Profile

Cover photo
Tom Dignazio
Works at The Life & Annuity Group
Attended University of Delaware
Lives in Longmeadow, MA
335 followers|285,675 views
AboutPostsPhotosYouTubeReviews

Stream

Tom Dignazio

Shared publicly  - 
 
 
I would appreciate any media coverage in regards to my complaint below. If you know of anyone that can provide media coverage for my issue, please let me know. Despite it being the “holidays” or “holy days” for some, for others, it is a time of grief; especially when your home is being threatened by your bank for NO LEGITIMATE REASON! If you reshare, please ask people to comment on this main post. My head is spinning with all of the responses.

I am currently having a problem with my bank +Bank of America in regards to my mortgage. Despite NEVER missing a payment, and NEVER being late, I have been placed in their foreclosure department. So how did this all start?  

Two months ago I applied for a home loan modification, based on the HAMP program (Home Affordable Modification Program). This is a program that is supposed to help homeowners who are still paying their mortgage, but need to modify due to changes in income. Bank of America assigned an “account manager” to handle my account; with whom payment arrangements, modifications, and discussions about my mortgage would take place.

From the first time I spoke with her, she referred to my property as being “in foreclosure;” despite never missing a payment. When she has spoken with me, she has had to be repeatedly reminded that I requested a modification of my mortgage, and was NOT in foreclosure. She started each conversation off explaining that the foreclosure proceedings have taken place, and has discussed my “occupation of the property.” 

She also stated that she is the “account manager” in the foreclosure department. After my explanation that I had applied for a modification, and should not be in foreclosure, she placed me on hold (each time), and eventually comes back to the line and say’s that she has seen the notes about my modification and she is part of the “modification department.”

I provided all of the necessary paperwork for a modification almost 2 months ago, and have yet to see any attempt at modifying my mortgage. I spoke with her last week, and was told that the application was not yet submitted to the underwriter, because of the “foreclosure status.” Once again, I had to start over, explaining that I am not in foreclosure, but instead requested a modification of my mortgage.

The very first time that I spoke with her, she was unfamiliar with HAMP, and stated that the best way to modify my mortgage was to stop making payments. This does not seem like legitimate or sound advice, especially coming from the bank that I am making payments to. I believe an attempt at fraud is being made by Bank of America in order to foreclose on my home.

I believe that since I have equity in the property, and because my finances have been laid out according to the HAMP program, delays are taking place to force a foreclosure on my property, rather than a legitimate attempt at modifying my current mortgage.

I have complained and requested that my complaint be escalated, but nothing has been done, after dealing with the same account manager for over 7 weeks. I spoke with Bank of America today, this time, with a different representative, who asked if I had yet to “vacate the property.”

We have made every attempt that we could to modify our mortgage because we are going to keep our home. There is no reason the threat of foreclosure should be used on people that have kept their mortgage in good standing.

This makes NO SENSE, and is really putting a hamper on our attempts at enjoying the holidays. To make it clear, we have NEVER been late, NEVER missed a payment, and NEVER had a problem with the bank PRIOR TO APPLYING FOR A MODIFICATION.

If you are an anti-regulation rightwinger, please refrain from turning this into a heated discussion.

I apologize for misspelling foreclosure on the image. I was a little frustrated when I created it.

#saveourhome
1
1
byron “von” rempel's profile photo
Add a comment...

Tom Dignazio

Shared publicly  - 
 
From my Boston visit over the holiday. 
2
Add a comment...

Tom Dignazio

Shared publicly  - 
 
One more glass photo...



#glass
1
Race Vanderdecken's profile photo
 
Guessing that like Porsche and Corvette drivers Glass users will have the extra cash for tickets.
Add a comment...
In his circles
181 people
Have him in circles
335 people
‫ايفان عصام‬‎'s profile photo
Enoch Mutebi's profile photo
Mylavarapu Venkatanarayana's profile photo
Dennis D. McDonald's profile photo
ashopy azhofie's profile photo
Zest Air Promo - AirAsia Zest's profile photo
Ryan White's profile photo
Becky McGuire's profile photo
Allen Hadden's profile photo

Tom Dignazio

Shared publicly  - 
 
good read
Apple CEO Tim Cook is taking a very public stand on the issue of climate change.
1
1
Shannon Shoffner's profile photo
Add a comment...

Tom Dignazio

Shared publicly  - 
1
Add a comment...

Tom Dignazio

Discussion  - 
 
I thought the last episode was good overall, except for the incredible hacky way they tried to reveal that Ann and the baby are dead. Give me a break -- are we supposed to believe that? It didn't even make sense. Why would they kill them before getting the info they wanted from Tom.
1
Yvonne Zackory's profile photo
 
Of course Anne and the baby aren't dead; that's just more of Karen's crap.
Add a comment...

Tom Dignazio

Shared publicly  - 
1
Add a comment...

Tom Dignazio

Shared publicly  - 
 
Spending a few days in Boston with the misses. 
1
Add a comment...

Tom Dignazio

Shared publicly  - 
 
I love my gadgets as much as the next guy, but I'm going to just put his out there: You look ridiculous with Google Glass on.

#glass #googleglass
1
Add a comment...
People
In his circles
181 people
Have him in circles
335 people
‫ايفان عصام‬‎'s profile photo
Enoch Mutebi's profile photo
Mylavarapu Venkatanarayana's profile photo
Dennis D. McDonald's profile photo
ashopy azhofie's profile photo
Zest Air Promo - AirAsia Zest's profile photo
Ryan White's profile photo
Becky McGuire's profile photo
Allen Hadden's profile photo
Work
Occupation
Consultant
Employment
  • The Life & Annuity Group
    Consultant, 2013 - present
  • MassMutual
    1999 - 2012
  • AIG
    1994 - 1999
Places
Map of the places this user has livedMap of the places this user has livedMap of the places this user has lived
Currently
Longmeadow, MA
Previously
New Jersey - DE, PA, NJ
Story
Tagline
Financial services modernization. New England dad.
Introduction
Interests include: technology, history, politics, and the usual geek stuff.
Education
  • University of Delaware
    Business, 1990 - 1998
Basic Information
Gender
Male
Terrific staff
Quality: Very GoodFacilities: GoodService: Excellent
Public - 2 years ago
reviewed 2 years ago
Food: GoodDecor: GoodService: Very Good
Public - 2 years ago
reviewed 2 years ago
Food: ExcellentDecor: Very GoodService: Excellent
Public - 2 years ago
reviewed 2 years ago
29 reviews
Map
Map
Map
Food: GoodDecor: Very GoodService: Very Good
Public - 2 years ago
reviewed 2 years ago
Food: Very GoodDecor: Very GoodService: Excellent
Public - 2 years ago
reviewed 2 years ago
Appeal: ExcellentFacilities: ExcellentService: Excellent
Public - 2 years ago
reviewed 2 years ago