Yes, all of this can be true. The question you must answer is whether this information will help you respond to the foreclosure action on your home. It could potentially help to defend the foreclosure, but it is more likely you will have to file a separate claim on the matters you raise here. Such a claim is often very difficult to win and potentially very costly. You should contact an experienced foreclosure defense attorney to advise you on this.
I agree. It is possible that you might have counterclaims against the bank, and defenses to the foreclosure. In these cases, there are often other factors that would help you defend the foreclosure. For now, avoid getting a default judgment entered against you, and talk to an attorney that handles foreclosure cases. Good Luck.