I'm assuming this is more of the terrible disorganization with BOA. Without going into complete details , I just completed a 3 month trial mod on my first mortgage. BOA had finally decided to give me this after I completed the first 6 months of hardest hit. They then sent me the paperwork to be filed by the end of this month for the permanent mod. In addition, I surprisingly received a letter saying that my 2nd mortgage had been forgiven.. I'm also waiting on possible more coverage from the 2nd half of the hardest hit program to cover my back balance on the first mortgage.
There is more to this story, but today I received an alarming and seemingly unrelated letter from this REDC solutions company. It was on BOA letterhead, but it does look a bit suspicious. In the letter, it states that my mortgage "could not" be modified, and then goes into an offer for a DIL. Did my name somehow get stuck on a list with these people? Is BOA just hopelessly disorganized, and I'll never know what's up? I don't see any court case with my name on it for foreclosure, so I'm not sure what to make of this. Thanks for any help.