I had some health issues last fall and had to have two major surgeries. One in November before the holidays and one in January. I also have three kids and a rising interest rate. I found it hard to pay my mortgage while off but did. It was generally late so of course they tacked the fee's on and in Feb. 2011 I made a payment while off work recovering and in March it didn't refelct the payment.

It showed the payment on my bank statement and I called them and they basically said I never made the payment and repeatedly said I was lying and asked me to fax over the statement I faxed this thing so many times I was about to just pack up and move out but I finally got crazy on the phone and asked for a supervisor and he eventually corrected it but not the late fee's and the credit report where they claimed I didn't pay. This took from Feb. till May. Then since my mortgage was about tripple and I had all these medical problems and medical bills to pay I applied for the making homes affordable program.

Let me tell you this was the biggest bunch of fraud I've ever seen in all my 34 years. I faxed this paperwork and mailed over a dozen times from May till August and everytime something was always missing so they said. I finally got a lady to give me her e-mail address and they couldn't except it from her because she wasn't assigned to my case. So now they say I've passed the deadline even though they have all the documents now. They said I may qaulify for a regular modification which will still suck as they always include escrow and in it they require insurance of their choice and the payment will not be lowered by much I'm sure.

My house payment was 415.00 when I bought it through my home town bank and then refinanced it and borrowed 5,000 to pay off some bills and now my payment is 840.00 a month. Can you imagine and it just keeps climbing. I'm thinking of getting a lawyer and filing a suit. Why can't we since the Govt. is? 38c2eef