My complaint concerns the Loan Modification that I've been dealing with BofA and BAC Home Loans since October of 2009 to help me with my Mortgage payments.

My home equity loan was with BOA for 4 years. When BAC took over and talked to me about their Loan Modification Program, they started splitting my payment letting me pay only half of my mortgage. In the meantime, BAC will be looking into my loan to see if I qualify for a Loan Modification. I sent in all the requested docs, never make a Late Payment, and now after six months BAC is telling me that I have not been accepted into the program and I have to pay the full amount of $16, 051.01 by April, 24 2010 (They NEVER mentioned that if I do not qualify I have to pay whatever the full amount is by he time that they finish the paperwork) They are not giving me the chance for a repayments plan. I looks to me that they are trying to force me out to pay this amount if not I am going to lose my house! I need someone to help us. We have no other choice but to send this letter to everyone to know about this after they told us and told us that we would get help!