Aceves v. U. S. Bank, California appeals court decision that bank's oral promise to work with borrower on a loan modification IS enforceable if the borrower relies on that promise and changes his/her position based on that reliance. In other words, if the bank told the borrower the truth about foreclosure going full steam ahead despite the loan modification request, would the borrower have done anything different?  If so, then the oral promise by the bank is enforceable, and foreclosure was wrongful.