When a Philadelphia man became fed up with his bank for failing to respond to his mortgage questions, he took them to court and won. In a twist that will warm the hearts of millions with underwater loans, he moved to foreclose on Wells Fargo's local office. The saga began in 2009, when Patrick Rodgers first wrote to Wells Fargo, requesting itemized information about the mortgage on his home in Philadelphia. His homeowners' insurance provider was forcing him to take out a $1 million policy on his home, which he maintains is worth far less than that. Over the next year he sent at least four letters to Wells Fargo from June to September and got exactly no replies <snip> Rodgers did some research and learned that the Real Estate Settlement Procedures Act, or RESPA, passed in 1974, requires that a mortgage company acknowledge written requests within 20 business days, or face damages or penalties. So he went to court, citing the law, and received a $1,173 judgment against Wells Fargo. The bank did not respond to his action and he won a default judgment. Then Rodgers placed a sheriff's levy against Wells Fargo's local mortgage office for the judgment, plus interest much much more at link: http://abcnews.go.com/Business/philadelphia-man-forecloses-wells-fargo-mortgage/story?id=12932362 Got to love a person who knows their rights and excersizes them!