I signed up in August 2012. Despite my huge payment I was always on time, even if I had to cut way back on everything. They could only help me if I was two payments behind so I did that. When I said I wanted to start paying again, Justin said he couldn't stop me, but it's hard to negotiate a loan mod based on hardship if I am paying, so I did not resume. In November I started to see some movement. My negotiator said I was spending too much on food, somebody should talk to be about my credit cards (nobody did), and please redo my hardship letter. The bank statements I uploaded had notations and she wanted a clean copy. Justin said I had a very good strong case and it should be wrapped up within a month.
January-February is when things started to go south. My file changed status on Feb 8 from Underwriting to Application Processing which supposedly meant it went to the lenders. About a week later I got a frantic call from Hazel Garcia asking me if any Fidelity staff member had solicited me for more money. They had not. Justin sent me an email that he had accepted a position in another company, an email to Patricia Payne bounced. Then the huge notice appeared on the log-in screen that they were no longer accepting residential cases. I talked to Leslie Haro and she told me there were still a lot of staff members there and that I should be hearing from my bank any day. That was the last conversation I had with her. I uploaded information on May 15, and over Memorial Day Weekend could not log in at all. It gave me an error message.
I hired a real estate attorney to help me repair the mess with my bank. I don't know what is going to happen. He said everything they told me is "bull****". He is telling my bank I am a victim of a scam. His office is in Beverly Hills and the day I saw him I went over to 433 N. Camden, 6th floor, and was told, Oh, they moved out 3 or 4 months ago. Leslie Haro's phone number is a land line in San Diego. I feel incredibly stupid that I would have let this happen.