Posted on: 30th Dec, 2010 09:52 pm
:cry: :cry: :cry: :evil: :evil: :evil: :evil: :twisted: :evil: :evil: :twisted: my mortgage was charge off in feb.2009, i dont have a second mortgage. i agreed to make payments and have. as of oct 1, 2010 frist franklin was sold to bank of america. have been trying to make payment to them. but is having a hard time. everytime i call i get the run around the rep. of bank of america has been telling me something different every time i call. one said just send in what i agree to pay the other company and in the same phone after being swicth to person to person one told me dont cause the company not sure what they want to do with this loan yet. what should or could i do?
Hi ms. jackson,
You've mentioned that your account was charged off. In that case, you should ask the lender as to who your collection agency is. You will have to contact them and negotiate with them in order to get a payment plan to pay off your dues.
You've mentioned that your account was charged off. In that case, you should ask the lender as to who your collection agency is. You will have to contact them and negotiate with them in order to get a payment plan to pay off your dues.
Where you working directly with First Franklin before it was transferred to Bank of America? Meaning some lenders have their own in house collection department even if it was charged off, sometimes they will keep it in house for x number of days. AS Adonis above stated you should contact Bank of America and ask for the charge off department, tell them you were transferred from another lender and your loan was charged off. If you get transferred over seas (india) ask to be transferred back to the US, they never have the right information. I've worked in the loan modification industry for over 3 years now. I know Bank of America like the back of my hand. Just so you know they have over 10-15 call centers and NONE of them operate the same!!! Believe me a feel your pain!!
The key is to ask the right questions and keep pushing till you get someone who can help you. It may take multiple calls but you will get the right answer. IF it went to collections you should be getting a notice of who to pay.
Good luck :) feel free to email with other questions or use our online support.
The key is to ask the right questions and keep pushing till you get someone who can help you. It may take multiple calls but you will get the right answer. IF it went to collections you should be getting a notice of who to pay.
Good luck :) feel free to email with other questions or use our online support.