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None. RE : Specialized Loan Servicing, XXXX XXXX XXXX XXXX, XXXX XXXX, co XXXX In XXXX of XXXX I was forced to put my mortgage loan into forbearance to make ends meet due to the COVID 19 pandemic. When I agreed to the forbearance, I was instructed by you that when the forbearance expired we would be able to apply for a modification and other mortgage retention options to resume my loan. You have denied assistance based on false information. I am appealing your decision. This is a list of the false information and other issues pertaining to my appeal : First : I have been advised by your representatives on XXXX and XX/XX/XXXX that my retention help application was denied due to some verbal modification/deferral that occurred in XX/XX/XXXX. I also advised her records were wrong and that