It's Clear Bank Of America's Modification Dept.'s Do Not Communicate.

I am Ready to make my first mortgage payment on the HAMP that was offered me. April 1st is when it is due and a few days ago I received a Fed Ex packet from Bank Of America asking me if I want to request a home loan modification and if so to complete the packet provided! Really? Just how many of these useless Fed Ex packets are going out? How many thousands of dollars is wasted in the miss communication between BOA mortgage departments? I really do wonder because you know that cost is being charged to us, the consumers! It really just disgusts me to know end. I even received a telephone voice message reminding me to complete the packet. The voice message did not say "I will receive paper work via Fed Ex" the voice said "you received a Fed Ex packet" now if BOA can track appropriately when a package is received then why can it not communicate between departments effectively?
Oh wait, I know it is because Fed Ex is tracking not BOA. A daaaa....

The HAMP Offer

According to the documents I received on my HAMP offer. I will be short in my escrow account. So I am happy to send BOA a check for the amount to bring me up to par. It is my very first payment in over two years of any kind of payment going to my mortgage lender. I will next make my very first mortgage payment on the HAMP trial period on April 1st. I have never been this excited, relieved and happy to pay my mortgage!

An Offer From Bank Of America For The HAMP

Can it be true?! I am finally nearing the end of my mortgage modification nightmare?! Yesterday when I walk in my house the first thing I see, my new motorcycle seat and sitting on top of that box a Fed Ex letter from Bank Of America. My heart beats faster as always when I see one of these because you just don't know if it's the end of life as you know it or a refreshing sensible modification offer...
For me it is a sensible modification offer. I am beyond words as to why it took this long to get my life back. Oh I know the fight is not over yet. I still have to prove myself. I need to make three on time payments of the amount stated in the "trial period" so I for now am breathing a little bit better and have been celebrating inside by screaming "finally" to my inner self.
So what does this mean for the file being reviewed for an "in house" modification with Colby Gilbert? Since there has been failed communication between departments at Bank Of America I am pretty sure this will be the case. Unless of coarse and most likely my HUD Counselor Andre informs Colby of my offer from the HAMP Dept. of coarse I faxed everything to Andre for review. I know if anything looks even a little of kilter Andre will call fowl.
So I encourage anyone seeking a modification to review the suggestions I have on the left of this post and good luck to you. You have my prayers.

In Underwriting and Waiting Four To Six Weeks for a Hamp

I have been excited this past few days since speaking finally with both Veronica and Colby at Bank Of America. Even though they are in two separate departments, Veronica submitted my file to the Underwriter for the HAMP. Colby is working on prepping my file for an in house loan modification. I am going to have to call what I feel anxiousness and not excitement. Since there is no promise of a modification. Veronica is very kind and prompt since getting my file and has said that it will now take from submission date 2/10 another 4 to 6 weeks to receive a response in the mail as to the outcome. I am hopeful though because Veronica said If I or she has not heard anything from the Underwriter within 24 hours of submission that usually means they do not need anything else and that is a good sign. So I will keep saying my prayers at night, and periodically throughout the day too.
Now Colby is another story. This is the guy that is supposedly working with my HUD Counselor but Veronica has not heard of him and is unaware of that department that Andre said was assigned to his HUD Counseling office specifically to expedite files. Veronica said the fax number for him is a general fax number and anything received at that fax will take another few days to be uploaded in the system. I did call Colby for an update and to make sure he has everything needed. No call back yet. With Colby though I know that Andre is on it and keeps in close contact. And Veronica said she will be call Andre tomorrow, it feels good to have these three people as contacts at least something is happening.
So I wait 4 to 6 weeks and keep an eye on the sale date so as to extend it accordingly. Thankfully I have Andre also keeping watch. He really is a blessing and does take some of the stress off of me. I know he carries the weight of his clients and that must be tough.

What Department Truly Is Working On My File?

I received a call yesterday at 5:30 from Veronica Kernan a very soft spoken and friendly professional. She told me she was working on my file in the home retention dept. and is getting ready to send it to the Underwriter. That she needed clearer copies of my last 2 check stubs. So I faxed immediately. I also confirmed nothing else was needed from me. Veronica said that she ordered my 4506 tax information from the IRS and that would be received in a couple of days and the file would be complete and once at the Underwriter I would be informed of this. I Then informed Andre my HUD Counselor who did not know who this person was and said he would call to speak with her. Today I got a call from Colby Gilbert saying that he needed me to re fax my most recent bank statement as the one in the file is not legible. Seeing a pattern hear? so without question and since it was a message and I didn't get to speak with him I faxed the documents immediately and I also faxed them to Veronica and to Andre. That way everyone has them and I'm covered. I also informed everyone that they each have my most current financial information.

To my surprise Veronica said she did not know who Colby Gilbert was and that she received a message from Andre Holcomb but also did not know who this person was. That there were no notes in my file in regard to these two individuals. I almost fell off my seat. I explained Colby was part of the "special team" assigned to my HUD Counselors office. Veronica searched more and "in another system" found a note but still did not know who Colby Gilbert is and said that files are sometimes sent to different departments with different programs in an effort to help fit a homeowner in a modification. Good enough excuse I thought here is someone that is a quick thinker. But of coarse I am not convinced this is the case. I firmly believe stalling is purposefully done for the benefit of the investors. Veronica did say different departments are working with different programs and in some programs the investor guidelines might be more lenient and the homeowner then able to get a modification. I am cool with any department reviewing as long as the outcome is a satisfactory modification with good terms.

So I am informing Andre of my conversation with Veronica. She is asking for a signed consent form from him to talk to me or she can not and will not speak with him. I did say being that we have been working with Colby Gilbert as long as we have one should be in my file... Any way I will let Andre know so he can do what is required. I am thankful I have someone else fighting for me too. So here we are finally two departments working on my file. Veronica for the HAMP and Colby for an in house modification. I'm saying my prayers, again it makes sense to modify my loan so I can get back on track paying my mortgage since job loss put me in this whole... the scary thing is we know the banks don't always do what makes sense or what is best for the community.

Another Message Left At BOA. Then Called Mr. Lemke

Made my telephone call to Colby Gilbert this morning, left another voice message. Today I spoke with Gregory Lemke read how Mr. Lemke fought back
I am awaiting the outline of Mr. Lemke's success at getting a satisfactory loan modification with Bank Of America. It seems that I have started on the right track since I have already contacted the OCC. Now I will write to my Senator for support and look into Pre Paid legal Service. I can not tell you why I did not think of this before. Thank you Gregory!

Bank Of America Modification Reviewers are Always "Out Of Office"

Well Colby Gilrbert did not return my call today, I did get a message at 2:40 from Sue Ericksen saying that she is "assisting Colby Gilbert with his messages but that she does not have a call back number for herself. And that Colby is out of the office today but to try to call him back on Monday." So that is what I will do.

Who Can Help Force Bank OFAmerica To Do The Right Thing?

After a couple days of "I'll call you right back" from my HUD counselor Andre. I finally get a call back and of coarse there is no news. The now almost expected "still in review" is all I get. So I tell my HUD counselor that I am feeling at a loss and am wanting to call the reviewer myself and Andre suggest to call Cody Gilbert every 10 days. Hmmmm why now is he saying "yes" to calling when initially he said that I did not need to and that he would keep in contact with Cody Gilbert on a regular basis. And what about the "special team" that was supposedly put together to work especially with the HUD Counselors referrals? I am very distraught, but what else is new...
So I call Cody Gilbert this morning and of coarse I do not get a same day call back. Let's see if I get a call tomorrow.
What else am I to do? I sent a complaint to the OCC, I emailed and left a voice message for the CEO Bryan T. Moynahan at Bank Of America and got a useless call back from Alicia Corosco the "Asst. to the CEO" Big woop a lot good any of that did. I never got a response from the CEO Brian T. Moynahan himself and Alicia did not even remember our first conversation treating me very condescendingly on the second phone call to her. To be treated in such a manner that leaves your heart aching because you were made to feel like you were nothing and that makes you feel like your for sure not going to be able to keep your home because obviously this person along with everyone else I have spoken too for the most part within The Bank Of America machine has belittled me and written me off as a worthless person not deserving of their time let alone responsible enough to own a home.
I haven't been able to find an Attorney willing to even call me back unless I'm waving $5000 in cash. A sad situation for all of us hard working do the right thing Americans.
Does it even matter that were voters anymore? Can the voters even salvage the mortgages at this point? How many families will be left out in the cold while financial institutions grow stronger?

File A Complaint With The Office of the Comptroller of the Currency

Here is the link file a complaint online with the Office of the Comptroller of the Currency the "OCC"
Another desperate online search for help of coarse brings a slurry of blogs and Attorneys offering various things to try but if your looking for an Attorney and you don't have 5k for a retainer it's not going to happen. My attempts so far at getting an Attorney to even respond have gotten no where to date. Filing a complaint with the OCC at least makes me feel like I'm doing something. I have done the talk to every customer service rep under the sun even the ones in foreign countries. I've email and spoke on the phone to Alicia Corosco the Assist. to the BOA CEO Brian t. Moynahan and had two un nerving conversation with her making me feel like an insignificant little bug she had no use for. I have sought the help of a HUD counselor which also has not moved my file along anymore then if he weren't helping me. We both are in limbo. I emailed the President, yes that's right President Barack Obama and got back what clearly was an auto response email. My name has "been added" to a suit against BOA in Colorado. But since they did not ask for any information I doubt much will be done for me and my situation personally.
So filing a complaint whenever I can is all I can do at this point.

Why The Banks Will Not Negotiate Your Home Loan

Another call to my HUD Counselor proves uneventful. No news is good news I suppose. I get the usual " I spoke with Colby today and he says my loan is still in review" Colby is the man assigned to my case and thankfully it has not changed for the past few months. I have gone through a number of different "reviewers" over this long process. Being told "the case load is too high for that reviewer and another reviewer has been assigned...."
I have decided to seek Counsel to find out once and for all if there really is nothing I can do but sit with my life on hold full of stress, anger, sadness and frustration. There has got to be some recourse for the millions of home owners sitting stagnant while constantly feeling the threat of homelessness. This feeling is indescribable.
I have seen this video of an explanation as to why banks want to short sale our homes and are not trying to help homeowners get a modification see it here foreclosure video This is very scary since it does make sense and gives homeowners an understanding why were are getting the run around. So if this is true, what can we do about it? Who do we talk to? How do we protect ourselves?

Like Today's Housing Market America is In Distress...

The more I think about how my life is on hold while Bank Of America keeps moving my file from desk to desk or maybe even never moving my file at all. But rather just piling other files on top of my own and not giving my file a first thought. I go through many different thoughts and many different feelings. From feeling sad to very sad, to this is too stressful to think about, don't think about it... to angry, to very angry, to extremely angry and at that point on occasion I have looked online to see what other homeowners have done hoping to find some positive out comes that will help me feel better and not so stressed out all the time and just maybe remind me why I put my life on hold and that saving my home, the home I have raised my children in and is the solace where my family still gathers to be thankful for the ones that are still employed and that we all are in good health...to remind me why I allow myself to still tolerate the stress and remain at the mercy of Bank Of America. I love my family and many depend on me. I can not see myself giving up. I also can not see my self not fighting back. Not because I am angry but because the treatment not only I am experiencing but thousands of homeowners and families across America are also experiencing. I feel I must do something if only to help others to know that they too should be treated better and can demand fiduciary treatment by any institution. Now where to start and who to talk to? I am already working with a HUD Counselor, someone I thought would be able to help me get my mortgage modification. I am aware that Financial institutions are not required by law to abide by HUD Counselors recommendations. However knowing that HUD has trained Counselors to assist homeowners with requesting mortgage modifications. Wouldn't it make sense to go through the files that have been submitted by a qualified HUD Counselor in order to assist and expedite the mortgage modification process? Would it not make sense that files submitted by these Counselors have been groomed meaning put together so that the institution can do a review and validate the numbers with financial documents included and move the file out to be modified? It really is that simple. These companies can employ hundreds of people in foreign countries to handle Customer Service then why can the institutions not provide enough people to review homeowners requests for modification in a timely manner?
I for one want to know exactly just how much in penalties and late fees has my own loan gone up. Including the late fees and penalties for my home owners insurance and property taxes. If Bank Of America had given me my modification early last year when the Bank had confirmed they had everything they needed and "I was in review" then I would not have racked up all those fees and penalties. Since BOA is causing these fees and penalties to accrue then BOA should also be held liable...

It Is Clear Bank Of America Is In Support Of Investors Not It's ConsumersA

I have not written in awhile, it can be depressing constantly writing that I still have no answer and am supplying all my financial documents timely and efficiently in hopes for a successful mortgage modification.
I also do my best not to read any news about the current mortgage modification process and specifically anything about Bank Of America. It is even more depressing, there are so many reports about families losing their homes after a long await for a modification even when these home owners are just as compliant as myself.
So the bottom line is there is no rhyme or reason as to who gets a modification and who does not. I have received mortgage statements from Bank Of America asking for late payments at the original payment which in my case is a principle and interest payment only. Not including any taxes and insurance. From what I have been informed by my HUD Counselor Andre, I qualify for the HAMP because specifically the taxes and insurance take me above the 31% debt to income ratio among other requirements that I meet. And I have said time and time again to Andre, to Wilshire the previous note holder and to Bank Of America, let me make the payment just modify the loan to include the taxes and insurance... This I agree I can afford! Why is this taking so long? is the Banking institution really holding the note and extending a mortgage modification in order to reap the benefits of late fees? According to Yahoo Finance's posting on December 27th at 08:08 am EST written by Gretchen Morgenson who writes about a young couple Robert and Amy that had the rare positive results of a mortgage modification. Gretchen writes about "some who are prospering from foreclosures, loan servicers can charge lucrative fees when pushing borrowers into foreclosure so there is little to no incentive to modify any mortgages when the outcome is financial loss in income from fees. so the reality is that the HAMP is INEFFECTIVE! I repeat INEFFECTIVE and this is according to the Congressional panel..."
Again I ask you the people what are we going to do about this? I for one will not be quiet. I will talk to anyone who will listen and will help anyone that I can.
This past Saturday I received another late payment statement only this time it was asking for a much larger payment $2878.28 to be exact. What did Bank Of America just pop this number out of a machine? This is so random, where did this number come from? My past monthly payment was only $1464 and now I am billed
an amount that makes no sense. I was never called, never contacted via mail or otherwise. No explanation just a statement for $2878.28 it also states a negative escrow balance of $12,307.21 which by the way I was paying my homeowners insurance through my insurance company but Bank Of America cancelled that. Andre told me that is so they can sell my home if need be! So does Bank Of America want to help home owners? NO
The statement also showed a past due amount of $35,463.50 now Andre assures me that's nothing compared to some of the numbers he has seen and has still been able to get modified. So I am hopeful. But what of this amount has been added on since I have been "in review" for a modification? This is exactly what the article I speak about on Yahoo Finance is talking about. Why do we have to pay the late fees that accrued due to the banks poor processing of our modifications?

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..."

Phone Calls Are Of No Use

I am now not getting timely return calls from my HUD Counselor. I imagine he is swamped with his case load of homeowners in the same situation as I am. And I also imagine his phone calls to Bank Of America like mine are also not returned in a timely manner... All I can think is common sense tells me my HUD counselor has not received any response to his telephone calls either and therefore has no new information to provide me with.
I try not to read the news on home owners struggles with their banks as I rarely come across any positive out comes. I am reading things like the bank reneged on the agreement and foreclosed the home right under the homeowner who made all the agreed upon payments...
What are we too do? Suing has not made any welcome changes for the communities. Who will give us the help we need to take back the homes we have lived in for years or even decades?

Faxing Financials Diligently And Getting No Where.

When I have not posted to this blog for a few days it is because I have no news to update with. For now my life consists of weekly to bi weekly faxes of any and all financial documentation that I have or receive. I forward everything to Andre at The Sacramento Urban League HUD Counseling Center. I have started to receive monthly mortgage statements, I got another one in the mail yesterday. All I can do is fax to Andre and continue my prayers that with my due diligence and commitment I will eventually get a satisfactory modification from Bank Of America. I am as terrified as the next home owner in my situation.
Nothing makes sense, I read so much in the media, on other blogs, in the newspaper but nothing gives even a hint as to how we are all going to reap the benefits of the financial bail out. What I am reading is how "the investors need to approve the modifications". How "it must look good to the investors" when really I think why is the investors bottom line the deciding factor? Why if the government bailed out the financial institutions and are holding them accountable to providing homeowners with modifications. Shouldn't "the investors" that bought up mortgage bundles in droves hoping to capitalize on the homeowners long term payments also be held accountable? By not examining those bundles closely before buying they were telling other investors it's safe and lucrative follow my lead all they cared about was their bottom line and that they make money. This drove the market "Those investors" should also be held accountable and not be protected by our government. Bottom line is homeowners need to stay in their homes and the ones that need to take a loss if any should be the financial institutions and the investors. People that not only themselves but the community hold to a higher standard of education and understanding of long term effects for the global financial future of our country.

Still Getting Nowhere With The CEO Asst. at BOA

I spoke with Alicia Corosco yesterday and she had no information for me on my account. She did say she left a voice message for Colby Gilbert my account reviewer and that she has not received a call back yet.
I told Alicia that I had faxed copies of letters I received on Friday the week before from Bank Of America. One that looked like it was one of those automatic computer generated letters. It was an "important message from Bank Of America about my loan saying that if I was having problems paying my loan to give Bank Of America a call right aways so that I could consider several options 1. loan modification 2. repayment arrangements 3. deed-in-lieu 4. short sale/ payoff. Really are they serious!? And also on Friday I received a second letter. This one is a mortgage statement, yes a regular mortgage billing statement. I wondered if it would be to my benefit to mail in a payment and see if they would accept. But of coarse I fear never getting a resolution which would be a travesty and BOA would keep my payment...
Of coarse I'm angry that it is clear BOA is so disorganized and the departments do not communicate with each other that it is a waste of my time and theirs. Imagine the costs involved. BOA is paying out thousands to unqualified account "reviewers" that do not even know what their doing. If this were not the case why then are home owners still up in arms going nowhere, life on hold, unable to make important decisions while putting everything on hold awaiting the outcome of their future? A decision made my half a system half un educated people many of whom don't even live in America!?
At one point in a conversation with Alicia she had noted "maybe the investors had not made a decision on my account yet" who are these investors and why can't I speak with them? If Bank Of America is going to blame the hold up on "the investors" shouldn't we be communicating with them and hold them accountable?
I told Alicia I faxed copies of everything to Andre my HUD Counselor. This time Alicia was not so personable or professional. She seemed annoyed with my call Alicia told me " well Bank Of America is not going to stop what their doing just because you asked for a modification" I don't think she understood what I was asking. I wanted to know why a letter and bill would be generated when I was never in their billing cycle in the first place and that since being bought from my previous lender had been in "modification review" again Alicia was condescending and said "even if you ask for a modification the bank is not going to stop what they do" And this is the Assistant to the CEO! WOW doesn't that say a lot about the kind of people and there level of professionalism? Just who do these people think they are? I bet if they were in our shoes they would be just as desperate as the rest of us for answers.
I didn't even tell explain to her that my life is on hold until BOA makes a decision. I can not enroll in college classes, college is expensive these days and I need to know what I can afford to make those kinds of choices. I would like to purchase a used motorcycle ( a longtime dream) but of coarse that would be deemed a frivolous irresponsible purchase...
It seems the David Write lawsuit is not fearing any better.
Would standing out in front of the banks with huge picket signs naming names of those we spoke with that are getting us know where help?

Wrong Alicia at Bank Of America

My last post talked about Alicia the Assistant to the CEO of Bank Of America. After a bit of phone tag I finally spoke with Alicia yesterday and it is Alicia Corosco not the one named in the last post. i explained to Alicia C. My predicament and Alicia was very professional(maybe on the first call she was having a bad day. But at first she said she could not find my account as even being in a modification review. But then she finally did find my file. She said that there were no notes in my account stating that I have been reviewed and denied for any programs. She did state she was glad to hear I was now being reviewed for an in house modification as opposed to the HAMP. Alicia confirmed what Andre my HUD Counselor said which is that an "in house modification" is usually quicker and per Andre in some cases can be a better modification in terms then the HAMP. Alicia said that she would see if she could get more information on the status of my modification process "maybe the investors had not made a decision yet" And that she would get in contact with the third party helping me, meaning Andre. So today I spoke with Andre who said he has not received any messages or calls from Alicia yet. And all Andre could tell me is the same thing he has been telling me since I started working with him. Which is "he has not heard anything new yet, I am still in review, no new documentation is needed at this time and my sale dates has been postponed. I am hoping that with the actual complaint filed directly online with the bank as well as to the CEO bryan.t.moynihan@bankofamerica.com and the mention of the lawsuit that I support John Write vs. B of A lawsuit. I will get some finalization. Alicia at least was understanding of my dilemma and gave some comfort in that. I now await a phone call from anyone that will help me.

Will Bank Of America Help Me?

In a desperate attempt to get some kind of help dealing with Bank Of America. Something I have done on several occassions an internet search for lawsuits or groups working to support homeowners. I ran across John Wriites blog

So I followed his advice and I emailed a complaint to Bank Of America's CEO @ brian.t.moynihan@bankofamerica.com I also emailed a copy to John Write @ johns-write@hotmail.com and I submitted my complaint directly on the Bank Of America complaint website. The very next day I recieved a phone call from Brian Moynihan's Assistant Alicia Parker, that is how Alicia introduced herself "The Assistant to Bank Of America's CEO". And I know she looked up my account information because she called me at work and I did not leave my work number in my complaint. Unfortunaletly she called me on the crisis line and I did not have the ability to speak with her at that time. So she said she would be available the next day when I am off work. After working out the time difference (she is in Texas 3 hours ahead) I was assured by Alicia she would be in the office late and available for my call.

I was a bit leary of this person since the call was a complete surprise and Alicia was not very professional on the phone. And I have had a recent incident at work with a collection company that started harrassing me at work on an acct. that is almost 7 years old from when I was divorced... And because I did not leave my work number for contact. So I looked her up on the internet just to calm my nerves. And Alicia showed up on LinkedIn and yes her official title according to her LinkedIn profile she is an "Account Manager at Bank Of America" So I am now excited to speak with Alicia. I did call after work but I got her voice mail and left a message for a return call. I kind of expected that I would not reach her since she had stated she would be working late. A late night call never seems to connect. Luckily I am off on Monday and I will be able to call first thing in the morning. I do hope Alicia can help me.

Completely Pissed Off At Bank Of America

I received taped to my door a notice of trustee's sale and I recieved also today 4 certified letters From Quality Loan Servicing of "notice of trustee's sale" AND today I also recieved 4 letters in the regular mail from Quality Loan Servicing "notice of Trustee's sale". This has happened before when I had previously been able to negotiate in the past. How is it that the loan servicer can get all these letters delivered to my door on the same day and at the same time? Yes a total of 8 letter's all delivered on the same day within minutes of each other. Four via certified mail, four via regular mail and one hand delivered and taped to my door. Of coarse I am beside myself with anger. I have been trying to get the bank to take my money for two years now. I spoke to Andre at the HUD Counseling center who really could not explain and just said fax them to him and he would get to the bottom of it. Well that does not make me feel any better especially when we last spoke he informed me that my sale date had been completely haulted and I would not have to worry about extending any sale dates as the bank is reviewing thousands of mortgage foreclosures. So what happened? Why am I back on the chopping block with a date in the middle of November?! What Lawyer would be willing to take on Bank Of America? Something seriously needs to be done about the way families are being treated. It is un ethical and inhumane. My son is the one who showed me the letters taped to the door. Is that really ok with these bankers? Causing stress not only to the adults in the household but to the children as well? My neighbor had someone come to her door and she was shocked. Prior to that her children did not what she was trying to do with her home. Why can't we have strick guidelines about how homeowners are contacted especially in this mortgage climate. It is a difficult task I know but don't the families deserve the respect. Where is our government! No bail out for millions of American families!
Andre has said if I am not qualified for the Obama "HAMP" Home Affordable Program. He has some other options. Like renting back. Now how does that make any sense at all? Rent back my home? The home that I have owned for more than 10 years? Obsurd! Anyone anyone at all have any ideas? I am ready to do anything. I submitted my name long ago to a lawsuit and all I got was an auto generated response. A copy is below. It is all I have to feel as though I am doing something. The honest truth, I am not sure using a HUD Counselor is helping my situation at all...


"Ladies and Gentlemen:

You are receiving this e-mail because you have contacted HBSS regarding the BOA Home Loan Modification litigation. Due to the voluminous number of inquiries I am grouping several of your names into one e-mail. I have placed your e-mail addresses in the BCC line in order to protect your confidentiality.

Thank you for contacting Hagens Berman Sobol Shapiro regarding the lawsuit concerning loan modifications. You can review a copy of the Bank of America litigation by clicking on one of the following links, Washington Complaint or California Complaint. The cases, filed in U.S. District Court, claims that Bank of America systematically slows or thwarts homeowners' access to Troubled Asset Relief Program (TARP) funds by ignoring homeowners' requests to make reasonable mortgage adjustments or other alternative solutions that would prevent homes from being foreclosed.

We will ask the court to certify a class of Washington and California homeowners who were entitled to loan modifications from Bank of America, but have not received permanent modifications. The court may or may not agree to certify this class, or may redefine the class in a more limited manner. This process will take several months at a minimum. You will receive notice from the Court if your situation qualifies as part of the defined class. There is no need to affirmatively join this class action. We will keep your information on file and will contact you in the event additional information or a declaration is necessary.

The primary purpose of this litigation is to force Bank of America to give people who qualify the loan modification they should have given by now. This litigation will not stop any foreclosure on its own. Individuals facing foreclosure should contact a local consumer action attorney to represent their individual case. You should pursue your own avenues regardless of this class action.

While we hope to expedite this case as much as possible, however the reality is that class actions can take 2 to 5 years to be resolved by the Courts. It is imperative that each potential class member take charge of their own destiny outside of this action. The last thing we want is to instill a false sense of hope in anyone that this class action will have an immediate impact on their individual circumstances.

Whether or not your situation will ultimately qualify as part of the class, you should continue to try to work with your loan servicer to obtain a permanent loan modification and you should continue to make all required mortgage payments.

If you are a Washington or California resident there is nothing more you need to do with respect to this litigation at this time. If you are from Arizona or Oregon please review the following.

We remain interested in speaking to additional people in the event additional class representatives are required and possibly regarding a similar action in Arizona and Oregon. In order to be considered as an additional class representative/lead plaintiff, you must meet all of the following criteria:

You must be seeking a modification of a loan secured by your primary residence (no investment properties);

Your loan must have originated prior to 2009;

You must have sought modification from your lender (servicer) after April 2009;

If you received a temporary loan modification offer, you accepted the offer (signed and sent in);

If you accepted the offer of a temporary modification, you timely made all required payments of modified amount;

And you have not received a final loan modification.


If you fall within the qualifiers listed above please send us the following:

1) Copies of any and all correspondence (letters or e-mails) between yourself and your bank.

2) Copies of your original loan documents.

3) Copies of your temporary loan modification agreement and proof you made the temporary payments.

4) Please also note whether you were required to make an up front payment (whether of a fee or of a full, unmodified payment) in order to be considered for the trial period?

Thank you for your interest in this litigation.

For those of you in Washington State facing foreclosure you might find the below helpful:

Home Foreclosure Legal Aid Project:

http://www.mywsba.org/default.aspx?tabid=161

What is the Home Foreclosure Legal Aid Project?
In response to the current foreclosure crisis facing our state, the Washington State Bar Association in partnership with the Northwest Justice Project is coordinating a statewide pool of volunteer lawyers trained in foreclosure prevention who have agreed to provide free advice and representation to homeowners with foreclosure related legal problems.

How do people qualify for these services?
An important aspect of the project is that it will extend legal services to moderate-income homeowners who are within 200% to 400% of the federal poverty guidelines. Simply put, this translates to about an $88,000 annual income for a family of four. By providing legal assistance at a critical time, volunteer lawyers may be able to prevent these individuals from dropping below 200% of the poverty level and ending up with more legal problems than possible foreclosure.

How does it work?
Prospective clients access our services by calling the Homeownership Information Hotline at 1(877) 894-HOME (4663). Callers are then transferred to trained housing counselors who determine whether callers are potentially eligible for assistance with a loan modification. Callers with legal issues are referred to our legal team at the Northwest Justice Project for further review and potential case assignment to one of our volunteer lawyers.

Aline B. Carton| Home Foreclosure Legal Aid Project Manager
Washington State Bar Association
( 206.727.8204 | * alinec@wsba.org
1325 Fourth Avenue, Suite 600 | Seattle, WA 98101 | www.wsba.org


Best regards,

Larry Kunzler | Investigator
Hagens Berman Sobol Shapiro LLP
1918 Eighth Avenue, Suite 3300 - Seattle, WA 98101
Direct: (206) 268-9368
Larry@hbsslaw.com | www.hbsslaw.com "