Okay here's my story. I first put my modification application in December 2008. I was told my app was received and to wait 30-45 days. This is what happened....I called the collections department about 30 days after I sent my modification app just to let them know I was working with the homeowner's assistance department so they know I was not ignoring their calls. Well the guy who answered ended setting me up on a repayment plan for thousands of dollars due within a span of one month. I received the repayment documents in the mail and freaked out. I called the homeowner's assistance department and she told me the name of the guy that set me up on that repayment plan and said since "I AGREED" to it, I was no longer in the assistance department. She took my financials again and said I don't qualify! The only guess I have, is that maybe the collections department reps get some kinda kudos or incentive for repayments and that's why he did that. Anyway discouraged and upset, I decided to go to Chase website and put another app in. I also did an assistance online session on Homeownership Preservation Foundation. Well the Hope folks got back to me and gave me a direct Chase fax number that they partner with. I faxed everything they asked which was just hardship letter and last 2 check stubs. I decided to call Chase again and alert them that I had resubmitted everything. The girl apologized for the other rep telling me I didn't qualify and did more research to find my file and expedited it. I was then assigned to my analyst a couple of days later. This was Feb 4th. Every since then, I had been calling her and leaving messages but she never called me back. In the interim, I recieved a letter from the Chase Homeowner's Preservation department (this was based on the 995hope fax). The request from the Preservation department specifically asks what your analyst name, phone, and date you sent in your request. My analyst still was not returning my calls so I decided to do what I needed to do. I faxed in my hardship letter, last 2 check stubs, financial statement, and info on my analyst to the preservation department BUT I also faxed a copy of everything to my analyst so that she knew I was going over her head! I swear less than 48 hours later I recieved a call from my analyst that the modification was approved and she had the terms.
So if you haven't heard the status, try what I did...it can't hurt! Contact 995 hope and do the session. Get your analyst fax number since they never return calls and communicate by fax!
I kept record of every call I made to her and everyone else and sent that over to the preservation department. Now I am just waiting on the mod docs to be fedex'd to me. They lowered by interest rate almost 2 points. So if your analyst is taking a long time, look at it as a blessing because you are able to save more money so you can get back on your feet!