I submitted for a loan modification on my mortgage loan on 1/12/2009. As of today I have received nothing but requests for the same information over and over. They required me to add my insurance and taxes to my mortgage loan account, said it was part of the loan modification approval requirements, so I agreed... those 2 impounds were not required when I got the loan. This requirement INCREASED my monthly payments instead of lowering them, as the modification for a reduction has not been approved yet. It has been almost 6 months and they are STILL reviewing my file, I call every 2 weeks. Has ANYONE gotten their mortgage loan modification completed by Wells Fargo yet?? They assure me that thousands of customers have. I do not believe it. I am trying to keep current but this last blow, where they upped my payment over $200 a month to add the insurance and taxes has put me over the top...I will be in default soon. I tried to be proactive when I lost my job and had the disability but it has not worked out. Let me know, I think they are lying to us. Lets start something rolling. I emailed John McCain, my legislator, but got no answer back. Linda