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Yes, I understand completely that a loan modification is not a right. This is why I said in my chronology that the Lender (deleted) agreed that I could apply for a modification through their process; i.e. they did have an application process for considering modifications. At no time was I told...

Absolutely. I've been getting ID numbers of people I've been dealing with the past several months. I can't prove much from the earlier stages because I had no way to anticipate that I was being defrauded with the stories about the loan being sold to new owners. Perhaps all of conversations I had...

Thank you for the reply. The lender is one of the most prominent Wall Street banks in the US. I'll try my state's AG office and see what happens.

• November/December 2011: I asked a Prominent US Lending Institution about the possibility of a loan modification to our existing mortgage loan. • December 2011/March 2012: I completed /submitted the Prominent US Lending Institution loan modification application. • March 2012: Prominent...