You will not believe this!
My girlfriend inherited a property after her father passed away a year and a half ago that was financed with BOA.
There was a month or so before it was 100% figured out who the executer of the estate was, which turned out to be her uncle. Once that was settled he sent a check for around $5,500 to BOA to catch up the mortgage and to pay a month in advance. To everyone's surprise the BOA served him with a foreclosure notice and returned his check even though it was in probate! Now came the aggrevating part, the BOA wouldn't speak to her uncle or my girlfriend to try and settle this since they would only speak with her father which passed away. We sent them a copy of the death certificate but this apparently wasn't good enough for them. A rep with BOA even had the nerve to tell my girlfriend that they had no proof that her dad was actually dead and not just trying to get out of the mortgage, even though she had the death certificate in front of her!
With involvment from the estate attourneys we finally got it squared and the foreclosure stopped however it involved us paying even more money out of the estate for extra fees that they tacked on.
A couple months go by with my girlfriend trying to assume the mortgage, they still wouldn't talk to her or her uncle. They kept saying that they need to fill out forms that they faxed to us, which they did fill out, and fax back to them several different times. No good, still wouldn't talk to anyone, still couldn't assume the loan.
All of a sudden bam! Another forclosure notice was served to her uncle, this time they claim they never got a check for a payment, we checked our account and sure enough it was never cashed. Again we paid more money for fees and stopped the foreclosure.
A couple more months go by, and BAM! Served another foreclosure! This time the BOA said that it was illegal for my girlfriend to inherit the property since she was a step child!!! Who ever heard of that? This time we get more attourneys involved and finally they drop the foreclosure proceedings.
My girlfriend was still unable to get anywhere with assuming the mortgage so we finally went to our local bank once the deed was finally fully transferred into her name and refinanced it through them back in August of this year. Finally, we done with BOA and we all felt a big weight lifted off of our chests!
Ooooh Nooo, not that simple!!!!
Sunday night, Oct. 28th her uncle was served ANOTHER foreclosure notice by the BOA! This time they claim that our bank never sent them the payoff check!!!!!! Are you kidding me? Even though my girlfriend, her uncle, and our local bank were all named in the foreclosure papers only her uncle was served. They never contacted anyone prior to serving the papers, not her uncle, not us, and not our local banks, they just served the papers!
Our local bank tried calling BOA but couldn't get through to anyone that would talk to them about it. They called the attourneys handling the foreclosure and was told that they never sent the payoff check. So our bank go back through their records and finds that of course, the check was never cashed! Again!
So our bank tries contacting BOA again, this time they're told by a BOA rep that they sent the payoff check to the wrong address, this is complete nonsense as the payoff recording that they get when they call the number lists the same address that they sent it to, as well as the payoff forms that were faxed to them that they sent in with the check also lists the same address that they sent it to. IT SAYS SEND TO THE ADDRESS THEY SENT IT TO!!
Our local bank then calls the attourneys again to try and get it taken care of, but apperantly their idea of taking care of it is for us to pay them a few thousand dollars more for more late fees and nonsense bogus charges!!!!!
Here's the deal in my opinion:
The property was appraised for around $250,000 and had a payoff of $97,000. BOA simply wants to steal this property and sell it for a profit, plain and simple. When they find out that we will fight them they settle for charging us a few thousand dollars. Either way you look at it they are trying to steal from us!
I've contacted a new lawyer to look into sueing these jerk offs, I've contacted the state attourney general to look into predatory unlawful foreclosure, our local bank is talking to their attourneys, and the estate attourney is looking into it.
The BOA is flat out trying to extort us and I'm not going to let it happen! If these jerk offs are doing this to us than there's a good chance that they do it to others too! This company has to be stopped and exposed for the gangsters that they really are!