Servis One, Inc. Mortgage Complaint

Servis One, Inc. Mortgage department,

Conventional adjustable mortgage (ARM) Loan modification,collection,foreclosure California

I applied for assistance in saving my home from foreclosure with BSI Financial. I hired an attorney to help me with my application. My attorney submitted my application on -/-/-. BSI denied my application on -/-/- stating my current contractual payment was below - % of my gross monthly income. However, BSI made an error and used my Contractually due payment from -/-/- in the review ( $2100.00 ). Per HAMP guidelines they are not supposed to be using my Contractually due payment ( from -/-/- ) in the review. They are supposed to be using my - contractually due payment, which is $2500.00. My attorney was advised I would have to appeal the denial and we did so on - -, -. Since - -, - BSI has refused to respond to my appeal. I am told that per guidelines and RESPA Reg -, my servicer is not supposed to evade review and must reply to my appeal in 30 days. Today it has been 64 days since my appeal and I still have no response from BSI.