"Consortium of investors" is exactly what it is. It is most likely one company in particular but I can't remember the name. Start documenting because it will only get worse and you might have to get legal.

I recommend the podcast planet money and some of the old this American life episodes on mortgage. Planet money was started as an off shoot from this American life after they did a few shows in 2007. When things started really falling apart in august-September 2008 they were doing 3-5 podcasts a day. And I was listening every night. Not a good way to fall asleep! I went to Vietnam in October, 2008 and I was jonesing because you can't get iTunes there. But every day the dollar was sinking. Anyway, planet money was designed to educate anybody who wants to learn. I do not work in finance at all.

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