My hardship begin In XXXX, when I lost my job after 20 years at XXXX XXXX XXXX. My wife was also recovering from XXXX so she was not able to work. By losing my job with XXXX XXXX XXXX I lost my health insurance and all the medical bills were paid out of pocket while my wife was ill. 
I started a new job at The XXXX, on XXXX XXXX, 2015. I had to take a huge pay cut. At the XXXX, I had no health insurance and with the pay decrease and added expenses we were unable to pay all of our bills. This caused us to get behind on our mortgage payments. 
I was advised by US Bank to apply for a assistance and our loan has been in review for over a year now and they still denied any assistance to get our mortgage current. See the denial letter attached. The denial states they can not give me any assistance because of indemnification clause. As of today I still see no indemnification provision. I contacted US Banks and requested them to identify the document which indicates that the loan prohibit loan modifications.. I need to see if there is a conflict between the guidelines and HAMP. If there is then HAMP guidelines require servicers to make reasonable efforts to the investor restriction, which is XXXX XXXX. I also sent a complaint to XXXX XXXX and they will call me back as to why I ca n't get assistance to keep my home. 
US Bank subject borrowers to " Kafkaesque delays and obstructions for loan modification. They have a pattern when I send in applications and documents I have to send the same documents over and over again. I am in a bad place right now with my mortgage because they will not give me any assistance with my mortgage nor will they accept any payments. Therefore, with every application denied my delinquent payments increase to the point where I ca n't pay it. I am just not understanding why US Bank is doing this but I do know I will fight to keep my home and will do and have done everything I could do to keep my home. I have some equity in my home and I have enough income to keep my home. I have every intention to keep my home. 
Thank you in advance. 
