Hello I am one of the ones I have been ripp off too I started the program on 10-02-08, I have been through numerous representatives that were handleling my case I had called them several times and they were saying you need to submit more paper work and repetetively asking me for the same information again I would fax all the paper work and then at first they said I was turned down by Countrywide that they wouldn't negotiate a lower mortgage payment, when I called Countrywide they said apply2save never contacted them I called back to... read full review »