I have a mortgage restructure though BofA because of the federal DOJ restructure order because BofA got convicted of Mortgage fraud. One of the conditions of that is that the house must be lived in by a select group of people ( me ) and the house is not habitable due to extreme mold/water damage. The bank has made offers of programs and then not followed through and when I try to contact them, they transfer me to every department and I spend hours on the phone each time. The offers where to 1. use the special hazardous claims department to up to the amount of the principle on the mortgage to either pay off the loan or to use that funding to replace/fix the home. 2. to pay for the home to be fixed/replaced and put the amount at the end of the loan at the DOJ restructure payment amount and principle amount ( extend the loan time frame ). they were suppose to have a mediator contact me again on XX/XX/XXXX ... they have once again missed their scheduled time frame and when I try to call them they do n't return my calls ... this type of behavior I call them they transfer me all around to people that have no clue and then make appointments they do n't keep, they schedule call times and do n't keep them so I end up waiting all day for them to call, I call them after they miss their scheduled appointments has been going on for years. At this point instead of dealing with what they agreed to do they have instead turned the account over to foreclosure and have stopped contacting me even when they make the appointments for them to call me. I am trying to work with them. I have filed a DOJ complaint but even that, the Bank makes appointments ( XX/XX/XXXX ) and does not keep them and when I try to call and leave messages for them they do n't call me back. 
