I had a lovely stay at Carmen and Fernando's apartment. I didn't meet Carmen because she was away for work, but her husband Fernando was great - very kind and helpful.
We shared dinner together all three nights I was there and he even gave me a lift to the train station in Bergamo on his way to work when I checked out.
They also have an adorable little dog, Rosita, who is sweet and friendly to guests :)
Highly recommended!