I'm surprised you have yet to even receive an NOI in Washington and this could very well be the reason they have not attempt to initiate foreclosure proceedings. Have you checked MERS to see who they have listed as the owner of your mortgage?We have not received a NOI or anything. I am wondering if it is because, when I look at my county recorded paperwork, that MERS in listed on the title as well as the company who gave us the loan than apparently sold it to Wells Fargo in days after closing.
Also, I sent in a letter asking who owns my note back in June and never heard back from Wells Fargo. I am wondering if I have one of those notes who no one owns so their hands are tied?
Here are some helpful links you can use to determine who owns your loan. Chances are you will not find the loan in the Fannie or Freddie links but you may find it in the MERS system.
Does Freddie Mac own my loan? https://ww3.freddiemac.com/corporate/
Does Fannie Mae own my loan? Does Fannie Mae Own Your Mortgage? Loan Lookup Tool
You can check the MERS system database to see if your property is in it here: