Preferred Law Mortgage, modification, legal Sandy Utah

They informed me that the process would take approximately 6 months. My file was active for over 2 years. The person handling my file stated it was taking so long because the person who had previously had my file did not handle it properly. After my house going into foreclosure several times and having to declare bankruptcy to block the auction twice. I decided to just cut my losses and ask for the refund that is guaranteed, if the modification is denied, whiche mine was several times. I was informed by them today that, "due to the amount of work on my file" (work which provided no modification or prevention of foreclosure), they were denying my refund. That is 6,870 dollars. I lost my house. And now I don't have the only thing that would have made it possible for me to remotely land somewhere near my feet.