I need a Loan Modification with Saxon

The problem i am encountering with Saxon, my mortgage company, is that i got behind two month they decided to put me on a 3 month fixed trial loan modification to pay 715.00 a month for 3 month until Dec. 2009. I sent the payment of 715.00 on 2010 and they rejected the payment. they accepted Feb, March April, Rejected May, June, and July. I was first informed that my loan modification was turned done in May and in June I was awarded the trial loan modification again. I have been informed that they have come up with this new payment of 515.00 a month starting Aug. with their in-house loan modification. They have refused 4 of my payments. In the past my understanding is that no mortgage company is suppose to refuse a payment but they have refused my payments and they have me on hold. Please help me. I need a loan modification with Saxon to stop foreclosure. I also have COPD,Asthma and this was one of the reason why I made my payments late.