I can't do this anymore...

We got NINE foreclosure notices in the mail today. NINE! Looks like God wants us to move out by June 1st! Or at least BofA wants us to move out.

Called BofA again...and again...and again today. (Picture red eyes and streaming tears.)

Result: No record of loan mod. No record of trial payment period. No assigned negotiator. WHAT? Deep breaths...............But they are all happy to tell me my Sale Date and ask if I want to make a payment today.

I throw my hands up! I can't do this anymore. Time to start packing!

The last call even gave a glimmer of hope. But I am sceptical and too emotionally exhausted right now to have hope.

After listened to me go over the past 4 phone calls in detail, the last one (Melvin) put me on hold for quite some time and when he came back, he had his supervisor with him (he said). He said I was approved for a loan mod and assigned a code to my account for this. He said we should get a loan mod trial package in the next 10 biz days and if we made our three payments then we would be approved. He also said that he knows we’ve already been told this, and “don’t cry everything will be okay…keep the faith”.

He said he explained my situation to his super and the super said the number is automatically assigned when the account is closed…he said when he tried it that it didn’t automatically assign the number so he showed his super and then was told to enter the (magic) code manually. Then he checked to see if the code appeared for real on my account…he said it did. (Possibly the reason I'm going in circles with BofA is that they don't have a system that works???)

Needless to say, I am still very upset…I really do not believe anything anyone tells me at BofA…I really feel like I need to let it go and just start packing! I know we will be okay…it’s like it’s been a long hard battle with cancer and we’ve been mourning the loss a long time now and it will be easier to say good bye in 4 months.

I wonder if there is a BofA Loan Modification support group?

Here we go...again!

Made my first "2 week" call to BofA today. (BTW: The number that I have had success with is 877-744-7691 ...listened through all of the prompts until it said to remain on the line for customer assistance).

Basically, I called to check the status of my loan mod request and see if they received my fax from the 6th...

It shocked me when I was told I had a Sale Date of June 1st, 2010! Really? That's the first I've heard of a Sale Date! So if I don't get a loan mod, at least I know when I have to move out...Ha! (Add sounds of frustration here!)

The only good news is that they received our paperwork (today)and that we are supposed to be assigned to a negotiator. This part of the process could take 30-90 days.

Now I'm supposed to call back in 2 more weeks to see where the modification review is and to see if the Sale Date is still in my file (apparently the mod review is supposed to put the sale date on hold!).

Around and around we go....again!

On another depressing note, a friend told me about her neighbor's situation with BofA--She thought she was in "review", called every 2 weeks and told she was in "review" (over and over),now she finds out there is a Sale Date and she was never in review!!! What!?! Thanks for the warning! Please pray this doesn't happen to us!

Hope

I just got off the phone with BofA…Here’s the deal now: They said that we are in Pre-foreclosure (like I didn't know that). I accepted the Trial Payment plan through the Making Home Affordable Plan. The woman I spoke with today was very nice, very informative, and willing to give information without pulling any teeth:) She said the offer was still in my file from the last time I called and that she would submit it for review and Fed Ex docs to us about this Trial Period. Wait! The guy I spoke with last time said nothing about mailing us information. And when I asked, he said they wouldn't be mailing me anything! Ugh! Fire him!

It will take 90 biz days for them to review this and decide if they can help us. At this point, we do not make payments, but we save the money as if we are making the payments. After the investors review the Trial Period agreement and our paperwork/letters/income etc, we will then begin making the agreed upon Trial Period payments…. Then the investors will review again (for loan modification which includes extending the term, catching up what is past due, rate, etc) which then takes another 60 days. We make our trial payment until told otherwise.

So now I get to fax our current info to a “new” fax number, Attention: HOPE, and then call every 2 weeks to check the status of our Modification request. I am to ask if there is anything new and did they receive the docs we faxed? She didn't know how long I would need to call every 2 weeks, but said it would probably be the full 90 days before I got any info about the possibility of a loan mod.

She said, “We definitely want you to keep your home”. And then said the loan could still go into foreclosure. "If it does, and this isn’t resolved yet and they post a sale date for the foreclosure, we will request an extension to have time to finalize the loan mod."

So…let’s start saving!!! We can do this!!!