Mortgage Servicers Predatory Conduct - Is Mike Ramos Asleep at the switch??

Abuses by "mortgage servicers", which are the companies that collect the mortgage payments, impose late fees, negotiate loan modifications and initiate foreclosures, are rampant.
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Around the nation (and our county) the stories are, and point to a pattern of behavior by servicers that is out-and-out illegal.
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Sheila Blair, the head of the FDIC, and other federal regulators are pushing to get mortgage servicing standards written into risk retention guidelines set to be released in the near future.
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One of the most frustrating parts of the financial reform game is how powerless most of us really are, most of the time, especially when the prosecutorial agencies are ignoring the millions of dollar in injury to pursue small time political figure abuses.
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What is sad, is that County prosecutors like Mike Ramos in San Bernardino County have NOT protected consumers under existing California law [e.g.California Business & Profession Code § 17200 et seq]. That entire section of the California Business & Profession Code prohibits false, deceptive and unfair trade practices and gives the prosecutor the power to seek an injunction to stop the abuses. While there are "special units" at the San Bernardino County DA's office and at the Attorney General's office, this issue is not even being touched (instead they are focusing on alleged fraud in the lending process)--the result, consumers are paying fines and penalties they don't owe, some are being dragged into foreclosure processes and in some instances not just losing their homes, but having their credit ruined for years to come, costing them more money to buy household appliances, cars and needed consumer purchases.
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Support Blair's effort to tell the government it's time to rein in mortgage servicers is a given, but call and demand your AG (attorney general) and the DA's office (Mike Ramos) start investigating the mortgage services for unfair, deceptive and or fraudulent conduct (like charging penalties not authorized in the contract signed by the consumer, being harassed by collector calls for mortgage payments not yet owed or for fees/penalties incorrectly calculated, refusing to meet and in good faith do work outs the consumers are entitled to be considered for under other state laws, being forced out of their homes by companies not authorized to do business in California--to name a few).
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P.S. For more info a good article to look at: huffingtonpost.com/2010/12/21/mortgage-crisis_n_799593.html