This also appears to be a good action step (e.g. getting your own appraisal)

Thanks Jeff. You already know the bank and problem I'm dealing with. Yeah, they havnt stopped. How are your rates these days? I would really like to go after them and have several interested attorneys willing to do it on contingency. They have violated a few federal laws since the above happened. If you might be interested and want more details give me a call. - jayne, deland