Bank of America is trying to screw me with my mortgage

[MENIIERE]

I asked for a deed in lieu and they said I would have to have the property listed for at least 90 days. I did that, then called them for the next steps. The rep told me that he needed to update my financial information, then send it over to the deed-in-lieu area. I told him nothing had changed since May and he said ok and the Deed-In-Lieu dept would give me a call in 30 days. BOA called me yesterday and said I owe them a lot of money. I told the rep that I was doing a deed-in-lieu and she said the only thing they see is a short sale request and I did not request a DIL and would need to place the house on the market for another 90 days. I went insane on them on the phone.Edited to remove inappropriate language I haven't lived there in 2 years and they are playing games. They said that I requested a loan mod (which is a lie) back in June that was approved. What do I do?

[hegemony]

what do you have in writing from BOA?

[MENIIERE]

what do you have in writing from BOA?

nothing, they've always called me or I called them. They claimed I requested a loan mod which was approved and that is a lie. They even said they send me the docs in June and I never got anything. I just want to be rid of the house.

[hegemony]

check out the subforum on modifications:

 

http://creditboards.com/forums/index.php?showforum=77

 

good luck!

[MENIIERE]

I feel so lost

[sirrowan]

WTF is going on here at creditboards? There is a crisis out there and yall are sending people to file 13 or 86 whathever you want to call it.

 

It is so effin noticeable, ya know?

 

c'mon.........................

 

Sense when did creditboards not care about people being sued for debt that the "creditor" cannot prove they owe? Hey sues...........

[DallasLoanGuy]

WTF is going on here at creditboards? There is a crisis out there and yall are sending people to file 13 or 86 whathever you want to call it.

 

It is so effin noticeable, ya know?

 

c'mon.........................

 

Sense when did creditboards not care about people being sued for debt that the "creditor" cannot prove they owe? Hey sues...........

 

 

i believe that the op was sent to the foreclosure/loan mod forum.

 

i dont think anyone is going to sit here and pity the op.... just move them along to the appropriate forum.

 

and what does unprovable debt and lawsuits have to do with this thread?

[breeze]

I'll move the thread for you.

[sirrowan]

WTF is going on here at creditboards? There is a crisis out there and yall are sending people to file 13 or 86 whathever you want to call it.

 

It is so effin noticeable, ya know?

 

c'mon.........................

 

Sense when did creditboards not care about people being sued for debt that the "creditor" cannot prove they owe? Hey sues...........

 

 

i believe that the op was sent to the foreclosure/loan mod forum.

 

i dont think anyone is going to sit here and pity the op.... just move them along to the appropriate forum.

 

and what does unprovable debt and lawsuits have to do with this thread?

 

Pity? Who mentioned pity?

 

"and what does unprovable debt and lawsuits have to do with this thread?"

 

Are you kidding me? Dallas Loan Guy? WTF? Like you don't know what's going on out there?

Got your head up your flowers? You gotta.

 

Pullllllllllllllllllllllllllllllllllllllleeeeeeeeeeeeeeeeeeeeaaaaaaaaaaaaaaaaaaa

aasssssssssssssssssssssweeeeeeeeeeeeeeeeeee!!!!!!!!!!!!!!!!!!

 

And I'm sure that you are gonna want to be all authoritative and threaten or even suspend me from Creditboards and such. But honestly? Where the hell have you been? I've been scanning this forum for over a week and this is the first I've seen of you. And is your post of a helpful nature? Nooooooooooooooooooooooooooooooooooo. You're offering up "no pity" and "move them along" .........again WTF?

 

You're soooooooooooooooooooooooooooooooooooooooooooo helpful, ya know?

 

Dallas Loan Guy...your screen name speaks volumes...........................

[jasonw]

Are you offering any help sirrowan, or trying to throw gas on a fire.?

[sirrowan]

Are you offering any help sirrowan, or trying to throw gas on a fire.?

 

Point taken.

 

I tried to edit this post and something happened.

 

Anyways, OP, they may not have right to the deed and probably don't own the note.

Edited October 2, 2009 by sirrowan

[cotterpin]

WTF is going on here at creditboards? There is a crisis out there and yall are sending people to file 13 or 86 whathever you want to call it.

 

It is so effin noticeable, ya know?

 

c'mon.........................

 

Sense when did creditboards not care about people being sued for debt that the "creditor" cannot prove they owe? Hey sues...........

 

 

i believe that the op was sent to the foreclosure/loan mod forum.

 

i dont think anyone is going to sit here and pity the op.... just move them along to the appropriate forum.

 

and what does unprovable debt and lawsuits have to do with this thread?

 

Pity? Who mentioned pity?

 

"and what does unprovable debt and lawsuits have to do with this thread?"

 

Are you kidding me? Dallas Loan Guy? WTF? Like you don't know what's going on out there?

Got your head up your flowers? You gotta.

 

Pullllllllllllllllllllllllllllllllllllllleeeeeeeeeeeeeeeeeeeeaaaaaaaaaaaaaaaaaaa

aasssssssssssssssssssssweeeeeeeeeeeeeeeeeee!!!!!!!!!!!!!!!!!!

 

And I'm sure that you are gonna want to be all authoritative and threaten or even suspend me from Creditboards and such. But honestly? Where the hell have you been? I've been scanning this forum for over a week and this is the first I've seen of you. And is your post of a helpful nature? Nooooooooooooooooooooooooooooooooooo. You're offering up "no pity" and "move them along" .........again WTF?

 

You're soooooooooooooooooooooooooooooooooooooooooooo helpful, ya know?

 

Dallas Loan Guy...your screen name speaks volumes...........................

 

 

Dallas Loan Guy happens to be the moderator of the Mortgage forum (and has been for quite some time), and he is around quite often actually. I can't, for the life of me, figure out why you're posting this way towards another poster, nevermind a forum lead. You've been around long enough to be quite familiar with the TOS.

 

 

Do you have any advice or help for the OP's situation?

[sirrowan]

WTF is going on here at creditboards? There is a crisis out there and yall are sending people to file 13 or 86 whathever you want to call it.

 

It is so effin noticeable, ya know?

 

c'mon.........................

 

Sense when did creditboards not care about people being sued for debt that the "creditor" cannot prove they owe? Hey sues...........

 

 

i believe that the op was sent to the foreclosure/loan mod forum.

 

i dont think anyone is going to sit here and pity the op.... just move them along to the appropriate forum.

 

and what does unprovable debt and lawsuits have to do with this thread?

 

Pity? Who mentioned pity?

 

"and what does unprovable debt and lawsuits have to do with this thread?"

 

Are you kidding me? Dallas Loan Guy? WTF? Like you don't know what's going on out there?

Got your head up your flowers? You gotta.

 

Pullllllllllllllllllllllllllllllllllllllleeeeeeeeeeeeeeeeeeeeaaaaaaaaaaaaaaaaaaa

aasssssssssssssssssssssweeeeeeeeeeeeeeeeeee!!!!!!!!!!!!!!!!!!

 

And I'm sure that you are gonna want to be all authoritative and threaten or even suspend me from Creditboards and such. But honestly? Where the hell have you been? I've been scanning this forum for over a week and this is the first I've seen of you. And is your post of a helpful nature? Nooooooooooooooooooooooooooooooooooo. You're offering up "no pity" and "move them along" .........again WTF?

 

You're soooooooooooooooooooooooooooooooooooooooooooo helpful, ya know?

 

Dallas Loan Guy...your screen name speaks volumes...........................

 

 

Dallas Loan Guy happens to be the moderator of the Mortgage forum (and has been for quite some time), and he is around quite often actually. I can't, for the life of me, figure out why you're posting this way towards another poster, nevermind a forum lead. You've been around long enough to be quite familiar with the TOS.

 

 

Do you have any advice or help for the OP's situation?

 

I just posted.

[Cleaning_Credit]

what do you have in writing from BOA?

nothing, they've always called me or I called them. They claimed I requested a loan mod which was approved and that is a lie. They even said they send me the docs in June and I never got anything. I just want to be rid of the house.

 

I've read that BOA/CW is a real pain to work with. You'll likely be in NOD/NOTS/foreclosure limbo for many months. I think that it's hard to get a DIL from them (or any lender).

[acesfull]

Hi All

 

Hi OP and Others. The lesson to be learned here is simple. Get everything in writing. What is said over the phone means nothing.

Communicate via US mail with return receipt request. Keep good records. Fax and copy all letters.

If need be, record all phone conversations. Do not believe anything they tell you on the phone. Get it in writing and signed.

Remember the banks and mortgage company's and loan processors are not your friend. They are trying to get your money.

They will lie, they will cheat, they will try to deceive you. This is business and business is war and war never ends.

You need to be better at it then them. Good luck.

 

acesfull