I have had the same experience as everyone else, multiple calls to them, waiting, and different answers each time, lies, wrong info,faxing etc..in April I shot them a payment above what I normally was paying because I was technically 4 months behind, I was trying to stay out of the forclosure process. However, they placed it in unapplied funds and did not credit me anywhere on my account (I would have been better off to keep it).
In hindsight what happened was I was waiting for "them" to put me in a program but they really didn't (although each time I called they said I was and I should wait). In April I read the guidelines of the Obama Plan, did the basic math and called saying I wanted the "Home Modicication Program", and that I qualified.I also called Freddie Mac direct and spoke with a rep explaining how I had the ability to save my home but Citi was in the way by not putting me in the program, how I met the criteria, and they were holding my money causing the forclosure process to move forward, and if they wanted my house they could have it, GOOD LUCK! He assured me he could help and typed while I gave specifics and he shot an email to Citi. I waited. Citi did not call but I called them when the Freddie Mac said to check only to find out they HAD enrolled me (I believe due to the email) but no one had actually called or sent anything, etc...like everyone else. They wanted a payment that was "due" 2 weeks before i called but said I had 30 days from due date. At this point it all made little sense and I was hesitant to send more money (for one thing I didn't have the money) and it was basically "trust us". Over the next month or so many calls & they had (without my request, not really certain who or why) moved my trial start date from May to June and later Freddie Mac apparently moved it to July(I have called Freddie three times,only when things were really screwed up). I have made my first payment in June so that got applied to July (that alone took 3 phone calls and about 2 hours of time) but after the first payment was made (in good faith) they sent me a packet outlining the TRIAL period. It took about 10 days after the first TRIAL payment to get the trial period papers, this is Not how the government set this program up but who is policing how the mortgage companies are complying with the guidelines and what consequences are there? None, I'm sure.
So, what I see on this blog and have experienced myself is that you get "pre-approved" eventually on the phone and go into the HAM system, which is an automatically calculated figure based on income & expenses. They give you a payment you must make without any documentation, then about 10 days later they send you Trial Pack and then...??..we all seem to be int the same time spot, because we were all have enrolled in April.
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Has anyone passed the three month trial? 
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