In XXXX, my husband and I refinanced our Mortgage and got the " Pick-a-Payment '' mortgage loan through XXXX XXXX. Later this adjustable interest loan was bought by Wachovia Bank and later Wells Fargo Bank. We were in the process of refinancing this loan through Wells Fargo Mortgage ( our house is in our joint Living Trust ) when my husband passed away in XXXX XXXX. I continued the re-fi application in XXXX and by XXXX/XXXX/XXXX, Wells Fargo declined the application only to have our consultant call on XXXX to say that they could do the new loan. I have submitted numerous documents regarding the Living Trust, our wills, income/employment/business information plus paid the {$500.00} appraisal fees. Today ( XXXX/XXXX/XXXX ) I have still not heard that the loan is approved and the interest rate increases every year for the XXXX payment. 
In XXXX XXXX, we were sent a {$160.00} check for settlement of the XXXX XXXX Wachovia Bank, Wells Fargo & Company, Wells Fargo Bank , N.A . ; and Does XXXX for XXXX XXXX. XXXX XXXX to settle a lawsuit regarding these predatory " Pick-a-Payment '' mortgage loans. We decided not to cash this check and still have it in my possession as cashing it you relinquish all future legal recourse. This is a predatory loan and I will be seeking all legal resolution if my refinance is not processed within 10 days. 
