So, you've heard it all when it comes to the foreclosure fiasco. All the botched foreclosures, the missing files, the simultaneous foreclosure and modification efforts and the robo-signers. How about the homeonwer? How about the couple that tried to "foreclose" on a bank and seize a branch?

But here's one thing you probably haven't yet heard: Stacy Wilson of Plumas Lake, California, seriously considered entering the government's Home Affordable Modification Program (HAMP) in April 2010 after his salary was cut. But according to the Huffington Post, he read the fine print and understandably decided to pass on the program. He explained all this to a Bank of America employee, who responded, "I completely understand your position and I wish you the very best. If there is anything you need in the future, please advise."

Wilson though that was the end of it. He resumed making his normal mortgage payment. But then he got a notice saying he was enrolled in HAMP and that he could pay $200 less per month. He couldn't seem to get out the program, despite efforts that stretched over many months.

He emailed the Huffington Post: "Each month I would call BOA asking that the situation be corrected. Each time I was told that the problem would be corrected. Now, this month I received my loan statement saying that there was a past due amount of $2,216.72, with a late charge of $78.50."

But the ending here is happy one. Wilson got a phone call this week from a bank executive who said the situation would be corrected immediately and that he would receive a new statement within a week. Obviously, there was a clerical-type mistake.

For more:
- here's the article

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