Why has PHH mortgage played with faithful longterm customers during a hardship not giving anyone answers to the new Hamp program I went online and found out many of there customers are treated badly?

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The short answer is because they are a servicer, they do not own your loan, they mearly collect the payment and any (late) fees. They make money by skimming off a piece of your payment from the producer, or owner of the loan. If you do not make your payment they make no money. It does not behove the servicer to participate in the HAMP program, because they do not get any benefit from reducing your payment, and if they did, all the government benefits go to the investor/owners of the loan first. A good site I found which breaks down some testimony presented to the senate on the lack of participation in HAMP by servicers: http:/phhmortgage.wordpress.com
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