I had a modification loan that tried to forclose on my home. When I mentioned knowledge of the scams BOA was accused of they decided to not foreclose and accept my payments. ( I was not paying because they informed me not to until they could reassess my loan). This was back in 2012. In any case they began accepting my payments again and never mentioned foreclosure again. Then Carrington became my lender, I was told BOA was over their limit so had to sell my loan. Now in 2019 I try to get refinanced and am told that I have an outstanding "Balloon" payment owed to BOA for $83,000. I bought my home in 2005 for $130.00, then due to job loss applied for an HARP refinance in 2011. How in the heck can I owe Carrington $115,000. and BOA $83,000. What kind of scam is this? Can anyone suggest what I might do, who might I see for help?

Dec 2010 called BOA do you inquire about the modification program. General information was taken, a package was sent. After reviewing I decided not to participate due to the fact that they’re adding an escrow account in to the mortgage which I did not have the money for at this time. Never signed anything never sent in any applications or documents, then on March 5, 2010 they started taking money out of my account without authorization. I now have them in federal court on my own due to the fact that I had to sell my investment property because of their wrongdoing.

I have not paid my "loan" for 3 yrs and just now am in foreclosure. while I wasn't paying my "loans" I researched the Mortgage Backed securities and all the deception and fraud contained in each. I found out, when I applied 10 times for a loan mod with Nationstar, who denied me, stating the "owner"doesn't participate and we have to abide by their wishes, I wrote the :owner" Bank of NY Mellon and asked them "why"? They responded by stating, "we don't own your loan and have no say in the modification or disposition of your property, I told Nationstar, that unless and until they provided the owner of the loan, I was NOT going to pay them ever again. Some rep gave me a phone no. for the owner, and guess who answered Nationstar, I went crazy on the person that answered the phone, felt bad but couldn'thelp it. NOW IN foreclosure with heloc serviced by bofa and had the letter from BONY stating no legal power to enforce despite this pertinent evidence the moron judge awarded summary judgement in their favor, I have a decent attorney that I am spoon feeding the how to's, and filed a judicial complaint against this new to foreclosure know-nothing, The nationstar, first lien lost bid for SJ now want a settlement hearing which I told them to shove. Going to sue each and every entity that collected my loan payments on behalf of no true owner. The note never made it into the REMIC trust per PSA cut off date regulations and any assignment is proof of that, if they had endorsed the note properly and got it into the PSA in a timely manner, they would be able to enforce, but anyone in foreclosure with a trustee as plaintiff, is NOT legal as the trustee has no fiduciary duty to enforce, or foreclose or do anything in court for that matter and servicers like BofA are using their names to foreclose without their knowledge. The loan was sold prior to our signing it, which in doing so, created the money lent, so we're the creditor and banks the debtors, yet they charge interest and fees, get paid for sale to trust, investors, insurance and now want a fourth payoff. This is insanity at its worst and the idiot judges who have no clue about modern money mechanic and how money is created, believe that we were actually given any money, yet no bank can or did loan us a dime, they sold our note so many times, profiting the entire way, get bailed out by our hapless, sellout government, and STILL want our homes??? This is a disgrace to the entire country and I am going after the foreclosure mill attorney's when I win my huge settlement, as I intend to sue them all for any and all violations committed against me and my family, and I only "borrowed $150,000 all toll, and now they are claiming I owe over $200K,NOT going to happen assholes. These too big to fail bank cartels are only elephants and even elephants can be eaten one bite at a time and I am going to take a huge bite, as should anyone else that finds themselves in the loan mod insanity game when the truth is, they (servicers) have no power to change the loan terms and because of their haste and greed they have no clue who does, so NO one ever gets a legal, true loan mod and should stop wasting time trying. Instead, stop paying your mortgage and sue them to the wall, I have seen too mang folks just walk away, without a fight. There is a great book, Clouded Titles, by Dave Kreiger and a websiute filled with lawsuits filed against the banks, on Scrib that you can use to even write your own legal docs. Pro Se is not as hard as you may think and if you don't feel you know enough to go it alone pay for the course offered by Jurisdictionary, which is a step by step guide on how to file, what to state, motions and anything else you need to fight these low life bottom feeders. I also watch youtube videos endlessly, listening and taking notes. I have found cases that are exactly like mine and the homeowner prevails, if you state your affirmative defenses, include each and every issue, you have a very good chance to have summay judgement dismissed in your favor, then the ball is in your hands and move to sink their lying ship and have the attorneys sanctioned for bringing fraud into the court. ask to see the retainer contract with whomever is bringing the foreclosure and I guarantee you it will be the servicer when the atty is alleging they represent the plaintiff. also write a letter to named plantiff and ask them what part they play in your loan, I bet, it is not to foreclose, as only a servicer whose fiduciary duty it is to buy back the note at full value, could legally foreclose, but the servicers don't do it, they use trustee as plaintiff and that is highly illegal and immoral and are just stealing that which they, nor anyone else is entitled to. Your home is your castle and your right to own. This country needs to wake up to the level of corruption in all corners of our government, the banksters, the CIA, the FBI, they are all =corrupt and out for themselves and more wealth of the backs of the middle and lower class folks who don't know they can fight this fraudclosure without an attorney, just do your research and you will be amazed at the wealth of useful information available to anyone who looks for it. Sue them even if you have already lost your home, sue the attorney foreclosure mill, the judge and anyone else that had a hand in the theft of your home. STAND UP for your constitutional rights or our children will be left holding an empty bag of nothingness. If you have children, you owe it to them to fight like a wild animal and make the banks fight harder and more costly to steal from you, don't just roll over and let them make you think you owe them a dime, they owe us, and they have made enormous profits off of our signed note, which, once converted into certificates and sold to investors, HAD TO BE DESTROYED to avoid IRS and NY Trust violation of double dipping, yet these clowns proport to hold the certified "copy" of it anyway and this is an argument I have yet to hear made and may use it despite the judges fear of being the first to set precedent. Most judges are invested with the banks via their pension plans and see no reason to rock their boats, look into the judges financial disclosure to see if there is a conflict of interest. Don't leave any rock unturned, research everything. I had a Bloomberg audit of my loan done by fraudstopper.org and they found note and mortgage took two different paths, nullifying the loan, robo-signing and the trust had been paid in full. Please feel free to contact me via email if youy have any questions, as I want to leave this world a better place for having been in it and am willing to share all that I have learned in the last three years abnd would love to help anyone facing foreclosure. d.casey1u7@yahoo.com Thx for reading until the end of my long winded rant. God Bless

countywide originated Heloc w.non-disclosure of the terms of 10 year interest only, payments doubled thereafter BOA filed an assignment at countempty clerk office in 2015 when they actually began servicing in 2008, the entire time, I attempted to get loan mod. to no avail and they refused to change by due date to coincide with my SSD so incurred late fee every month, now they are attempting to foreclose and just last week provided an endorsed note previously no endorsement, BOFA is using Bank of NY mellon, trustee as plaintiff when I have a letter from BONY stating "we have no legal right to foreclose on your as" I have a great attorney in NJ that had my first mortgage foreclosure dismissed, which was made easy by the blundering foreclosure mill atty Buckley Madole who messed up the assignment dates and they did not coincide the three "new" notes brought in as evidence. Before that, these dummies tried to foreclose in front of my first mortgage, extorted $8000 from me and refiled foreclosure using KLM Law Group, who had to change their name to hid their previous misdeeds what I want to know is if my loans were securitized, and note was turned into certificates, how is it that no one is arguing the fact that once a note is securitized it must be destroyed per IRS, SEC and NY trust law, and if not, they are double dipping, which is securities fraud.?? am I missing something here, as this is quite obviously a blunder that has yet to be argued as far as I know.

initial purchased a home with country wide ,after purchsed of the home ,within 3 days of purchase that I was lied to pertain to home country wide stated they will assist me with the home buy giving me the options of them taken the home back , or assist with a new HOME. THEY LIED when BANK OF AMERICA took over the loan I TOLD THEM MY STORY ABOUT COUNTRY WIDE I HAVE BEEN PAYING ON A HOME AND NEVER BEEN ABLE TO LIVE IN IT SHAME ON COUNTRYWIDE AND BANK OF AMERICA WHAT HAS HAPPENED TO CREDITABILITY AN HONESTY IN THIS WORLD NOT BOA TO MAKE A LONG STORY SHORT ME AND MY FAMILY HAVE BEEN HOMELESS ,AND I WORKED HARD FOR US TO HAVE A HOME ONLY TO BECOME HOMELESS.

Bank of America called me several times during my nervous breakdown telling me I was foreclosing and all I had to do was sign a document to start a quick sale so I could at least get out from underneath the loan and profit $3000. They called me back and said everything is going well at call this appraiser"David" who appraised my $90,000 home at $19,000! Which didn't matter to me because I was moving out since I couldn't afford it on my own, however, I never signed any documents to start a quick sale....so they must've forged my name! This was approximately 2007

BOA lost my mortgage in the tune of $108,000.00 Then they foreclosed on me with a ridiculous sale to another Bank, and a low below average that was way below the market. Something has to be done! Thank you. 612-222-5643

Was told by BOA that I was three months behind when they raised my mortgage payment I had been paying for 8 years without my knowledge. Sent in paperwork for a modification and my payment went up again. Undue stress and no sleep is playing havoc with my sleep. Now I owe more than what I started with 8 years ago!

After being laid off we applied for a modification through BOA. 13 months later and numerous run arounds from BOA we received a letter from BOA that they would no longer accept our partial payments. These were trial payments we were told to continue paying from CS at BOA. We then were told we had to come up with 30,000.00 or we would be in foreclosure. We never received a notification of decline on our modification. We hired an attorney and after 3 years are going to trial on Monday. Now our modification is being looked at seriously by BOA and they are asking for a delay so they can get it through the system. Our attorney has told us that most of the time the judge is siding with the banks. Am I crazy or are the judges being paid off!!!!

Was with Countrywide, sold to BOA, did loan mod with thousands of $$$ fees tacked on, and no lowering of interest rate. Felt I had no choice, it was either accept their terms or pay ALL fees due(accumulated during modification). How was this helpful or legal????