Home Modification Program

I had the same problem with Citimortgage. I was laid off in May 2009 and Citimortgage attempted to foreclose in February 2010. I hired an attorney to help and by May, paid off Foreclosure. March 2010 began loan modification with Citimortgage. My loan was 25 years at 7%. Every 3 months the option expired, and required the paperwork sent again and again. In October 2011 my loan modification was approved on a trial basis 7% for 40 years. My payments increased by $40.00. What did Citimortgage do for 2 years, don't they know rates are in the 3-4% range?

I have had 2 attorneys over this time write to Citimortgage and each time there is no response.They believe they are above the law and are arrogant and borderline unethical in their dealing with clients.