Bank of america/countrywide
Modification / loan fraud

Oh good ol' BoA homeloans messing me again. Shock, surprsie! I've been dealing with Acorn (before these were broken) to sign up to get a change on my 2 loans that BoA got around. I posted a to change the loans in the centre of Aug. I had been placed on a "reimbursement plan" for 4 months (till december) for that first mortgage as well as for the sencond a "forrbarence plan" for 3 months. I posted all of the proper paper-work to acorn plus they posted it to BoA. Therefore August 12th I obtained the files to sign my entire life away and named the woman whos quantity is about the document. Obviously her amount was no good, the expansion was no good, and actually I really could not let you know if she's endured. I also posted the application for that next mortgage and also have that's likely to be evaluation for "change" on Nov. 15th. The very first mortgage was till december where they'd alter my mortgage for me personally to place both loans together and obtain me out-of a pursuit only strategy. Advise you that I did so mess myself with this specific interest-only strategy but my large financial company also cheated me and wound up promoting all my info to 3rd-parties and all my CC data and bank claims... Countrywide did not give me-any help and sometimes even provide to assist.

Today since I have named nowadays (11/03/09) to discover why my funds for my next mortgage were noy likely to the best location, I had been transfered3 occasions to three different people. Lastly somebody stated used to donot be eligible for the change for my first. And so I asked why. 3 More exchanges and one hour and half about the telephone I understand this woman stating that used to donot be eligible for financing change on my first mortgage since my debt income percentage was to large...

Now wait... My debt income percentage would be to large which means you wont alter my loan? But my debt is OUR MORTGAGE... It's 80 percent on my credit history... All mortgage. However the reason I've been awaiting a few months is in order for them to assist me with that to reduce my rate of interest and my funds... But I can not since I actually donot create enough cash. Therefore is not that exactly what a mortgage loan modification is for? Please correct me basically am wrong. And so I questioned why myself or acorn was not informed... After all they did not agree it and also have recognized since AUGUST 31. That's 19 times once they obtained my paper-work they stated "not authorized" but didn't inform me and so I might move search for aid elsewhere... I questioned the woman... I informed her that BS which how dare they not inform me about this... BUT Delay! She stated I really could be eligible for the produce our houses inexpensive plan! OH but thats interesting since I didnot qualify before since Frannie Mae held my mortgage bc I didnot place 20-percent down... Oh however now they require extra information that they curently have and that I need to keep in touch with among their expert since I seem like I will qualify. I eventually put up... I'd vapor originating from my mind I had been so pissed.

Don't believe I actually donot create my funds bc I actually do and also have promptly for five years. And because my dad turned ill with cancer and needed to stop my second work to assist with him my revenue transpired... He ultimately handed 14 days before but below I'm requesting aid from BoA plus they screwed me again... This time around with a few months waiting. I'm over it... Have no idea how to proceed and that I am so fed up with providing them with my income. I really like my house-but 1500 bucks per month is good change for me personally to maintain in the place of providing it to some large company who abuses anything. I'm exhausted with this specific and also have been awaiting this togo through as well as in the finish I'm straight back to wherever I began...

Oh indication, I reside in FL where my home worth required a garbage by 150k in annually. Therefore both neighbors went directly into foreclosure and my home may be worth 100k less then what I owe so there's no wish in refi... Exactly what a laugh. I never wish to purchase another home again.

When there is information about how to overcome these folks we have to begin today. They operate us and that's not what it ought to be... We ought to be operating them...

Please let me understand who I will Protest to (sailor mouth place)...

A

Company: Bank of america/countrywide
Country: USA
State: Florida
City: Orlando

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