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We have not missed a single monthly payment since getting the modification.

It is now April and our account STILL has not been updated and we still do not have our online account access back yet, so I have to call them every single month in order to schedule a payment. Today, out of the blue, I received an automated call from BOA stating that we had been approved for assistance, but that they have not yet received the signed documents back from us. We sent these 6 months ago and our account manager even confirmed that they had received them along with our certified funds that were needed to make the modification go into effect! Of course, my account manager was not available (as if she ever is), so I spoke to someone named Max. I told him what was going on and told him about the automated phone call that we had just received claiming that our documents were never received. This whole modification process should have been done and over with MONTHS ago!!!!

I do have an original signed and notary stamped loan document.

Strangely enough there north cash payday loan were no instructions on the docs to even have them notarized. Even with my limited knowledge of filling out loan paperwork this seemed strange. After dealing with them, at that point for nearly two years, and seeing how they operated I opted to follow my instinct and get notarized copies. Good for you getting the agreement notarized and having an original!

Regardless, recording it will serve as evidence they did modify the loan. We received our permanent modification back in September (6 months ago) get payday loan after waiting about 4 months for the approval. We never had to do any trial payments at all and our account manager even told us that what we had received was a permanent modification. On September 10, 2012, we received a package via FedEx from BOA. Inside of the package was a letter from BOA that started off by saying We are pleased to advise you that your loan modification has been approved. In order for the modification to be valid, the enclosed documents need to be signed and returned along with the requested certified funds.

A few days later, our account manager called and told me that they had received everything and that we were all set and that our first official payment under the new modification would start with our November payment. We have not missed a single monthly payment since getting the modification. It is now April and our account STILL has not been updated and we still do not have our online account access back yet, so I have to call them every single month in order to schedule a payment. Today, out of the blue, I received an automated call from BOA stating that we had been approved for assistance, but that they best pay day loan have not yet received the signed documents back from us.


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We sent these 6 months ago and our account manager even confirmed that they had received them along with our certified funds that were needed to make the modification go into effect! Of course, my account manager was not available (as if she ever is), so I spoke to someone named Max. I told him what was going on and told him about the automated phone call that we had just received claiming that our documents were never received.

This whole modification process should have been done and over with MONTHS ago!!!!

Feel free to vent here anytime, as you can see there are many members dealing with BofA that feel the exact same way. Please keep us updated on what the counselor is able to find out.

I do hope that they are able to fix the issue soon. The comments by me next day loans online and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice.

Most of the information you find here is easily available on the internet.

You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Thanks for that info Tom. BOA indicated that I had the option of completing the loan papers myself and sending them in or having one of their representatives come to me. I wish there were a class action suit in MI I could join. After 4 trial payments, BOA approved our permanent modification in Oct 2011, and we had it notarized and returned it immediately, but they never properly closed it. I continued to make trial payments over the phone for months, repeatedly asking them whether there was anything else I needed to do to get the process finished.

The reply was always No, everything is fine, we have all your documents, just keep making your payments. Then, I fought with them to get the modification file re-opened after they closed it a full year later for missing documents which they never told me about! In January 2013 I escalated to the OOP, and have been in contact with Ms.

McCollum, who is very nice but has been same day loans bad credit unable to no teletrack payday loans direct lenders help me get the file finished. Which is destroying our credit which I have been working so hard to improve, and we have never missed a payment. Anyway, just wanted to vent, and payday loans direct lender only maybe somebody has a suggestion how I can get them to do their jobs.

After 4 trial payments, BOA approved our permanent modification in Oct 2011, and we had it notarized and returned it immediately, but get a cash loan they never properly closed it.


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I continued to make trial payments over the phone for months, repeatedly asking them whether there was anything else I needed to do to get the process finished. The reply was always No, everything is fine, we have all your documents, just keep making your payments. Then, I fought with them get payday loan to get the modification file re-opened after they closed it a full year later for missing documents which they never told me about!

In January 2013 I escalated to the OOP, and have been in contact with Ms. McCollum, who is very nice but has been unable to help me get the file finished. Which is destroying our credit which I have been working so hard to improve, and we have never missed a payment.

Anyway, just wanted to vent, and maybe somebody has a suggestion how I can get them to do their jobs. Since you have been in contact with the OOP, they should have been able to help much sooner than this. Other options at this point would be to file complaints. If this is a HAMP modification you can start by contacting The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Just wanted to post a follow up. I did get in touch with the BofA executive team and had my file escalated within a week of this how to get cash post. On Friday my representative finally told me that my income had been verified by the underwriter and a decision would come, generally, within 30 days. I have no way of seeing any statement reflecting any of them and other than the electronic check which I have to call my personal representative to deduct each month there appears to be no record of them. If they turn me down for the global settlement I think it might be time to hire an attorney. I have excellent records for everything that has happened during the past nearly three years of working to get the loan modified. Also just losing my loan mod papers and telling me I have to start over after a two year battle that I fought getting the first loan. Do you feel it would be worth my while to hire an attorney? Any other ideas you have would be greatly appreciated. Was also thinking about trying to get a news station interested. Receiving calls every 24-48 hours from the Office of the CEO and President telling me that they are still awaiting a decision--if my regular person is out of the office, someone else calls. I received three Fedexed letters from BOA, the first, mentioned above.


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I have great records bad credit loans unsecured and have conversations just prior to this and just after noted where they were told me get payday loan that all of the docs were received and in order and it would just be a little longer before they could update my account to reflect the permanent mod.

I would think acceptance of the agreed upon amount would be a legal indication that they have accepted the permanent loan mod offer they gave me.

The third letter thanks me for sending in my financial docs and says that they are evaluating them to see which program best suits me. At this point I laugh when I open this garbage, these people are even more messed up than I thought. I hope I get an opportunity to present this to someone who can go after them aaa payday loan at some point, there should be some accountability. After the past three years, I am cautiously optimistic. This was the result of letters to the CEO and I have been dealing with someone in that office since Dec.

After the past three years, I am cautiously optimistic. This was the result of letters to the CEO and I have been dealing with someone in that office since Dec.

The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice.

Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect get payday loan to any particular issue or problem.

The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney.

Please Read our Privacy Policy and Legal Disclaimer I received the paperwork, which at this point amounted to a letter saying that I was approved for the DOJ reduction and I needed to make my three trial payments. After that I would be sent a packet for the permanent loan with the details. I questioned the wording on what I posted below, where it says, You could receive a principal deduction.. Sounds a little fishy coming from BOA, but we shall see.

Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages. I received the paperwork, which at this point amounted to a letter saying that I was approved for the DOJ reduction and I needed to make my three trial payments. After that I would be sent a packet for the permanent loan with the details.