Since the beginning First Niagara Bank has not sent us the proper notifications of what our options where in lew of foreclosure. They have continued to deny us each time even though they did not submit all the proper information at the proper time. For example, we were not informed about an option for Forebearance until after the 12 month time limit then were denied the Forebearance because it was after the time limit. They have also lied in phone conversations which I have asked that the recordings be pulled and a supervisor contact me but to date have not heard anything. I would like the foreclosure process cancelled and title turned over to us showing balance is fully paid as reimbursement for illegal actions and pain and suffering (I have anxiety and depression). I would also like an additional $250, 000.00 as complete restitution. I amunable to attach the latest letter sent as it is not a compatable file. If you need I can mail it to you just let me know. If you need further information, please contact me at [protected] or by email at [protected]@yahoo.com.