Would you believe Wells Fargo is sending us BACK our money and keeping us in FORECLOSURE?!?!

We have faithfully paid our mortgage on time for over 5 years. Recently we fell behind on our house payment for 90 days due to layoff and under employment. We have tried over and over for mortgage adjustment for 15 months with no success. When Wells Fargo notified us they were starting foreclosure we scrambled together the money to get current and they accepted payment to bring us current. Three weeks later they notified us that we were still in foreclosure and were sending us BACK the money we paid them!

Here's the timeline:

January 2009 - after one of us was layoff and the other became severely underemployed we started applying for mortgage adjustment. 15 months later and hundreds of dollars spent faxing document after document to Wells Fargo they still refused to modify our mortgage even though we were making all the payments, barely.

December, January, February 2009 - 2010 - We were unable to make our house payments for those 3 months and CONTINUED to reapply for mortgage modification. Wells Fargo paid our property taxes and sent us a new statement with monthly additional amount to repay the taxes.

March 2010 - We made a partial payment of $2, 000 (out of the monthly $2, 400 due) but Wells Fargo refused to apply it saying they would hold that money in a "suspense account".

April 2010 - We were notified that they were going to start foreclosure proceedings and we received a letter from a third party legal firm with many additional charges. We called Wells Fargo to inquire what we owed in total so we could try to get current. They gave us an amount and processed our payment of over $8, 000 to bring us current. We called every few days to confirm that we were current and they always said "yes, your loan is current". We began to breathe a sigh of relief, continued to request modification and made a full house payment for the month of April WITH the added amount towards repaying the property tax. We thought all was ok, although it is a huge struggle to make our house payment.

April 20, 2010 - We did our routine weekly call to check on the status of our request for mortgage modification only to find that we had been denied AGAIN. We ALSO found out that we were "still in foreclosure" even though they confirmed over and over that we were "current" on our payments. We were of course stunned and extremely upset. We said we couldn't believe what they were telling us and maybe we should call back and record the phone conversation... to which they replied "you can't record these calls and if you do they would be "inadmissible in court"!! So now we're in limbo, unsure if we'll lose our home EVEN THOUGH we got current with all the payments right when they notified us of foreclosure proceedings!

Seriously, they have our money, we brought our loan current... isn't that the POINT?
Why on EARTH would they send us BACK the money and keep us in foreclosure??????
Can you help us expose the lunacy here???