Calling it a "complex" situation, bank says legal 4closure, BUT "realize" they could've done better & want to "help" us with "some compensation. The UD & 4closure they say they'll TRY 2 remove if poss. I ALWAYS stated if couldn't modify 2 affordable payment, I'd sell home (w/100K+equity) & I had access 2 borrowing funds. Plus my "preservation specialist" told me he didnt know about the CA/hardest hit fund. A 1 time making up arrears. Yet I looked & they r a servicer. He didn't go over all HAMP options. I told him, I'd do ANYTHING b4 a 4closure. He claims didnt recieve last DOCS, but didnt call/say he didnt. 1st he stated he spoke to me, then recanted he just called the house BUT DIDNT leave message, & that 1 of many mistakes cost me opportunity 2 TAKE ACTION, that WOULD HAVE saved my home!