If your lender and you have entered into a written agreement under a written forebearance agreement pertaining to a foreclosure, you are current on it, want to repay back payments owed but have yet to receive a positive reponse from your lender as to your inquiries, I would simply start making voluntary payments on your own for those months where you did not make the payments.The sooner you start making payments, the sooner you will be able to whittle down what is owed since those missed payments are also accruing interest. In essence, since the lender cannot make a plan for you, you do it on your own.