Bank forecloses, locks out woman in middle of loan modification - FOX 10 News |

Bank forecloses, locks out woman in middle of loan modification

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It's David versus Goliath. A valley woman is taking on Bank of America and Fannie Mae, saying they foreclosed on her home while she was in the middle of a loan modification.

And making matters worse, the bank foreclosed while she was in Germany, visiting her son in a military hospital.

Before she got on the plane to go out of the country, she says she made sure everything was ok.

The bank knew she was going be gone -- but then a few days after she left, they foreclosed on her.

"Everything was empty. Everything. Upstairs, downstairs everything was empty," says Lilly Washington.

Washington was stunned when she returned home and found a "for sale" sign in her yard. She managed to get back into the home and immediately started making calls.

"I said 'where did you put my stuff from the house. Which storage.' They said, 'we don't put in storage, it is at the city dump.'"

Washington had just returned from visiting her wounded son in Germany. She was gone for a month and half. Her son's Purple Heart was thrown away too.

"I said, my gosh how can you take that. He is fighting for this country. And you steal from his home, everything," says Washington.

Before she left, she alerted her mortgage servicer, Bank of America, and received this letter stating they were aware of her trip and: "will await your return so that we can finish the loan modification process."

But when she returned, the bank had already foreclosed and Fannie Mae took ownership of the west Phoenix home.

"They don't let me know before I leave to my son what they plan to do? They don't tell me anything about a trustee sale."

Washington's church helped her refurnish the home.

She's has been fighting to get her house back for nearly two years now.

Washington is suing and the case is making its way through federal court. Washington is representing herself.

She says all she wants is ownership of her home and compensation for all of her thrown out belongings. She wasn't able to recover any of it.

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