... "I had never missed a payment and I had never been late on a mortgage payment. For the next three months, I sent in my monthly mortgage payment, which reflected the verbal agreement I made with Citibank. After a three month period, I began receiving documents which gave the appearance I was in the process of negotiating for the reduction in my mortgage payments--when I was led to believe back in June, I was meeting my responsibilities regarding the re-financing of my mortgage I had agreed to with Citibank. After a two month period of a back and forth...