Homeowner lost her job and couldnt pay mortgage for a few months. A servicer suggested that a mortgage modification is available if payments are made. The homeowner made the payments to the servicer, but the modification never occurred and now is at risk for foreclosure.
I am not sure that there is a case here. You owed the payments anyway and made them. So, damages are an issue. However, if a representation was made in writing and not honored, you can report to state banking department. If it was oral, forget it.
Have you appealed the decision? When did you apply? What is your current interest rate?
There are a lot of factors that go into a loan modification. Just because you didn't qualify 6 months ago, doesn't mean you won't qualify now.
