MY bank promised me over the past 2 years that if i made 3 payments on my loan mortgage, my loan modificaiton approval would arrive in the mail (this was last year) here i am waiting for those papers 1 year later, they recently gave me the same promise, this time I asked for written request for this in the mail, so far they have done nothing.

My first morgage gave me loan mod a year ago and RAISED my payment, thats another story