[snapple candy]

MW87,
Sounds like Chase just did a verbal over the phone with you. If you were on the official trial mod program, you should have got the paperwork and contract. Did you fax in MHA program application? Your problem is that you werent late I imagine. If you poke around some of the other threads, there are others whom are current that have found ways to get around this. You are going to have to got thru another 3 mth trial but you need contracts. I dont think there is any way around this based on what I know how this works. I dont think paying the escrow will help you. You never had a contract set up and that is what you need. I highly doubt they can achieve backtracking on this and re-figuring the escrow amounts into the payment. I think it would be unrealistic to think they can do this. I may be wrong but dont think so. If you want the Obama MHA program, you have to get the proper paperwork to sign before you start the 3 mth trial. I have been working at this a year an donly just got mine 1 mth ago. Good luck. You'll find alot of help here.(you may have to be late 1 payment to get this to work.)