Had a XXXX mortgage with XXXX Mortgage and had a XXXX with HFC/HSBC. Did a consolidation of the XXXX and XXXX in XXXX with XXXX which turned out to be a fraud predatory lenders loan. Even though this loan almost put me and my wife into bankruptcy in XXXX XXXX, and XXXX file foreclosure in XXXX XXXX. On XXXX XXXX me and my wife send XXXX XXXX XXXX a letter in pursuant to Section 6 of the RESPA. 
Demand was made for all records electronic or otherwise, assignment of ours mortgage, promissory note or servicing rights to our mortgage including any such assignment on MERS. 
All deeds in lieu, modification to our mortgage, promissory note or deed of trust from the inception of our loan to the present date. 
The front and back of each and every canceled check, money order, draft, debit or credit notice issued to any servicer of this account for payment of any monthly payment other payment escrow charge fee or expense on this account.H XXXX did not send us the proper answers back for our request. 
Me and my wife chose to go through the state of XXXX foreclosure mediation program in XXXX XXXX and out of the mediation XXXX agreed to do a short pay off of the mortgage to us for a {$150.00}, XXXX out of the {$330000.00} that we owed with no deficiency. XXXX refused to refinance the loan and Our credit was ruin because of the foreclosure procedures that we had went through. On XXXX XXXX, XXXX we received a recorded release of deed are canceled mortgage from the documents released administrator in referenced to about loan # XXXXhas been paid in full through our company. XXXX XXXX Mortgage. Also enclosed in the papers was a Substitution of Trustee and Deed of XXXX. This was recorded in the XXXX County Courthouse recorders office given XXXX XXXX XXXX and XXXX XXXX XXXX husband and wife as joint tenants with Right of Survivorship. 
( Inst # XXXX ) We also have the original Deed of trust ( security instrument ) Have not made mortgage payment since XXXX XXXX XXXX have sold the loan to caliber home loans in XXXX XXXX. 
Have a recorded document XXXX County from caliber home loans notice of breach in default and election to sale inst # XXXX.