[TSgt]

Servicers should be eliminated and banks should bear the full responsibility for the mortgage. That said, there is an element of personal responsibility, checking statements, escrows, etc..

What a mess...

[longtermmemmory]

or servicers have to have complete and unfettered compromise authority and without that authority they can not file the forclosure.

AND

for mortgages specifically, original promissory notes. NO e-copies.