Cobra,
I went through the same scenario with
CW. Called, accepted into the loan mod program, faxed documents. Called and told they were having delays with faxed documents, call back in 5 days to see if they were received!
Called back and was told I was being denied because I was current on my payments....realized I was calling after hours and speaking with an Indian call center.
Called back during EST business hours and spoke to a rep in California, who "undenied" my account. Faxed paperwork to the same #'s you faxed to...
and received first loan mod package one month later...second loan package one week after that....and am expecting third loan package this week...as per
CW's automated phone message that came last week! All packages so far totally unacceptable due to income hardship. This has been going on since October '08. I sent my information in to NACA last week online and signed up for their Apr 4th workshop in my area (Long Island, NY). March payment will be the first one I cannot send in on time...so I am guessing they will notice me now! If I cannot get a rate of 3% (or less!!) through NACA's intervention....then I will also be riding it out here til the sheriff comes to throw me out!
Hang in there...I just heard a talking head on CNN say these are extraordinary times we are in...worse than the depression of the '30's!!!! So who knows what is going to happen in the coming months.....