On XXXX XXXX 2015, we verbally appealed the first and second mortgage modification offers provided by Wells Fargo to our underwriter XXXX XXXX. We appealed to include a principal reduction. One of the benefits of receiving this would assist our underwater mortgage. A condition we had asked Wells Fargo to help us with several years earlier when H.A.M.P was introduced to assist mortgages like ours, when a hospitalization caused a financial hardship for our family. However, our home was refinanced with our second mortgage interest rate raised. We were told by a representative of Wells Fargo that this action was taken because according to Wells Fargo, we could afford a home that was underwater. For this reason our home was financed without that assistance. 

We are asking for assistance to expedite our appeal, as we have been working to create a healthy mortgage that we can resume paying after our trial payments our finalized. Instead of receiving an answer to the appeal we have been waiting to hear back about, we were sent a letter dated XXXX XXXX, 2015.This letter was received by us on XX/XX/2015. It states Wells Fargo will review our appeal. We are concerned that there is no indication Wells Fargo received our appeal within the time limit given to us by XXXX XXXX. Wells Fargo received a copy our letter XX/XX/2015 through the XXXX XXXX XXXX. XXXX stated to us that she would include a note to communicate her approval of our appeal. This was approximately two and a half months ago. 
We wanted our appeal to be given time to be reviewed thoughtfully, and so we assisted Wells Fargo when asked to put this verbal appeal in writing. We did so with expediency to help Wells Fargo and we continue to do so in whatever way we could to create a healthy mortgage for our situation. We have until XXXX to amend this issue, as we are now official in court proceedings. 
