This is the letter I sent to the Attorney General…

Hi Mr. Hood,
First I want to say thank you for fighting for all of us who have been wronged in this
situation. I know you truly care about the people. I have submitted my claim on line
and I am going to mail it in as well. I was apprehensive about filing. The process of
loosing our home was devastating as I\’m sure it is…f..o. r everyone. My son who was 12 at
the time, had to have major reconstructive surgery that could only be done in
Birmingham with the best doctors. We lived 3 hours aw~y. We almost lost him after the
surgery and he was air lifted back to Birmingham for a lengthy stay at St. Vincent\’s
Hospital there. After a year of him being in a wheel chair and therapy\’ 3 days a week
and almost weekly visits to Birmingham, we had no choice but to try a loan
modification due to our extreme hardship. Bank of America assured us due-to our
situation we would definitely be able to do the modification. My husband and I both
worked and were struggling to keep our home. In Sept 2010, my husband lost his job
unexpectedly. This of course was devastating. We knew we could not pay the high
house note we had. Again, Bank of America told us to do the loan modification. They
even told us NOT to pay our house note while in the process. After many months of
calling and calling them, only for them to tell us it was still in the process and it takes
time, they foreclosed on our home without any notice of whether or not the
modification was approved or denied and without any notice we were being foreclosed
on. After everything we had been through and still managed to work and try to pay our
bills, this is how we were treated. I went to the foreclosure court hearing. I begged for
just 30 more days so we would not have to move our two children out of their schools
until the end of the school year. I also told the court of Bank of America\’s tactics and of
them not giving us any notice of the process taking place. The Judge made it clear on
court record he felt I needed an attorney to challenge the foreclosure. At the time, I
literally almost had a nervous break down due to loosing our home which we had
worked so hard and for so long for. I couldn\’t bare to address it anymore. In fact I
received the information from your office months ago and it has taken me this long to
respond. It is just such a painful situation, I don\’t want to-get my hopes up and not get
the results we need. Due to the foreclosure, we filed bankruptcy and lost everything
including our two vehicles. My husband got a great job this year and we have been
rebuilding. We basically pay a house note now to rent a small apartment. I watch my
youngest son cry all the time because he wants to go back \”home.\” Because this
process ruined our credit we can not purchase a home. My prayer is that in this
settlement we may get what our house is worth and the amount that will compensate for the loss of our home, our credit, our lives as we knew it. I don\’t think any amount of
money could ever do that, but hopefully we will receive enough to purchase a home
again soon. The price of a home like the one we had in the our son\’s school district is
around $250000. I can not tell you how much what you are doing means to my family!!
Thank you from the bottom of our hearts and God Bless you and your family always.
Sincerely,
Chera Breland

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Tried for several years to modify loan BOA would not move on it untill i did not qualify

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My x husband and I originally did loan together- We divorced and through the divorce we went in arrears. I have negotiated over 6 times, first a forberance agreement which was satisfied and I was promised a modification upon completion- they did not give me one. BofA said I needed him to quick claim property to myself and I had to also provide that I had been awarded 100% vested community interest via court order from our divorce- I did mutliple times. I qualify for a modification and have ample income to support a modified payment and have provided all documentation and BofA will not remove him from the loan. I even tried to do a deed in lieu and just be done with them and they refused saying he had to sign off on evreything- My x has no legally vested interest nor does he have any community interest and they wanted him to sign the deed in lieu and give him 1/2 of HAFA funds that are specific for occupant relocation- He hasnt resided in this state in 10 years.Bank of America is pathetic, absolutley pathetic!

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We purchased our house in November 2008 with what we thought was a good lender, BOA. All was well until April 2012. In August of 2011 my wife was informed that she would be getting laid off so we contacted BOA and we started what we thought was the loan modification program. We sent all necessary documents and finally after tons of phone calls and waisted time, in March 2012 BOA put us on a probationary payment plan from March 2012 to Dec. 2012 and at the end of the probationary period we would start the modification program or so we were told. Well at the end of Nov. 2012 we receive a letter from BOA stating that our loan had been sold to Nationstar Mrtg and this is where everything fell apart. Immediately NSM started sending the forcloseure notices and past due bills. I contacted them and they had no idea we were in the modification process with BOA. BOA simply threw us to the dogs. In Dec. 2012 I started the modification process with NSM and have yet to hear if our loan can be modified or not. But in the mean time I have receive numerous letters from NSM attorneys regarding foreclosure. I have contacted NSM and they state that we are still in the modification process. I read a few complaints on consumeraffairs.com from consumers who have also dealt with NSM and a few of the homeowners stated that there home were auctioned without there knowledge. I am affraid that this is happening to me and my family.

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i have had t modifications 2009 which increased my payment and 2012 which i am still fighting with them as the loan sign in 10/2012 did not close until 1/2013 and was charged forcloser fees and credit has not been reported since 2009, when i disputed with credit agencys ba removed morag from credit report

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I owned a small condo in Orlando, and my parents owned a small one in Kissimmee. In 2007 after my dad passed away my mom was all alone, so we decided and could not move with each other. We decided to sell her condo first, and used the money as down payment on a 3/2 modest home in August 2007. We put $115,000.00 down payment, and the plan was to sell my condo next so I can pay the balance. My mom was on social security retirement benefits, and I am on disability so we have very limited income. The house was appraised by the bank for $239,000.00, and the seller paid the closing cost for $5,000.00. In October 2008 my mom became very sick, and needed 24/7 care. I was forced to put her in a home, and in April 2009 five months later she died of a heart attack. I had an interest only loan at 8%, and was paying $800.00 per month. I paid an additional $15,000.00 in interest only, and I no longer had my mom\’s income. GMAC/DITECH which is a seperate case foreclosed on my condo, and would not let me even rent it out. I contacted the bank, and it refused to help me. I had two hardships the death of my mom, and loss of my condo. The house was not worth $111,000.00, and I already paid $130,000.00. Bank of America hired a the law firm of Shapiro in Tampa, and was moving rapidly toward foreclosure. I have been fighting with Bank of America for the past four years, and on February 2nd 2013 after contacting my congressman BOA made me an offer. My $122,000.00 balance went up to $158,000.00, and my monthly mortgage from $800.00 to $1,023.08. I was paying $100 per month in home insurance, and BOA wanted me to purchase from Balboa for $250 per month. I refused, so the bank called my insurance company and informed them the property was vacant. My insurer cancelled my policy, and BOA started to add the money on my mortgage. My taxes is around $1,500.00 per year, HOA $800.00, and Insurance $100.00. The property is now worth $130,000.00 on Zillow, and the estimate monthly mortgage should be $467.00 according to Zillow\’s site. I had an attorney from my church helping me, and the bank burned her out so she no longer wants to fight with BOA. There are more details about the situation with Bank of America, and I cannot fit the entire saga here. I cannot get anybody to stand up to the bank, and have been going around in circle. BOA is going to move rapidly now I do not have legal representation, and am going to be homeless. I am 55 years old, and have been disabled for the past 16 years, and do not have ten dollars in the bank. I have no life insurance, 401K, or investment and our entire family money is invested in this house. My father worked himself to the grave for 70 years, and my mother was a home health aide for years. I worked for 21 years, and we sacrificed so much to save this money. I was working with Acorn, but BOA did not want to deal with them and forced me to withdraw. I contacted the attorney general Pam Bondi\’s office who collected a settlement with BOA, and was told to contact the Comptroller of the Currency. The COTC told me to contact the Independent Foreclosure Review, and now the IFR was cancelled. The comptroller of the currency also just got a huge settlement against the banks, and I cannot get anybody to help me. I paid $130,000.00 on a house which costs $130,000.00, and the house is basically paid for in full. BOA was suppose to reduce principals, and my mortgage was suppose to be 31% of my income. The bank ignored all the rules, and increase my balance. They also increased my monthly payment, and this battle has been going on for four years now.

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Trying to forclose now. Pay off $219,273.50

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Loan was sold by Wilshire to bank of America. On march 1, 2010 I was told to call Wilshire to make a payment and cancel the sell. When call was made,phone lines were shut off. Called Bank of America, they said they had no info. Resulting in the sell/lost of my property.

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im single foster parent with disabled children. this has been a process since oct 2008. i applied and was in process of president program to adjust my mortgage and jumped hoop every step to be told at last step that they sold again this sressed beyond repair ive lost i am lost someone help me the house is in bad repair and im still here? whats next? susan frank

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I believe that I have a claim in a class action settlement against Bank of America.

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