I have never been late or missed a payment on my mortgage. In April of this year I filed the paperwork for a loan modification. This was denied almost immediately. I continued to pay my payment each month. Then in September I recieved a letter that they were going to put me on a "temporary" loan modification for 3 months. I paid the next 2 "new lower" payments on time and in full. Mid way thur November I recieved a notice of default. I have been getting the run around from them but the best I can figure is thet the... read full review »