Why does it take so long to get an answer from EMC

please tell me what is happing,i put in for a loan modification in june i was suppose to hear something back in late august or september,i have call till i'm blue.now you tell me you do not have any informATION from me,i ihave email all the paper work and my letter of hardship,so how can you come back and tell me you know nothing about it.please help,this my not be nothiong to you all but its everything to our home.please have the cursitory to email me bac with some solotion.thank yopu esmeralda padgett

I have been trying with EMC for a year and a half for a loan modification. I 7 years I never missed a payment, was never late. I requested a loan mod prior to the first adjustment. I continued to make the adjusted payment as long as I had OT avail at work, and rented rooms out. When it adjusted up to what I take home, they told me to get a second job. I sent and resent paperwork to them because they were always saying that they either did not get it or I was missing some. Now my home is in foreclosure. I paid a loan modification specialist $2000 of the money that I had been putting aside for a reasonable mortgage payment. EMC has not responded to them either, AND the loan modifications attorney has not done anything to expedite anything, nor have they contacted me or let me know what is going on. So that was just $2000.00 out the window. I am an older woman, I do not want to lose my home and I would have no where to go. I am really scared. I know many people that are in the same situation with EMC, all getting the same runaround. EMC is not helping anyone, they are just trying to get back the missed payments, than your back in the same situation after 6 months.

I was also told that they did not recieve my documents, send them again. I faxed, mailed, sent certified letter. When I finally stopped making the payment they have called me at least 3 times a day. When I finally got through to a so called Loan Mod Specialist at EMC, all they offered me was a payment $60.00 less than the adjusted amount to pay back the missed payments. My payment went from $1300 a month to $1762 a month, than 6 months later $2000. (I only net $2000 a month). My home is now worth $121,000 less than what I owe on it. The so called Loan Mod person at EMC was totally inexperienced and did not seem to have a clue about mortgages or home values across the country. When I told her that they are just going to end up with ANOTHER empty house with NO payments or ability to sell she just told me, "well than have a nice day" and hung up.