Bank of america BOA Bank of america home loans modification aren't real Tampa, Florida Nationwide

 Hard times hit me September11 2011. I contacted Bank of America (BOA) to see if I would qualify for a modification. I was told by BOA to send in a lot of papers which got lost or as they (BOA) stated "we didn't receive them". After resending the same papers over and over the following month with that another house note came due. I asked Tom the representative from BOA I was assigned to where do I send my payment since sept payment wasn't made? Tom stated "You can't send in a payment at this time" "The underwriters have your paperwork and that could mess up their calculations". I didn't think much of it I trusted him. November came and went but still no place to send the house note.

I became very concerned. The modification started Dec 2011 January2012 Feb 2012. All went well so I thought. Mar/Apr-Dec came and went then finally April 2013 came and so did my HAMP permanent modification paper work. While reading threw these papers I was horrified. BOA wanted me to sign papers stating I was 37,600 in the rears. I phoned BOA and at this point I had received several different contact people only to get the run around about these figures. Finally I contacted what I thought would be someone stable a person that would be my contact person. Well I was told that all those months (year+) of payments was placed in a certain account and to everyone including the credit bureau it seemed like I hadn't made any payments until I sign and send back these papers.

I stated "once I added all my payments it still didn't add up". Well as the lady stated " Interest accrued". $6,000+ and that gets put back once all the papers were signed besides you will lose your home if the papers aren't back in time. So BOA submitted a bill to HUD in my behave in the sum of close to $38 thousand dollars and I was to repay them in a balloon payment at the end of my loan. A few months passed and still they (BOA) haven't signed their part to complete this transaction. I continuously call and of course I get the run around. I finally call an ask "since you don't and didn't close my modification is there a chance the note can be a little bit lower if not just leave it. The BOA rep stated of course when we do these modification we leave a small margin just in case. I also had HUD involved for2 and1/2 months to see why my modification never closed. HUD seemed to be working on it and out of nowhere stated"BOA told us they closed your mod" I stated"well did they give you any paper work that shows this ".

HUD stated "No""and we're closing this case now goodbye". BOA did state"before we complete your mod you have to sign these forms stating you will allow us to convert your FHA loan to. A conventional loan. I stated no way then I'll have no protection from you loan sharks! That rep stated"well your house is up for auction next month anyway. I signed the papers. Here's the what was to be a HAMP mod I received. BOA attached 11years onto my mortgage plus they got paid from HUD almost $38 thousand dollars plus any extra money I might send in will go straight to interest also I cannot ever rent the home out plus there's a second $25 thousand dollar balloon payment next to that other balloon payment. I was just made aware of the lawsuit BOA lost in court. BOA stated in their letter "you qualified for $25 thousand forgiveness but you won't receive this forgiveness until your mortgage term is up . According to the courts BOA had a short while to notify people and do whatever. The courts did not say " do whatever in 25 years". There's no one to protect the homeowner from deceitful loan sharks like BOA. I cannot hire a attorney I'm a disabled single woman with a fixed income besides how can a single attorney fight a corp like BOA you need a army.