There is not much you can do unless the lender wants to cooperate. You will probably have the same issues even if the borrower was cooperative. You cannot force the lender to give you a short payoff or to cooperate with you. You have another issue now, which is the lender is not obligated to pay the HOA dues because the HOA owns the property. These are the issues that you face when there is no equity in properties. Condo associations do this becuase it is easier for them to rent the palce out in the interim and generate cash flow; but it is much harder for an HOA to do that. The only thing you can do is be persistent and try to get someone that will take the time to help you out.
This response is being provided for informational purposes only, and shall not be construed as legal advice or establishing an attorney client relationship.