Hi there. I have been working with Bank of America for 2.5 years now to try to obtain a loan modification. I have heard every stall tactic, lie, been told countless documents were lost, incomplete, outdated, hung up on, I have not been contacted by my single point of contact for six plus months after filing numerous complaints with Bank of America and I could go on all day. We were a Countrywide loan, did a refinance back in November to an adjustable interest only with a pre-payment penalty for five plus years and have experienced substantial loss of income and medical hardship and like I said have been working with B of A for 2.5 years and gotten absolutely nowhere fast except 15 payments behind and now we are in foreclosure with no sale date and the bank has a hold on our account per Rincon Trust and they are waiting for instructions from the bank on how to proceed. We have a forensic loan audit that I submitted to B of A and all kinds of other documented issues with this whole loan modification process to the CEO/President's office who has assigned me to an advocate who is researching everything. I have filed complaints with my state's Attorney General's office (AZ), helpmewithmybank. Gov and various other entities to try to assist me to get a loan modification. I have been told so many different lies by Bank of America and do not know what to believe anymore. We thought we were in underwriting for a modification for in house review after being denied for Hamp (no reason for denial known per the CEO's office), but we just found out from a local B of A branch worker that our scanned file is a complete mess and they believe it will be kicked out by the underwriter whenever they decide to look at it which according to this branch worker it should have been touched within three days, yet it has been almost 30 and it is still sitting in this person's queue. We want to save this house, we are really upside down in it of course, but just are requesting a low monthly payment we can afford. Principle reduction would be great, but we would be happy just extending the loan from 25 years to 40 with a fixed low interest rate and a low monthly payment we can afford. I have even emailed to the investor Bank of New York Mellon who emailed me back and said they are only the trustee whatever that means and to contact BAC. A new Deed of Trust was also just recorded at my county recorder's office on March 2nd, yet nobody at Bank of America knows about it when I call to ask. MERS was also corrected recently as well. Is there anything else I can do to get this resolved and stop the games over at Bank of America? Is there anyone else I can file a complaint with or contact that might be able to assist me? This has become a full time job for me here trying to save this home. Please help!!! Anything I can do I will try. How about the news? Is bad publicity any help? We were just told we were put on a list for someone to call us about this global department of justice settlement and they will get back to us in 60 days, but I am not so sure we have 60 days to waste here. Help please!!!
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