I have been working w/ BOA since october 2011. I called the day my husband lost his job to see what we could do knowing i would miss a payment soon. they told me I had to be 3 months behind before I could modify..so I did. and applied. then my acct manager changed in Jan 2012. I have sent in a total of 4 packets.
I was told this week I was denied modification and that I am in foreclosure and my sale date is Aug 7 2012. I asked her when they were going to send the letter of intent she said it was sent Jan 10th. I asked if she sent it certified and she told me no, and since in Texas it does not have to be certified, then later she said it was certified, and i asked for a copy of the green tag she said my husband signed, and she told me she cannot send anything to me unless it is a blank doccument (no signatures). i found all of this to be weird, so i contacted an FHA HUD counselor. He conferenced called and she sounded annoyed. She also told me future payments will be returned.
After I got off the phone with her, I went online to check my acct, and cannot have access to my loan.
I faxed a new mod packet to her yesterday, so hopefully this will delay foreclosure.
I looked up the property code for Texas. the "letter of intent to foreclose" should be in 14 point font bold and sent certified mail.
can anyone who has dealt with BOA help me out? does this sound legit? what papers should i be getting in the mail? Should i be sending any Letters?
Thanks for your help in advance