NEW: New document found, "Alonge to Note" WTH??

[Social Apocalypse]

my original threads on my rescission are no longer available, so I will just add here that we rescinded our loans.

Didn't receive appropriate response from either lender/servicer.

Now things are heating up, I have their attention, and now they sent copies of our Note... but with a twist...

There is a final page in the stack of docs (each with our initial EXCEPT this new final page) that is titled "Alonge to Note". (I had to look up what this meant, never heard of it before). It means an additional page to hold more signatures basically, when needed, but rarely used in this country.

Ok, this caused me some pause.... because it has some very interesting information on it, NOT signatures;

Dated May 31, 2006 (date we signed, but it was NOT at our closing, and not part of our closing documents)

In favor of Wilmington Finance (our original "lender")

And executed by: (My husbands name and mine, though how that can be when we never SAW the document, I have no idea)

Our property address

Pay to the order of: Morequity, Inc. (the lender who bought our loan 6 weeks AFTER closing!)

without recourse: Wilmington Finance, Inc.

By: Odra Hidalgo-Diaz, Designated Signer

WHAT I WOULDN'T GIVE FOR AN ATTORNEY.

Any thoughts as to how this might affect Wilmington Finance's claim that they were not part of AIG at the time we closed our loan so we are not entitled to restitution through the office of thrift supervision? Because Morequity certainly is ALL AIG. They are our current servicer. WHY are they receiving funds from Wilmington from our loan when our loan docs say that Wilmington is the LENDER???

More weirdness.

[Moe Bedard]

Your old thread is still live in the search engines, just not accessible from the forum here because I wasn't getting enough attorney help.

Yeah weird. This gives them authority to sell your mortgage without you having to sign since you agree to this when you sign your loan in the fine print.

Why don't you challenge ownership of the note yourself?

[caldwellb02]

Reminds me of the loan app I found in my docs that are signed by Long Beach mortgage, not signed by me, but that doubles my income. At the time they approved me for $50,000 more of a house than I bought.

[Social Apocalypse]

Thanks Moe;
I have MANY times longed to challenge the note myself. I just can't muster the confidence to do it, I don't know how, even though I have learned so much. I am told by a very prominent, skilled attorney here in Washington State who notoriously knows this stuff to handle a "produce the note" in bankruptcy, and she said that the bankruptcy courts are actually the most comfortable with it because they are so well versed in consumer protection laws. Makes sense to me.

If I knew how to challenge my note, I think I would. It's so clearly not available... SO excited about the Kansas ruling. I hope I see one here in the 9th Circuit Court, THEN I would feel more confident. We have a crazy system (my husband calls it the 9th Circus Court). I know you're in it too, so you know.

Thanks for all you do, it's cherished.