I too have been thru 9 + months of trying to get a loan modification and had the same experience, lost financial info or continuous requests for financials, refusal to accept payment, demand letters all after an initial 3 trial of 3 mos completed successfully. I contacted the Hope Hotline ( who I was referred to when I contacted TARP to report a loan modification fraud) tel 888-995-4673. They initially told me the modification was to have been done by 6 mos and the amount was not to exceed 31% of my income...'they were not in... read full review »