Bank of america tries to foreclose on a seabrook house that isn’t there

How was Seabrook homeowner Brad Gana able to wriggle out of foreclosure proceedings on his home at the last minute? By hiring a lawyer to argue that his house does not exist. And indeed, the visual evidence is compelling: All that’s left of Gana’s waterfront structure at 1910 Todville Rd., which apparently washed away 3 years ago during Hurricane Ike while Gana was working overseas, is an empty slab, protected by a front gate and littered until recently with a few of Gana’s tools and collectibles. (After the proceedings were canceled, KPRC’s Amy Davis reports, Bank of America had those items removed from the property.)

But evidence that the house did still exist must have been compelling to Bank of America officials, because sometime after the hurricane, the lender took out a forced homeowner’s insurance policy on it. When premiums for that policy went up, the bank foreclosed. Gana claims he was never notified of the payment Change, and says he always paid his mortgage on time; he found out about the foreclosure only 2 days before his house was scheduled to be sold. A bank representative tells Davis the insurance had been “incorrectly placed.”

Also destroyed in Hurricane Ike: the mailbox on the property where Bank of America says it kept sending Gana notices about his mortgage. For some reason, they kept getting returned to the bank. Gana tells Davis he had provided the bank with an email address and 2 phone numbers where he could be reached overseas; a bank rep says they’ll now use that info to contact Gana and “work with him directly to address his concerns.”

Source: Swamplot.com