Sometimes Modio doesn't know who you are, when you try to join a modded server you will see a brief list of mods fly by with a 0b/s download speed.

in order to fix that

Create a brand New Modio account using an email address to avoid any issues with the Auth token being incorrect/outdated

https://mod.io/me/access
View and Accept the API Access

Now create a new "Auth Access" token
Be sure to copy the ENTIRE string and store somewhere safe, after creating you won't be able to view this again.

Now find this .ini file
C:\Users\[USERNAMEHERE]\AppData\Local\Insurgency\Saved\Config\WindowsClient
GameUserSettings.ini

(Previously named Engine.ini)
(If on Gamepass this is located in WINGDK)

Go to the bottom of the .ini file and delete everything below
[/script/modkit.modioclient]

Now use this template, using the token you just created

[/script/modkit.modioclient]
bHasUserAcceptedTerms=True
AccessToken=TOKENYOUJUSTMADE
AccessExpiryTime=-1
bCachedUserDetails=
CachedUser=

Save and load, Mods should now work again
(You may have to renew the token in a years time)