We are writing this Complaint due to the fact that our Family experience a Hardship & that we have made many effort to workout somekind of re-payment plan by making numerous request to our mortgage company Wells fargo Bank. On XX/XX/2015 my Family experience a fire in our Heating/Air System we later found out that our warranty had expired the previous month. Due to our warranty expiration we were notified by our Homeowner Insurance that our Heating/Air electrical fire was not covered.Due the news we faced a large repair bill that had to be fixed due to the very hot weather & the recent moving of my mother-in-law whom is suffering from a XXXX XXXX ... we made many calls to wells fargo & never got any assistance but the usual transfer & hold for long times. On XX/XX/XXXX my wife & myself finally were transfered to the Home Preservation Dept. The representative we spoke with advised us that we did qualify for a repayment plan but only within 90 days & that we should of been advised of that previously. the representative said that we had to pay the entire balance and they could not help us with a re-payment plan.since then Foreclosure has been filed against our Property.we are filing this complaint because we made many phone calls & we were not advised properly about the repayment plan rules.. since then we have made efforts to make payments and it has been refused ... Please Help a Desperate Homeowners.. 
