I keep all of my edocs received for 6 months just in case there's a question. If the company has revised the TIL and is trying to get you to go back out for free to "correct your mistake", you can easily compare the one in the original edocs you received with the new one they want you to have signed. If there's a difference, you can say "Gotcha!" to the company. If not, it's hard to refute their word against yours. Anything could have happened at the company - they could have lost the signed TIL or spilled coffee on it or accidentally shredded it or whatever. Or it is just possible that somehow that doc didn't get signed at the closing.
Consequences of a loan not funding can be pretty drastic - expiration of locked-in interest rate, higher payoffs on the previous mortgage and other debts being paid off, etc. So it can be a serious problem if it is the notary's error.
Hope this works out for you. I've been accused a couple of times of not getting a document signed or leaving it out of a returned package, and luckily because I had the original edocs packages, I was able to prove that particular doc had never been in the package I received. Good luck! |
