I was suppose to be getting a loan modification through Nation Wide. It cost me $2950.00, it was suppose to only take 90 days or i would get a full refund. I work with this company for 8 months. Talk to them every week was told I was in reveiw. I kept getting hardship denial letter from my lender. Which I didnt understand because I wan't doing a hardship. I kept asking Nation wide when was I getting my money back. They kept saying there is alot of steps they could take to get my modification. On Sept 28 th i received a enevolpe in my mail box with all my paper work in it. And a letter stating they closed their doors. I called their number and got a recording stating the same thing my letter said. I am 4 months behind on my mortgage, I dont know what to do. My lender (Benefical) isn't willing to work with me on the money I owe them $5490.00. They want the whole thing or to make $681.05 payments every two weeks. I can't do that. If I had the money that I paid to Nation wide would help out alot. Does anyone know what I can do to get my money back. This is a hard thing, I don't understand how these people can live with their self everyday doing what they do to people. When people are havng such a hard time. They have to be stopped. PLEASE HELP ME OUT!!!