Illegal Double Pick A Pays And Negative Amortization

My folks are elderly and disabled. Not only did BankUnited do ONE pick-a-pay where the lowest payment does not cover interest (ie: negative amortization) but then after only a year of paying only the minimum (non-interest covering payment) they put them into ANOTHER Pick-a-Pay with even more negative amortization. "Caveat Emptor" is no where near the text nor meaning of this countries Banking Regulations. Please read the HOEPA ( Home Ownership and Equity Protection Act )... If this is how they did business up until their bankruptcy, expect the FDIC to be eating alot more losses, and that new private bank to be keeping all the illiicit gains