23. i don't mind bank taking a bit of a hit for their carelessness, but
i don't see the value in letting the homeowner have 100% of the mortgage free and clear.
a reasonable remedy would be for the the court to reinstate a mortgage as the parties originally intended, but have the bank pay for court costs and perhaps the homeowner's legal fees. but there's really no excuse for the mortgage not to be fixed AS BOTH PARTIES CLEARLY INTENDED.
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