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so what you are saying is you could not pay your mortgage and it was someone else's fault, is that it?

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Yes. Long story short, I got screwed when Bank of America took over Countrywide. I had a 3 month deferment with Countrywide, but when BOA took them over, they wouldn't honor it, so I sent them 2 months' worth of payments, but they sent it back to me with a different amount requested. I sent them the amount they requested, but this money was returned to me, too. This scenario played out five more times before I gave up. Eventually, I entered the investigation that was being conducted and I was awarded $2000, but BOA got my house, which was originally purchased for just $70K.