Indiana
Unfortunately in 2011 we had to do a Deed in Lieu Foreclosure on our home. Our mortgage company was Bank of America (BAC). We completed everything in the agreement, had it signed/notarized, BAC's representative signed and notarized, their law office recorded it with our County Recorder's office, and it was complete! They sent us the final documents and we went on about our lives with a fresh start.
In September 2012, I received a "mortgage statement" from a company named Select Portfolio Servicing (SPS). I called the number listed and advised them we didn't own the property anymore and that we completed a deed in lieu with BAC. They stated that the loan was transferred to them. I again argued that we don't have a loan with that property anymore. The supervisor then said that I was basically lying and that kind of mistake doesn't happen. I told her that I had copies of the Deed in Lieu. I then faxed them to her and she still said that it wasn't sufficient. I told her not to call me ever again.
I continued to receive monthly mortgage statements, collection phone calls, and then they started threatening us with foreclosure. I called BAC's attorneys and confirmed that the paperwork I had was a complete Deed in Lieu and confirm that we don't owe anymore toward the mortgage. She said that was correct and confirmed the recording documents with our county. She said if they try to foreclose, they won't get far. But in the meantime this isn't going away. They have now reported over $18,000 in missed payments on our credit report.
I have filed a complaint with BAC and SPS. I have called every department possible. I don't know what else to do. We completed a deed in lieu when we lost income and sadly had to walk away from our first home, but knew there was hope to revive and start fresh. We were finally cleaning up our credit report and now bam! our credit is now crap again. They have reported a missed payment every month dating back to December 2011. I am at a loss, I don't know what to do.
Any suggestions?? BAC's attorney has been helpful with telling me to fax SPS documents and such, but says they can't get involved on my behalf since they are BAC's attorneys. I am about to the point where I want to find an attorney, but I don't have a large lump sum to litigate with a huge corporation. I would think it's pretty plain and simple considering we have the documents. But that doesn't help our credit report!
Unfortunately in 2011 we had to do a Deed in Lieu Foreclosure on our home. Our mortgage company was Bank of America (BAC). We completed everything in the agreement, had it signed/notarized, BAC's representative signed and notarized, their law office recorded it with our County Recorder's office, and it was complete! They sent us the final documents and we went on about our lives with a fresh start.
In September 2012, I received a "mortgage statement" from a company named Select Portfolio Servicing (SPS). I called the number listed and advised them we didn't own the property anymore and that we completed a deed in lieu with BAC. They stated that the loan was transferred to them. I again argued that we don't have a loan with that property anymore. The supervisor then said that I was basically lying and that kind of mistake doesn't happen. I told her that I had copies of the Deed in Lieu. I then faxed them to her and she still said that it wasn't sufficient. I told her not to call me ever again.
I continued to receive monthly mortgage statements, collection phone calls, and then they started threatening us with foreclosure. I called BAC's attorneys and confirmed that the paperwork I had was a complete Deed in Lieu and confirm that we don't owe anymore toward the mortgage. She said that was correct and confirmed the recording documents with our county. She said if they try to foreclose, they won't get far. But in the meantime this isn't going away. They have now reported over $18,000 in missed payments on our credit report.
I have filed a complaint with BAC and SPS. I have called every department possible. I don't know what else to do. We completed a deed in lieu when we lost income and sadly had to walk away from our first home, but knew there was hope to revive and start fresh. We were finally cleaning up our credit report and now bam! our credit is now crap again. They have reported a missed payment every month dating back to December 2011. I am at a loss, I don't know what to do.
Any suggestions?? BAC's attorney has been helpful with telling me to fax SPS documents and such, but says they can't get involved on my behalf since they are BAC's attorneys. I am about to the point where I want to find an attorney, but I don't have a large lump sum to litigate with a huge corporation. I would think it's pretty plain and simple considering we have the documents. But that doesn't help our credit report!
