My latest BOA HAMP problem

**JREASK** · 12-05-2011, 06:33 PM

WE began the HAMP with BOA in 2009. After months of paperwork and phone calls, we finally received the final mod papers in March of 2010. We made all of the trial payments on time and we never were late with our payments at any time. Our first permanent payment was in May of 2010. All is well up until today. I got another FEDEX package from BOA. IT basically stated that they made an error in the interest rate of the loan. It should have been 3.5% and they are charging 3.625%. Of course, I only have 6 days to return the papers to BOA.
The letter states that the original first payment was due in May 1, 2010. It says that my new first payment will be February 1, 2012. Any payments that were made between May 2010 and Feb 2012 will be deducted from the original loan balance. BOA also says that we owe $2768 in other deferred amounts. We have never been late. Where do they get this amount?
My account online says the account is current and no mention of HAMP. I called BOA and of course, no one could tell me what was going on. Anyone have a good contact number? Should I skip the two payments until Feb 2012?

HELP !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! !!!

JOE

**Cat Damiano** · 12-06-2011, 02:53 AM

Hi Joe,

You may want to escalate this to the executive team, they can be reached at the following.

executive team
1-704-386-5687

Please keep us posted on how it goes.

**JREASK** · 12-06-2011, 06:15 AM

Thanks for the contact info. I will post a follow up when I get some info.

JOE

**Evan Bedard** · 01-12-2012, 03:44 PM

Hey Joe, did you ever find out what happened with the new documents you were sent by BofA.. I'm curious to hear what happened especially since you have had your account permanently modified for well over a year and made all payments on time...

**JREASK** · 01-12-2012, 04:14 PM

Hi Evan,

Here is the latest. I emailed Barbara Desoer and another person who helped with the original HAMP. I explained the situation and that I am now getting letters stating that I am two months behind. I was assured that these letters would not happen. Anyway, no one has ever emailed me back. I send the email to them every day with no response. I asked them to make sure I was not getting marked late on my credit report. I did receive two phone calls at 5:45 PM Central time from someone named Brandon and he leaves a voicemail with his contact number. I missed his call by seconds and immediately returned his call but I always get his voicemail. I explained to him that this is a serious matter but he doesn't call back for a few days. So, right now I a really frustrated by these guys. I don't know if this Brandon guy is just trying to collect the payments that I don't really owe or if he was instructed to call me by the office of the president? As we all know, the right hand doesn't know what the left hand is doing at BOA. I wish I could talk to someone who knows the actual facts. Calling the BOA phone number is like chasing our tail. HELP !!!!!!!

I guess I should have told you that I did NOT make the Dec and Jan payments. Now I'm getting letters stating that I am behind. How simple is it for these people to update their computer system with the correct information ? If I ever do another mortgage, it will be with a local institution. Thanks for your help.

**cali92262** · 01-12-2012, 04:19 PM

If it's Brandon Camacho, hopefully you have better luck with him than I, or you can find a different negotiator.

Originally Posted by JREASK

Hi Evan,

Here is the latest. I emailed Barbara Desoer and another person who helped with the original HAMP. I explained the situation and that I am now getting letters stating that I am two months behind. I was assured that these letters would not happen. Anyway, no one has ever emailed me back. I send the email to them every day with no response. I asked them to make sure I was not getting marked late on my credit report. I did receive two phone calls at 5:45 PM Central time from someone named Brandon and he leaves a voicemail with his contact number. I missed his call by seconds and immediately returned his call but I always get his voicemail. I explained to him that this is a serious matter but he doesn't call back for a few days. So, right now I a really frustrated by these guys. I don't know if this Brandon guy is just trying to collect the payments that I don't really owe or if he was instructed to call me by the office of the president? As we all know, the right hand doesn't know what the left hand is doing at BOA. I wish I could talk to someone who knows the actual facts. Calling the BOA phone number is like chasing our tail. HELP !!!!!!!

I guess I should have told you that I did NOT make the Dec and Jan payments. Now I'm getting letters stating that I am behind. How simple is it for these people to update their computer system with the correct information ? If I ever do another mortgage, it will be with a local institution. Thanks for your help.

**Cat Damiano** · 01-13-2012, 01:16 AM

Joe,

Are you referring to the Executive number I posted for you above when you mention it is like chasing your tail, because that is the direct line to the CEO's office?

executive team
1-704-386-5687

**JREASK** · 01-13-2012, 03:31 AM

Originally Posted by Cat Damiano

Joe,

Are you referring to the Executive number I posted for you above when you mention it is like chasing your tail, because that is the direct line to the CEO's office?

executive team
1-704-386-5687

I have never called that number. I just now realized you posted it. Thanks for posting it. I'll try it today.

Thanks again.

**Kps2010** · 01-31-2012, 01:41 PM

Were you not setup with a go to guy? When I call it asks for my loan # from there I get transferred to my acct rep. This keep you from dealing with people who are not aware of your situation. Also if skip 2 months then it's late...I'm sure a computer pushes those letters out when they didn't receive payments for 2 months.

**Evan Bedard** · 01-31-2012, 02:34 PM

Originally Posted by Kps2010

Were you not setup with a go to guy? When I call it asks for my loan # from there I get transferred to my acct rep. This keep you from dealing with people who are not aware of your situation. Also if skip 2 months then it's late...I'm sure a computer pushes those letters out when they didn't receive payments for 2 months.

What number have you been using to follow up with updates? The number may be beneficial to JReask and other members here in the forum..