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Bogey helps with mortgage problem

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To seek Michael Boguslawski’s help, write a letter that clearly and concisely describes the problem, with your full name, mailing address, daytime phone number and email address, if available. Include the name, address and phone number for the opposing party. Include a statement granting Boguslawski full permission to investigate and handle the case under the Health Insurance Portability and Accountability Act (HIPPA) and related laws.

Boguslawski’s services are free of charge, but only select letters will be chosen for investigation and follow-up. Absolutely no phone calls, please. Letters may be sent to “Bogey,” Daily Press Consumer Advocate, 2645 N.E. 32nd St., Fort Lauderdale, FL 33306.

VICTORVILLE • James L. Grunert, Sr. applied for a Home Affordable Mortgage Plan in November 2010 to lower the interest rate on his existing mortgage.

Bank of America acknowledged receipt of Grunert’s application in December, but asked him to send documents that he had already submitted.

The repeated request for the same documents was one of his many problems. Grunert’s modification plan was finally approved at the end of November 2011.

Almost two years after his initial mortgage application, Grunert contacted Daily Press consumer advocate Michael “Bogey” Boguslawski to help resolve a series of mishaps that brought him to the brink of foreclosure in 2012.

“I was thinking about calling them and just saying I quit,” wrote Grunert, in his Aug. 2 letter to Bogey.

In the modification documents Grunert received in November 2011, the bank erroneously added income to his monthly gross. Grunert promptly pointed out the mistake because the increase would negate his eligibility for the modification.

Grunert made the new, reduced payments starting in Jan. 2012, but refused to sign the inaccurate contract, even after the bank’s repeated insistence. Grunert sought help from members of Congress and consumer bureaus, but to no avail.

In an April 2012 letter, Bank of America’s Crystal Boddie advised Grunert that they had canceled his modification plan, supposedly at his request. Grunert stated he had made no such request. The unresolved problems with the contract remained an issue. When the bank increased his mortgage payments, Grunert struggled but paid the loan.

The bank called Grunert in May 2012 and said that it was granting his request to sell his house in a short sale. Since he was trying to keep his home, Grunert had never asked for the house to be sold. By August, he wrote Bogey for assistance.

Bogey’s Sept. 15 letter to Bank of America CEO Brian Moynihan stated in part, “I believe that you feel Mr. Grunert is just another case file to you. Let me remind you that there is a struggling person attached to that case file.” Bogey asked the bank to make the situation right.

In October 2012, the bank gave Grunert a new loan modification trial period that radically reduced the interest on his mortgage. Assuming timely payments are made, that trial modification should become permanent, according to Bogey.

“I could not have done it without him,” said Grunert of Bogey’s help. “Even the people in Congress didn’t help. I can put food in the cupboards now.”

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