We contacted a financial advisor at XXXX XXXX who said we qualified for HARP. Our bank, CitiMortgage, said we did n't but could apply for a loan modification which should take 21 days. Our loan has a fixed rate of 4.125 % and we are not behind on payments but both of us are now on XXXX - financial hardship. Even though we gave immediate responses to every document request it took over 4 months for our bank to offer to assist us by lowering our loan by only .125 % to 4 % - but also extending the 20 remaining years to 40 years and adding an escrow account and extra fees. We 'd asked them that very question and were told " we 'd be offered options we could accept or refuse '' so we persisted through those 4 months. Even without doing the math, the interest for 40 years vs 20 would be outrageous, not even counting the extra fees they require. We feel our rights have been violated, that the whole thing was a scam to try to take more money from us when we need relief. Is there grounds to check into a legal case against CitiMortgage? We do not want CitiMortgage to be contacted unless our rights have been violated. 
