I previously reported this but this site has the actual respa letter he used. AWESOME and KUDOS to the homeowner.
Man Forecloses On Bank - And Wins - Home - The Daily Bail: "Video - How to beat your bank and stop foreclosure - Feb. 21, 2011
A Philadelphia resident foreclosed on Wells Fargo's local lending office and won.
Yes, we said 'foreclosed.' How did he do it?
He utilized a RESPA letter, which we have included below."