Fraud - Predatory Lending?

[Mike]

My fiance (the house and mortgage in her name) and I bought a three family house Sept. 2007. I knew what I was getting into and refused to sign a ARM. We went with 80/20. 7.5% and 14% +/-About 5 months later, we received a call from a operations person saying we had to refinace the second mortgage (20%) because there was a document we didnt sign. Not to worry though that they would be paying the closing costs and all fees. Also the interest rate would drop 2%. I was like WT**? :confused:We were looking at another property and knew that there would be a hit on our credit report for a new account. I told my fiance to cancel the appointment. At this point she is all worked up dealing with this operations guy. He told her since we cancelled the appointment at the end of the month that our prepaids would be higher. He also said there would be no hit to our credit report. My fiance gave in and rescheduled.There is no doubt that we were bullied and strong armed into this. I still dont know why or how. This is from a major bank, and they dont do subprim from what I read.1. How do we find out what happened.2. What recourse do we have to either modify the mortgage etc.?3. What responsibilty does the attorney have, I mean she gets paid to overlook the paperwor, and that is it. She represented us and the bank.