CitiMortgage WARNING RE FORECLOSURE & MODIFICATION, PLEASE READ! Des Moines, Iowa

In 2008 I declared Bankruptcy, but tried to keep my house.  I applied in Sept, 2009 for HAMP and was told on the phone by CitiMortgage that I qualified.  I was told that they would deduct $266 from my monthly payment.  If I paid on time for 3 months, I was automatically accepted into the progam.  Each month my payment was on time.  At the end of the 3rd month, I called to ask when I would be receiving my acceptance letter in the mail.  All I ever received was the initial package where they wanted my financial information.  I was told that it would take some time, as they had so many applications.  At the end of every month I called.  At the end of the 9th month, I was told I would be receiving a letter.  I was so happy!  The letter I received was a letter of Intent to Foreclose.  I was so upset!  I called Citi and was told to disregard that letter.  It was on a Friday.  All weekend I thought about it and first thing Monday morning I called.  I was told NOT to disregard that letter.  I must tell you that it was signed by someone named Ranger.........a robo signer, but I didn't know it then.  I was told to pay the $2426 that they wanted, which was the difference between what they told me to pay and my original payment for the 9 months.  Then I had to go back to my original payment.  But they told me I was accepted into the HAMP program.  No answer as to if I was accepted or not.  I borrowed the money to keep out of Foreclosure and the next month made my regular payment.  I couldn't afford it, so I had an attorney notify Citi that I would be leaving the home.  He offered a Deed in Lieu of Foreclosure, but Citi never answered him.  So the house sat empty.  I had put it on the market for what I owed on it, but I was underwater.  Nobody even came to look at it.  Citi took me to court to Foreclose, yet they never Foreclosed.  My real estate agent lowered the price hoping to do a Short Sale.  We lost about 6 contracts because Citi never replied and the people got tired of waiting.  FInally I obtained a new lawyer who specializes in Short Sales.  The house was being shown and my agent saw that there was storm damage.  We had a bad storm in Sept, 2011 and ceilings were damaged.  I still had my homeowners insurance paid through my escrow account, so I called to see if the ceilings could be repaired.  Yes, the insurance company issued a check to CitiMortgage and myself to cover the repairs, less $500 deductible.  My agent had a contractor ready to repair the damage.  Citi refused to endorse the check.  They would use the check toward my arrearages.  But, isn't that insurance fraud?  I called the NJ Insurance and Banking Commision.  It seems that yes, they can use that check for arrearages.  So.......the house sits vacant.......people come to look at it, but it's in an adult community and people 55 and over don't want to have to fix ceilings.  One gentleman is under contract to buy it now.  Citi won't accept his offer.  My agent is working with his agent to try and work something out.  In the meantime, an agent wanted to show the house 2 weeks ago and when he got to the property, the lock box had been removed and a combination box put on.  Nobody seems to know who put it on or where my agent's lock box is.  So, the house sits vacant.  Who knows if mold has started to grow where there was water damage.  Does Citi not have to answer to anyone?  Why would they keep this house empty for almost 2 years, lose at least 6 contracts on it and refuse to make the repairs to sell it?  I'll get nothing out of all this due to the Bankruptcy, but I would at least like to know that I sold the house rather than have it Foreclosed on.  Oh yes, and just last week I got a letter from Citi telling me that they want to work with me to keep my home.  All I have to do is make 3 ontime payments of about $1700..........does one hand know what the other is doing at Citi?  So, I am still the owner of the home, it's been vacant for almost 2 years, has water damage from a storm, there's a check issued to repair the damage but Citi won't do it, the gentleman who is under contract to purchase it hasn't responded to the offer Citi will accept, nobody else can look at it in case he wants out of the contract because the lock box has been removed and replaced with a combination lock that nobody has the combination to.  Oh yes, I forgot this..........I got a letter in January from Citi telling me I was denied the HAMP program because my mortgage payments were never late!!!!  Tell me to make my payments on time and I'm accepted in the program, then over a year later tell me I'm declined because I paid on time!!!  Anybody else have a horror story like this with CitiMortgage?

(k) To avert a-j always pay your bills on time and you won't receive calls from your creditors.