My name is Penelope Zeller. Bank of America alleges they own (or owned) my mortgage. There is no substantive evidence they ever had legal rights to my property.  

The issues began in 2007 when I thought I was refinancing my mortgage with Countrywide Home Loans.  The story is long, tedious and rife with diversionary tactics, lost files, non-response, and slick offers to distract me from the fact that Countrywide (and later Bank of America) had no clear and legal rights to my property.  If the mortgage was legitimate, they would have proven it when asked over these past years.  

Bottom Line: I contend that my home has been used to enrich a company who cannot produce proof they own the rights to it and therefore have no right to sell my home to investors…… 

 …..Unless I abandon the property. If I allow myself to be forced out, or the home succeeds in going to foreclosure sale, then Bank of America (or whomever they sell the “investment” to) can jump my claim.  

I am 60 years of age, have my life invested in this home and in my community. My fruit trees and gardens are finally maturing and many thousands of dollars already invested.  I am too far into it and too old to roll over and have it stolen from me. Sign this petition to help me save my home.

Fast Forward to 2013   After many years of being threatened and worn down by relentless deceptive practices, I agreed to a short sale in early 2013 just to stop the sheer madness of the situation.   

In the midst of trying to obtain a closing date; rather than close on the short sale, BofA filed a claim with FHA while assuring the Short sale Realtor and negotiator that her ‘deal was on track’.  BofA apparently got paid and the mortgage has transferred to a new investor (Venture’s Trust 2013 and a new servicer, Servis One, dba BSI Financial, Inc). The representative at BSI Financial instructed the Realtor to list a new short sale at a price $130,000+ more than an appraisal less than 8 months old.  The high price demand suggests that the new servicer may not want a short sale to complete either.

This action lends support to our belief that BofA could not provide clear title to execute the short sale to a retail buyer.  Instead, I believe they simply pulled off what Countrywide did to them; shifting an invalid set of documents on the pretense of ownership. 

If the deed / title is clouded, and with this new information, I want control of my home.  No more games, no more broken promises.  It is time to stop using my home to profit on Wall Street.

Colorado is a Public Trustee State; I have little recourse unless you step up and demand justice for me.

Please sign this petition.  Then, ask everyone you know to sign too.  Thank you in advance for your support.