Unfortunately BOA bought our Mortgage from CountryWide. We hated them before that!

We were behind on our Mortgage 2 months. I sent BOA wire transfers on 8/19/11 and 8/29/11 totalling $2009.16. They put our payments in a float account and never applied the them to our mortgage.

We then received letters from a lawyer saying we were in preforclosure, for late fees and the unapplied mortgage payments BOA says they have the right to reject.

We then overnighted BOA $4500 for the 2 payments plus 2 advance payments, late fees, attorney fees waived, etc, etc. There were to return our $2009.16, still waiting we have been given bogus check numbers, told they were refused to our bank, etc, etc.

WE WANT OUR MONEY!! Were stuck in BOA hell, repeating, repeating, repeating a manager who was oh so concerned and promised to get back to me never did.

What are our options, there going to want another mortgage payment soon and they still have 2 in their float account. Now they admit their liars and never sent our money back and we will just have to wait up to 30 more days.

They must be having trouble making payroll and need ours to cut a few checks with!

They need account managers who work a problem through the end not an unending see of uneducated script readers who are chained to their customer call center desk and not allowed to walk to the next cucible to resolve a problem!

This is my nice version!

How can they legally do this?? When I said I wanted to see the exact paragraph in my loan docs that said they could do this, they replied it wasn't in there but yet the letters they sent said it was.

My ridicously high income taxes bailed these moronic asses out!