Sovereign Bank has done everything it can to ruin us financially. They gave us a forebearance plan when my husband was out of work. Then, when it was successfully completed - they said we couldn't afford a repayment plan and put us into foreclosure. It's taken all of our resources (and some other folks, too) to maintain these payment arrangements and they won't restructure, even though we tell them all the time we can't afford the payments. Can't wait to not have them involved anymore, and I hope they fold soon.