We have been requesting a loan modification with Select Portfolio Servicing for the last three years. Initially we had experienced reduced income and expressed our situation to SPS who advised us to default on loan to be considered for a loan modification. We worked with a third party to assist us with s loan modification ; XXXX and XXXX. We worked with XXXX and XXXX XXXX. They were unsuccessful in a loan modification and charged us for what they referred to as a security deposit which was to be refunded if a loan modification was not obtained. These individuals and companies then stopped helping us and have not returned our calls or returned our deposit. Meanwhile the arrears have continued to accumulate to an amount we ca n't afford. We have requested a loan modification with SPS directly but are being denied without detailed information as to why. We have requested the modification criteria but are not given answers. We have reason to believe SPS does not want to work out a plan to allow us to keep our home. We have received several letters stating SPS is committed to hone retention and given relationship manager as a contact, yet we 've never been able to speak with this assigned contact though we 've called several times. In addition SPS representatives have stated that the investors have ultimately declined the loan modifications. One representative also went as far as to say the loan modification would not happen for us based on " inside information '' that she could not disclose. 
