| Re: Has anyone else been told their trial period is being extended?
4/21/09 Fannie Mae Announcement 09-05R states on page 16:
Servicers must not conduct foreclosure sales on mortgage loans previously referred to foreclosure or refer new mortgage loans to foreclosure during the 30-day period that the borrower has to submit documents evidencing an intent to accept the Trial Period Plan offer.
I had submitted documents showing HAMP eligibility. It was because of CitiMortgage delay that I was not being sent the Trial Period Offer.
5/4/09 Reach helpful lady at CitiMortgage but unfortunately didn’t think I need to get name or ID number. I asked about my HAMP status from the documentation I had submitted because it had been awhile since my many calls in April. She told me “You were approved for modification on 5/1/09.” She said detailed paperwork would be sent to me. I was thrilled and
emotionally relieved. Too bad the nightmare was only just beginning.
5/11/09 dated letter from Citi which is a duplicate of the letter received on 3/17 thanking me for request for assistance – file forwarded to loss mitigation – process takes about 30 days- will be contacted by “your Specialist”. I assume the letter is generated because of delay or my repeated phone calls to check on the status but somehow didn’t catch that I had already been approved on 5/1 per my phone call on 5/4.
6/10/09 dated letter from Morris/Hardwick/Schneider LLC attorneys in Sandy Springs GA.
“We have been instructed by CitiMortgage Inc., to contact you to review various Loss Mitigation programs …to avoid foreclosure of your property…Our Loss Mitigation Department specializes in helping borrowers avoid foreclosure…” etc.
I first think it’s a scam since I have been working directly I thought with Citi and was waiting for their trial period letter (Fannie Mae Form 3156) per prior letters and was told I was already approved. I call Citi and they confirm the file has been turned over to Morris Hardwick. I was puzzled why, since I had been approved on 5/1 but they said to contact them.
6/10/09 I immediately call Kiel Martyn at Morris/Hardwick/Schneider. He is not available but talk to Joy Roberts or Courtney both are in my handwritten notes. I don’t recall for sure but Joy may have transferred me to Courtney, Or, Joy may have told me Courtney was the processor I don’t recall for sure.I said I was confused since I had been told I was already approved for HAMP. I was told that yes they have all my paperwork, financials, hardship letter etc from Citi. Having read the servicing directives I asked if they needed updated financial information since my prior financial data was now more than 90 days old. She said that everything looked in order, they were behind and I would be contacted by a “processor” in a few weeks or so.
7/14/09 dated letter from Citi “All reasonable efforts afforded you to cure this default have failed…loan has been forwarded to … CR Title to begin foreclosure proceedings.” | 
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