Struggling to pay mortgage: Mortgage

Fay told me that foreclosure proceedings had not begun when I submitted my loss-mitigation application. Fay then denied repayment and payment-deferral options because it now claims foreclosure proceedings are in motion, without identifying when or how that occurred. Fay simultaneously denied modification because I allegedly do not meet an unidentified investors undisclosed minimum-delinquency requirement. Fay did not identify the investor, disclose the actual requirement, explain whether my newly reinstated SSDI income was considered, or provide the foreclosure referral date, foreclosure attorney, publication status, or sale date. I have submitted a timely appeal and a separate Notice of Error and Request for Information. I request immediate written confirmation that no sale is scheduled, a foreclosure hold during the applicable review and appeal process, correction of inaccurate servicing information, and a complete independent evaluation using my current verified income.