Hi Ervin, we are not Lawyers and strongly suggest you seek professional legal advice. In our experience if the rule was broken as here you stated then the bank would be violation of the rules and you may be able to file as such, again an attorney who is experineced with this type of issue would be the one to contact
All the Best
Dave & Lisa
For an accurate answer, consult with an attorney who specializes in real estate--most professionals do offer a free consultation, or, if you can't afford one, contact the local Legal Aid Society for a pro bono attorney--free.
Ervin that is going to be best answered by an attorney who practices real estate law in NY. Depending on where you are at in teh foreclsoure process it could make them start over or void it. The attorney would be able to gove you proper guidance. You could also check to see if there is a non profit in NY that assist home owners on your situation at no cost. Good luck on working things out.