I don’t actually understand how to start. I’m so disappointed with BofA!!! I've been seeking for over annually and that I still haven't actually been informed easily actually be eligible for any kind of a change. Our tale may be the just like all of the others... Dropped docs... Distinct individual each time I contact having a diverse solution from all of them... Resubmitting docs, etc.
I began the procedure in February since I understood my mortgage payment would boost and that I realized I couldn’t pay the new cost. I acquired the runaround since I wasn’t behind on my funds and had usually created my funds promptly. Following a couple of months of calling I eventually had somebody tell me that it appeared as if we were likely to undergo an effort change plus they actually offered me a brand new cost quantity (within the telephone... I am hoping you folks do report all discussions) plus they explained I'd be getting the paperwork for that within 7 to 10 times. Obviously, I improved my payment quantity through automated bill-payment through my lender. I extended to ask a normal schedule and was informed numerous various things (that we have recorded), but I thought what I had been being informed from BofA. The files never arrived. Oneday I obtained an email alert from Experian Credit Monitoring (support I obtained totally free when Countrywide released my own info) that there have been a big change in my own credit rating. Reduced and see, BofA said I had been behind on my funds. I instantly named to discover that which was happening. The consultant who I talked with on that event explained that actually it had been recorded that I'd be dealing with a test change which once all of the paperwork was finished they'd most definitely inform the credit agencies and my credit could be delivered towards the outstanding condition it had been in before you start this method. Again, I had been informed that paperwork ought to be coming anyday (again, I really hope you folks do report all discussions).
The following issue that occurred might have quickly provided me a coronary attack... I obtained a box requesting that I resubmit all of the paperwork that I'd previously delivered simply because they were considering qualifying me to get a diverse plan. Delay!!! Didn’t I currently be eligible for anything? Aren’t they delivering the paperwork for that? Well, I had been subsequently informed they have no idea where I acquired my info from which an effort mortgage loan modification cost quantity must have actually been mentioned in my experience. Really? They why did they are doing it? Therefore, my credit is attached and today I've no method to repair it since what I had been informed was never accurate. There have been no files being delivered to me. I’m just screwed. At this time I choose to simply go right ahead and deliver all of the files again, wishing to be eligible for this “different program.” not just that however now that they're stating I’m behind in my own funds perhaps they'll assist me... That's the things they desired within the first place.
To create a lengthy tale not too long and repeated as to the I’m sure you currently notice every single day, I’ve been informed they've all of the files and today it’s in evaluation. Then I get a notice declaring they didn’t obtain all of the necessary files. I resend the files and contact them to be certain they acquired it. I’m told they won’t understand for 72 hours when they obtained them all or not (properly my documents stated I had a need to ask them to to BofA within 48-hours or I'd be disqualified). Therefore, is the fact that another method to ensure it is simple to disqualify people? I eventually got verification that the files were obtained.
Therefore, I get designated a “negotiator” making me so pleased since today I've an immediate point and that I don’t need to feel the same task to be handed around just like a wine bottle in a wino conference. Subsequently, I obtain the notice that claims used to do not be eligible for this program since I didn’t supply all of the correct files. Really? Then why did your folks tell me they did? Today I’m pissed. I contact and obtain a boss about the telephone and he or she provides me a romantic date and period of the discussion that I allegedly had with among the reps, who allegedly explained that I had a need to resubmit all of the files simply because they end after 3 months. Today, that’s fairly innovative. To begin with, I wasn’t open to consult with anybody on that one day at that one period, moreover, I’ve been carrying this out to get a year which may be the first time I'm informed about any files having to be resubmitted every 3 months. Therefore, she files an attraction for me personally after confirming that of the files were actually obtained.
The following week I choose to contact my “negotiator” who advised me that she received notice that my charm have been approved which she'd to provide my document back again to the appeals division. Therefore, today I’m in exactly the same all messed up funk I had been in before. Why? Since I appealed their choice which was incorrect within the first-place! Go figure. Back to block one. I contact again simply to make certain they do have all of the files (since clearly I can’t think only one person). Again, I'm reassured they had all the necessary files which my mortgage is in evaluation. Whew! To get a moment there I thought I had been likely to drop my home.
A few times later I obtained a registered letter from BofA which was a NOTICE OF INTENT TO INCREASE. You’ve got to be joking me!!! No, it’s actual... I named and examined. They need $12,000 bucks by May 19th or they'll begin foreclosure procedures.
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