Wells Fargo Watch

I found out why WF will not contact me and help me do a work out on my loan. I am 5 months behind, they took out without disclosing to me when I got the loan a PMI policy. So it is in their best interest to foreclose, they get the PMI payout, they take the house and sell it at current makret value, plus they took the 25 billion bail out..... what a scam.
I am a realtor and have tried to help many people with short sales and keeping them in thier home. I always had difficulty with Wells Fargo. Then whey I fell behind on my payments I was contacted by Genworth (the pmi co they use) that they would negoiate for me because they held the policy on my home. I went through my paperwork and statements and PMI does not show anywhere...I figured out the in my opinion the scam they are running. I have ttried to contact those I think should investigate this, everyone tells me to hire an attorney. If I hadthe money for an attorney I would be able to make my payments. Then WF finally called me after I mentioned PMI to them, offered me via phone, would not e mail, fax or put in writing what they offered. It was this, from 30-40 yr, 7-5% adding 18,000 on to loan amount, wouldnt tell me what it was for. Said I had to make 3 payments and then they would modify the loan. Next day said investor changed thier minds 30-31 years 5-7 % adding 18,000. They said I would get a letter. I did today, it says 3 payments of the $2666.00 for three months and june 16th payment due of $17,000. They said this was our agreement per our phone conversation. This is not what they offered on the phone, nor did I agree to anything. I have no clue the APR if escrows were included or anything.....In my opinion it is failure to disclose, and what make sthem think I can afford all that when I couldn't make the 3300.00 payments since november. How can they take bail out money and then scam people like this. This is my opinion based on my personal experiences with them. Any advise?