that used to work for BofA. My mom pleaded with
this person for help. What she told my mom?….the
reason why she left BofA was because they did not
know what they were doing. And that all they want
are the phone calls but they will not do anything.
They just need to prove (i guess to regulators) that
they take in so many numbers of calls regarding
mortgage help…but not have to account how many
they actually help.
My mom has never been late on her payments, even
pays extra each month, house they can afford (did not
buy beyond what they can afford)….just got affected
because of the market slump…thanks to Wall Street!
…but her lender doesn’t seem to care. All these
lenders doesn’t seem to care!!! It wasn’t our fault the
market tanked….so why are WE having to bend over
like it was our fault? The federal government gave all
these giant corporations billions of bailouts….all of
these people who bought a house way way way
beyond their means got help….but nearly no help for
people like my mom who have to choose whether to
have money to eat or pay their mortgage to have a
roof over their heads!! We should’ve just let all these
corporations who put the economy in its current
situation go bankrupt!! Humankind started and
evolved without banks millions of years ago. Why
are we now so worried about all these banks tanking
now?!?!?! True economy will be really hard if these
establishments were gone….but is our economy any
better now that we bailed these @$$h0l3$ out? Im
pretty sure we’ll survive without Chase, Bank of
America, Geico…etc. etc. etc. There are other
companies that didn’t need bailout money that does
the same things as these companies do.
We saved them from going bankrupt and now they’re
making honest people like my mom go bankrupt and
have to choose to eat or have a house!!!
91 nick mohibi December 9, 2009 at 2:13 pm
I got sick on feb 3rd was hospitalized for 2 weeks
when i tried to return to work (used car dealer ) i was
laid off and the dealer ship was closing i called BofA
and explained my story that i got laid off and that my
wife is also preganant that fro 5 years straight never
late and i really need help and i also have 3 year old
the f%$# b&%@h from BofA told me bluntley if i
miss another payment i would lose my house. i have
not made a payment since march 09 and evertime i
call same song and dance lies lies and more lies not
that i have the money and not paying . where is the
 help for crying out loud . having 3 kids and not
knowing about whats going to happen tommorrow is
really stresful . these ceo’s can take money from the
government to help the home owner instead they give
them selves 30 mil bonuses can some one help please
92 Svetlana Kostel December 11, 2009 at 4:02
pm
This is the worst nightmare anyone could have trying
to modify their loan with Bank of America! The
people who answer the phone don’t know anything,
don’t want to help and resemble robots who follow
the script rather than human being with brains. I’ve
been calling BofA for the last week trying to initiate
the loan modification on my second mortgage with
them. Their lines are so busy that I would have to
wait 30-40 minutes just to get someone of the line.
Then they transfer me to another department and the
call drops off and I have to start from the beginning.
Today I finally talked to someone who took my
financial information and told me I don’t qualify.
When I asked why, he couldn’t give me a reason,
says their system only says that I don’t qualify,
nothing else. I insisted to talk to the manager and
after discussing this issue with his manager, he told
me that I maybe able to qualify through BofA
immanent default department. I asked for their direct
number and when he put me on hold, the call dropped
off….This is so unprofessional! The only way to get
something out of this Bank is to be very, very
persistent and don’t give up! It is very unfortunate
that all they train their employees is to blindly follow
their manuals and scripts and don’t use their brains.
Moe Bedard from LoanSafe.org sent me and I will
share my story on LoanSafe.org/forum in the Bank of
America forum.
93 Merrill December 14, 2009 at 11:14 am
I have been trying for almost half a year and the same
thing keeps happening to me.
Is there anything that I can do?
94 Beth December 14, 2009 at 8:28 pm
I sit here and read all of these posts after I just hung
up ,on yet another call, with BoA. We have been
working with them since June ‘09. My husband got
laid off and as soon as we knew it would be a
problem, I called BoA and asked what could be done.
I was told “nothing”, “we have people that are way
farther behind than you”. Well, guess who got farther
behind?!
They don’t except partial payments, so we didn’t
know what to do. Then starting in Nov. we were
getting notices of a sale date on our house!! We had
know idea. I was talking to someone about twice a
month and always told “your under review”.
Then when I called in Nov. they told me “still under
review”.
I asked for a supervisor and he told me there was no
sale date yet. But, we continued getting notices from
their lawyer! Finally, we had paperwork fedexed to
us. Here was our loan modification—$60 more than
what we were supposed to be paying!!!!!Hello! we
can’t afford the payment now, what makes them think
we can afford a higher one?! I’m just sick of BoA. I
get the run around every time I call. Everyone seems
like they’re reading from a script and noone there
really cares if you lose your home or not. We just
wanted a lower monthly payment until we get
through this rough time. My husband didn’t ask to be
out of work, he is a carpenter & we were doing
alright. The bank got help, why can’t we?????They
got help when they were going through hard times,
where is our help? Is there anyone else that can help?
BoA told me that was their best offer.
Moe Bedard from loansafe sent me & you can share
my story on loansafe.org
95 Gary December 15, 2009 at 1:50 pm
I had similar problems like the rest of the senders
above. I was denied 4 times by Countrywide/BA
already. And I’m really very frustrated. I tried calling
the corporate office for help and complain, but
nobody want to give me the phone number or e-mail
addresses of Kenneth D. Lewis, CEO or Barbara J.
Desoer, President Home Loans. Does anyone know?
The people that I spoke with at (704) 386-5681 said
that they don’t have these information ( I wonder
how they communicate with these executives?), and
kept on transferring me to their Home Retention
Assistance that denied me 4 times already (aside for
waiting too long to be connected to a representative
and be transferred several times). I really don’t know
who to turn to for help. I sent an e-mail to our
congressman (Howard Berman); our two senators
(Diane Feinstein & Barbara Boxer); and to the White
House for help. Let’s see what kind of help I will get!
I thought our government is getting rid of the
“negative amortization loans” which I have. That
alone should qualify me for loan modification. If it
will not be modifed, how can I get out of that “neg-
am” loan? Or what branch of government oversees
President Obama’s “Home Affordability Plan”
program? Moe Bedard sent me and that I will share
my story on LoanSafe.org/forum in the BA forum.
96 Leah December 15, 2009 at 2:26 pm
Got a home modification, but it is next to impossible
to get anyone on the phone; they have lost papers of
 mine, including income tax four separate times. Have
to pay to faxes they keep losing! When you do get
them on the phone, they have been very helpful to me
and seem concerned…not all bad experience, just
hard t
97 Regina Brown December 15, 2009 at 4:15 pm
I’m not in trouble, never been late, have an excellent
credit score, maintain 5 different accounts with Bank
of America (including my home loan which they
acquired via Countrywide) and been a customer for
over 20 years. Bank of America will do NOTHING
to help me. I’m not asking for loan modification or
refinance. All I want to do is solidifymy ARM for a
few more years. B of A tells me I have to refinance. I
asked why couldn’t they just convert to a fixed rate or
extend the ARM. I was told it was because I was
changing the terms of the contract. I then explained
that since B of A holds the contract, they can change
the terms. I heard silence on the other end and then
the gentleman told me there was nothing he could do.
Why would B of A choose to alienate customers and
sink the current housing situation even lower?
98 Jessica December 15, 2009 at 9:39 pm
We need help desperately!! We have 6 children and
we love the neighbors and school we have! we have
had this loan for 1 year, and for about 1 year we have
been treated like idiots by B of A! I have sent in
paper work and took all the “necessary” steps for a
“modification” over and over again. Still no
progress…..nothing, they have none of my paper
work, no record of me requesting a modification…
again, nothing!! Our struggle began because my
husbands hours were cut dramatically (economy
crap), I have been cleaning at night (sometimes ALL
night) trying to make up the difference, that’s not
going so well!
We are very hard working people, doing ALL we can
and we supposedly are perfect candidates for
Obama’s “program”. We have recently began dealing
with the NACA. I just scheduled our workshop appt.
today. Any advice, ideas anything would be greatly
appreciated!! if we were to lose our home my
Husband, myself and our 6 babies will literally be on
the streets!!
99 Dawn Wylie December 16, 2009 at 12:47 pm
It isn’t just B of A. It is all of them. Unfortunately
they can’t figure out how much it is costing them to
foreclose. Looking for another bail out I guess?
100 larry December 17, 2009 at 10:35 am
i have not made a payment to countrywide/boa since
8/1/08 16months-separation,loss of
income,unemployement and raising two kids and a
morgate payment that jumped $1100 per month after
a country wide modification in 6/08.i couldnt afford
that payment.bank of amarica said they would help
and it took almost a year for them to offer me a
modification and in september 09 they did so
lowering my payment with escrow to $2400 which i
can afford-i accepted and have not recieved anything
from them-no work out papers and they keep asking
for new financial info and say the file was sent to the
wrong department and has ben sitting in limbo-my
arrears $57000-they are lying and stalling-i will not
pay and have the money sit in a separate account-they
told me in july 09 not to pay while i was being
modified and said i didnt need a lmp sum-looks like
im headed to bankruptcy court to save my home
101 Rere December 18, 2009 at 2:43 pm
WHERE IS ATTORNEY GENERAL JERRY
BROWN? Or was all HIS posturing was for the
press!!! I guess he is vying for the Government office
and don’t want to piss off the BIG BANKS! Why
don’t he go after BANK OF AMERICAN like he did
the LOAN MODIFICATIONS COMPANIES…At
least they got more loan s modified then BANK OF
AMERICAN! B OF A is not even honoring the
settlement agreement!
WHERE IS OUR ATTORNEY GENERAL???
102 ReRe December 20, 2009 at 4:41 pm
Fellow Comrade “Victims” of BofA (Bullies of
Americans),
I read the e-mail below from a B of A employee who
actually took the time to read something, I mean with
them being so” swamped” and bogged down with
modification documents… “Working” hard on
helping Americans homeowners in distressed, I am
surprise that they had the free “time” to get on line
and read our complaints. However, I found the
comments insensitive to the American people who
are hurting and a bit condescending, but the
comments are indicative to the attitudes and
treatment that many of us on this blog have spoken of
and experienced in dealing with BANK OF
AMERICAN HOME LOAN REPS when trying to
get the help we need and the help that was promised.
This “worker bee” must have been under a rock for
the past 2 years…Or he would realize that the hlep
we are asking for is the same help that the company
he is working for accepted from “US” THE
TAXPAYERS in the form of a bailout because of its
mismanagement and bad business decisions! LET’S
GET THIS CLEAR…IF IT WASN’T FOR THE
BAILOUT MONEY Bank OF America RECIEVED
AND OTHER BIG BANKS, THEY TOO WOULD
HAVE BEEN UNDERWATER/FORECLOSED
UPON. …and you “worker bee” might not have a
Job….
Where is your empathy? Please don’t be so
judgmental on the “same people” whose tax dollars
helped you out!
The Actual B of A worker wrote: “There are lots of
hard-working Americans who make their payments
and are getting no benefits. Why should someone
who is behind on their payments receive a benefit
over someone who has paid their bills on time?”…
end quote
My answer to your question is the same to you…
There were many other BANKS who managed their
businesses well and made good business choices,
WHY DID YOUR COMPANY TAKE & NEED
BAILOUT MONEY? I believe in the word of GOD
and this is a nation based on Judeo-Christian
values….Jesus said, “Let him without sin cast the
first stone”.
And my mama always said that people living in glass
house should NOT throw stones…And the house you
work in (B of A) is “very” thin glass!
Read the comments in its entirety below from :
88 “Actual Worker” (for B of A)
December 4, 2009 at 8:46 pm
Hi, I’m reading these posts and have but a few things
to say…
As someone who read and understood my mortgage
note, who understands that I am required to pay it
back as originally agreed to in both bad times and
good, who has paid his mortgage through hard work
and prudent financial planning, I wish all of you
would simply move out of the homes BofA has a
legal right to and let the bank sell your property.
There are lots of hard-working Americans who make
their payments and are getting no benefits. Why
should someone who is behind on their payments
receive a benefit over someone who has paid their
bills on time? But I guess everyone loves the socialist
mentality so popular in the U.S. these days. Just
remember, socialism lowers everyone to the least
common denominator… no one moves up, we all
move down. End
I cannot believe that a Company who needed HELP
(Bailout) themselves could not extent the same
courtesy…it just behooves me! We are within or
RIGHT to ask and expect help and empathy from our
fellowman. We are not ALL loser and irresponsible…
many of us were preyed upon by a system that these
big BANKS created the environment for…by paying
top dollars to predatory lenders to bring in a “certain”
type of ” loans”…We are not the SOLE reason that
we are in this mess…Yes, we are guilty of trusting
“the loan brokers” and “mortgage brokers” who
courted us and place the “American Dream” in our
reach…(especially in the African America and
Hispanics communities). They called and courted the
elderly whose homes were paid off in many cases…
And some of them didn’t even know or had never
thought of “taking the equity (money) out of their
homes”…They were seduced by slick talking brokers
who packaged and sold those loans to Bank of
America, Countrywide, ect., who greedily awaited
them to further make money off the ARMs and other
deceptive packaged loans!…Oh yes baby I know!!!! I
got the full picture now! SO don’t you dare call us
irresponsible or socialist!
We have been dealt with unjustly under false
pretenses and continue to be so with the “fake” and
“half hearted” attempts at loan modification by Bank
of America who was so bad at their attempts that
theyb were CALLED out by the Feds.
I have to laugh at the B of A commercials running on
television…I guess this is a PR attempt to repair the
banks damaged imaged. They will have to do more
than that! I literally cringe at the sight of the Bank of
America logo or image…And I hear the customer
service hold music in my nightmares!
Yes! We are justified by our FAITH to ask for this
help…YOU “Actual worker bee” read below, what
the word of GOD says about this situation:
For the sake of the story let’s say that Bank of
America is the “Servant” and we (the victims) are the
“Fellow servants”…
The Bible says:
23: Therefore is the kingdom of heaven likened unto
a certain king, which would take account of his
servants. And when he had begun to reckon, one was
brought unto him, which owed him ten thousand
talents. But forasmuch as he had not to pay, his lord
commanded him to be sold, and his wife, and
children, and all that he had, and payment to be
made. 26: The servant therefore fell down, and
worshipped him, saying, Lord, have patience with
me, and I will pay thee all. Then the lord of that
servant was moved with compassion, and loosed him,
and forgave him the debt.But the same servant
(BofA) went out, and found one of his
fellowservants, which owed him an hundred pence:
and he laid hands on him, and took him by the throat,
saying, Pay me that thou owest.
And his fellowservant fell down at his feet, and
besought him, saying, Have patience with me, and I
will pay thee all. And he would not: but went and cast
him into prison, till he should pay the debt. So when
his fellowservants saw what was done, they were
very sorry, and came and told unto their lord all that
was done. Then his lord, after that he had called him,
said unto him, O thou wicked servant, I forgave thee
all that debt, because thou desiredst me Shouldest not
thou also have had compassion on thy fellowservant,
even as I had pity on thee? And his lord was wroth,
and delivered him to the tormentors, till he should
 pay all that was due unto him. So likewise shall my
heavenly Father do also unto you, if ye from your
hearts forgive not everyone his brother their
trespasses
(Matthew 18-23-25)
So please get it straight! I am highly offended by
your lack of empathy and your misinformed
statements. That is just plain ignorance to assume that
one size fit all.
I pray that one day you might have the misfortune to
walk in our shoes one day. I can imagine what are
you going to say to the “new wave” of Americans
facing foreclosure due to job loss…”find a job”.
Mine is just another story is what is becoming a great
America Tragedy…The day where someone would
think of it okay for Americans to just lose their
homes …I quote you “Actually Worker of B of A , “I
wish all of you would simply move out of the homes
BofA has a legal right to and let the bank sell your
property”. .. end quote…I shudder to think you are
the ones who are suppose to be helping us stay in our
homes…I just wonder how many more Bank of
America employees share your sentiments…Ones
you have shared so freely and ruthlessly.
Those who agree with me say Amen!
Regards,
R. Franklin
a.k.a. Rere
103 L-bone December 22, 2009 at 6:52 am
Greed, lies, rip-offs and more lies…. Apparently that
is what should be expected when dealing with Bank
of America and former CountryWide, that is the
treatment I have received. I started out with 20%
down and a job, and good credit. My initial loan
consultation was okay, told 6% to 8% should be the
range I should expect for my home loan. Then it was
time to sign… Now it is 10.4% because my debt to
income ratio wasn’t satisfactory, after 3yrs of a hard-
screwing I would be eligible for re-fi at a lower rate.
Three years later, after paying on time and in fact
early no go. Then the “crisis” hit and Obama came to
the rescue with hundreds of millions to the banks to
help people who have lost their job. What a joke, the
theiving, lying greedy banks kept it all. I was told to
come back when I had a job. I explained to the Bank
of America manager that if I could pay $1100.00/mo
on unemployment I surley could pay $650.00 with
money left over and hang on to the house. I explained
I do not want any “bail out” money, just lower
interest rates. With a nice smile I was told basically to
pay until I am bankrupt, drive off to parts unknown
with nothing and have a nice day. I had to leave
before I was arrested which might be a better option
than refinancing with Bank of America, at least I
would be fed three times a day and have a place to
stay. Greed is what caused the rich to give away our
economic base and jobs to the communists, greed is
what is keeping the unemployed paying high interest,
and greed will ultimately make the United States of
America a third world country in less than 10 yrs.
Thanks Bank of America and all the scum like your
company helping to sink everyone deeper and deeper
into the pit you have created with your greed.
LC
104 Sharon Lambert December 24, 2009 at
11:35 am
I am posting a letter I have written to my
Congressman. I want to point out that we have been
very impressed, and touched, by the way Mr. Lloyd
Lenhart has dealt with us. He has never avoided our
phone calls, and he was very attentive and seemed
sincere. So no bashing my Congressman’s Richmond
representative. He is a fellow American with a family
to support just like the rest of us.
Dear Sir,
I am very disappointed in the lack of representation
for the average American in this current recession.
We, and many members of our community, are
receiving letters daily from banks cancelling accounts
we have never been delinquent on, raising our
homeowners insurance, reducing our credit limits on
credit cards, foreclosing on our homes, and a list of
financial horrors that goes on and on. Many aren’t
speaking out on it because they are ashamed. When
my husband and I started talking about it I could see
peoples eyes glaze over with that, “yeah right, why
don’t you start paying your bills, or get a second job
etc..” Those same people are now telling us they have
received letters from banks and they have not been
delinquent, or asked for help, or anything to deserve
this.
Our politians are not being firm enough with the
banks. You, Mr. Cantor, and your peers that were
elected to help, to serve and protect the American
people, are falling down on the job.
I have a warning for you, you too could be in the
same situation some day. I have seen with my own
eyes that no one is immune, or protected from
financial failure. We have tent cities of homeless
people popping up all over America. Not bums and
addicts, but families, professionals with Bachelor
 degrees and Doctorates. People who have dedicated
their lives to this country are freezing and hungry.
The banks may be getting away with this now, but I
would like to say that Americans have a good
memory. We will remember who kicked us when we
were down, and who stretched out a helping hand.
We have met with Mr. Lloyd Lenhart at your
Richmond office. He was very gracious and patient
with us and we liked him. However, he has been
unable to help us also, which leaves us to believe that
even our Congressman is ineffective in dealing with
the banks, and therefore ineffective in helping their
constituents. Mr Lenhart has stated that Bank of
America will not return his calls. That I can believe,
but even more so–a reason that our representatives
should be angry.
A very frightened and disillusioned American. See
you in the bread lines, maybe we will break bread
around a campfire soon,”Neighbor”
Mrs. Sharon Lambert
105 Keith A Haden December 27, 2009 at 11:53
am
My husband has been sick with squamous cell
carcinoma cancer since august of 2009. We have sent
paper work and everything they need on 4 different
occasions ,and been fighting this battle since
Oct.2008. they tell us we dont qualfied for one there
gonna try something else . We want to keep our house
i call at least twice a week or more , any
suggestions ? Help Thanks, Audrey Haden
106 Kimberly Weatherspoon December 28, 2009
at 2:56 pm
My name is Kimberly Weatherspoon. I was refferred
to this website by Moe Bedard from LoanSafe.org. I
‘ve been requesting help from Bank of America for 8
months or more. Everytime I call to inquire about my
loan status, I have to submit my information over
verbally as well as several misplaced faxes. The most
recent information I received was that I did not
qualify for a modification, but I did qualify for some
sort of assistance. I can’t seem to get help without
starting all over from square one, which seems to be
costing me a lot of time. I have submitted everything,
everytime I am asked (repeatedly), but to no avail. I
can’t believe this organization does not communicate.
Noone knows who is handling what.
107 Charle December 29, 2009 at 4:18 pm
After reading these post I give up, My family is in
Arizona and our insurance jumped from 350 a month
to 750 so we dropped it during open enrollment while
purchasing more affordable health care my appendix
decided to burst 3 days in the hospital over 30000
dollar bill another 700 dollars amonth going out. Our
new situation has pushed us to the brink this month
we could not make our house payment on time. First
late bill in fourteen years on anything perfect credit!
WTF. Bank Of America asked us if we had any
assetts to sell to make the motgage, what? We are
currently looking for help through a loan
modification company with an A rating but BOA sold
our mortage 4 months into the process to a sister
company. So we have to start over we have put alot
of money into this house we just need a lower rate.
We will probably loose another 15 percent income
this year because we have a state job. Im sad and sick
of bad luck and sick of being over extended.
108 barbette jefferson December 29, 2009 at
11:24 pm
Hello my name is Barbette Jefferson.
Bank of America , told me that I didn’t qualify for the
FHA- Hamp program because,
the partial claim is too high. Can someone please tell
me what this means.
My gross income is $4,350.00 a month. My monthly
expenses is $1,313.00 a month
My principal balance on my home is $247,000.00.
My mortgage payment now is $2,148.66, my P&I is
$1,554.13, and my escrow is $594.53. Could
someone please
calculate these figures and tell me why I don’t qualify
and what I need to do to qualify.
Thanks for your time,
Barbette Jefferson
847-353-9727
barbettejefferson@yahoo.com
109 Bridget December 31, 2009 at 8:17 am
We are going through all the same dilemmas as most
whom have posted here. My husband has been laid
off since April, our income has been reduced by 60%
since about 2007. Thankfully we had some savings
that has helped us maintain until October, 2009. We
were not behind, but knew that if we didnt do
something, we would soon face default. I contacted
BOA “imminent default” department after reviewing
the new MAH modificaiton guidelines at the
governments website, that detailed it was now to
include those homeowners whom were current.
 We gave our information to Oscar, he told us we were application as well as over the phone …to no avail .
pre approved for the 3 month trial period and that we We have four children under four and are in financial
would receive paperwork in the mail in about 15 hardship right now . One particular time i did get
days, and to call back to check. through to the imminent default dept and explained
Well…we’ve been calling back to check 2x a week we were desperate to get through before we defaulted
since then, been transferred to numerous departments on our mortgage, the ladys response was to make
from Home Retention to Refinance (dont qualify) and sure we paid our mortgage on time … ” So what then
Imminent Default. Finally on Dec 18th a rep told us was the nature of my call ? “
that we needed to send in paperwork = hardship
letter, form 4506T, 2 months bk statments, 2 years tax 111 Randy Thornhill January 4, 2010 at 2:56
returns and proof of income. Did that immediately pm
(she was the first person to ask for that). Asked when
we could start the modified payment I as quoted, she Barbette:
told me to check back with Retention dept,
transferred, and disconnected (every phone call
It sounds like you are getting the run around from
eventually gets disconnected)
BOA. This is not un-usual because they are one of
the most difficult banks to deal with.
So I called back yesterday… the rep pulls it up,
reviews the notes and tells me that we are NOT in a
Partial Claim being too high is essentially bank speak
trial period yet, that the first rep FAILED to save and
for, “you have too much money left over at the end of
send our information through. Yes they have the
the month for you to qualify for the FHA-HAMP
papework I sent in, but I have to wait on a package ,
program. ”
which takes about 45 days. REALLY, we start again?
Its truly sad that they are this incompetent, no wonder
our economy is suffering so much! They should base your mortgage modification
request off of “net income” not “gross income”. It
looks like they are going off gross, and if this is the
I begain struggling in October when I called in, now
case, they are assuming that you have around
that I have to wait another 45 days, because THEY
$888.34 left over each month. (You get this figure by
failed to follow through? Yet, they claim to the
adding your $2,148.66 mortgage payment plus your
government that the homeowners aren’t getting the
other monthly expenses of $1313.00. You get a total
papework in. I can see why some of them would get
of $3,461.66 monthly expenses. Subtract this from
lost in this process, its a joke!
your gross income of $4,350.00 and you get a
remaining balance of $888.34.)
I would also like to add… I read and understood my
note and obligations, I have abided by them, I have
Your best bet is to call your negotiator and speak with
been proactive in contacting BOA and being
them directly. Inquire as to why they turned you
cooperative. Why is it that BOA can’t understand and
down and ask for clarification. Also, insist that they
abide by their obligations to the taxpayers and their
base their decision off your net income and not gross.
charge of participating in the MAH program? Do
You pay your bills with “after tax” money and they
they not understand how to do this? Are they not
should qualify you for a mortgage modification based
under requirements to do so given the TARP funds
on this fact.
that have sustained their business? What about the
incentives they are given PER modified loan that
they accomplish which is on top of their already huge You should also ask your BOA negotiator what other
bailouts? mortgage modification programs they have. The
majority of my clients get a successful internal
mortgage modification instead of a government
I am in OHIO, if anyone knows what I can do to
backed one.
escalate this process, please advise!

If you have any other questions, I will be glad to

110 Hugh Mcmahon January 3, 2010 at 10:55 am
discuss them with you via email.

We have spent countless hours on the phone with

Hope everything works out for you.
BOA and they have done nothing except give us the
run-around . We have been told by several reps that
we qualify for a loan modification . We have literally Sincerely:
been begging borrowing and cadging in order to
prevent loan default . We have submitted online Randy D. Thornhill
112 Randy Thornhill January 4, 2010 at 3:05
pm
Hugh:
I am sorry to hear that you are in a tough situation.
You are not alone. Trying to get a mortgage
modification on your own is very difficult. In most
cases, your lender is not your friend.
If you have tried every avenue with BOA and they
are still giving you the run around, I would suggest
that you contact the Office of the Comptroller of the
Currency, the Office of Thrift Supervision, the FDIC
and of course, the Attorney General of your home
state. One of these entities should be able to open up
a case on your behalf and put pressure on BOA to
modify your mortgage.
I have a friend of the family that has a 10 year old
daughter with brain cancer. I assisted them in
obtaining a successful mortgage modification from
BOA. After months of trying and getting nowhere, I
115 Bev January 5, 2010 at 8:30 pm
wrote all the of above listed governmental agencies.
The AG of Florida got involved and his staff helped
put pressure on BOA. Two weeks later, my friend got
a much needed modification.
Keep your chin up and “try….try again.” Your
persistence will pay off.
Sincerely:
116 Ken B January 6, 2010 at 7:59 am
Randy D. Thornhill
113 Michael Chugg January 5, 2010 at 5:23 pm
After 8 months and 25 different phone calls and
paper work lost to Bank of America, I will filed a
lawsuit through a law firm in Washington State and
would love to hear from you so that we can make this
a class action lawsuit.
If I had not used an attorney, I would have lost my
home on Friday January 8th because Bof A told me
all is well, we have your payments, just keep paying,
it just takes time, we are really behind.
117 susan January 10, 2010 at 3:36 pm
But I am suing them with gusto
114 Bev January 5, 2010 at 7:37 pm
Hi Michael Chugg,
I live in Kirkland, Washington. I started the BofA
loan modification last year. NEVER got anywhere
with them directly. This went on for 5 months.
Looking on line, I ended up hiring an attorney from
California…long story short. They sent papers to B
of A in Sept 09. Never heard a thing from Bof A.
Exactly 90 days later,as required by law, I get a
package of all my loan documents, and a letter from
Sabrina Dill, some analyst who told me they did not
accept 3rd party requests for information.. Attorney
representing me doesn’t count?
It seems as this is just a familiar stall tactic!
I am livid! They made some bad decisions, and
because of their decisions, B Of A was sure in the
front of the line to get the taxpayer funded bail out.
That is the only time they have ever appeared
humble. If you are looking for people to sign up for a
class action law suit. I would like to be on your list.
When I listen to the lives that are in ruins, or stressed
so bad they are going to be shortened, I get really
angry at the bank’s indifference.
They need to be responsible for results of loan
modifications closed, not how many phones they
answer. Is there a way we can count how many times
we had to call back because they disconnected us??
I live in Kirkland, Washington. I would love to talk
with you. I too have a tale of woe with B of A. I read
these letters and it made me very angry. here is my
email bev@travelrxbag.com
thank you for starting this!
Bev
We are not financed through BofA, (Litton Loan Svc)
hence, experiencing what everyone else is!! Our bank
basically told us there is no chance of loan mod! And
if we want to save our home we have to come up
with all this money! 4-5 homes were foreclosed on
my side of the block alone, and are now selling in the
low $100’s! I bought my for $600!! Litton rather
have my home, regardless take a loss and put me and
my family out on the street rather than work with
me!! What option do we have? I HOPE
SOMETHING GET DONE ABOUT THESE FAT
GREEDY CATS PROFFETING OFF THE BLOOD
OF HARD WORKING PEOPLE
Another boa nightmare. I have been trying to work
with boa for about a year. I continue to get the run
around. When is Obama going to do something about
this. He is the one who never put stipulations on the
money to begin with. My situation is also caused
from a local bank that approved an appraisal after my
house was built. I somehow ended up with an
 appraisal to match my construction loan. I am now
paying for a 3 bedroom 3 bath home, when I really
have a 2 bedroom 2 bath home. Gee, I always wished
I had rain gutter too! All banks are crooks. Money
talks.
118 Cathy January 12, 2010 at 10:47 am
WOW! same stories just different names! Our
original loan was with Countrywide. No prob,loved
em. After many solicitation letters , we thought
maybe we could pay our mortgage off a little sooner
and maybe a little lower interest rate. BAC nightmare
begins. Our credit is great. Everything submitted,
only owed less than $60,000. Payed our initial
fees,only to still not being closed 6 mos. later!!
Called and told them to cancel due to tired of run-a-
round. Still get advertisements regularly to refinance.
Are you kidding? Will be talking to an attorney to
recoupe application fees.
119 Hank L. Hewgley January 13, 2010 at 1:46
pm
Bank of America is TOO BIG to help any of us. It
has gotten so big the left hand does not know what
the right hand is doing-ZERO communication
between California, Texas, New York and India.
Forget getting a loan modification from BOA-you
will never get it. BOA is not interested in spending
the government bail out money on you-they have
their fat cat executives to pay their bonuse’s and
drawing interest on the billions they received. While
they put you on the three month partial payment
agreement they are also reporting to the three credit
bureaus that you are not making your mortgage
payments and ruining your credit. I sent ALL the
required payments by express mail and postal money
orders-I complied with all the request – I talked with
people in California, Texas, New York and India- and
got twenty different answers to any one question I
asked.
I just received a letter from BOA in Texas informing
me I am going to be foreclosed within 60-90 days.
When I spoke with three of the BOA Indian / United
States delagation I was told not to worry about it. I
told Jack and Inezia in India and young Richard
(somewhere in U.S.) to forget the Loan Modification-
121 Christine M. Podobailo January 16, 2010 at
I will make my regular mortgage payment starting in
10:22 am
February at the local BOA and hope this nightmare
goes away. By the way, THERE IS NOTHING ANY
OF US CAN DO ABOUT THIS MONSTER OF AN
INSTITUTION AND THEY KNOW IT.
120 Christine M. Podobailo January 16, 2010 at
9:28 am
122 Anastasia January 18, 2010 at 11:05 am
Yesterday I went to Bank of America to drop a
payment for Jan. 2010. The bank was unable to
accept the payment and I was told to call customer
service./ Great…another few hours talking to “air”. I
called & found out my home is now in the beginning
steps of foreclosure. My home loan went into
modification January 2009. One year later, and after
months and months of hourless phone calls, and no
two people every giving me the same response…this
is what I get. NOTHING!
I did everything they told me to do,I sent in the
paperwork, sent in payments, called them when
payments were returned.The bottom line is that
someone, more like alot of someones, did not do their
job correctly. They took my piled up payments and
applied them incorrectly. Now I suffer. I am losing
the home that I have made my home for over 11
years. The government gave this HORRIBLE
company money and the power to steal our homes
from us. So what I have to say is this…THANK
YOU FOR NOTHING BANK OF AMERICA and
thank you My United States government for not
having someone watch over these robbers, the ones
you paid to help your United States citizens keep
their homes and who turned out to be the ones who
line their pockets more. Now my nine year old son
and I are out of a home. What is happening here????
After the bank “phone person” gave me the attorney
phone number because they were unable *(like usual)
to give me the amount I needed to come up with to
bring the balance current, I phoned the attorney, who
in turn gave me the same response, that they needed
to call BoA to find out and then they would mail me
the amount in 10days. I dont get it. I’m trying to do
the right thing here….and NO ONE EVER wants to
help. That is what is wrong these days. No one wants
to help , or maybe no one knows their job. You know,
between losing my job on 11/28/09 and now this
foreclosure, I am tired. If I can’t find someone to help
me, I may just mail BoA my house keys and walk
away like some people are doing. They’re going to
get the house in the long run, right? Wasn’t that there
plan all along? Oh and make sure that the CEO’s get
a whopper bonus, but make sure to send all of us a
thank you note for it! I wish someone would gather
us all up and take these jerks to court!
flowershopgirl66@att.net
I am going to contact the Illinois Attorney General
office on Tuesday 1/19/9 in regards to the BoA
crooks. They were very helpful to me in the past. If
anyone would like to join me, please contact me.
flowershopgirl66@att.net
 In October of 2008 my husband was hurt in a car
accident, he is the primary income in our family. He
was unable to work for three months. A friend of ours
that has BofA called me and told me the bank
deferred his mortgage payment for three months (he
was going through a divorce). I was like cool so I
called BofA and spoke to Jennifer after spending an
hour on the phone going over our finances she told
me to “get a second job”. I wanted to jump through
the phone and pound her for that comment, I called
the next day and spoke to a supervisor and ran down
everything including Jennifer’s comment and the
supervisor didn’t even care it seems like I was
wasting her day.
Here it is 2010 and we are still asking BofA for
assistance, but we don’t qualify. I have been with
BofA for 10 years never once missing or being late
on a payment and this is how they treat customers.
Iwas told by one representative the only way they
will help is if you are behind on your payments well I
stopped making payments and they still say we are
not in the right criteria of people to be helped.
The Obama plan only helps the FHA, Fanny Mae,
Freddie Mac mortgage holders. Let me tell you this I
will not do any type of banking with BofA ever
again.
For a company to turn their back on customers in a
time of need is total crap. From the prior comments it
looks like I am not the only one who is sick of BofA
and their employees.
123 Chris January 19, 2010 at 8:17 am
I’ve been trying to get a loan modification with Bank
Of America for months now. I recently lost my job
and i’ve never been late. They told me that I had to
speak with the “imminent default” department. After
speaking with them they asked me to send them
documents and did so. It’s been 2 weeks and I
haven’t heard anything so I decided to call them.
WOW! I called 7 times and 3 out of the 7 times I was
disconnected. One of those times I was actually on
the phone with the representitive and she put me on
hold, well she must’ve then transferrred me because
customer service then answerered! What the heck is
going on at BOA???!! I know things are bad but they
are doing a horrible job at keeping their customers
happy and I don’t think they really even care about
customer service at this point! Sooooo many peoople
have mortgages with BOA and sooo many people are
calling to get a modification that it’s just taking
forever and i’m sure thousands of people will have
their paperwork lost and displaced it’s a nightmaire!
124 Linda January 19, 2010 at 7:28 pm
I been paying Bank of America since June 2009 my
pre-trial modification of $658.04 and today I receive
a letter that Fannie Mae states Bank of America states
I do not live in my home to prevent me from getting
the home affordable modification. I am sending
documkents to the USA treasury Department , Fannie
Mae, and going to sue them for false slander.
125 chris January 20, 2010 at 8:14 am
I’ve been trying to get a loan modification with Bank
Of America for months now.I did everything they
told me to do.
and they seem to be giving me the run around. Every
week it’s a different person telling me a different
thing, help me !!!!!!
thecarolinaman75@hotmail.com
126 Ken vaughn January 20, 2010 at 1:19 pm
I don’t qualify, After losing my job, My wife passed
away 9 14 09 they tell me i don’t qualify. Never been
late on a payment
credit excellent For the first time in my life i need
help with anything. I quess everbody was right B OF
A Sucks.
127 Christina Collins January 20, 2010 at 2:44
pm
To whom this may concern, I am trying to apply for
loan for the Hope program. I have my certificate for
the first time buyer so i need a lender who would
except my credit score 629
128 Hank L. Hewgley January 20, 2010 at 9:06
pm
Everyone having trouble with BOA need to do the
following:
1. Call your state Attorney Generals office and file a
formal complaint against the Bank of America-breach
of duty, Federal guidelines not being followed
2. Contact the Federal Reserve and file a formal
complaint
3. Contact the currency controllers office and file a
formal complaint
The right hand does not know what the left is doing-
they are so big and have out sourced their customer
service to India.
Everyone who has a loan modification should be
assigned to a person handling your loan.
In addition, call Rita Ramos at 1-818-316-8329-she
contacted the person who was over my case and her
 supervisor. Of course i have not heard from either
one but I am hopefull.
129 Debra oliver January 20, 2010 at 9:48 pm
Ihad a hardship, i WAS OF WORK FOR 7 MONTHS
,AFTER SURGERY, I HAVE BEEN DENIED
SEVERAL. TIMES , DUE TO MISTAKES .I ALSO
WENT TO LAS VEGAS, AND MET WITH A
COUNSELOR. AND ALSO BOA ANGENT, I WAS
TOLD MY BANK LOAN WAS INVESTER OWN,
AND I WOULD HAVE TO WAIT 2 WEEKS. THAT
WAS IN OUT.3,2009.I WAS TOLD I WAS DENIED
DUE TO MY ADDRESS NOT MATHING I HAD A
DIFFERENT MAILING ADDRESS, DUE TO MAIL
PROBLEMS IN THE PAST I DO HAVE A
SECOND PROPERTY THAT MY DAUGHTER
LIVES , THERE AND PAYS THE MORTGAGE.
130 Lucy January 22, 2010 at 4:42 am
Like all I have also struggled to get a modification
from Bank of America, seriously i believe they have
the worst representatives. Or they laugh, hang up or
even worse tell you that you need help and that I
should get a counselor. Seriously, I am a single parent
and no other income and there had been plenty of
times that I have tried to explain to them that I can
not afford the payment and instead of lowering it they
raised it up. I have no idea who to talk to or how to
approach them anymore, I dont want to lose my
home. Its the only place I have for me and my
daughter of 4yrs of age. I have no family here where
I live and her father doesnt even care, then who will
care? Bank of America Doesnt and its a proven fact.
Thank to all for the comments really lets me know I
am not the only only going through BD with BoA, Its
frustrating!
131 becky January 22, 2010 at 3:22 pm
I applies 4 months ago for the making home
affordable, called every month. I got so many
different stories from, Your mod is being reviewed,
still being reviewed…Then YOU HAVE BEEN
APPROVED! Just wait for your packet in the
mail….Waited no packet. Called again to hear, I dont
know who told you have been approved, but they
were wrong, then another person told me we were
supposed to start paying our trial payments in Dec…
We never received any kind of notice. And lastly,
they told me that someone neglected to even review
our loan and now we have to reapply. I am so tired of
the lies, each Rep has a different story. All I want is
one person who knows what they are talking about.
I will be writing to Obama, Attorney general, and my
state reps. If I have to I will call the local news.
132 jax January 23, 2010 at 1:02 am
Hi,
I clicked on the link “Email Bank of America
executives by clicking here”, but I got a page that
said “Article no longer available” – does anyone have
the link to this form?
I have been struggling with Bank of America for
almost a year, and my house is now in foreclosure. I
have until 2/22/10 before the house isn’t mine
anymore. During the modification process, I have had
to send 3 different sets of information, over months
and months, because each person I spoke to when
calling for an update told me I needed to send
different information, and one of them gave me the
wrong fax number to send the forms to!
In the meantime, I have not paid my mortgage in
about 9 months, as they told me NOT to pay during
the process, and I am losing my mind that I am about
to lose my home. I am trying anything to get some
kind of resolution out of this because the stress of it is
overwhelming at this point, as I am sure you all
understand.
I will definitely try that form, if anyone has the link!
133 Janusz January 25, 2010 at 12:07 am
To All ,
Have you tried the traditional route in attempting to
get a modification or refinance through the 800 # and
gotten the runaround?
If you’ve answered “yes”, then please read on.
One approach you can take that will escalate your file
is contacting the Office of the President (OOP)
directly.
1. Send an email to
barbara.j.desoer@bankofamerica.com
Be concise and to the point regarding your request.
Be sure to include your name, loan number(s), and a
phone number where you can be reached.
2. Wait for the call from a customer advocate. You
can expect to hear back from a customer advocate
with the office of the chairman within 24 – 48 hours
of sending your email. If you don’t get a response,
then send another email. When you do get the call, it
will likely come up on your caller ID as “out of
area”, “no name”, or “unavailable”. If you cannot be
reached, the customer advocate will leave you a
message with his/her name and direct line.
3. You will be asked to fax over your information
(even if you have sent in a million faxes already to
another number). While you are waiting for a call
from a customer advocate, start gathering your
information. You will be asked to send in a hardship
affidavit and possibly the IRS Form 4506-T
(available here:
https://www.hmpadmin.com/portal/
prog…_borrower.html). You will also be
asked for 2 most recent pay stubs (or other income
documentation), last 2 months of bank statements,
and a list of monthly expenses. One forum member
(Garry), has recommended going to a local Bank of
America Home Loans branch and have them fax over
your request. They likely will assist you and you
won’t have to pay for it. I also recommend following
up with your customer advocate to confirm your fax
has been received.
4. Wait for the next call assigning you a negotiator.
You can then expect another phone call from your
customer advocate. He/she will assign your file to a
negotiator and will be calling you with the name of
your negotiator and contact information for that
person.
5. Wait for the assigned negotiator to call. You will be
instructed to wait for the negotiator to call you
(he/she will need time to go over your file before
talking to you). Your customer advocate will give you
a timeframe (could be within 24 hours, could be
within 1 week).
Please note that some negotiators will be in direct
contact with you over phone or email and others will
tell you to communicate only with your customer
advocate. Whatever they tell you to do is what you
should do.
6. Check your account status online.
You can log on to Countrywide Home Loans- Equity,
Refinance, and Purchase to check this.
Once you log in, you will see in the upper left corner
of the screen, “Account Options” and under that,
“My account summary”. Click on “My home loans”
to retrieve your account information. You will now
find an expanded menu bar on the far left of your
screen. Scroll down to “Financial hardship” and click
on “Workout information”. You will see two sections,
“Documents Received” and “Current Workout
Status”.
Under the workout status, you should see detailed
information that your file is under review and a date
when more information will be available (and
instructions not to call before that date). I believe the
intention here is to avoid excessive phone calls and
give them adequate time to process your request. You
will also see “Information as of” fill in the date,
“Workout stage”, and “Phase/Sub-Phase”.
You may not see anything under “Documents
Received” yet. It does take some time as the
information you faxed must be scanned and uploaded
into the system. Do not panic…if you’ve gotten this
far, the negotiator has your documents in hand!
Please let me know did it help.
134 Janusz January 25, 2010 at 12:16 am
Regards my prior coments.
KEEP ON TOP OF THINGS! Continue to check your
status for changes and don’t hesitate to call if you do
have questions. If you have general questions, post
them on the forum. Someone may be able to assist
you! The negotiators are obviously dealing with a
large volume of requests. We don’t want to bother
them with general questions and impede anyone’s
progress on getting a modification by pestering them
unnecessarily. Be sure to also post your story and
update others on your progress. We can all benefit
from other people’s experiences!
135 Janusz January 25, 2010 at 12:32 am
Alos read this from “USA Today”
The Obama administration is engaged in high-level
talks about providing financial assistance to
homeowners who’ve lost their jobs and can’t afford
their mortgage payments.
The Treasury Department held meetings on the
subject as recently as Thursday with key
stakeholders, according to Laura Armstrong, a
spokeswoman for Hope Now, an alliance of non-
profits and mortgage servicers, and more discussions
are planned.
Proposals include getting servicers to let jobless
homeowners skip some monthly payments, according
to Faith Schwartz, executive director of Hope Now.
Another possibility that has been discussed includes
grants or loans to temporarily cover part of the
mortgage costs for homeowners who become
unemployed, says Paul Willen, a Federal Reserve
Bank of Boston economist.
 “Treasury has now brought us all together,” says Jack
Shackett, Bank of America’s head of credit-loss
prevention, who is involved in the discussions.
“Even if it takes Treasury awhile to get some
guidance out, the talking itself is great,” Shackett
says.
Treasury officials declined to comment. No time line
for any new government initiative has been set, says
Schwartz, who is also involved in the talks.
The meetings have included major lenders,
economists and government officials from Treasury,
the Department of Labor, Hope Now and the Federal
Reserve.
The discussions come after a $75 billion plan
announced in March by the administration. That plan
seeks to prevent foreclosures and get homeowners
into more affordable mortgages but has been
criticized for getting off to a slow start.
But now, with unemployment nearing double digits,
some economists say efforts to prevent foreclosures
must also involve financial help to homeowners who
lose jobs. Otherwise, they say the housing recovery
could stall.
“We’re seeing interest at high levels,” Willen says.
“At this point, the idea that unemployment is the real
problem (in the housing crisis) is the conventional
wisdom on Capitol Hill.”
Some real estate groups applauded the talks, saying
mounting joblessness will haunt any housing
recovery.
“I’ve not been a part of the discussions, but we are
aware of them,” says Lawrence Yun, chief economist
at the National Association of Realtors.
“If we want to prevent foreclosures, something needs
to be done, and it’s not mortgage modification,” says
Morris Davis, an assistant professor of real estate and
urban land economics at the University of Wisconsin-
Madison, and one of the authors of a relief plan that
would provide housing vouchers attached to
unemployment insurance.
136 Sydney January 25, 2010 at 6:15 am
Now I just waiting for them to tell me that our house
will not be our home anymore …. we are on our trial
period … if we are not approve …. I will just wait
until my last day at our home and destroy it… is this
what you want from us BOA? you will only get the
land and JUNK HOUSE…. and I will go laugh with
the bankruptcy…. I will stop our payment and wait to
file bankruptcy when that time come…
We are tried to fight we had been work so heard to try
to save our house our credit… It’s almost the end
now isn’t it? take whatever you want BOA … you
just can’t take my soul anymore CASH will help you
get through everyone … try to save as mush as you
can … who’s care CREDIT !!! I know it’s not easy to
save your cash … as long as you don’t have to pay
BOA to try to save your home … you will have some
to save ..
I will up date my review and will post some picture
of our damage home if.. it is happen !!!
137 Jennifer Scroggins January 25, 2010 at 2:12
pm
The ball final started to roll after I contacted Barbara
J. Desoer, President Home Loans. Here is her
email….
barbara.j.desoer@bankofamerica.com
138 Anita January 26, 2010 at 8:05 pm
We have been trying now for thirteen months to get a
loan modification and the bank keeps giving us the
run around. It’s a joke. We are not UNemployed –
just have had comissions cut due to the economy and
the current banking fisaco so our income has
dropped. All we are asking for is in interest rate
reduction. They purposely ask for documentation
OVER and OVER just do delay the process.
Basically, they want our house back, period.
139 Michelina Fedele January 27, 2010 at 7:29
am
Bank of America set up a “trial payment” period of
three months while we were in the modification
process. We set up three months worth of automatic
payments in the amount THEY REQUESTED. This
amount was one hundred dollars less than our
mortgage. We continued to receive calls from their
collectors because we were making “partial”
payments. Every time they called we would answer
and they would look at our account and than tell us
everything was fine. Than in January of 2010 (which
was suppose to be our last month of trial payments)
we get a call from the collector who told us that the
“idiot” that set up our modification application did
not click the submit button, thus meaning we were
not enrolled. We had to than RE-ENROLL in the
program. On top of this, we now have three months
of bad credit added to my husband credit. We set up
 another three months of trial payments in the amount
THEY told us. This time it was 200 less than our
orginal mortgage. Last night we received a phone call
from them telling us that they do not set up partial
payments during the loan modification process and
now we are three months behind on our mortgage and
are facing foreclosure. They only were able to say to
us, “we understand your frustration but we don’t set
up lower payments during the trial period.” So
basically, we’ve been paying the two months past due
and all this recurrent late fees. We owed for October
and had this all set up in November. Our November
payment was suppose to be the FIRST of our trial
period. Thus only having us one month behind in our
mortgage. The october payment was suppose to be
bumped to the end of our 30 yr mortgage. How are
you suppose to trust a word these people say. We set
everything up EXACTLY how they requested, yet we
are being punished and stressed and they are not
willing to work with us at all.
140 Babs January 27, 2010 at 9:32 am
I, too, have been trying to get some sort of loan
modification or restructure since May 2008. First I
went to the Bank. After no response, or should I say
too numerous to go into–every time I called I got a
different answer to the same question–then sent in
reams of paperwork over and over again. Everything
they requested I complied with. When nothing was
resolved, I went to an atty only to get ripped off; I
was told not to pay the mortgage etc. When six
months passed, I finally learned that they atty did not
and was not going to do anything and suggested I call
the bank again. So, I began all over again. It has now
been a year and I have contacted HUD (as
instructed); contacted HOPE; contacted the Loan
Mod Dept; and finally, the Advocacy Dept Team (that
is the lastest addition to the Loan Mod Dept). On Dec
30 I was told that I had been “locked” in to the Step
Plan which would have made my monthly payment
totally do-able however it was never sent to the Loan
Mod Dept. Subsequently, the Loan Mod Dept sent me
an outrageous offer for a 30 year loan to be paid over
40 years with a balloon payment of $300,000. That
would be more than a $700 INCREASE in the
monthly payment. The rep then told me that my case
was being handled by the Advocacy Dept Team and
to contact them. There I found out that I was locked
into a 2 1/2% loan but the paperwork was never sent;
that it was “locked in” 9/16/09. As instructed I
followed up last week and was told that the email that
was sent in Dec was never sent; that it would be sent
again Thursday and to follow-up on Monday. Well, I
called. The representative told me that my case was
indeed reviewed; it was denied and closed. How
could that be? The email was sent Thursday about 5P
and by Monday it was miraculously reviewed and
acted upon and denied. After all it has only been
about 2 years since I began this process. Now I guess
I am facing foreclosure but that stage has not yet
begun. I’ve been in my home for 30 years and this is
what it has come to. I am disabled just had my 6th
spinal surgery and now I face losing my home.
141 Kim Garrison January 27, 2010 at 5:44 pm
These stories are identical to what I have gone
through. I am going to get an attorney and sue them. I
have documented all the lies, the unsubstantiated fees
(?) that no one knows about and ask for ownership of
my home. We all should do this..and no I did not buy
a house Icould not afford, but yes I got sick, needed a
liver transplant and had to fight for my benefits from
another crappy corporation. 3 years in court on that
one. What’s going on in this country?
142 Kim Garrison January 27, 2010 at 5:57 pm
Also, contact your State attorney generals office
(Idaho), they are VERY willing to help and have
hired an extra person to deal with the C***. from Bof
A
143 Clyde February 1, 2010 at 11:55 am
Has anyone yet been able to acquire a telephone
number directly to Bank of America’s department
that is supposed to be handling all of our
modifications:
“The Imminent Default Department”?
They to date have never supplied a telephone number
to contact them directly and much time is wasted in
simply attempting to be transferred to this department
via other B.O.A. tel. #s.
Thanks,
Clyde
144 Michael February 2, 2010 at 6:38 am
I have been trying to get the home loan modification
done since August 2009 and have been making the
payments I wa told to make, then I recieved a letter
stating I was behind on my payments. When I called
the modification department the lady told me to
ignore it, since doing so the bank refuses to take any
payment now unless I pay the full amount prior to the
modification. When calling the modification
department yesterday they did not care that I had
applied for the modification only to say I hav to pay
 the full amount due now. Bank of America gets
$10,000 for every person that signs up for this
supposed Home Loan Modification and I know
atleast three other people they have screwed. I am
getting an attorney and I would suggest you find one
too.
145 Michael February 2, 2010 at 6:40 am
One more thing they have not applied any of the
payments I have made so far towards my mortgage,
but they cashed the checks. Shows how much you
can trust the government to loan money to the private
sector.
146 karen February 2, 2010 at 1:57 pm
In 2007 I lost my job due to lack of business. I
contacted Country Wide because i was afraid that I
would not be able to make my house payment – or it
would be late. They told me that I would qualify for a
modification. I started the paperwork with them and
every time I would call they would tell me they had
no record of it. I sent the paper work fax and hard
copy through the mail several times and kept track of
it. I then found a job and figured that I would be able
to catch up after income taxes so I didn’t bother
calling anymore. I then lost my job again due to the
position being eliminated corporate wide. I called
Country Wide / BAC and explained the situtation. I
told them the problems I had last time I had called.
They assured me I wouldn’t go through that again…
Now here I am almost a year later in a modification
that no one contacts me on. When I call they tell me I
am on a list. How far do you have to be behind before
they will help you? Alls I wanted to do is figure out
how to make up one payment -That’s all I was behind
and now the late fees are racking up and they won’t
do anything to help me. It’s ridiculous!!! They claim
they are here to help. The only time I hear from them
is if I have a late payment and then I have to go
through the whole modification thing with someone
who just passes me off to another and another. They
received money to help us and they are doing nothing
or the kind!!!
147 ADAM February 2, 2010 at 3:32 pm
I’ve applied for Home affordable Modification
program with Bank of America.. I filled out an
application over the phone with the “Imminent
default department”. My monthly payments were
$820 for mortgage. I did not have an escrow account,
I used to pay my own taxes. I was told that I qualify
for the program and my new payment would be close
to $450 a month. They said they’ll need to start an
escrow account and add insurance premiums to the
mortgage payment. I can’t have them seperate when
trying to apply for modification. I agreed with all the
conditions. I was told my lower payments would
begin in Feb 2010. I never recieved any paper work
from BOA. I called them many times and I was put
on hold for hours.. They would tranfer me to different
departments all the time. Nobody knows what is
going on with my application. They don’t use same
software or something because they’re applications
are not linked.. Neither department knows whats in
the other departments system. My payments have
gone up from 820 to 1100 because of the addition of
escrow acct and insurance premiums.. I was told my
acct in under review and until then ill have to make
the higher payment to keep my account current.. If I
am having trouble making payment of 820, how can
they expect me to pay 1100???
148 ADAM February 2, 2010 at 3:35 pm
Clyde,
As soon as your connected to BOA customer service
ask them for Imminent default dept.. Tell them you
want to fill out an application for modification..
they’ll transfer you right away.. then you can go
ahead and bitch at them for wasting ure time..
149 ADAM February 2, 2010 at 3:44 pm
I forgot to add.. The lady in the “Home retention
department” said that I need to find a room mate or
askin family to move in so they could help me make
the higher payment for the time being until my acct
in under review?? WTF.. why would I let anyone into
my house?? Is that in guidelines of Home affordable
modification program?? find a roommate??? UP URS
BOA
150 Marta February 3, 2010 at 2:16 pm
I purchased a two family home back in 2002. In
spring of 2009 I fell behing in my mortage as my
tenants moved out and I was unable to get good
tenants….which made sense… if you could afford to
pay want I needed you to pay for rent… most likely
you could afford your own home… I had to take a
lower paying job and my company… and was one of
the lucky ones that did not get laid off. I asked for
loan mod and was told that collections would
continue during the review period… I like most of
everyone here got the run around… had to send
paperwork over several times… In November I
finally received some official papework that would
allow for BofA to actually continue with my loan
mod request… since then… my home has been put in
paper…as foreclosure and I received a letter from a
 lawyer this week letting me know that my home will
be put on auction on 2/18/2010. I called back and Name *
they told me that yes… this will all true and that the
paperwork I signed stated that bofA could continue
E-mail *
with collections process… that I would have to be
very “attentive” and make sure I called them 3 days
prior to sale of home to see if a decision had been Website
made on my loan mod request…. I am physically
sick with worry. I have 3 children and never dreamed
that this could happen to me… I have now asked
them to tell me how much to re-instate my loan…
and will see if there is anyway I can borrow that type
of money (25,000-30,000 my best estimate) to keep
my home… of course since I fell behind my credit is
shit and I will be depending on friends and family…
How can the bank keep someone one “on the line”
for this long and then be allowed to only give you 3
days notice…
Submit
151 dave February 5, 2010 at 2:33 pm

they have much more for our classes hold’on peoples
152 dave February 5, 2010 at 2:56 pm
is there any free land for me on earth.then why was i
born here.tell my creator i need more than family can
grather I forgot mybe i’ll d o like crisstombercolmbus
did float around the seas it free . i woul like to think it
.is.are classes are of many.the elite are of few and
heartless
Previous post: Unemployed homeowners could
get financial assistance
Next post: California State Bar: 16 attorneys
under investigation for loan modification
disservice
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153 Roger February 7, 2010 at 7:25 am Today's Show - More Homeowners Paying Credit
Cards Before Their Mortgages, Bank of America
Bank of America is Another ENRON so why won’t Employee Arrested for Swindling 96 Year Old
The Government step in and take care of this? Woman, FTC Moves to Ban Up-Front Loan
Modification Fees,NY AG Andrew Cuomo
154 Roger February 7, 2010 at 7:44 am Announces Lawsuit Against BofA and Former Exec,
Beware of Forensic Mortgage Audit or Loan
The nation’s largest financial players are able to write Document Review Scams, New World Order News -
the rules for own their businesses and brazenly steal Mark Dice, India and Australia Quarreling and Moe's
billions under the noses of regulators, and nothing is Tip of the Week to Make it in 2010.
done about it. A thing so fundamental to civilized
society as the integrity of a stock, or a mortgage note,
or even a U.S. Treasury bond, can no longer be
protected, not even in a crisis, and a crime as vulgar
and conspicuous as counterfeiting can take place on a
systematic level for years without being stopped,
even after it begins to affect the modern-day
equivalents of the Rockefellers and the Carnegies.
What 10 years ago was a cheap stock-fraud scheme
for second-rate grifters in Brooklyn has become a
major profit center for Wall Street. Our burglar class
now rules the national economy. And no one is trying
to stop them.

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A lot of people are facing foreclosure nightmares these days
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Bank of America had nothing — no new
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by Moe Bedard
“Bank of America had nothing — no new ideas or proposals to
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But Bank of America officials didn’t think that message
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Bank of America Says That 200,000 HAMP
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CALABASAS, Calif., Jan. 14 /PRNewswire/ — Bank of
America today pointed to several indications of strong
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modifications to completed modifications under the federal
government's Home Affordable Modification Program
(HAMP). The program is designed to help financially
distressed homeowners obtain a long-term, affordable
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(Logo: http://www.newscom.com/cgi-
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Bank of America says it’s working hard to help struggling
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WASHINGTON -(Dow Jones)- Bank of America Corp.
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Bank of America Sues MGIC in a Dispute
Over Claims
by Evan Bedard
Bank of America, the biggest U.S. lender, said in a Dec. 17
complaint that MGIC, led by Chief Executive Officer Curt
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MGIC “faces the reality [...]
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Bank of America Stands Behind Mortgage
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WASHINGTON -(Dow Jones)- Bank of America Corp.
(BAC) is seeking to put its performance in the Obama
administration’s loan-modification program in context, saying
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borrowers than its rivals.
While the bank leads all participating mortgage servicers in
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[...]
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98 Loan Mods Done; 340,000 (Or More) To
Go
by Moe Bedard
The Treasury Department says approximately one million
Bank of America customers are eligible for a loan
modification.
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Greg Curl: Bank of America CEO Candidate
Under the Scope
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Mr. Curl, a longtime company executive, led negotiations on
all of the bank’s recent mergers and is best known for his deal-
making skills. In recent weeks, he represented the bank in its
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The bank expects to repay its $45 billion in bailout funds this
week, after it raised nearly $20 billion [...]
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 o Florida’s courts are being o Attorney General
overrun by home foreclosures o Bank of America
o More homeowners walking o Bankruptcy
away from underwater o chase mortgage
mortgages o Commercial
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Firms: United Law Group & o credit unions
Guardian Services o Fannie Mae
o This is a recipe for the greatest o FHA Loans
commercial depression EVER! o Freddie Mac
o Lenders start going after
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foreclosed homeowners for
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monies owed
o great depression
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o great recession
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facing foreclosure
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reductions pitched to Congress o Loan Workouts
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Trillion in Loan Modifications o Refinance
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Questions
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Loan Modification Firms Sued
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