[jmayflower55]

I sent my first request for modification to BOA on March 22, 2009. I included all requested documents Income/expense and explanation of circumstances leading to our inability to pay. I followed up every week with loss mitigation and was told to please be patient. In April we were notified by mail from the Home Retention Group, on BOA letterhead, that BOA was extending an offer to us for modification of our Fannie Mae Pool loan with BOA, our loan met the criteria for HAMP (Home affordable modification Program). I called the number on the notice and they also took my information again verbally. Then we started getting automated phone calls indicating that we should have received a FedEx with the modification packet by this time. I called BOA and Home Retention Group and BOA Loss Mitigation and told them we hadn't received anything. They said they had no record of my ever submitting our modification information . This was May 4th. I resubmitted our financial information to the operator and I call virtually every day to check on the statis. I have faxed, express mailed, called and pleaded with anyone who would listen stating that our loan is now in serious delinquency and I desperately need information about wether we will qualify for modification or if we need to prepare for foreclosure. No one would even offer to take a look at our application. I was told this past week that it may take another 4 weeks for a response. By the time they respond the loan will be thousands more in arrears. I told BOA that I take full responsibility for our situation, I am not whining. We want to fulfill our obligation under our mortgage contract with them and are willing to accept ANY modification terms that reduces our payment and gets us back on track. Not one person has responded. We are 4 months since we first applied for modification. I hope you have more success. Best of Luck.