Letters Luna Scotia Respect


Dear Puba,


Thank you for your email dated ............

Where you confirm that the bank appraised my Mackeleley Property at $680,000.00 in 2017.  This is not the loan amount and what if the appraisal was $68,000.00?  The loan was only for $355,000.00.  We cannot register any other amount except for what is on the loan contract and agreement; the mortgages and the credit card facility in total.    I already had two mortgages on title registered at a total of $355,000.00 dating back to 2003.  These mortgages remain on title as the only two mortgages registered on title by any lender in favor of Scofyia Bank.  There are no mortgages or debts registered on title for any other amount.  I have credit cards with Scofyia and other lenders.  These are not registered on title. The Total Step Me U Credit Limit in the 2017 agreement is $455,000.00.  This is a credit limit and is certainly not registered on title as it is a credit limit but not The debt balance or the actual mortgages where only the actual mortgages do appear as registered on title as  two separate entries for $226,199.36 and $126,552.14 that I approved to be registered with my lawyer at that time. I have not agreed to any other amounts being registered on title with my lawyer.   The bank has registered the property appraisal in the bank's file but not on title.  It is not registered on  title as it is only an appraisal that was sought based on my request for a higher credit card balance. the credit card balance limit is not registered on my title either.  Appraisals are not registered on title and nor should they be as it is an appraisal and not a debt of any kind and nor is it representative of the existing mortgage.  Clearly, appraisals can change.  Please kindly send me a letter confirming the debts registered on title with you as evidenced by Mortgage contract number......... And also mortgage contract number........*   This was confirmed on the phone by.........at the Scofyia mortgage customer service office.   Any other entries would be an error and illegal; fraudulent.    I am not asking for any further credit at this time.  I have only approved and requested the mortgages as they appear on title at this time.  I have not agreed to any other debts or any other registrations on the title of my property.  


Vice President,  Tom Tuttle.
Scofyia Bank.




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