After a rough summer of '08, my husband and I slipped on our mortgage in November of '08. Calling Wells Fargo immediately we explained it was a temporary hardship, we were business owners and would recover in a few months but could not pay the mortgage for 3-4 months. The bank agreed to work with us. The following June '09, after sending them a mountain of financial information, they agreed to put us on a 6 month repayment plan at mortgage and a half payments to catch up on the back mortgage. If we showed good faith and made all 6 payments in a timely manner, they would modify our loan or just put us back on regular payments. The last payment was made in Dec. '09. We made numerous calls to find out about our loan. We sent them updated financial information. We received a letter on Jan. 14 of 2010 denying a loan mod. On Jan. 15 we called in to find out our options and were told to send in updated information again and call back in a week. We sent in the appropriate information and called back to check on the loan, only to find out that Wells Fargo had foreclosed on our property and AUCTIONED our home off!! Apparently they have no legal obligation to let people know that their house is due for foreclosure/auction. If they had only told us this was going to happen when we called on Jan. 15, we could have short saled or done SOMETHING! Our entire retirement was tied up in the house (which, by the way, was NOT upside down, we had approx. $500,000 in equity!)... Something needs to be done to stop Wells Fargo Home Mortgage and get these principals and policies changed!!!!