NEED help with citi residential

[Joel Fraser]

hello all. Im new on this site and i am trying to do a modification with citi residential. My loan adjusted in decemeber 07. from 6.2 to 8.6%. jumping $600 . now out of nowhere they have decide dto escrow my taces in my payment where it was not b4. my payment went from 1780. to 3547.00. impossible for me to pay. dont even make that much in a month. 2 weeks ago i called the loss mitigation dept at citi after getting nowhere fast with the reps in the customer svc center. after 2 dyas i received a fed ex asking for a financial stement. after 2 weeks it got denied for debt to income ratio being too high. they told me i should just sell my house!a couple of days ago i emailed to the office of the president and also faxed a subsequent letter to try again. i just called the office of the president # 866 461-0913. and someone told me they received my fax and it will take a week to get assigned to someone. but by then my loan will have been 2 months past due. i am back at square 1 now. not knowing who should i call or what they are looking for. now a refinance is out of the question bc of the lates. citi is my only hope. can you pls advise me of anything i else i can try? i also have a heloc with bank of america, which is already 30 days late.. how do i get rid of the loan or maybe get them to take a short pay without selling the house?