This link just goes to show that BOA does not have any of the paperwork that is necessary to prove your loan is with them.
http://www.docmagic.com/compliance/wizard/2009/april-2009/cw-merge


I state this information above because I have been informed now by two different agents that BOA cannot find our loan docs only the Deed of trust changing names from my Father In Law and my husband to Me and my husband. I personally am not on the loan but I have dealt with so much mess with this I feel like BOA should OWE ME!!


Well I got a letter in the Mail today from Senator Burrs office and it contained a novel from the OCC (Office of the Comptroller of Currency) Heres what it said (or lack there of:)

Senator Burrs office states:
Dear Jeff and Christina,
In response to my inquiry on your behalf, I have received the enclosed correspondence from BOA regarding your mortgage issues.
I truly regret that it is taking so long to resolve this matter. I realize that this must be very frustrating to you. However, it seems BOA has recently made two unsuccessful attempts to contact you.
Once you have contacted Mr. Nicholas Neisen at 877-430-1431 to discuss your options, please contact Susan Hatfield in my Winston-Salem office at 336-651-5125.
In the meantime, if you have any questions, or if I can be of further assistance please feel free to contact my office.
Sincerely,
Richard Burr
US Senator


Well thank you Senator Burr................BOA has not attempted to contact me I contacted THEM numerous times over the past few weeks and have gotten the run around and the most recent is that I cannot contact the regular number at 800-669-6607 because they have it blocked from the people that will actually tell us what is going on from telling us from what is going on on the mod! Follow that? LOL
NOW.............Here is the lovely letter from the OCC......
Dear Senator Burr,
The OCC is responding to your constituent's letter regarding the above referenced financial institution. The focus of the OCCs review of consumer complaints against national banks and federal savings associations (thrifts) is to determine whether the financial institutions' actions are consistent with banking statutes, regulations or any policies that are applicable to nationally chartered banks.
Mr. and Mrs. Sawyer requested mortgage loan modification assistance that would allow them to retain ownership of their home. they say despite providing all requested financial and repeated calls and contacts to the bank, no one could explain the continuing delays or clarify the status of their modification requests.
The OCC contacted the bank and as a result the bank responded to Mr and Mrs Sawyer and our office on July 15,2011. Another copy of that response is included in this letter for your records.Based on our assessment of the matter, our conclusion is the bank now provides additional relevant and salient information not included in the Sawyer's letter.
The bank clarifies that the Sawyer's began requesting mortgage modificaiton assistance in September 2008. Over the years, the bank and investor Fannie Mae repeatedly asked the Sawyer's for current, complete and comprehensive financials but the Sawyer's did not honor any of those requests.
Matters continued over the years and the bank and Fannie Mae continued accepting the Sawyer's requests. The Bank and fannie Mae still never received current or complete financials and thy remained unable to move the process forward. The bank and fannie mae will need the Sawyer's continuing cooperation, participation and co-active assistance throughout all phases of the mortgage modification process.
The OCC is an administrative agency and we have no authority to moderate, mediate, or arbitrate new mortgage contracts between private consumers and their bank. All these matters are negotiations and remain entirely private, proprietary, and confidential between borrowers, bank, and investors at all times.
The Sawyer's themselves will now have to strategize how best to pursue further modifications that might allow them to retain ownership of their home. The OCC cannot coerce, compel, or demand that the bank or investor Fannie Mae offer the Sawyer's a new mortgage contract that contain specific rates, terms or conditions.
Thank you for bringing this matter to our attention. If we can assist you in the future, please do not hesitate to contact our office.
Sincerely,
Customer assistance group

All I have to say about this is OMG! Ok where to start with this letter......I have tried to contact the OCC for over a year now and have not gotten anywhere but if Senator Burr contacts them WHOO HOO lets jump on that! Heck with the consumer. NOW............We have NEVER NEVER NEVER EVER not sent the information that BOA or Fannie Mae has asked for. Sent MANY faxes to them numerous times, Emailed numerous times and Fed-ex'd many times all documentation needed or asked for. They dont always put it in the system in a timely manner but I certainly have complied. I also want to know where in the world did the Sept. 2008 date come from??? This mess didnt start till July 2009. This is another date to add to this mess. Oh what a nightmare! HELP!!! I am liable to go grey at 30!