In XXXX, my husband and I purchased a motor home financed by Bank of the West in California. For six years we diligently made the {$610.00} a month payment, totaling about {$46000.00} on the {$70000.00} loan. The interest rate was very high at the time. As we increasingly felt the effect of the XX/XX/2008 crisis and we lost a lot of income, we could no longer afford those payments. We prevailed on Bank of the West to refinance our loan. They told us they would not even consider it because we were current in our payments -- we needed to be at least 90 days in arrears. So we let our payments lapse and used the money to make other financial obligations. Then they said they would not refinance the loan : bottom line they repossessed our motor home. They sold it at auction for {$20000.00} despite the fact that we had found a buyer for {$30000.00} who they refused to consider. Then they told us we owed them {$50000.00}. They would n't even take into consideration the money already paid over a six year period. They set us up on a payment plan of {$150.00} a month. Fast forward three years : we have been making payments religiously, and have paid down {$5000.00}, but they report us to the credit bureaus ( I have written XXXX, XXXX and XXXX but I have not heard anything ) as though we are always 30 days late when we are not. 
As time has gone on, our fixed income Social Security has not gone up, but everything else has. Our payments on our medical supplements have increased substantially, along with taxes, insurance and life insurance premiums. Utility bills are continuing to rise, and we can no longer afford the mortgage payments on our house. We can not refinance our house because of the bad credit report from Bank of the West, and now two other things are happening as a result of Bank of the West : 1 ) Our homeowners insurance is going to double XX/XX/XXXX {$1300.00} because we no longer have an XXXX credit rating, and 2 ) XXXX XXXX is going to close our credit cards despite the fact that we have never abused them, which will hurt our credit even further. We are in our XXXX, and within a few months will be in danger of losing our house. I called Bank of the West and asked if they would consider a lower than {$150.00} a month asset recovery payment -- they said they would not. I asked them if they would please report our credit in a better way to let creditors know that we are paying on time and they said they " have the right to report our credit any way they want to. '' This repossession is the only " bad '' mark we have ever had on our credit in all our adult life. We are at wits end as to what to do. Bank of the West says they will take everything we have. Bankruptcy is n't an option to us. Please help. 
