Wells Fargo Home Mortgage in K.C MO Placing me into foreclosure after I did not accept a modification plan 9 months later; from the time I applied... Des moines, Iowa

My name is Charise and I was a proud homeowner 5 years ago, when I was approved for my home loan.   Now, after dealing with Wells Fargo I feel as if I was taken advantage of.  It started with finding out that Wells Fargo provided me a Home Inspections with people they hired for me and I paid for, stating that my home was in good condition.  But 6 months later after signing off on it, the ceiling started leaking and gotten worst.  Then in June 2010 I found myself in foreclosure proceedings after losing my JOB, and was told to apply for a modification at that time.  After doing so I never got a response back in regards, so I started making payment arrangements myself to bring both loans current in December of 2010.  At that time payment arrangements were setup and as I stated by January 2011 I brought one loan current with payment arrangements to bring other loan current.  But in Jan. 2011 I received a call from Wells Fargo mentioning the modification and I at that time told them that I have already taken things in my own hands and is in the process of bringing loans current as shown already.  Three days after the call I received a statement from Wells Fargo stating that my home was in foreclosure.  So when I called the company to question the letter, I was told that I needed to cancel all payments arrangements and that they will no longer be able to accept any payments while in foreclosure.  I was upset!  So, while trying to understand what had just taken place applied for assistance with NACA home save program.  But the problem is; I now owe more money now then before.  NACA recently requested a forbearance and while waiting 4 months I finally was approved by Wells Fargo.

The proposal stated that I have 3 months to get decrease expenses or increase income.  No action as far as payments needed.  Now, that was given to me on 4/25/2011 but, than I received a statement for payment to be made on 4/29/2011 by Wells Fargo on 4/30/2011.  After notifying NACA I was sent another letter stating that my payment is more then the original agreement that they wanted me to agree upon on 4/25/2011.  NACA stated that they don't know what Wells Fargo Mortgage is trying to do, but they are not looking at their own proposal that was sent.  They are informing me that if I don't make that payment mentioned that I will go back into foreclosure.  Wells Fargo is a complete rip-off and I wish it was more the people could do to get some of our money back !  Now, when I thought everything was going okay, Wells Fargo knows how to ruin your day!