Can someone please help me? After fighting with WAMU since 2008 and then Chase since 2009 for a permanent modification, I finally got what was supposed to be a permanent HAMP mod in May of 2011. Chase then pulled a bait and switch and gave me a permanent CHAMP modification. I had just lost my job so I could not really make any waves. So I took the CHAMP back in May 2011, and now yesterday, 2/8/12, I received a Fed Ex modification package again from Chase for a permanent HAMP modification. What the hell is going on? Chase claimed that I was denied for the HAMP modification in March 2011 which is not true because the treasury had audited my file and it was approved. Yes, I know it is ultimately up to the servicer to decide if I get the HAMP or not, but I met all of the terms of the trial period, and I know that I was approved. The thing is, Chase is backdating all documents for the permanent HAMP modification to May 2011 when the CHAMP mod began. I smell a rat. Please, can someone reply back and give me advise? I am thinking I should just stick with the CHAMP only because my payments are lower than the HAMP. If I take the HAMP, does that mean I am eligible for principal reduction sometime in the future? Also I thought those approved for the HAMP at some point receive monetary incentives for making payment on time? If so, if Chase is backdating documents then how do I get my incentives for paying on time?
Any information or advise would be much appreciated! Thank you!