Why are people SOOOO incredibly stupid?

I ask, because I'm on the phone with Bank of America. We used to have our mortgage through Countrywide, but Countrywide went bust (lemme tell ya, they needed to-- they SUCKED) BoA got to take over.

We got a letter in the mail... 3 months ago? It said "You do not have sufficient coverage on your home. Please contact us about this matter immediately." I called THAT DAY. The lovely half-English speaking man I spoke to said ,"Oh ma'am. We made a mistake. Your escrow account did not pay your insurance on time.. It IS taken care of now and we are so sorry."

OooooK. Fine. I called ALFA and checked. Yes. They screwed up, but it was all taken care of, now. *sigh* Fine.

Fast forward about 2 months. I get a bill in the mail (remember that blog? wasn't it FUN?) for $3300. For lender-placed insurance. Because I had chosen to NOT resolve the insurance issue. I immediately called BoA and they told me that our home was required to have wind coverage. I pointed out that this house, in the 10 years I've owned it, has NEVER had wind insurance. They did not care, because the house is required to have wind coverage. Fine. What about the guy I spoke to some WEEKS before? He was mistaken.

*growls*

Fine. We got an advance from Aaron's company and payed ALFA the next day for wind coverage (to the tune of $885). Which sucks. Because it means we have to pay his company back $100 a month that we really don't have. But, whatever. It was better than $3300, right?

Fast forward again, 2 - 3 weeks. We get a letter in the mail from BoA. With our "new house note" complements of the lender placed coverage. It's more than DOUBLE our usual house note. I call them, complaining. I explain that we HAVE wind coverage through ALFA and that they need to speak to my agent. Fine. They do, I assume. I wouldn't know. I got disconnected and when I tried to call back, I was assured it had been taken care of.

So, today, I call ALFA, just to double check things because, as I mentioned, people are stupid. ALFA assures me that they spoke to BoA and all is dandy.

I call BoA because... Well... People are stupid. BoA tells me that all is NOT dandy and that they will be refunding $2000 of the lender placed coverage, but that for the "lapse" I still owe them $1300. Ummm. No. I HAVE wind coverage. And it FOR THE YEAR was less than that.

I'm informed that if I had taken action SOONER, we wouldn't be having this issue. So... The dude I spoke to MONTHS AGO that was a moron-- he wasn't taking action? Of course not! He didn't update my file that I had spoken to him. So... The lovely (sorry, let me wipe the sarcasm spray off of your monitor) woman told me she would happily lower my payments in the meantime down to $$$$ which is over $50 more than our current house note (oh, don't forget the $100 a month we're paying back to hubby's work). No. I want our payments back to what they WERE before BoA screwed up. She informed me that our payments were REALLY over $1500 a month which is well over double what our payment is supposed to be and she was doing me a favor.

A favor? Really? Seems to me like she's just STEALING.

I'm so annoyed that I swear I might go into labor at any second. Seriously. I'm LIVID. And considering a lawyer. Know of any good ones?