Bank of America provided oral instructions by telephone on a recast of my mortgage. I followed the procedure and submitted my letter of intent along with a payment of approximately {$15000.00} to be applied to the principal to complete the recast process and have a lower principal balance on which to calculate my new payment. My check for $ 15,000+ was applied to the principal upon receipt, but I never heard from Bank of America XXXX After repeated phone calls over a one month period, I finally reached someone on the phone who told me that we were denied the recast. There was nothing to be done about the {$15000.00} payment that had been applied to the loan. My payment remains the same. No letter of denial of the recast and no letter of apology for shabby treatment was ever sent to me. 
