I've been trying to get a modification for 6 month...

I've been trying to get a modification for 6 months. It was supposed to take 30 days and I get a notice saying it will take longer. 6 months later they finally gave me an answer, no. I appealed to no avail and my account manager keeps changing. I even called a couple times and they had no record of my refi. Meanwhile, I have been receiving a bill every month and the late fees keep piling up after I was told specially not to make another payment until the modification has gone through. I owe more now than I initially paid for the house. Useless company who can t file paperwork correctly. If your mortgage company sells your mortgage to them get it refinanced with someone else quick.