WELLS FARGO FINANCIAL Hosed again by Well Fargo , Internet

Our home loan is with Wells Fargo Financial, we refinanced with them in 2007.  We went through them because we received an offer online through our bank, Wells Fargo Bank.  I didn't know it at the time, but they are only loosely affiliated (basically in name only).  We told them that we wanted to lower our payments, they told us "no problem".  The process was pretty easy. I was a little concerned about the $9,000 in fees, but we got lower payments, so I let it go.  A month after we signed everything, I got a bill from my insurance company.  Wells Fargo Financial doesn't pay insurance or taxes, they never told us this, it was one line of text in the book we signed, but it was never mentioned.  I tried to fight them over this, but it did no good.