Terie,
I can feel your frustration...I'd be livid if WF took the liberty to add in expenses that we didn't really have. Did you call them to check all the numbers in their system? Maybe they miss entered the amount for gas and maybe they will reconsider.
The Obama (HAMP) program guidelines on available here:
http://www.treas.gov/press/releases/...es_summary.pdf
Do you meet the DTI ratios? If so then you should point that out to WF. I know it's been suggested before but I'd call WF executive team first thing in the morning.
Do you have your story posted on another thread? I don't want to ask a bunch of questions that have already been answered.
Good Luck...Keep us posted!