Trying To Get A Home Modification & Having To Start Over!

This past week I received two separate packets from Bank Of America. Both appeared to have been automatically generated and mailed. By that I mean there was no letter written personally to me that was clear as to why I was receiving a packet not once but twice. With a generic letter saying If you are interested in being considered for a Bank Of America Home Modification or to be considered for the HAMP program to follow the instructions and complete the documents supplied and return with all supporting financials. When I received the first packet I contacted Andre who chuckled when I said no to his question of did I fill it out? I had dropped the packet off to his office. I was a bit perturbed with Andres response since common sense tells me not to waste my time with paperwork I'm not even sure is necessary yet. Right? I reminded Andre that Bank Of America had all of my financials to date and that nothing has changed except for my auto insurance up by like only $50 or so. Andre said he had all the information in my file and would call BOA the following day and get back to me. I of coarse would complete anything necessary to get this moving. Well two days later I did not get a call and I received the second packet, exactly the same documents inside but this one had a return Fed Ex packet. So I call Andre and we meet the next morning complete the documents and provide all the financials requested. We do this because according to Andre it is not uncommon that I would receive an automatic computer generated packet. And that it is essentially better safe then sorry so follow the redundancy and complete the packet...
Andre has been working with a different department assigned to his company Sacramento Urban League HUD Counseling and said that he has had good results so far and a fairly prompt response when working with a regular bank modification (non HAMP). The HAMP still is taking too long. So many of the banks are offering "inside modifications" and this is comparative to the HAMP or in some cases better. I am hopeful to get a response toward the end of February. But I'm not going to hold my breathe.

Is Suing Bank Of America The Answer?

I am so frustrated and angry at Bank Of America and the Corporate machine the bank is all about. Clearly it is an institution which the sole focus of making money for it's share holders. And do you believe it those shareholders are crying foul and expecting the public to view them as victims also! read about it here Really!? I say no way. The Shareholders, The Investors and everyone who had a hand dealing with mortgages. From solicitors to closers everyone is under the umbrella of the code of ethics. Now let's enforce this code and hold them accountable. If anyone is going to invest there hard earned money into something, anything they should understand and know what the legalities are behind their investments.

I am so angry with how American Citizens are being treated and families are being discounted like spoiled food in a refrigerator and thrown out because you can't serve it up to eat! I haven't the words appropriate to share that are not clearly said just to hear myself expressing the hostility I feel towards "the system"...
Enough rambling. Below is a copy of my email to Andre my HUD Counselor that was emailed just before this post.

email;
"Hello Andre, I stopped by your office today and left a packet with the Receptionist. I received yesterday a Fed Ex packet from BOA. Probably a computer generated marketing ploy. But it sure made me angry. My biggest fear is that I will end up like so many others you hear about that have been told their information was never received or was lost. And the homeowner ends up having to constantly fax and re fax information only to end up foreclosed upon. I am wondering why after being in their system for a year and never getting any contact or response to my inquiries with any substantial information other than "all my information is up to date and nothing more is requested at this time" which I know because I am diligently faxing in any updated financial information that might get my account closer to a modification. Why am I now getting letters in the mail? To me, this tells me my account information can not be updated in the Bank Of America system or I would not be getting letters from BOA that are soliciting something I have been asking for for a year now and at least a year with my previous Investor which was bought by BOA.

I ask you Andre who do I contact to straighten this out? What information have you been provided with so far? Is this common practice? I do not want to end up like so many having to provide documents that have already been provided..."