It has been 5 years since my husband and I went through HAPR. We made all payments on time. I called last night b/c I knew there was supposed to be a reduction in principle after 5 years. I was told they sent me something XX/XX/XXXX and we did n't receive it. I do not recall every getting it. I asked them to resend and was told time is up and I ca n't take advantage of HAPR benefit. I did not receive the package and want the benefit we earned by making on time payments. I think this is not a good practice and way for CitMortgage to take advantage of people who they are supposed to be helping. Please look into this. All I want is the benefit earned and them to resend the papers so we can complete and return. We want the loan to be reduced as promised. 
