Are Banks Doing Enough to Help Homeowners? Most say no. Million of US families are struggling to pay their bills and the Banks aren't doing enough to help. There are 7.5 million homeowners who are behind in their mortgage payments and only a tiny fraction of people are able to get thru to the Banks. The banks aren't doing enough. The middleman the guy who services the loans who gets paid the most, if he prolongs the period the people owe money. That's a conflict of interest. It's buried under a pile of bueracratic baloney. Also, the banks DON'T Have to participate.....it's optional. As long as it's optional, they will serve their pocketbook versus the consumer.

It takes 4 months on the average to get a call returned from the lender. Call the mitigation department and keep insisting and covering yourself with a paper trail. Keep everything in writing. File a complaint with the OCC (Office of Contoller of the Currency) who is in control of the banks. Issue a complaint with them if the bank/lender refuses to work with you. http://www.occ.treas.gov/customer.htm
Their Mission?

Consumer Complaints and Assistance:
Mission Statement
The Ombudsman's Office is organized around core principles of dispute resolution and customer service. The office seeks to ensure national banks and customers of national banks receive fair and expeditious resolution of their complaints. The Customer Assistance Group's primary focus is to ensure customers of national banks receive fair treatment resolving their complaints with national banks.

The core values underlying our mission are the guiding principles of:


Maintaining a professional staff;

An environment that disadvantages no one and embraces a sense of fairness;

Independence and no retribution;

Convenience and accessibility for constituents;

Effective use of technology;

Processes that are integrated with and contribute to the agency's regulatory responsibility; and

An element of confidentiality.