In October we requested to use the December coupon in our payment booklet to defer the house payment. My husband called and spoke with a Tiffany who confirmed that we could skip the December payment and only have to pay 1/2 the mortgage due for November since we had an overpayment on the loan because we have always paid more than the payment amount due.
On 121808 I called this office again to "confirm" that we were in their system to skip as no paperwork had been received I was transferred to a Ms. Williams who totally denied any of the above and spoke in harsh tones indicating that I was past due for November and December. The only thing she kept saying was maybe you need to consider refinancing the loan?
We paid $300 for the November payment which is over half of the mortgage amount. Beginning in January we started getting nasty letters from this office (generic) mail with no ones name but just the BOA signature indicating we had breached our contract and were in default.
We followed up with them again and got nowhere but being transferred and put on hold. During this month (December) we contacted the offices of N.A.C.A. Who we had been referred to for assistance and they suggested we let them assist us in getting our house payment reduced since I had been laid off the end of September and now was on unemployment. Mind you the house payment-mortgage has always been in my husband's name since he bought the house in 1993 and we didn't marry until 2005.
Treva Pitts the NACA spokesperson emailed us asking us to complete paperwork which we did and her office submitted a loan modification on 010909. Because of the time frame and after this President Obama implemented the Housing Remodification Act eff. 030409 we were advised to contact BOA once again and have them to review our loan for that program.
Bottom line - we were never behind but because of the coupon issue BOA made us get behind and as of to date we have yet to hear back from them regarding our request for a loan structure except that it was being reviewed. We continue to get letters saying we are being charged late fees. Another letter has come indicating a loan fee for property inspection is being charged against the account.
When we try calling their office in NY again we are put on hold. It now has been over 90 days since NACA submitted our application to them and 6 weeks since we sent them a separate request for a review under the OBAMA legislation.
I realize they are overwhelmed with thousands of borrowers wanting to refinance but had they not reneged on their original response to us concerning the December coupon none of this would ahve transpired. Now my husband's credit
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