Bank regarding The united states – silver alternative line of credit (hardship)

When we name from all of our mortgage, loan modification, our company is told “individuals gets back to you

We participate in the fight facing B away from An i’ve come handled extremely improperly. ” Our company is life style not as much as this affect from fera off shedding the house to have a-year. People i have spoken with makes us getting i have complete something very wrong. We had a detrimental mortgage thru Countrywide. The organization is as bad since the Nationwide.

I’m called James and i also was in fact unfairly advertised so you’re able to credit agency’s from the Lender away from The usa. I called doing score a decrease in my interest rate to acquire an effective callback two days afterwards throughout the silver solution adversity dept into November 25th. They considering a deal if i intimate my account and you may tried to have difficulty they might get me a lowered rate of interest. They provided me with right until DEC 15th to make the decision. I entitled back on the DEC 11th and you will acknowledged and you can provided 640 bucks first off from inside the program. I asked this new CSR if they was every other fees owed and she replied every I wanted to invest is actually 640 cash. I became recognized to your system and you will told you to my personal 2nd payday loans in West Virginia fee is due in January.

Bank from America features age on my credit score that has been in a good standing with credit agencies

elizabeth as much as and i also gotten my allowed page and you may my terms and conditions outlining that was considered me personally to your cellular phone and no later charges and just spending anytime for the reason that day it was owed. Amounting in order to 640 bucks. two weeks later on acquired a page into 26th into erica claiming I found myself 1280 bucks about and you can had a need to create arraignments having fee. Called CSR from the Bank of The united states to the letter offered and are told that we was an installment at the rear of and still owed 738 bucks for my personal November percentage. We read the letter toward CSR one to Financial out of The united states delivered and you may she offered to what was in the page and you will is advised i wanted to invest the fresh new 640. She said one to charging was still making up ground. one week later try named once more once and also make a payment for 640 and you may try told I was nonetheless about 640 bucks and you will want to make commission. Then i made 2 way more percentage for 640 bucks for the March to-be caught up towards the membership.

I entitled Financial away from America to find out the thing that was supposed to the and found away that i is actually step 1 payment about however, it is just reflected within my DEC 09 charging you statementing, most other statements say 640 dollars. The fresh new CSR attempted to continue harping to your DEC 09 that should was indeed 640 as there recharging is actually behind. The report next has said You will find merely needed to blow 640 cash. We argued and you will trapped him or her on a taller tale when you look at the which they cannot define where the 768 dollars most had went and i was actually perhaps not adjusted. The major situation I have is they have claimed myself later for two 30 day late and their on the internet battery charging and you can commission alternative have said in the tired of dealing with their hardship agency and they have proven incorrect. I was disappointed when informed I needed discover judge action to solve. And additionally in which ‘s the 768 dollars that has today disappeared off my personal declaration they are dinging my personal borrowing for 2 months in which I’d repaid 640 cash. It acknowledged and you can told it actually was looked after of by CSR. I’ve had which mortgage for ten years and it also had originally owned by MBNA which i never really had complications with. Enjoys anyone else got that it exact same question