Things are looking up for my mod. MHA. But have a question.

[taylor44]

This week a man from BoA came to my door. He told me that he was not the "enemy" He just wanted to verify that I lived there and the house was occupied by me. He asked me to make a call to BoA while he was here because he just had to write down the name of the person who takes my call and then left me to continue my conversation with BoA.
I spoke with a man who told me that I got a very good mod. (same as was offered in the original MHA package) and that I would receive a Fed Ex after my 3rd trial payment was received. My 3rd payment is due in about 2 weeks.
My question is that I now have a dispute going with one of my credit card banks, not BoA. They claim that they did not receive my payment and I have proof that they did take it out of my account but they won't budge and are being uncooperative.
Will this affect my mod from going through?
Thanks.

[ama125]

Originally Posted by taylor44

This week a man from BoA came to my door. He told me that he was not the "enemy" He just wanted to verify that I lived there and the house was occupied by me. He asked me to make a call to BoA while he was here because he just had to write down the name of the person who takes my call and then left me to continue my conversation with BoA.
I spoke with a man who told me that I got a very good mod. (same as was offered in the original MHA package) and that I would receive a Fed Ex after my 3rd trial payment was received. My 3rd payment is due in about 2 weeks.
My question is that I now have a dispute going with one of my credit card banks, not BoA. They claim that they did not receive my payment and I have proof that they did take it out of my account but they won't budge and are being uncooperative.
Will this affect my mod from going through?
Thanks.

I don't think that would have any impact on your mod. The whole "man coming to your door" thing is just weird. Did he give you the number to call? I know I've been highly paranoid and distrusting of people lately, but I would be suspicious of someone showing up at my door, like this could be some new kind of foreclosure scam. I would be sure to call an actual number that you have for Bofa and verify this is all legit. Did you get the guy's name that showed up at your house? If so, I'd be sure to check out that he really is an employee. Again, maybe its just me being paranoid, but this is the first time I've heard a report like this.

[taylor44]

It was out of the blue that he came by. They are just verifing that you live there and it is not an investment home or is vacant. Many people are trying to scam the banks on investment homes. The bank hires people to run around and verify. Yes, the number was the BoA number that is hasndling my mod. Nothing to worry about and in fact it is an indicator that your mod is near or disapproved. Just talked to the man who is handling my mod for me. He explained it to me and my mod is near.

[ama125]

Originally Posted by taylor44

It was out of the blue that he came by. They are just verifing that you live there and it is not an investment home or is vacant. Many people are trying to scam the banks on investment homes. The bank hires people to run around and verify. Yes, the number was the BoA number that is hasndling my mod. Nothing to worry about and in fact it is an indicator that your mod is near or disapproved. Just talked to the man who is handling my mod for me. He explained it to me and my mod is near.

Phew...that's good to hear! My imagination is getting the best of me right now. Was he in a black suit? I picture the men in black showing up with a phone in hand, "call this number if you want to survive!" LOL! Maybe I just need to get more sleep!

[taylor44]

No black suit very casual and friendly. He had me call from my own phone. I know it is very stressful to go through this, trust me. Try to relax and don't give up.

[Dave_R]

Hi,

Can you please share your experience how you got upto this point. We received a letter saying that we may be eligible for Home Affordability Program. We are getting ready to receive a call from Bank of America. I appreciate your input -thank you..

[MommyBook]

What was the guys name? What was the number he had you call? Who is the person who is handling your modification? Did they note your account saying that someone came by the house?

I ask these questions because last week someone was trying to get into our backyard. They were even trying to ask my neighbor for information about us, but she pretty much waived them off. I called my OOP mod monitor and she said that BOFA doesn't go to houses for any type of inspection for mods, and only maybe on a short sale.

[ama125]

Originally Posted by MommyBook

What was the guys name? What was the number he had you call? Who is the person who is handling your modification? Did they note your account saying that someone came by the house?

I ask these questions because last week someone was trying to get into our backyard. They were even trying to ask my neighbor for information about us, but she pretty much waived them off. I called my OOP mod monitor and she said that BOFA doesn't go to houses for any type of inspection for mods, and only maybe on a short sale.

I agree with you MommyBook. I would be highly suspicious of someone just showing up announced and if this was normal practice, we'd see more posts about it. The whole thing is just creepy to me, especially since you were told they DON'T do this. Definitely odd!

[MommyBook]

Originally Posted by ama125

I agree with you MommyBook. I would be highly suspicious of someone just showing up announced and if this was normal practice, we'd see more posts about it. The whole thing is just creepy to me, especially since you were told they DON'T do this. Definitely odd!

All I have to say is thank God for my dogs. They may be pansies, but one of them looks like he could do some damage and the other just... well...she's a spaniel.

Too bad DH wasn't home when all this happened. The person woulda been sitting on the curb, cuffed, waiting for the sheriff's department, LOL!

[taylor44]

BoA does come to homes. The ones they want to modify. They do not sneak around or talk to neighbors. That is what collection agencies do. BoA comes right to your door to verify that you live there so they know the mod will be legit. My agent verified that this is a common practice. Yes they know the man was here. He had me call while he was here. He needed to know, for his record, who I was speaking with at BoA. Then told me bye and to continue my conversation with the man at BoA. Nothing mysterious. Progress. I explained earlier why they send someone out.
I will not reveal the names of either man from BoA, they are on my mod. My agent will be revealed when it is final if it is permissable to do so.

[hope67]

Originally Posted by taylor44

It was out of the blue that he came by. They are just verifing that you live there and it is not an investment home or is vacant. Many people are trying to scam the banks on investment homes. The bank hires people to run around and verify. Yes, the number was the BoA number that is hasndling my mod. Nothing to worry about and in fact it is an indicator that your mod is near or disapproved. Just talked to the man who is handling my mod for me. He explained it to me and my mod is near.

Is this happening with everyone?

Taylor, did he go inside the house? Did he want to look around?

I personally don't let any stranger in my house without prior arrangement!

[taylor44]

I have no idea if this happens to everyone. He did not want to come in and look around nor did he look around at the outside. My experienced agent told me that it is not uncommon for a bank to do because the banks have been scammed by people who try to get mods on investment and vacant properties. He was here to verify that I lived here. This according to my agent that this was a good indicator telling him that they are serious about doing my mod and the phone call he asked me to make was to well known BoA number. Speaking with the man on the phone also gave me that impression, as he even told me what date my 1st payment of my new "excellent deal" mod is due.
People can believe what they want and question what his visit was all about and question if I am telling the truth all they want. I tell the truth and I am making progress.
I would like to get back to MY question if that is possible. TY.

[wayward1]

taylor, i don't think your cedit card situation will have any effect at all on your mod. they don't care about what you owe to the cc companies, only what they can get from you. good luck to you in the last stretch!

[taylor44]

Thank you Wayward.
One of my banks I have a credit card with claims that they did not get my payment. I have the proof that they took it out of my account. I don't owe them much but I refuse to pay twice and do their work to correct their error. They were sent proof but still claim they did not get the payment my bank sent them. I and my bank have all the proof.

[wayward1]

what bank is this? sounds like you need to go to a higher power, maybe CEO of that bank, BBB, or SEC...?

do not pay them twice, as you know, that's what they're expecting. can you fax all the documents to them?

[taylor44]

My bank from which they recieved their payment has sent them all of the proof that the CC bank did recieve the payment, on time, through an elec transfer as usual. They still say they did not recieve it. My bank assures me that the other bank did recieve it and has proof. My bank, a small one, can't believe how a large bank can be so confused or incompetent. I would like to withold the name of the CC bank for now , but they are a biggie, not BoA.

[Garry]

Originally Posted by ama125

I don't think that would have any impact on your mod. The whole "man coming to your door" thing is just weird. Did he give you the number to call? I know I've been highly paranoid and distrusting of people lately, but I would be suspicious of someone showing up at my door, like this could be some new kind of foreclosure scam. I would be sure to call an actual number that you have for Bofa and verify this is all legit. Did you get the guy's name that showed up at your house? If so, I'd be sure to check out that he really is an employee. Again, maybe its just me being paranoid, but this is the first time I've heard a report like this.

I'm with Ama on this one, Did you sign a Making Home Affordable TRIAL AGREEMENT?

[Garry]

Quote "This week a man from BoA came to my door. He told me that he was not the "enemy" He just wanted to verify that I lived there and the house was occupied by me. He asked me to make a call to BoA while he was here because he just had to write down the name of the person who takes my call and then left me to continue my conversation with BoA.
I spoke with a man who told me that I got a very good mod. (same as was offered in the original MHA package) and that I would receive a Fed Ex after my 3rd trial payment was received. My 3rd payment is due in about 2 weeks." end Quote
So you where already on a trial period and ready to complete a mod? Thats not what has happened to other people, the guy is showing up before there is any deal at all. Forget my last post, I can't delete it.

[ama125]

Sorry taylor44 - I did answer your original question in my first response I'm just so paranoid and distrusting of people these days...I was even suspicious of the TruGreen guy that showed up the other day (as if he were some secret double agent LOL!). Maybe I just need to take a break from all of this. We haven't seen too many people entering the end of the trial period yet, so perhaps this is to be expected of all people nearing the end of the trial. As for your CC payment, you have the proof of payment and I truly see no reason for that to interfere with your mod. BofA only pulls the credit report to verify the balance owed and minimum payment due (to make sure what you've told them checks out). I wouldn't sweat it! Sounds like you are on the right track and hope to see a future report that you do get a permanent mod!