Bank of America Bank of New York Melon, FKA The Bank of New York, Recon Trust Company. Mortgage Fraud Dallas Texas

I have been in a living nightmare for 5 years now. I am disabled with many dibilitating health issue's.  I put $140, 000 down on my home, all the money I had to buy a fixer upper. More than half the asking price for my home. I was given a 2 year fixed and was told to call before 2 years were up to refi into a fixed rate. Needless to say I didn't qualify to refinance but they offered a modification with 2 months of no payment. This is how my nightmare began. I have applied for this modification 12 times now (doing the 12th go at it right now.) I keep being told that I didn't qualify because I didn't complete all Docs requested or I was told my file was "dropped" lost and to add insult to injury my file keeps getting mixed up with someone else's. I have never missed a payment. In fact at one point B of A sent me my payment back.I have high blood pressure and other heart and health issue's that have been exaserbated because of what B of A has put me through. My attorney has filed a law suit against B of A because of their unfair lending and predatory lending practices. Has anyone out there actually gotten a "Real" modification with B of A? I dont want to lose my home. I couldn't survive on the streets because I will have no where else to go.