karmic-tsunami:   a Banker's Nightmare
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      • 1) Basic Vocabulary
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      • 3) Pure HELOC vs Derivative HELOC
      • 4) My BofA HELOC - it's a Derivative, as are all others...
      • 5) Current BofA HELOCs - A Derivative in plain view, as are all others...
      • 6) A flow chart - From Pure Product to Karmic Tsunami
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    • HELOC Crisis Reporting

BofA Crisis>Supporting Documentation
BofA Documents

Three documents below

8/4/2014 - First notice of HELOC Reset Sept 27, 2015.  My 900/mo interest only payment was to adjust to 2618/mo interest and "collateral".  Only options presented were to pay off balance or repay during repayment period.  No renewal option was offered (and ironically, no refi option was offered, when in fact they were originating new HELOCs)

4/13/2015 - Second notice of HELOC Reset.  An additional option was added. I could apply for a 
repayment period extension that would drop my salacious increase from 2618/mo to 1952/mo.

6/16/2015 - The written notice DENYING me the payment reduction because I was too HIGH of a risk.  (insanity in motion via the US Mail)
bofahelocnotice20140804redactedlocked.pdf
File Size: 213 kb
File Type: pdf
Download File

bofahelocnotice20150413redactedlocked.pdf
File Size: 216 kb
File Type: pdf
Download File

bofahelocnotice20150616redactedlocked.pdf
File Size: 241 kb
File Type: pdf
Download File

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  • Home
  • This Situation
    • 1) BofA Experience and The Full Banking Story in Brief - 3 pages
    • 2) How Important is Banking?
    • 3) The US FED - A "Private Corporation" - BAD NEWS!
    • -- US Banking Historical Quotes
    • -- US Banking History
    • -- US Banking Videos
    • 4) Your Beliefs
    • 5) Message to All
    • 6) QUEUE THE MUSIC PLEASE....
  • B-of-A Crisis
    • BofA Crisis - 4 page synopsis
    • BofA Execs - Direct Involvement By Name
    • BofA Corporate Leaders by Name - Responsible Parties
    • Email Strings >
      • Email Strings - Pre Execs
      • Email String - BofA Execs
      • Email Strings - BofA Legal (START HERE, you can work backwards later...)
      • Gmail Originals
    • Supporting Documentation >
      • BofA Documents
      • THE Program Guidelines they will NOT put in writing >
        • THE Program Guidelines They will NOT put in writing (aka Detonator Switch)
        • This was never about qualifying anyone. Let me show you how to confirm that...
      • Deviant Behavior Analyses >
        • Which Roads Are Being Taken w/ Resets
        • Deviance Scorecard
        • BofA vs PNC Reset Comparison
        • Gorging - 3 steps
        • BofA Current Website - "vocab issues"
        • The skinny on Renewals - a stream of consciousness example
      • My Experience - Other Versions >
        • Full Chronology
        • HELOC ABCs and My Experience in 5 pages
        • In Legalese
      • Risk vs Reward Theory
    • Contact BofA Legal and Execs !
  • Industry Wide Collusion
    • Industry Wide Collusion - 6 page synopsis
    • Supporting Documentation >
      • 1) Basic Vocabulary
      • 2) Pure HELOC vs Pure Mortgage
      • 3) Pure HELOC vs Derivative HELOC
      • 4) My BofA HELOC - it's a Derivative, as are all others...
      • 5) Current BofA HELOCs - A Derivative in plain view, as are all others...
      • 6) A flow chart - From Pure Product to Karmic Tsunami
  • It's your move...
    • BofA? >
      • Tough Questions
      • 1) I'll play arm chair QB for you...
      • 2) Questions Investors, Board, CEO, CFO and others should be asking themselves...
      • 3) Current Situation - General Analysis
      • 4) Current Situation - National Stakeholder Analysis
      • 5) Your options?
      • 6) My PlayCall Suggestion...
    • US Banking Industry? >
      • The Tough Questions...
      • Moving Forward
    • Government? >
      • The Tough Questions...
      • Moving Forward
    • Other? >
      • Cabal et al - Tough Questions
    • Society? >
      • The Tough Questions...
  • More...
    • About
    • HELOC Crisis Reporting