We own a home in XXXX XXXX XXXX, FL. It is valued at around $ 550K We took out a HELOC with Bank XXXX it was an interest only loan. When BBT took over Bank XXXX we were at a balance of {$240000.00} we were contacted by BBT and told, " they do not service that type of loan '', " we would be put on a 15 year payout with a 3 year balloon '' " 6.875 % interest '' " that 's the best we can do ''. It was far above what we were comfortable with and we communicated that. We tried to wrap our XXXX and XXXX mortgages together and make it more manageable but do to the low value housing market in our area in XXXX and the balance of the XXXX mortgages we would have had to come up with {$50000.00} to close. We did n't have the money to do that and so we accepted the exorbitant terms. We have remained current for the last three years and paid down close to $ 40K. I contacted XXXX XXXX with BBT XXXX XXXX business lending around XXXX XXXX, XXXX knowing we were set to term on XXXX XXXX. I told her our situation and that the terms of the loan were creating a hardship and we 'd like to combine XXXX mortgages of {$360000.00} and that we had an excellent tenant covering what the combined mortgage would be saving us close to {$3000.00} per month on a 15 year loan. I turned in our financials to XXXX with the exception of XXXX since we are on extension. Although I had our XXXX income compiled I did not have the rest of the accounting done. XXXX said we would not be able to proceed without it. At that point I decided to move over to the residential side and attempt running the loan through that department. Because of new restrictions I was told we would most likely not qualify. That department was also needing our XXXX business accounting complete which we have not completed and are on an extension. So, we decided to let the loan roll on and continue to struggle making the {$2800.00} payment. It is now XXXX XXXX and I have received in todays mail a maturity statement stating {$200000.00} is 10 days past due. We feel we have been unfairly treated since they took over the loan from Bank XXXX. It seems as though their aim is to bring us to financial ruin. Even if they did n't want to combine and add the XXXX mortgage on, why will they not give us reasonable repayment terms? We have never missed a payment. While it 's true we 've been adversely affected in the last few years with less business income we have continued to adjust as needed to meet all of our obligations. We would like to know our rights and our recourse against this seemingly impossible situation. We would also like to request that the original terms of our Bank XXXX loan documents be compared to the new BBT loan documents we had no choice to sign to see if there were any inconsistencies or mishandling in regards to the transfer of the loan. 
