Yes!!!- we have been trying since last July to get the HAMP modification. We met all the criteria and they have given us the runaround asking for one more document, saying documents were missing (impossible because it was a PDF file) each time delaying it enough that it went into the next month...requiring yet another round of "documentation" and the cycle keeps going.
We have been turned down 4 times- first time because we made too much, second time because we made too much, third time because we made too little and fourth time because we "proved" that we were able to keep up with the payments. We borrowed money in order to keep from getting behind. We are not late but cannot afford the payments.
Our loans are $600k and the house is worth $390k.
We went through the HOPE program and our "counselor" told us she was going out on medical leave and that it would be a long time before she could help us! REALLY???
In all this time, we only received 1 written denial from the first attempt. We have written a letter to the CA Attorney General that we feel they have been unfair in their treatment.
Our next step is to try and find a reputable attorney to hire in San Jose. This is more money we will have to borrow to pay their fee. We are pretty much at our wits end.
AHMSI has been less than forthcoming in their business practice along with the HOPE program.
We are nearly out f time and our payment just went up.