ms. desoer? >> i believe the program should be extended.e need to determine if it can be used to help more bowers -- more borrowers stay in their homes. >> i think it will actually help see much more positive results. >> for the 8% of the modifications inside the program -- 80%, i would continue it and continue the enhancements. i would not expand it. >> i would ask treasury to provide very clear information, which they promised many months ago about redefault rates. you need to know how this program is doing compared to the way occ has been tracking modifications for 18 months. >> thank you. i yield five minutes to the from california. >> we need to have treasuries back here well before october to talk about lessons learned and to talk about extensions. wouldn't you agree? >> we have had treasury in here. it is not something we have not done. there are a lot of questions that should be raised. let me give you a classic example. you have people who were put into mortgages who are no longer working for the bank. now they are coming in. we sp

ms. desoer said some people are not making payments during the temporary stage. use of 40%? we do not find that. we find people who want to make payments. we have found a lot of people who have made payments and the mortgage company told them they did not. my staff would have the copy of a check or money order in their hand. there is a disconnect here. so the question is, outside with you, mr. heid, since i am kind of familiar with wells fargo, what you're doing with yourself and. have you found that with significance? if you did staff up, how did it affect the operation and your results? >> i think your criticism is very fair a year ago. we were not where we should have been a year ago. we made a lot of progress in the last year. we have attended your events. retreated your events -- we created our own events together documents. our 121 approach -- every single customer will know exactly who they are working with everyone on our side knows which customers they are accountable for in a one to 1 way. we have helped over 10,000 people in the course of the last year. >> it is k

ms. desoer said some people are not making payments during the temporary stage. us of 40%? we do not find that. we find people who want to make payments. we have found a lot of people who have made payments and the mortgage company told them they did not. my staff would have the copy of a check or money order in their hand. there is a disconnect here. so the question is, outside with you, mr. hei since i am kind of familiar with wells fargo, what you're doing with yourself and. have you found that with significance? if you did staff up, how did it affect the operation and your results? >> i think your criticism is very fair a year ago. we were not where we should hav been a year ago. we made a lot of progress in the last year. we have attended your events. retreated your events -- we created our own events together documents. our 121 approach -- every single customer will know exactly who they a working with everyone on our side knows which customers they are accountable for in a one to 1 way. we have helped over 10,000 people in the course of the last year. >> it is kind o

ms. desoer said some people are not making payments during the temporary stage. use of 40%? we do not find that. we find people who want to make payments. we have found a lot of people who have made payments and the mortgage company told them they did not. my staff would have the copy of a check or money order in their hand. there is a disconnect here. so the question is, outside with you, mr. heid, since i am kind of familiar with wells fargo, what you're doing with yourself and. have you found that with significance? if you did staff up, how did it affect the operation and your results? >> i think your criticism is very fair a year ago. we were not where we should have been a year ago. we made a lot of progress in the last year. we have attended your events. retreated your events -- we created our own events together documents. our 121 approach -- every single customer will know exactly who they are working with everyone on our side knows which customers they are accountable for in a one to 1 way. we have helped over 10,000 people in the course of the last year. >> it is k