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None. In XXXX of XXXX our mortgage went into forbearance for covid 19. In XXXX of XXXX I called and asked to make arrangements since we couldnt pay the forbearance amount in total. We were approved for a mortgage adjustment. Payments were to begin XX/XX/XXXX. We were sent a packet with information to be notarized. We were told the mortgage company was providing the notary. The notary kept making appointments and cancelling or not showing. We called and were told we were going to receive a different adjustment with payments starting XX/XX/XXXX. I called in XXXX because we had not received the paperwork. I was told we would be fine and to make a payment. We made a payment. The paperwork did not come. In XXXX I called about making a payment. I was told making a payment could i