Issue prior to myself now is and therefore Bank from America create I believe?

Office of Attorney General, Draw Shurtleff Utah Condition Capitol Cutting-edge 350 North State Highway Room 230 SLC UT 84114-2320

Then, I happened to be advised I might be called 2nd from the a great negotiator that would share with myself my options within the next 30-45 days. Now i’m questioning just who the negotiator would-be symbolizing, and you may what will be negotiated.

Affixed (simply click so you can build), delight pick a page dated , in direct contradiction with the label, stating Your qualify for a permanent amendment of your home loan not as much as our home Sensible Modification Program. I found myself advised we will be sending they to you in the near future. Excite be on the lookout to own a package on mail and return the newest Contract so you can you of the questioned go out thus we can be execute your loan amendment. Which was 7 months in the past! The newest mailbox continues to be blank.

Gentlemen: I obtained a call regarding Bank off America recently advising myself, The request for financing amendment has been declined

I am hoping whatever you possess we have found an instance out-of the latest left hand unsure just what right-hand is doing. My personal acceptance page originated from the first target mentioned above. I was and then make my repayments to your 2nd target listed significantly more than.

The person with who I spoke of late conveyed I experienced introduced three amount payday loans online same day Smeltertown away from recognition, but in some way having grounds not adequately said since the she understand from a prepared script that we had hit a brick wall certain test on the 4th stage of the approval procedure. Up to one to name, I happened to be unaware throughout the things from level of acceptance.

We have produced my personal demonstration payments regarding $grown monthly unfalteringly since the very first agreement dated , just after becoming informed there’s good three month trial months. When it latest phase growth in the consequence of underwriting you to was complete over last year, your absolutely are making the decision which should be updated that have new monetary studies that we would-be prepared to also have. My earnings continues to be a portion of what it was previously, but We to make certain your its enough right now to more meet the requirements below a modification if analyzed and you may up-to-date. Fifteen months (one or two birthdays) attended and you can moved since underwriting are to start with over. I have generated the latest demo costs faithfully due to the fact conformed. The entire slow procedure has now held it’s place in play for Fifteen Months!

Your own communications in my experience have lay myself into the an embarrassing status, getting claiming it as only as i normally. We have acted from inside the good-faith. But not, Bank off America did the opposite, it seems, until there is certainly a straightforward explanation you can render in addition to a separate telephone call from anyone training a program.

When sharing my personal dilemma and you may my fury recently which have a great close friend that is and a large financial company within Utah, I was advised when planning on taking my circumstances for the Attorney Standard out-of Utah, erica is probably the poster child for how not to ever handle property foreclosure measures. We have and additionally copied Shurtleff’s place of work on this subject letter.

I am creating to inform you one to up until I pay attention to straight back away from you (is actually 10 months long?) I can just do it just like the told and you may render action against Lender from The usa thanks to my legal counsel, who is also copied on this page to possess certain show by Financial away from America within the page old (pick attached) upon which I have relied. You simply cannot lose your potential customers in that way.

Sadly, unlike solving my personal loan having a modification to aid myself in accordance my personal family, I am leftover so you’re able to promise I am wrong on the assumption I am getting victimized

We still trust we can handle the challenge amicably. not, We assuring your I won’t end up being another type of home loan foreclosure statistic not as much as this type of specious activities in the place of some explanation I’m hoping was imminent.