I'll keep this simple. I always paid my mortgage on time. I had Countrywide. BOA took over. I had a death in the family in December and other craziness going on. I somehow missed paying my mortgage for the first time in my life of being a homeowner. THEY DID NOT LEAVE ME ONE VOICEMAIL MESSAGE. (I had a lot of 800 calls that I did not answer as I thought it was sales calls--and no one left a message which a rep told me was not usual) I also did not get an email reminder either. As a result, they sent me a letter which was received early in... read full review »