We have an ASC/Wells epic saga that has been dragging on for 24 months now. We have been trying to get a mod but have been unsuccesful so far. We have done everything they asked time and time again. We did get approved once when I adjusted our budget to show a small defecit, but the payment they offered was stilll unaffordable. It only reduced our payment by $400 a month and was nowhere near 31% of our income. Our saga began when our payment went up by $1600 a month because of an escrow shortage. They did adjust to draw out the payments over 3 years but it was still unaffordable at $3900 a month. We had the usual job losses, reduced income, medical expenses that most others on these boards have experienced. We tried endlessly for a mod...we tried making home affordable and were denied. We then tried HAMP. We requested the docs over 10 times and never received them. Eventually we were told that we never got them because our investor did not participate. We tried again for a mod from ASC/Wells...until one day we got a call from someone offering HAMP. I nearly exploded with anger wanting to know why we were being offered this now when we were told so many different times before that we were not eligible. She didn't know. I escalated to the office of the president - Susy Young. Sent all my info to her and questioned he several times on whether we were eligible for HAMP or not. She kept giving me vauge answers and saying she was waiting to hear. Finally she said our investor did not participate. Then she called and said we were denied for a mod AGAIN...In the meantime we had registered for mediation with the state of NJ. We went yesterday...what a load of BS!!! When we got there the lawyer told us that Wells could not offer any kind of in-house mod...that the lowest they could go on rate was market, and that they were going to consider us for HAMP! You have got to be kidding me right???? After being told a hundred times that our investor does not particiapte??? Our attorney said to let it go, that it will by us time at the very least. So I did. But I also brought paperwork with me that I downloaded from CTS link. Thank God for this site and you wonderful people for sharing the info about that page. I showed it to our attorney and theirs and told them that other loans in our pool had been modified down to 2 % and extended to 40 years, so either way, I had been lied to. Either by Wells telling me that in house mods could go no lower than market rate, or by them telling me my investor does not participate in HAMP. The only resolution that came out of mediation was an extension of our sale date to Feb 10th and another mediation date on the 8th to follow up... I also found out that I could have probably filed a lawsuit for the escrow amount on our loan papers being misrepresented, but our 3 year statute of limitations was up in November!!!! I filled out HAMP paperwork and sent it in this morning. We will see where this goes, but I bet it will just end up being another round of lies and excuses. My attorney advised contacting my state senators and congressmen, which I will do as well. Hope this info helps somebody else. I will continue to post and update as things develop. Thanks for listening everybody!