You knew when the auction date was, that's you're notice. The bank has to publish in a newspaper for 3wks the date of your auction, that is your notice.
Why are you letting it get this far? Why don't you just call me & I can handle a short sale for you, this will buy you more time in the home & you could probably be there through the holidays. They're not going to give you a loan modification, if they were going to do that, they WOULD NOT BE POSTING AUCTION DATES.
Shoot me an email directly if you would like to talk about this further. I don't look back on this same Trulia posting for answers after mine.
Emily S. Knell
Realtor Since 1996
Realty ONE Group
100% short sale success ratio
& I can Prove it
And your question; "do they have to give me...."
NO, the Bank doesn't HAVE to give you anything; they are omnipotent.
They could have postponed it because of something YOU did.
Or they could have postponed it because they wanted to.