I have been unable to make my mortgage payment since May. I have been in contact with Citimortgage for over three months now trying to get a loan modification. Each time I speak with them I hear the same story, "we are working on a plan for you..." (I'm paraphrasing here, but you get the idea...) So here we are, now another month gone by, with no loan modification plan ever presented to me, and Citimortgage has allowed my escrow to be eaten alive by my PMI insurance, and now there is still some money in my escrow, but not... read full review »