I applied for assistance in saving my home with my servicer, CMG Financial, on XXXX/XXXX/2015. I hired an attorney to help me submit my paperwork. My attorney confirmed CMG Financial received my full and complete application and all financials on XXXX/XXXX/2015. My attorney called CMG Financial several times for an update after the submission ( actual dates XXXX/XXXX/2015 - told only option was to leave a message ; XXXX/XXXX/15 - told only option was to leave a message ). No calls were ever returned. CMG Financial never sent out any letters per RESPA Reg X ( XXXX ) that they received the application or that they denied the request. They say they have sent out letters, but they actually have not. To date I still do not have any letters of receipt of application/denial or approval. Then on XXXX/XXXX/2015 my attorney spoke with CMG Financial and they stated my loan modification request was denied on XXXX 2015 due to liens on my title. I was not given the opportunity to appeal my denial before the 30 days period after my denial because CMG Financial withheld the denial letter and would not accept calls and did not return messages during this time. It is apparent they did this on purpose solely to evade allowing me to appeal my denial. I have a valid appeal as I have cleared my title and I am certain I qualify for assistnace. I feel my servicer purposely withheld my denial letter, avoided taking calls from my attorney and did not advise me I was denied in order to evade allowing me the time appeal the decision before setting a sale date. If I had not received the Notice of Sale, I would have never even known I was denied or was even reviewed. I still do not have a denial letter. I wish to appeal the denial, however the servicer has now set a sale date. My attorney states this was done on purpose. This servicer evades even speaking with me or my attorney. I have to call in and not enter my loan number. If I enter my loan number it only goes to a voice mail that no one calls back. I feel this is wrong and they are purpose evading my requests to try and resolve my delinquent loan and are simply pushing me into foreclosure. 
