Bank of America BOA BOA took over our mortgage from TAYLOR BEAN AND WHITAKER Nationwide

For your information I am not on welfare nor am I seeking to be on welfare.  

This all stems if you would pull your head out of your a*s and RE READ from the beginning.  We had just refinanced our home! Does that sound like we are trying to get out of anything?  UH NO!!!!!!!  

We refinanced and then that company--Taylor Bean and Whitaker was SHUT DOWN by the feds!!!  We had just closed on the refinance and then Bank of America came in .  THATS when the issues started.  THEY said to pay them, TBW said to still pay them.   BOA has screwed us around repeatedly.  They refused a modification that we requested AFTER they didnt honor our refi!!  Then they finally agreed to a trial payment-we were to make 3 payments and we made 6!  Payment 7 came due I called to make it and SELENE finance who BOA sold the note to just after we made 1 trial payemnt..they denied payment 7.  

You have no freakin idea what your talking about or what your saying.  And if you don't work for BOA, OR Selene finance then you need to shut your idiotic mouth!!  You have no business saying I am a free-loader or anything.  We have fought this since it started in 09 when TBW was shut down and they told NO ONE Of their issue.  Its people like you that wear the name d***** bag so well!!!

 As I said unless you actually have some insight shut the hell up bc you have NO idea what you are talking about!! We aren't seeking charity and your a freakin idiot to even say that. Kiss my A$$!!!!! It's people like you who need to get a life!!! If I wasn't paying anything at all and never had I could understand your comments! But I have paid. You aren't in my house nor do you know the details that haven't been shared. So until you do keep your dumbass comments. To yourself! If you have nothing to do with BOA you have no reason to bash me!

In your report EVERYONE of your problems reolve around YOU failing to make your full payment.

You admit you intentionally did not make a payment for 4 months.  Okay, so during that 4 month period did you save the payments off to the side and then in January make a bulk payment to make up for those 4 payments, or did you just decide that because you "think" you were getting screwed that they didn't deserve to get paid.

If it is the later, then you can try and shift the blame to who ever you want, but YOU are the one who caused your issues.

We then get to November 2011 when you sent a payment that was $40 short.  First of all if you couldn't come up with an extra $40 to make your mortgage payment(perhaps the most important payment you have)...you have bigger issues than Bank of America to worry about.  But again they are not required to accept a "partial payment", but even if they did you are still LATE.  Yes, as much as you think it sucks even if you were $1 short you would be considered in default.

I will ask the same question again.  So when they didn't accept the payment in Nov 11 did you save that off to the side and the next month when you were able to make the full payment did  you send them the payment?  Or did you figure that since they failed to accept it you could use it for something else?

We then get to your modification. A bank can sell or transfer your mortgage to anyone they want at any time, for any reason, and they don't need to get your approval.  You also seem to have a mis-conception of an "investor" they are not charity.  Of course if it was one of their relatives house they would do anything to make sure that they were able to keep it.  But here is the thing, you are not their relative.  They are not a charity and their concern is to make sure that they get their investment back.  Sorry if this is too rough for you, but this is the reality. 

No I do not work for Bank of America, or for that matter any bank or finanical institution.

Since you enjoy puking so much, go read this.  

propublica.org/article/bank-of-america-lied-to-homeowners-and-rewarded-foreclosures

You also need to go look up stuff about Taylor Bean and Whitaker!!  They have been in and out of court since they were shut down.  They were trying to collect payments from us after they were closed!  They also continued to send statements as well as Bank of America sending their own statement.  So unless you see the facts, see the paper work, dont tell me its a smoke screen or a bunch of s**t b/c you have no idea what your talking about.  

For starters, you need to go back and re read the entire F'n report.  The whole mess started with Taylor Bean and Whitaker.  

They didnt honor the refinance to begin with.   Payments not paid in the beginning was because both companies said to pay them.  Oh wait, you must have had something to do with Taylor Bean and Whitaker or you wouldn't have such smart a** comments to make. 

You are clueless.  And if you don't work for them you wouldn't have any reason to say boo h*o this and boo h*o that.  You have no idea what we have been through.   

We admited to not making a payment for the first 4 months when BOA came into the picture.   We paid until they quit accepting payments.  

For your information Bank Of America is in trouble and has been for screwing people over. They did not honor refinancing and proceeded to foreclose on people who were in fact making payments.   

I swear! People like you obviously have nothing better to do than bad mouth the honest people who are out there who are doing and have done what needed to be done to fix any issues.  You also have no idea the stack of papers, cleared checks from the bank and numerous other paper work to prove we have done everything we need to do to get it all straightened out.  Our 'new' mortgage company has also said that Bank of America has failed to get all of our paperwork to them.  They only have sporadic papers.   

So, unless you have some helpful information, keep your dumb a*s comments to yourself!

First off, the mortgage is NOT owned by you and it can be sold, bought or assigned whether you like it or not!

Secondly, you are so, so concerned about crooks, aren't you?  So what do you do?  You come up with some sorry c**k and bull excuse for walking out on your contractual respoinsibilties with this flimsy, smoke screen of an excuse for not making payments for four months.

Now, oh, boo h*o, you don't like the collections machinery WHICH YOU TURNED ON by YOU not making your payments.  Too bad, so, so sad.

The stench of you sorry welfare type deadbeats with your entitlement attitude is enough to make anyone throw up!

No, I don't work for them!