Oh good ol' BoA homeloans screwing me again. Surprise, surprsie! I have been working with Acorn (before they were busted) to submit an application for a modification on my 2 loans that BoA took over. I submitted an app to modify the loans in the middle of Aug. I was put on a "repayment plan" for 4 months (till dec) for the first loan and for the sencond a "forrbarence plan" for three months. I submitted all the correct paper work to acorn and they submitted it to BoA. So Aug 12th I received the documents to sign my life away and called the lady whos number is on the paper. Of course her number was no good, the extension was no good, and honestly I could not tell you if she has existed. I also submitted the app for the second loan and have that is going to be review for "modification" on Nov. 15th. The first loan was till dec where they would modify my loan for me to put both loans together and get me out of an interest only plan. Remind you that I did screw myself with this interest only plan but my mortgage broker also scammed me and ended up selling all my information to 3rd parties and all my CC info and bank statements... Countrywide didn't give me any help or even offer to help.
Now since I called today (11/03/09) to find out why my payments for my second loan were noy going to the right place, I was transfered3 times to three different people. Finally someone said I didn't qualify for the modification for my first. So I asked why. 3 More transfers and an hour and half on the phone I get this lady saying that I didn't qualify for a loan modification on my first loan because my debt-income ratio was to high...

Now wait... my debt-income ratio is to high so you won't modify my loan?..But my debt is MY MORTGAGE... it is 80 percent on my credit report...all mortgage.. But the reason why I have been waiting for 3 months is for them to help me with that to lower my interest rate and my payments...but I can't because I don't make enough money. So isn't that what a loan modification is for? Please correct me if I am wrong. So I asked why myself or acorn wasn't notified... I mean they didn't approve it and have known since AUG 31, 2009. That is 19 days after they received my paper work they said "not approved" but failed to tell me so I could go look for help somewhere else... I asked the lady... I told her that BS and that how dare they not notify me about it... BUT Wait! She said I could qualify for the make our homes affordable program! OH but thats funny because I didn't qualify before because Frannie Mae owned my mortgage bc I didn't put 20 percent down... Oh but now they need more information which they already have and I have to talk to one of their specialist because I look like I can qualify. I finally hung up... i had steam coming from my head I was so pissed.

Please don't think I don't make my payments bc I do and have on time for five years.. and since my father became sick with cancer and had to quit my second job to help with him my income went down... He finally passed 2 weeks ago but here I am asking for help from BoA and they screwed me again...this time with 3 months waiting. I am over it... don't know what to do and I am so tired of giving them my money. I love my house but 1500 bucks a month is nice change for me to keep instead of giving it to a giant corporation who abuses everything. I am exhausted with this and have been waiting for this to go through and in the end I am right back to where I started...
Oh reminder, I live in FL where my property value took a crap by 150k in a year. So both neighbors went in to foreclosure and my house is worth 100k less then what I owe so there is no hope in refi... what a joke. I never want to buy another house ever again.
If there is information on how to conquer these people we need to start now. They run us and that is not what it should be...we should be running them...

please let me know who I can Complain to (sailor mouth insert) ...
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