Same deal.NS came like a thief in the night, bank of america left the door unlocked for them.
Now i've even gone so far as to change cell numbers due to their dialy diligence, starting on the 2nd or 3rd of the month. Ive even almost lost my house while in the middle of a refinance that was to lower my payment with them. This they achieved by sending mail forms back and forth from texas to tennessee, telling me they were'nt filled out correctly. At this point they allowed me to get three months behind, then refusing to except any payment less than the full amount owed.
All this time they were assuring me these payments would just be rolled into the refinance, yet their legal office was sending me mail that informed me i was so far behind they were going to forclose in less than a week from the date of that letter.
I ended up having to get a loan to bring my payment current in the allotted time.It puts hate in your heart.
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