In XXXX XXXX we filed for a loan modification with Stonegate Mortgage due to a loss of job. We were simply asking for the removal of PMI, due to being over XXXX % LTV. We have had over 30 conversations with the company since we filed this, and get different answers almost every time. We were originally told the process would take 30 days, this drug in XX/XX/XXXX and were we given several conflicting reasons why. 

On XXXX/XXXX/XXXX, we were denied the modification due to " being current on our loan. '' This is an issue, because we are currently in Chapter XXXX and this same mortgage company threatened to file for foreclosure if we did not make a payment on the XXXX of every month, so we had to stay current. The HARP/HAMP regulations also state being current is not a dis qualifier. 

We were told we could file an appeal, which is basically an email to the person who denied us. We have tried to reach out numerous times regarding the appeal and the company keeps saying they are looking at it. They said they can not provide us any further information. This process has now drug on for almost 6 months, without any resolution. 
