I HAVE BEEN TRYING TO MODIFY MY HOME LOAN FOR OVER A YEAR AND I KEEP GETTING DENIED EVEN THOUGH THEY ARE FULLY AWARE WE ARE UNABLE TO MAKE OUR MORTGAGE PAYMENTS ON TIME. THE LAST REQUEST I MADE WAS WHEN MY MOTHER WAS ON LIFE SUPPORT . MY MOTHER HAS NO LIFE INSURANCE .I ASKED IF I COULD SKIP A PAYMENT AS I NEEDED MONEY TO PAY FOR FUNERAL COST. I WAS TOLD TO WRITE A HARDSHIP LETTER AND PROVIDE PROOF OF MY HARDSHIP. I EXPLAINED MY SITUATION AND PROVIDED PROOF OF MY HARDSHIP, MY ELECTRIC, GAS, WATER, SEWER, TELEPHONE, PROPERTY TAX ARE OVER DUE AND I HAVE TO CHOOSE BETWEEN BILLS AND FOOD. MY HUSBANDS HOURS WERE CUT FOR A PERIOD OF TIME WHICH CAUSED THE HARDSHIP. MARIX REFUSED TO MODIFY THE MORTGAGE AND SENT ME A LETTER STATING THAT WE MAKE ENOUGH MONEY TO PAY THE MORTGAGE. I HAVE BEEN FORCED TO MAKE LATE MORTGAGE PAYMENTS EACH MONTH AND THEY CHARGE ME A $70.00 LATE FEE EACH TIME IM LATE. I MADE AN ARRANGEMENT FOR MARIX TO TAKE THE PAYMENT OUT OF MY ACCOUNT ON THE 30TH OF THIS MONTH. MY DIRECT DEPOSIT WAS NOT ENOUGH TO COVER PREVIOUS OVERDRAFT FEES PLUS THE MORTGAGE PAYMENT BY ABOUT 750.00, SO I CALLED SOLVERIGN BANK TO ASK IF THEY WOULD PAY THE CHECK AND MY NEXT DIRECT DEPOSIT WOULD BE ENOUGH TO COVER THE OVERDRAFT AND BRING MY ACCOUNT ON THE POSITIVE, I ALSO EXPLAINED TO THE BANK MANAGER MY SITUATION, SHE WAS COLD THEY DIDNT CARE THAT MY MOTHER WAS DYING YESTERDAY MORNING AND IN SPEAKING WITH THE BANK TODAY .. THE MANAGER DIDNT CARE THAT MY MOTHER DIED YESTERDAY EVENING 11:27PM. I HAVE NO MONEY TO TO PROVIDE A PROPER BURIAL. MY MOTHER CAN STAY ON ICE FOR AT LEAST A MONTH (THATS THE BRIGHT SIDE AT LEAST I WILL HAVE A MONTH TO TRY AND FIND MONEY TO PAY FOR A FUNERAL) IN THE MEAN TIME THE BANK MANAGER SAID THEY RETURNED MY MORTGAGE PAYMENT AND WOULD THINK ABOUT WAIVING THE OVERDRAFT FEE ONCE MY ACCOUNT IS ON THE POSITIVE. IN CLOSING. I HAVE NO FATHER, I LOST MY MOTHER, AND I AM GOING TO LOSE MY HOME. I HAVE A 4 CHILDREN AND I CANT HELP THEM AND THEY CANT HELP ME. I BELIEVE IN JESUS AND I AM AWARE THAT EVERYTHING HAPPENS FOR A REASON. I HAVE NO OTHER CHOICE BUT TO PUT THIS SITUATION IN THE HANDS OF THE LORD. PRAY FOR ME THAT I CAN STAY STRONG AND FIND A WAY OUT OF WHAT LOOKS TO BE NO WAY. I WILL PRAY THE SAME AND I ALSO PRAY FOR SOLVERIGN BANK AND MARIX LOAN SERVICEING, THAT JESUS HELP THEM, HELP THEIR CUSTOMERS. MY COMPLAINT IS LARGE COMPANY GREED.