C. and her husband are a young couple who moved into their first house just a few years ago. Unable to manage their mortgage payments, they asked their lender, PNC Mortgage, for help. The bank offered them a monthly payment $500 higher than the mortgage they couldn’t pay in the first place. Their house has sat empty and on the real estate market since January, waiting for a buyer to come along for a short sale. One did, and the nightmare is almost over. Or it would be, if PNC would just stop calling the couple and any relative whose phone number they can find, almost every day.