Facts: Nearly two years ago my ex-husband got home in the divorce. Unfortunately, though, I am not separated from the mortgage responsibility; I am still listed as a co-borrower.
Starting a year ago, payments were either not being made or were late. Per several credit report pulled in the past three months, the delinquency on the debt has significantly and negatively affected our/my credit. I keep in touch with the bank via phone communication on a monthly basis. It was last month (October) that I learned from a representative that my ex-husband had applied for a home loan modification.
Bank of America then explained to me that any one borrower can apply for a modification, but upon qualification into a modification program, all borrowers need to approve it with signatures and have the documents notarized.
Later in October I learned through Bank of America that he had qualified for a modification and had been sent paperwork. I informed them several times thereafter that I likely would not be shown the paperwork and would not sign it. And so if they received paperwork with my signature it would not be mine.
PROBLEM: As of the Oct. 26 the Bank of America website now shows HUGE changes to the loan; the modification was approved and applied. I have not spoken with my ex-husband. I have not seen any loan modification documents, and I have not signed anything.
When I called the bank and explained what I had observed, they clammed up, put me on hold for a long time, and then and said that they wouldn’t be able to give me a copy of the documents for at least 90 days. They also told me I ‘need to speak with an attorney regarding possible forgery’, and have an attorney contact their correspondence team. In the same breath, it was confirmed by the bank representative that both the borrower and co-borrower need to sign the documents in order for it to go through (and be applied to the account). Unfortunately, I can't find an attorney that will go after Bank of America~ and I don't have a ton of money to go hire a big law firm.
WHAT DO I DO? It has been implied by the bank that my signature was forged, but won’t provide me with the documents - exactly the problem I am having with my ex. Or perhaps Bank of America made a mistake and only had one signature before approving and putting the modification in place. So how can i get that reversed?