Bank of America stalling tactics!!!
Original mortgage with Countrywide.It was one of those no doc verification ones. It adjusted 3 months later. Thankfully was able to get a mod. I fell behind due to illness in the family and had been trying for over a year to get another mod. Wells Fargo is my investor. I first tried the hamp route . Back in the beginning BofA stated they were missing bank statements I know I sent. I sent them again. Got my file all the way to.underwriting to be told by the negotiator "missing docs not eligibile for in house mod due to investor guidelines" was told if I had a change in financials I can apply again. I got a raise so I called BofA got another Hamp package to start again. Went on this forum suggested I contact BofA OOP.Got in touch with a wonderful lady Mayra Santos who informed me the docs that were in question months ago were in time but were entered a day late by the bank due.to.processing (how is this my fault?) She set me up with a new negotiator named Anthony Tran who seems mice enough.He told me he is.just going to try for an in house mod. Ok so now here I sit waiting again,meanwhile I.am.getting further behind. (27,000) currently. Anthony just asked me for a slew of financial docs verifying my income. I did not file taxes last year as my filing status.was qualifying widow with dependent . I was below.the filing threshold. My question is if I sent a statement letter from HR Block stating my filing status, 3 months of bank statements showing direct deposit of my social security check and a verification letter from my employer on company letter head will that be enough. I am making a lot more this year . I also on a side note contact the OCC to investigate my case. Also strange I received last month.a check from the FTC versus Countrywide due to illegal practices they were doing . I wonder if that would help my case????