When I last spoke to the bank on October 31st, the contact who let me know that our foreclosure had been postponed also told me that the bank had changed their procedures, and we would now be assigned a single contact who would shepherd our modification application through their system.
Since we had heard this at least twice before, without any improvements in their process, we were not expecting much of anything to change. However, this person sounded very confident that things would be better this time.
Today we received a written letter confirming that this had indeed happened, and introducing us to our new contact. Instead of immediately calling our new contact, like I had previously, I decided to take a “wait and see” approach. If things had really changed, it would be apparent soon enough.