Here's my story....First let me say I am not late on my mortgage. .....Wells Fargo took my insurance award that they held in escrow and placed it towards my principal mortgage. Because they did this, I cannot fix my house. Because I cannot fix my house my home owners insurance cancels tonight at midnight. I am sure they will institure forced placed insurance which will cost so much that eventually my home will be theres. There is enough equity to make it worth their while. I've contacted the OCC and the treasury department. Any other ideas?