My mortgage was transferred from Countrywide to Bank of America. Just before the end of the year I talked with BofA about alternatives for financial hardship. I was sent the paper work for Making Home Affordable over a month ago and returned it. I qualify on basically all levels. Having not heard anything in a month I call BofA spent the better part of 3 hours back and forth while being told no one could find my paperwork. My ultimate complaint is that I spoke with a service rep name Ingrid who was basically nasty and spoke to me as if she was reprimanding a child. Lastly I was told to wait for a call within 48 hours. read full review »