I have a mortgage with BofA and totally wish I did not. My account is current and up to date. However the worldwide financial crises is now affecting my wife and I preventing us from making the payment due for Dec. Our mortgage is $2000 and we have only made half of the payment. My wife has lost income to due a madatory state furlough. I have reached out to BofA asking for help and assistance and have been denied for modification and home retention assistance. Ive even asked for help of any kind for the months of Dec and Jan and was given NO help. BofA is a waste and I truly wish I could move my mortgage. BofA does not care about customers who are current but suddenly experiance finacial difficulties. BofA is the worst

Our business as well as personal accounts have been with BofA for over 20 years. We have 2 checking accounts, our Caravan financed by BofA and 5 credit cards with BofA.

We recently received letters which INCREASED the interest on our credit cards an average of 10.99% (now 20.99%). We have not missed a single payment on all obligations (over 1400 payments mailed). Their response was "too much credit and higher limits"

Yet all along the've mailed "dozens of temptors with low rates, etc" which induced the consumer for additional credit and new cards. Then about 2 years ago the banking industry barely passed the NEW anticonsumer BANKRUPTCY LAW which severely restricted the consumer to pull out of a long term nosedive. Now that the Bush administration is about to end the banks "borrow $350 billions" and then flush the American families further down the drain with these 2x increases in interest rates.

The real hooker in numerous hi level telecons with BofA officials is that if we "opt" out of the credit cards we will still get hooked on the balance due at the new rate unless we pay them off. Other banks allow monthly payments in an opt out situation with out the new rate increases, and as expected no further use of their card issued to you.

The bottom line is this insane activity and rationalle by BofA will only further dig themselves into insolvency as the american public will retalialiate with slower and lower payments or cease payment altogether and let the legal system snowball. "you can't get blood out of a turnip"

Mr. and Mrs. Dale Lissner Sherwood Or.