It may seem terribly tedious but such a difficult challenge of working to secure a modification of your loan with Chase requires you record any conversations you have and write down with whom. You can preface your recording everytime by letting them know you are going to record so you can keep track of your process and progress. You always have a method to track every mailing to them…that it was received. Always ask for a manager when you are getting ignored, things are being misplaced, etc. Working with Neighborhoods seems to be aiding you in this process, but many people have had better success when they have carefully tracked everything. Best wishes to you in finally getting your modification.
Think I’d be relying on Neighborworks to help resolve this, rather than attempting to restart the whole process elsewhere.
HIRE AN ATTORNEY- the new reg X rules have some teeth, because unfortunately, your example is the rule, rather than the exception. I would suggest looking for an attorney with some experience in this area- here is a good place to start: http://maxbankruptcybootcamp.com/grad-list#Vermont