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Seventy-year-old Sharon Bullington may lose her home because she paid her mortgage a week early.
That may not make much sense to the thousands of homeowners who are behind on their mortgages in Florida. But it seems it does to Bank of America, which has filed to foreclose on Bullington and her husband, James, 78, who is terminally ill.
"It's like death to me," Sharon Bullington said, her voice quivering on the phone Friday. "My husband is bedridden. It's almost more than I can bear."
When James became ill, the couple encountered financial difficulties because of high medical bills. The couple asked Bank of America to modify the loan.
There was a catch. The couple would have to first officially default on their $1,400-a-month payment. The couple did that and entered into the modification plan, which reduced their payment to $916.
Sharon Bullington made the January payment on Dec. 23, and the bank accepted the money, according to court records.
The next month, she made the February payment over the phone. Weeks later, the money had not been withdrawn from her bank account. After Bullington asked the bank about it, a representative told her she had punched in the wrong routing number. In March, the bank kicked the couple out of the modification plan.
Bullington pleaded for help in a June letter to Bank of America president Brian Moynihan and U.S. Rep. Gus Bilirakis, R-Palm Harbor.
One of Moynihan's aides, Ana Olivera, told Bullington the foreclosure could not be stopped. She wrote in a two-page letter that the payment due on Jan. 1, 2011, had been made in December.
"In accordance with the Trial Payment Letter dated December 15, 2010, it indicates that if you are not able to make each payment in the month in which it is due, you will not be eligible for a modification under the Home Affordable Modification Program," the letter said.
If her trembling, aged hands, surely weakened from the exertion of caring for her dying husband, hadn't fumbled while entering the simple nine digit code for her bank's routing number, BoA wouldn't have to endure the hardship of throwing her and her bedridden and dying charge out on the street. She really should have been more careful.
Originally posted by kro32
Society can only coddle people so long before the system collapses. Does everyone need their hand held nowadays and be forgiven everytime they mess up.
Sorry but if you screw up you deal with the consequences and learn from your mistake. That's the problem with America is that nobody is allowed to fail anymore. Sorry she is gonna lose her home for not being able to follow simple rules but if you can't do it than ask for help.
Originally posted by LexiconV
reply to post by Vitchilo
Reading about this makes me feel sick. Is it any wonder people have had enough of Corporations, they are devoid of humanity and heart. This post alone would successfully recruit for Sept 17th US Rage Day.
I hope someone can help these people. The stress must be enormous within that home.
Originally posted by Connman
Well it`s stories like this that make me change banks.
Anyone dealing with this bank should close their accounts today not tomorrow I mean today right now.
Sharon Bullington, who has no children or siblings, said she is the sole caregiver for her ill husband, who cannot move from the home in his condition. She said she has repeatedly contacted the bank, but nobody will talk to her.