I had my mortgage through XXXX XXXX XXXX and was sold to Specialized Loan company. I have been unemployed since XXXX and have been going through the XXXX process since then. I have explained this to this company on multiple occassions. I was in a government program to help with my payments in hopes that my XXXX claim would be approved and I could maintain my payments on my own. After the program ended I filed for 2 modifications to help me keep my home. The first one was denied due to the fact they increased my payment to see if I could pay the new amount before the final modification was approved. The second was denied because my income was lowered and they said there was not a program I qualified for and that if I did n't make my account current they would start foreclosure proceedings. In XXXX XXXX I borrowed from everyone I could and came up with over {$4000.00} to save my home. I made the payment through my bank to them which was sent back. I called and questioned them and they said that since I was behind they could not do an automatic payment and said I had to do XXXX XXXX or a check over the phone for which they wanted to charge a fee. After I threw a fit they waived the fee. I then applied for a forebarence so that I could have some time to get a little breather to come up with money to stay current. I just found out today that they mailed the decison on XXXX/XXXX/XXXX and that they denied me because I did n't have a qualifying hardship. I do n't understand what that even means. I asked to talk to someone else that could explain to me why it was denied and was told that there was no one I could talk to and that the decison was final. But in the next breath the rep tells me that I could re-apply again if I chose to do so. What is the point? What is the point of degrading yourself to ask for help and they are not trying to help you keep your home? I absolutely can not stand this company. I do n't even know what else to do at this point. 
