NOTE: They have not included any dates of prior year policy nor this year date of policy (It never lapsed that is why it is not mentioned in their “fabricated fee” letter to me…

Yet, they have included some “fabricated fee” and unless I prove there was no lapse they will take yet more of my money on “fabricated fees”…

This is what I do: I scan their document, emailing it to my insurance company and laying it on my insurance company to remedy this discrepancy. Voila no stamps no money out of pocket and it is dealt with – with the ultimate record to verify they have received it as well as my insurerer who happens to be another bank. Thus, others know, their is minimal work on my behalf and they have NO POWER without a lot of verifiable evidence. I then have my insurer email me what action they took, as well as what they emailed BOA, so I have all transactions neatly recorded in one file, again neat, clean and no money or time wasted!

I have ridden this bull for years since 2008, they obviously are having a tougher time throwing me as the “fabricated fees” have gone down, none the less they still keep coming back for more as no one, and I mean no one is stopping them. I have involved the Office of the Comptroller of the Currency, Texas Office of the Attorney General, Insurance company, etc… since 2008 and the government has done nothing! Thus, I am managing BOA like a cancer it keeps trying to grow out of my bank account but I won’t allow it! Go somewhere else and steal from someone else since our government is allowing this and perhaps is a part of it!

Don’t let others draw you into complicated situations that can confuse folks and especially you. Just keep coming back to it being simple and easy to understand by a jury of YOUR peers.

Until THEY (and I mean whoever, since others are jumping in to claim you owe them as so many of us have paid whoever said we owed them) can get past number one above, all other talk is a waste of time so don’t be drawn in !!!
Also many are claiming they are owed by you, knowing it is a lie, and when not paid, claim it as a loss on their income taxes.
Crooks find ways to be crooked and this housing fiasco is a road to money for many people.