As you probably know, my law firm represents many Alabama consumer who sue mortgage companies such as Bank of America. Well, today I received a letter from Bank of America.
I opened it up and it was addressed to me and said that BoA recognized that I represented my client and they wanted to send the letter to me.
I was puzzled as there was no “consumer” or “homeowner” name listed.
So who was this person I supposedly represented?
While I occasionally represent families outside of litigation when dealing with their mortgage company (primarily using the new RESPA rules to help them), most of my clients involving mortgages are in federal court.
I didn’t recognize the street address.
This was all I had as the geniuses at BoA didn’t give me a name.
So I had my secretary call the person and number on the letter to find out who our client was so we could respond to the letter if we needed to respond.
BoA said we had to give them the client name.
“We don’t know the name as you didn’t give it to us.”
BoA says, “Well, we have to know the name to look up the person to see if we are allowed to talk to you.”
My secretary says, “You sent us the letter so obviously you think we represent this person so tell us who it is.”
Then it wanted to know what kind of business we are in.
Well, who is this “John Watts” guy?
“He’s a partner in the firm.”
Then they wanted to know what kind of law we practice. A long pause and then the representative says “We sent you the letter in error — ignore it.”
Quite reasonably my secretary says “Please send us a letter that we can ignore the previous one (it had deadlines in it)” which caused the BoA folks to go into a tizzy.
They thought this was outrageous.
I still don’t know who the letter was for but this was simply a small illustration of the insanity of dealing with these mortgage companies. This is why we have finally changed our procedure and have agreed to represent clients before a lawsuit with their mortgage company — to help them write letters, understand (if possible!) what the mortgage company means with its letters and requests for more documents, and then ultimately get the client a loan modification and see if the mortgage company has violated the law and needs to be sued in federal court.
So for whatever it is worth, these mortgage companies treat everyone bad and with a lack of any skill. Doesn’t make you feel better but maybe at least you’ll have some comfort in knowing it is not just you.
If you are in Alabama and having issues with Bank of America or any other mortgage company, we will be glad to chat with you about some options you may have — there is normally hope to save your home if you act quickly. You can reach us at 205-879-2447 or you can fill out our contact us form on our website.