We first attempted to modify our loan just over 2 years ago with Wells Fargo. Since then, there have been 2 more attempts. In each case, we were assigned multiple negotiators from Wells Fargo, and the standard practice was always the same!! Ask for condition, after condition, after condition, until their 90 day time limit to complete the modification would expire, at which time they would blame us for not completing the paperwork in a timely manner. This would trigger them to toss out the file, and make us start all over again. Not only would they condition us to death, but another tactic they use is to simply say they ca n't find what we sent them in their system. Let me tell you that I am a very well educated man, working as a XXXX, so I know how to XXXX. The debt ratios we had during the first to attempts to modify our loan were right in line with what Wells Fargo needed to approve us, but instead they chose to string us along for over 2 years. There is a clear case of Dual Tracking here, and we can prove it with over XXXX saved emails going back and forth with Wells Fargo. We also have a good friend with over 28 years experience as a XXXX, that looked at the overwhelming evidence we have, and said we have a winnable case against Wells Fargo. All we want is to modify our loan, which happens to be a pay option ARM. There has been a Notice Of Default filed by Wells Fargo, but no sale date posted at this time. We have XXXX PDF files we would like to send you that will prove our case. In addition, our mortgage broker is willing to testify that Wells Fargo lost numerous documents we sent to them via email over this 2 years time period. Please Help Us ... ..So we do n't lose our house!!! 
