http://www.consumeraffairs.com/finance/ ... tgage.html

Hello to my new friends in suffering.

I used to be a countrywide client. Got an 80/20 no doc loan june 2006.
Paid ontime and extra for four years. My finances changed in 2010.
Lost job. So I got out there and hustled, went back to school, clean toilets and rented out roooms.
I did everything I could.
I called BofA and asked them what could be done about my 1200.00 payment at 7 percent.
I did not over borrow. They wanted to lend me 175,000.00
I borrowed 125,000.00
I could scrape by and pay 800.00. I finish school in 8 months.
I will hopefully be gainfully employed by then.
Did they say, hey you have perfect credit, still. We could so a streamline loan, with no docs, and no appraisal
and drop you down to 4.25 putting you right where you need to be.
NO they did not.

They said ,you must stop making your payments for minimum 3 months then we can modify you.
I was all ?????
So I did.
I was a wreck.
I then entered into the ring of fire from October 2010 till now.
Paper after paper.
did not receive after did not recieve.
Send us your tax transcripts
did
no we cannot accept them
send us your origional tax form, uh sent that to the fed's.
make a new one and send it to us.
OK
took info from transcript put on new 1040
I was emailed that I was approved on a friday
on monday I was emailed that I was not approved and that I would be foreclosed on.
This entire time, I was sending them 800.00 a month.
They took the payments and put it towards the principal.
Really?
no
they just said that
Today I called for a number to pay off the back payments.
They said I owe 8 months of 940.00
I am all what?
They said they would mail me the reinstatement numbers plus attorneys fees.
I asked what attorney.
She said,we don't know but we will find him and send you his bill.
HUH.
Frustrated and tired I began searching the net.
Found this site.
Found others.
Found fraud
blatent fraud
What the heck are they doing with the money we send to them, or that they steal from us,
as in the case of the women who with blind trust gave them access to her checking account.
I read stories where they buy back the notes from the courthouse steps and won't even let someone else buy the
property.
Case in Wa. Lady owes 179,000 house appraised for 185,00.00 guy on court house steps bids 200,000.
and Bank of America bids 200,001.00 and takes the house back.
WTF???
Then I read that between 60- 90 percent of countrywide notes are GONE, like donkey kong.
Bank of American is lieing stealing, and cheating Americans out of their homes,
with fear and intimidation they suck the money and the life from U.S.
I have been worried sick for over a year.
I felt as if I was going to die of a heart attack.
I kept resending the same papers over and over and over.

I wanted to do the right thing.
How can I when bofa makes no guarantees and does not follow through on their own statements?
I became free when I found this site.
I will no longer pay the beast.
I will tie them up in their own paperwork.
I will tie them up in court and represent myself and demand the note.
I will rent out the roooms in my house and keep the cash.
I will remove all items of value to me, in case they come to toss me in the street.
I will not consider this my home anymore.
My home was stolen by bank of america.
My home is being held hostage.
Nothing I do will get her back.
Especially if I give in to the demands of my homes kidnappers.
They keep changing the rules, they keep wanting more, until Bank of America sucks you dry.
Then they steal your house anyway.

There is no trust and there is NO TRUTH in Lending.
How is the government local and federal letting them get away with this fraud?
Why did we give them billions to bale out?
We should have let them die.
Bank of America recieved a tax refund last year!

I do not know.
I just have no answeres.
I have a guess.
I guess they have NO NOTES.
They are forcing people to foreclose because they have NO NOTES.
They cannot back it up.
That is why they are using every intimidation tactic available to make us hand over our notes.

I say don't give these rat bastards another dime.
Make as much money from your home as you can and save it up for you next rental.
DO NOT HAND OVER YOUR HOME.
DO NOT CAVE UNDER the PRESSURE.
Do HOMEWORK.
If you are lucky enough, like me, to live in a judical foreclosure state.
GO to court!
MAKE THEM PRODUCE THE NOTE.
The real and actual note that you signed and all chain of custody that goes along with it.
READ THE LINK ABOVE
SAVE YOUR SELF AND YOUR FAMILY.
Every person you talk to at Bank Of America, get names and company I.D numbers.
Write it all down!!

No one can help U.S but U.S.
I am so happy I found this site.
Now I have information.
Now I know it is not just me who is being bamboozled.
Bank of America is an enemy of the people.
They are the enemy we are supposed to be protected from.
We are not being protected.
Save your self and save your money.
You will need it when them come to throw you in the streets.

I will let my home feed my pockets as long as I can.
I will no longer fund this beast, this terrorist, this company that lies cheats and steals from
my fellow Americans'.

Thank You to bankofamericasucksdotcom!!!
I am free and it is now my game!
I will continue to post as I go through the process of foreclosure.
I am a 5'3 American woman and I am also the sleeping BEAR.
I am awake!

Shannon in South Carolina.