I do not practice in Ct. However, you should be able to use this information to your advantage in attempting to either modif y your loan or negotiate a new payment. You may be able to file a quiet title action or threaten to file a quiet title action in order to get leverage in your negotiations. In addition, you payments have not been properly accounted for the loan servicer may be liable for fair debt collection practices act violations.
The Bank will assert that MERS is acting as a nominee for your original lender. However, the authority of a nominee should expire when the original lender ceased existence. The assignments should be invalid and any attorney that would rely upon the assignments would be filing a frivilous action or abusing process.
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It is not sure there is a legal question in here. Certainly the Bank has to do many things after it ceases to "exist" in order to wind up its affairs. Yes 4 and a half years seems ridiculously long and strongly suggest laziness, indifference, sloth and a general lack of attention to things that matter. On the other hand it doesn't have any apparent impact on the main question. Did you make the required payments at the required time?
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