This case is also in the Legal Lounge under Washington Mutual and EMC/JP Morgan.
This is a clearly written order, and presents the exact same scenario that has played out in thousands of cases where the court arrived at a completely different conclusion:
The homeowner was current on his mortgage, but requested (numerous times) a modification. The Fraudster banks told the homeowner that in order to qualify for a modification, the borrow would have to be in default first and to stop making mortgage payments.
After following the advice of these known criminals, they scheduled a foreclosure sale of the home.
Luckily, THIS judge found "the conduct by WAMU appears to be “immoral, unethical, oppressive, unscrupulous or substantially injurious to consumers”.