I began a loan modification 5 years ago with XXXX XXXX when I lost a portion of my job after the housing debacle created an economic downturn. I have applied numerous times with XXXX and although I qualified, they rejected my application time after time for erroneous reasons which threw me back into the system. They were finally unable to give me any more excuses so sold me to a new servicer with the same investor ( XXXX ) who then sold me to XXXX with BSI Financial as the servicer. I applied with them and they denied my application stating my arrearages was too much and do not have sufficient income. I do have sufficient income and the banks not taking my payment any longer threw my loan into arrears. I feel that this whole thing has been a scam and had I known in the beginning it was going to be like this I would have never done it. I worked hard for my house and do not want to lose it and I have done everything I have been asked and qualify, but they want my house and are not willing to work with me. These banks are crooks and were all bailed out and were suppose to extend the benefit on to the people, they have done nothing of the sort. I can see why people throw the towel in because they make it so difficult. My interest rate is 6.75 % and they could very well reduce my rate and make it easier. I am asking for help. They are saying even after I appeal this time that there will be no more appeal so time is of the essence. Please help. 
My name is XXXX XXXX I am at XXXX XXXX XXXX in XXXX, XXXX XXXX. My phone number is XXXX. My email address is XXXXXXXXXXXX. My loan number with BSI Financial is XXXX. My contact is XXXX XXXX XXXX - XXXX. The current letter I received is from Loss Mitigation dept. That address and number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX - Fax # XXXX. They said I have to have the appeal in by XXXX/XXXX/15. 
Thank youXXXX XXXX 
