[snapple candy]

Calli,
Ok to rant. This is the place to do it. My hours were cut this week and the business may go under in the near future so I know where you are at. I know you are trying to do the right thing and protect your credit score. I am just not so sure any of us can achieve that in this mess. Chase/WAMU is getting 3000 loan mods a day. DO you really think 100 at a new call center can effectively handle that? Doesnt even sound like they are even competent. Sounds like someone at Chase didnt process you contract (language) thoroughly and now they are trying to back track to cover issues of back payments. What does mod papers say that you just signed and sent in? If someone overlooked that detail in the contract and forgot to address the delinquent amounts in it....??? Also did they process and cash the payment you sent in? I would go over that contract with fine tooth comb and if it doesnt call for those delinquent payments and do not address how trial payments were to be applied, I'd tell to take a flying.....well you know what I mean. Use their incompetence against them if that is what in fact is occuring.
I have been sleeping this past week and watching tv in the middle of the night. I saw this am that Govt has given 9.9 million of new monies to deal with housing crisis to Chase, Citi, and wells fargo. Then another report says that Chases 1st quarter profits are up! Go figure. Just more of the same.