Jmo...others may not have had the same problems.
In all fairness, there are some companies that are doing a good job--mine is not one of them.

If not approved for the change, the difference between the regular payment and the trial payment adds up, along with late fees, and "other charges."
No one has yet been able to tell me what these other charges are...
Late fees are now being challenged and may be removed with the program changes issued April 5th by the Treasury Department.
If they are allowed to remain, if I cannot pay off all accumulated charges, I'll lose my home.
If a payment plan would be set up, there would still be a late fee for every month I did not bring it current.
'Course this is based on many talks with CSRs, who were poorly trained, in several different departments.

One example; I spoke with one who insisted I had been employed in manufacturing and had been laid off...I demanded to know the address and that is when she realized she had the wrong person.
Never did find out if my paperwork was somehow mixed in with this other woman's paperwork.

It is a long process...I started back in Sept.
The first problem was the application package they sent did not contain all the paperwork. Over the last several months, I have emailed/faxed/spoken with them at least twice a week...sometimes more.
Finally, today I was told all paperwork was in order and would be sent to my mortgage company for review...which can take 30-45 business days.

Right--I've been told that twice only to have someone call me that they were missing some information.

MSN Money and the NYT have had excellent articles about the problems of this program...in reading the comment section, I found out that I was not the only one experiencing these things. There were several comments where people actually ended up with a higher payment and interest rate. Others had the accumulated fees...some were over $2-3,000.

I cannot change anything now, but hindsight shows me I should have tried toughing it out...or contacted a certified HUD housing counselor.
Things may actually be easier now, though. With any new program, problems are going to be identified in the early stages.
Hopefully they are being addressed so others will not go through it.
...the three biggest offenders are now saying that it will put them even more behind because of the new rules.

all just my experience with my mortgage company and it's servicing agency

there are two organizations that are running interference for homeowners in my situation...stuck in a never ending cycle.