In February of 2009 I started the process of getting a loan modification because like most of us I had a reduction in pay and planning 6 months in advance knew I was not going to be able to keep up my mortgage payments. I started by filling out Citimortgage’s hardship affidavit and sending them all of the appropriate documentation. What started as a simple process has since become my worst nightmare. First Citibank kept losing my documentation, so I kept resending it. Then after months and months with no word from Citimortgage my... read full review »