I am a victim much like the ones I have read. I faithfully paid these crooks for 10 years. 3500 a month. I wanted a modification. They pulled everything they come to find out. Somehow my loan was switched to a 60 year plan? And not one penny went on the loan. So much more my story. But my characters are up. But they returned payments, etc. I felt so angry and cheated and they are still pulling stuff. I'm 61, my house should have been paid off. Now I starting over. I wish God would show up because no one else is to help us!!!