XX/XX/XXXX, after losing a job, I applied with Bank of America for modification of my mortgage. In the next three months, I did receive XXXX letters from BofA, XXXX of them with the requests to submit the same documents I submitted originally at the time of application. Finally, BofA informed me on XXXX and XXXX that I am not eligible for modification of the loan for the following reasons:1. " You are making all required loan payments on time. " 2. " You did not obtain my loan on or before XX/XX/XXXX. '' It was absolutely clear from the very beginning that I obtain my loan long after XX/XX/XXXX. 
XXXX. " You have sufficient net income ( pension of XXXX a month ) to pay your current mortgage payments ( {$1300.00} a month ) '' 4. " Your loan is not eligible for the Home Affordable Unemployment Program because we service your loan on behalf of an investors that has not given us the contractual authority to suspend your payment under the Home Affordable Unemployment Program '' ( The most puzzling one ). 
The whole process was tortuous as nobody explained to me why should I submit the same package of documents ( bank statements, verification of my pension and unemployment status, etc ) seven times in three months. I am sure nobody read them as I was getting the same letters with different dates on them. 
I am still unemployed ( my unemployment benefits rean out long time ago ) with almost no prospects ( my age of XXXX works against me ) and I am still making payments on time borrowing money left and right. I do not believe I ever had a single late payment in my lifetime and I can not allow myself not to pay. Unfortunately, according to BofA, this is # 1 reason I was denied a loan modificationI am still having difficulties making payments as in addition to that I have medical bills, child support, plus prolonged unemployment since XX/XX/XXXX. 
The whole situation is described in several attachments. I am seeking loan modification, but Bank of America does not want to cooperate. They told me openly, that if I would stop making payments, my chances for loan modification will significantly improve. But it is against my principles. 
Thank you, XXXX XXXX. All documents from BofA were signed by XXXX XXXX, Customer Relationship Manager 
