What do you do when the company you trust with your mortgage turns their back on you?

We have a VA loan through Wells Fargo at 7.5 percent interest. We took this loan out in 2000. In February of 2007 the only vehicle we owned at the time had to have the transmission replaced costing us $2300.00. My wife and I rode together to work as we worked only 2 miles apart from each other and the same shift. I contacted Wells Fargo and reported this as we would have to skip a payment to get this done. I asked if I could make this payment up and get back on track. They informed me that the "loss and mitigation dept." would review this and get back to me. I called twice a week for 14 months to get this resolved! All this time both Wells Fargo and VA told me to NOT make a payment until they knew what they were going to do. In the mean time, they contacted their attorney and began foreclosure. I pleaded with Wells for months to help us resolve this issue.

I finally received a letter from Wells informing me of a repayment program that required us to make a payment of $1580.00 per month for 24 months. This is on a $106,000.00 loan! Every payment we make shows as late even though they are on time, and of course we had to pay for their attorney fees, late fees every month and penalties. It is very difficult for us to continue to make this payment and we are just wondering if there is any prayer for us to keep this home?

To all those who responed, thanks for your thoughts and wish's. We are still fighting the good fight. Wells has once again found a way to bring us more trouble. Three days before Christmas we recieved a letter from thier attorney explaining thier forecloser intent. We have contacted a company called "Lifespan". This was recommended through these very same attorneys. They are a free service and ( as they say) have a direct line to Wells. I have also contacted an attorney for ourselves. We will NOT GIVE UP. Just for all those who may be dealing with the same problems, we will continue to keep you informed of our progress. Happy New Year!

Update: we have contacted legal aid and they have accepted our case. We also contacted Lifespan, they put us in touch with others that can help. It turns out that Wells Fargo doesn't even own the note to our home! They have filed forecloser on several properties that they don't own! I would encourage anyone going through this to follow the same tracks. We will keep you informed.