My question involves collection proceedings in the State of: Florida
in 2011 I obtained financing from Colonial Bank for a vacant lot purchase. I was not qualified for the loan. My income was low compared to total debt. I was almost certain of rejection because I had recently financed another lot in the same area. Before I could withdraw my offer on the second lot, the offer was accepted. I had to go through the process of applying for the loan so that I could be released from the contract on the contingency of failing to obtain financing. Colonial Bank processed the loan anyway. I believe the loan officer overstated my income after I filled in the loan application.
Colonial Bank's Warehouse Lending Division caused the failure of Colonial Bank due to 1.4 billion in fraud. Lee Bentley Farkas, the former chairman was convicted on 14 counts of fraud and sentenced to 30 years in prison. Six other employees were sentenced to prison terms of varying duration.
Branch Banking and Trust (BB&T) took over Colonial Bank. At that time I was no longer able to manage the mortgage payments. I attempted to work with Colonial Bank but was constantly stood up for appointments and received no response from my inquiries. Finally I was referred to a BB&T employee who instructed me to fill out a "hardship" form but no one responded. BB&T foreclosed on the property and obtained a judgement. I have made several attempts to work out a settlement over the years but got no response.
I thought the matter was dropped but recently BB&T's attorney froze my bank account. I am now living on Social Security and 13K of additional income.
Am I a victim of predatory lending? Is there any recourse?

