According to public records your lender filed a Notice of Default in Aug of 2009 and then a Notice of Sale in December that was later canceled. They again filed a Notice of Sale in April with a May 5th sale date, they can postpone this date out each month at their desecration but unfortunately they do not have to send a new notice for each of the following sale dates. I have a lot of people that are in loan modification and then when they get declined they foreclose on the house the next week, because the homeowners were not aware of the current sale date. It looks like on 8/20 it went to auction and reverted back to the bank.
As the others have said you can contact an attorney to make sure the lender followed all of the applicable laws in the handling of your property. If you would like me to email you copies of the public records pertaining to the foreclosure please feel free to contact me, I would be more than happy to send them to you.
I'm in the similar situation now. I had the same bad experience with my bank when i tried to work them for settlement. And now my house was sold in foreclosure auction.
Do you have any good advice? Were you able to save your house?
Sounds like you are upset about the sale. Heck, I would be too. A lot of agents giving you good advice to try to save your home due to lender error. You can try this, or worse case just move on. Obviously, you weren't able to make your payments, and you probably dont have any equity in the house anyways.
Here's what might happen next. You will get a knock on a door from a Realtor, trying to work a cash for keys program to you. Ask the maximum, I think its around $5000. Tell them you want that to move and you will keep the house in good condition. Take that $5,000, and look for a rental.
Fix up your credit, work hard and save money. Oh and did I mention, your stress level with be gone since you aren't forced to make a huge mortgage payment on a home you have no equity in?
Thats my 2 cents, take it how you want. But on this and all my comments, I tell the truth on how I really feel and not some sales pitch to try to earn business.