Thankfully we have a VA-backed loan otherwise, I'm not sure anyone would believe all of this.

We purchased our home through a real estate contract. In 1997 we refinanced through our bank. At that time, the name of the bank was Community First. We still have an account there, but there was a time where it seemed like banks just changed their name from day to day. For various reasons Community First has changed it's name or been bought 3 times since 1997. At some point during their name changes, they sold the note to our mortgage. The mortgage was sold to three or four other banks, who also for various reasons were changing their names.

In addition to the name changes, just because your note is sold does not mean that the bank that buys the note is "servicing" the note. This is how we became involved with Wells Fargo. Washington Mutual now owns our note, but Wells Fargo is the servicer.

Prior to Wells Fargo and even with all the name changes, our problems started with the implementation of NAFTA. My husband works in the machine trades. He has always earned a pretty decent living, but living near the Texas/Mexico border his work started going to China and Mexico. Clinton was the President that signed the NAFTA legislation.

Admittedly, we had other personal problems that contributed to our declining finances, not-the-least of which was that my mother developed cancer and I became a full-time caregiver rather than a part-time income. When we began having problems with our payments, it seemed we somehow managed to pull off catching up our payments.

Before the mortgage crisis really became public, we started noticing changes in lender policies. The first, most noticeable and aggravating change was that the lender no longer would accept a partial payment. We had been able to pay what we could and then make it up on the next payment or so. Then, one day without any notice, they claimed that not taking partial payments was "policy."

Another aggravating policy was to call me twice a month, as a "courtesy" to inquire if I would like to make my payment through "check by phone." This happened even if my account was paid on time. I told them twice a month, for two years that we did not have a checking account. Then I stopped telling them and stopped answering the phone. This really made them mad.

Then another "policy" was added where not only can't you make partial payments, but when you make your payment it had to fully catch up all payments or they

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