Never even been officially denied mod from BofA.

[Riley18]

I am so happy I found this site because I have been beating my head against a brick wall with BofA since November of last year. I sent them a hardship letter first, and then called them frequently. I faxed pay stubs and called some more. I have even had our state senator contact them. All I got out of that was a quick one minute phone call telling me I did not qualify for a mod. I know I do because our mortgage with taxes and insurance is now 48% of our gross monthly income.

My question now is what did I do wrong to not even get a rejection in writing
I think their plan is to just string me along until I have to stop paying the mortgage. The last rep I spoke to kept saying that the reason they cannot help me is because I am not behind in my payments. I am eager for my August 17th phone appointment with NACA, but am fearful of placing too much hope in the outcome.

I will keep reading posts here because it really helps to know what the banks are doing to everyone, and that I am not alone in this situation. Best of luck to everyone here.

[Garry]

Originally Posted by Riley18

I am so happy I found this site because I have been beating my head against a brick wall with BofA since November of last year. I sent them a hardship letter first, and then called them frequently. I faxed pay stubs and called some more. I have even had our state senator contact them. All I got out of that was a quick one minute phone call telling me I did not qualify for a mod. I know I do because our mortgage with taxes and insurance is now 48% of our gross monthly income.

My question now is what did I do wrong to not even get a rejection in writing
I think their plan is to just string me along until I have to stop paying the mortgage. The last rep I spoke to kept saying that the reason they cannot help me is because I am not behind in my payments. I am eager for my August 17th phone appointment with NACA, but am fearful of placing too much hope in the outcome.

I will keep reading posts here because it really helps to know what the banks are doing to everyone, and that I am not alone in this situation. Best of luck to everyone here.

I went through the same thing, after months of fighting with them and finally giving up, my Fed-Ex package came. I think the Gov. is cracking down on them for not helping anyone. Don't give up.

[Garry]

I should also say I stopped making my payments and the house was scheduled for auction before I got any help.

[Riley18]

May I ask what sort of mod you got?