Update: After registering a formal complaint about my loan modification experience (still going on for 18 months now) with my representative, Lois Capps, I am still getting the run around with JPMorgan Chase. I am still in the "review" process and they once again asked for more documentation "to go to underwirting." It is the exact same story line I have been in since January 2009 when I first filed my application. I am still in the "3 Month Trial Period" created by JPMorgan Chase.
I suggest to anyone who reads this is to write your local congress person, representative, and register a formal complaint about the conduct of your bank of which you are in loan modification "application" stage. Keep a clear log of all conversations and document everything. Ask for the names of each customer service representative you talk to. Send copies of all your status to the media. Because somehow and someway this treatment we are given by the banks and JPMorgan Chase will be heard. I want and need this loan modification. I won't give up. Someday all of this unfair, unreasonable and clearly intentional behavior from JPMorgan Chase will come out and they will have to be accountable. They created this financial mess by very bold financial set up, and our country is suffering through the obvious plan for the banks to undermine any type of help to recover the financial woes of this recession. And all along they were bailed out. It's so demoralizing to see and feel this.
Keep writing. Be clear and carry on.
May we all flourish.
Santa Barbara, CA