I had applied for the HAMP thru Wells Fargo / ASC. I got an approval letter stating my 4 month trial payments. I have paid my 4 months of trial payments and the day after the last payment I got a call from Wells Fargo /ASC demanding the full past due amount stating I was denied. I was never informed of this and after 4 months of taking my trial amount no one ever said a word about this. I made 4 months of payments, and had over a dozen phone conversations with the lender checking on the loan and not a word of the denial after the approval letter and trial payments.