My question involves a foreclosure in the State of: IL
Being that my home is currently in foreclosure I decided to have a forensic audit done on the copies of the loan documents I received at the closing in 2003. The results found that during the closing I had signed and dated the ďI Wish to CancelĒ line on ďThe Notice of Right to CancelĒ page. I was not aware of this at the time, nor was I informed of it at any point thereafter.
Prior to this I had also requested and received a copy of the mortgage documents from my lender. When checking their copy of the ďThe Notice of Right to CancelĒ page, I noticed my signature and the date had now been lined out and the change initialed (with my initials). Apparently the lender had made these corrections without my knowledge or consent sometime after the closing, as these changes do not appear on the copy of the original loan documents I received at the time of the closing.
Is this a violation of federal law/regulations and if so, which one(s)? Is it actionable and can it be pursued while defending the foreclosure action on my home?
Please advise. Thank you very much in advance.