Blatant sabotage or bureaucratic B.S.?

I was reading a post by Nick over at ForeclosureFish this morning that grabbed my attention.

In that article he illustrates an example of just how difficult it is to work with the lender's Loss Mitigation Departments.   True story, Nick!  I wrote about a possible paradigm shift that could happen if the lenders were a little less short sided, HERE.  Don't hold your breath.  Unfortunately they are not going to be changing anything soon.  

But here's what Nick said that caught my attention.  He proposes that some of the loss mitigation departments are intentionally doing things to force homeowners into foreclosure.  Both tactics relate not to the payment of the loan itself but to the outside tangibles, Taxes and Insurance.

He cites two different ways:

1. Lender places a forced insurance policy on a property, and
2. Paying the property taxes late and charging the late fees to the homeowners' account.

Personally, I have not seen this in action.  I wonder if it's more of a case of one department doing something that has a negative effect on the other.  I'm not sure the Loss Mitigation people have the ability to place forced insurance or pay taxes.  I encourage you to read his post.  If this, or anything like this, has happened to you - I'd like to hear about it.