[azdmsmith]

I hope you find some support from your elected officials. I read that in the meetings last week in Washington, one of the issues discussed was developing an automatic “second look” process by which any borrower that is denied a HAMP will go through a second review process to make sure the denial is legitimate. Considering no one even seems to be able to get the first review done consistently and in accordance with guidelines who knows how long it will take to develop an effective “second look” process, but we can hope.

I would also strongly suggest you file a Better Business Bureau complaint. For me that seemed to get some attention and it at least requires that Chase respond. They responded in writing with reasons for my denial that were completely bogus, but at least I had something in writing. When I pointed out (through a BBB response) that the reasons were completely bogus and violated the HAMP guidelines, my file started moving forward and a different exec resolution person called me (the first two I worked with were clueless) “in response to my BBB complaint”. I still don’t have approval, but in the absence of any formal appeal or complaint process, I think my file at least got some attention due to my BBB complaint. There are categories that you can select for the basis of your complaint when you file it on line. I think I used poor customer service which seems applicable to your situation as well given the failure to provide you with documents and confirmation.
If nothing else the BBB is at least an option that won’t cost you anything and will force someone to give your situation some attention. Best of luck to you. I hope one way or another something comes through for you. Don’t give up.