PNC Bank Mortgage Complaint

PNC Bank Mortgage department,

Conventional fixed mortgage Loan modification,collection,foreclosure Illinois

Due to recent financial difficulties our RE Taxes were added to our mortgage so now we have an escrow which increased our mortgage payment over $1000.00. We are finally in a position to refinance and were approved by - for the HARP with PNC our current - Mortgage holder. We also have a Home Equity with - -. We were all set to close but were waiting for - - to approve the subordinate when the bottom dropped out. We learned that in -/-/- ; National City was our current - Mortgage holder and we did a Refi I think to reduce the rate or get rid of the PMI I am not sure the details are foggy but it does n't matter. When they filed the paperwork for the refi ; National City did not file the subordinate so - - became - Lien Holder and PNC is - mortgage holder. Now, because of some paperwork error 8 years ago ; I can not ever refinance my loan because just like everyone else in Illinois ; my house value is lower than it was in -/-/- and because of financial struggles my credit rating is lower. - - will not work with us or consider approving the subordination or do a loan position change. I am being punished because of somesones ' clerical mistake and I can not afford to keep paying my mortgage at the higher payment and my Home Equity is coming into repayment in -/-/- and then that payment will double. Is there anyone that can help me? I do n't know what else to do and I do not want to file bankrupcy or go into foreclosure ... ...