XXXX XXXX, XXXXIn XX/XX/XXXX we purchased a manufactured home with Bank of America. We did not receive a settlement packet from Bank of America to offer options. Bank of America financed the home with an interest rate of 8.25 %, this interest rate resulted in {$86000.00} in interest. I have researched the interest rate for 1997, the highest housing interest rate during 1997 was 8.06 %, consumer with low credit scores. We paid all of our bills on time and our credit should have been in very good standing. In addition, enclosed is an article where Countrywide Mortgage Company, a company purchased by Bank of America gave XXXX XXXX higher interest rate regardless of their credit rating and referred to XXXX XXXX as " XXXX. '' We strongly believe that Bank of America performed the exact procedure with us as an XXXX XXXX family. We have struggled on a shoe string budget and have paid over {$100000.00} for this home and still owe at least {$38000.00} on a home that is falling apart. The plumbing fixtures, kitchen and bathroom cabinets and carpet were of the lowest quality. The heating and air units lasted about 5 years after we purchased the home. We are currently using portable electric heaters and window units, which results in extremely high electric bills. 
As an XXXX XXXX family in an isolated rural area, we were seeking the American dream of home ownership, we did not realize that we were being taken advantage of by Bank of America at the time of purchase. We believe that based on Race, Bank of America gave us the highest interest rate to purchase a home that clearly was not worth what we are having to pay. We were not treated fairly by Bank America and was told by management that we would receive an settlement packet. 
Bank of America has sold our home to XXXX XXXX XXXX, we did not receive a contract with XXXX XXXX XXXX XXXX, just a letter informing us where to send the payments. 
Desire Outcomes:1. Receive a settlement packet from Bank of America. 
2. For the loan to be extinguished, because we have over paid for this home. 
3. Refund the amount that has been over paid. 
XXXX 
