I sound like a broker record...But is anyone listening?

I am beginning to feel that my postings are all the same. But the truth is that although the stories are similar the human beings behind are real. The mother, father, sister, brother, child, grandparent, spouse are real.
Just 4/12/2009 two more individuals told me their stories on the problems they are having dealing with the Banks:

Case I: Cannot refinance through Wells Fargo. Richmond, CA
Facts: Male, married, credit score over 700, not late on any mortgage payment. He has an adjustable loan with Wachovia who is now owned by Wells Fargo.
Storey: He has been trying to refinance to a fix rate. It has been over 6 months and the answer is always "give us more paperwork." The result is that he cannot finance because the price of his house has gone down by 30%, and therefore, there is not enough equity in the house.

Wells Fargo will NOT cancel principal, will not defer principal. I gave him the Acorn and HOPE numbers a few weeks ago, and he doesn't seem too hopeful that they can help. In a few weeks he will decide if he stops making payments.

Case II: Again, cannot refinance through Wells Fargo, San Jose, CA
Facts: Female, married, not late on any mortgate payment. Has a good interest rate (around 5.9), but is beginning to have problems making the payments after her husband was laidoff from work.

Story: She's connacted Wells Fargo and the bank tells her that they cannot refinance due to her ratios and because is not late that she cannot work a loan modification.