Brief: J & R Lending original lender – sold (?) to Countrywide. Kitchen Top signing – Nothing Recorded at County Recorder\’s Office. Just myself and J & R Lending. BAC refused to fill out QWR X 2 – No Note. Says it went to MERS .. MERS says NOTHING RECORDED. Credit is a Mess cause of this. Have not paid BAC at all Stopped Payments to Countrywide 2 years ago.