[famlena]

i thought the show was over for me since i got a denial letter for my perm mod last thursday. i've already made 5 trial pymnts and was denied due to "insufficient income". today, my negotiator informed me that they have re-opened my file because they did not include rent that i receive from my brother as my income. my brother has moved in with us for the past 2 years and have been helping us with the mortgage payment. she said she will call me in a couple of days.

meanwhile, this evening the 2nd mortgage HELOC who gave me the NOD in August told me that they wanted to put me on a 3 month trial. after the 3 months i will get my perm mod. they will send me a package and put everything in writing. that just blew my mind because i've been on the trial for 5 months already. what the h*ll is he talking about!

he explained to me that the 1st and 2nd are completely different even though both loans are owned by chase. he said that the 1st can not mod the 2nd. they have completely diff systems. the funny thing was that a few months ago the girl in his dept referred me back to the 1st saying that the negotiator was working both loans.

i guess this is more bs from chase trying to squeeze more money from me. unbelievable!!! i'm too tired of this bs...i'm done with them.