Personal Advice on Home Loan Modifications

Okay this is some crazy shit.

First of all Jowanna Hill is on vacation all this week. I still did not get a phone call or e-mail from her at all last week.

Secondly.. I got a letter in the mail on Friday saying that we are not elegible for the loan modification. Pretty much the same crap I was told 2 weeks ago by some lame customer service rep that freaked me out.

I called Luis this morning and was told yes Jowanna is out of town and yes I'll have to wait until she gets back. there is nothing that can be done. I started freakin out about how this process is working and he just told me to try and be patient and to ignore the letter I got in the mail last week. He's a great guy and an amazing customer service rep.. Do ya hear that B of A? That man deserves a raise. He has the patience of a saint.

So then later this morning I called one of my friends to see what was up with one of her rental houses and she proceeded to tell me her long drawn out story with B of A.

Brace yourself.......it took her 10 months to get a loan mod with B of A and she still doesn't have her final docs. She also told me she didn't pay her mortgage for 10 months waiting for the loan mod.

I feel like such an idiot for writing those huge checks the last few months. My kids had a less than stellar Christmas so B of A could get their money. We haven't vacationed in almost a year because of B of A.

Needless to say I will not be sending in a payment this month and I wish someone had been able to tell me this stuff a long time ago, but I guess I just wasn't asking the right people for advice. I'll give you a piece right now.... Don't listen to B of A when they tell you to keep making payments. my friend told me she didn't get any attention from them until she stopped paying.

So we sit and wait... some more. Only this month we are going to have money. I already went out and bought the kids their spring time shoes to replace the old ugly winter ones. We went down to the zoo for the day on Saturday and spend an extra $100 (that's the extent of our spring break festivities), I scheduled an appointment to get those ugly skin tags removed from my face, an appointment for me and my son to go get new glasses, I spent over $50 at the grocery store this week ($125 to be exact), and I might even schedule dentist appointments for us all since we are 6 months overdue on our teeth cleanings. That's the kind of stuff we have been giving up to pay our mortgage payment, but no more. I'm going to take back control until they decide to give us a new payment.

Suck that Bank of America!