I seriously think you need to call them and follow up with this (and said this in the thread you started with this, IIRC). Your points are 100% right-on, and you have every right to claim your stake of bailouts monies flying all around us.
Just wish I had some debt for them to “forgive” or give me a low interest rate. 🙁
p.s..: I know you can pay your mortgage off, and just have it for planning purposes, but at least you have debt that can be used as leverage.
