Hello to all my fellow loansafe family. Once again, I am back for your help. I currently have Chase as my bank for my first loan and Wamu for the second (which was used to purchase the home) I did a loan mod last year with the first and now I am trying to file for the hamp program with this loan. I haven't paid the second in over a year because when I tried to do a mod with them, they gave me the run around. I sent in my paper work twice only to be told that they never received it so I wasn't qualified. I was told by the home preservation department that according to the information I gave them, it looked like I was qualified for the hamp program. I sent them all my paperwork and because of the extrodinary knowledge that I have gained from this site, I have stayed in contact with them at least twice a week. Each time I called them, they would say that I needed this and I needed that which I promptly sent. As of yesterday, they said that they have it all and that I should be receiving a call from someone on the 8th, which is Thursday. I didn't make the February, March or April payment. Does anyone know if this will affect me being approved for this program. Has anyone not made a payment and been approved? Thank you and best of luck to all of you who are suffering with these banks.