I am in foreclosure with Wells Fargo. My original mortgage was made July 3, 2002. However, I received a letter from their attorneys stating that I had 30 days to dispute the note and request a copy of note and mortgage dated August 21,2003. I do find "MERS" paperwork in my records with this date and my copies are unsigned. It appears to show the original loan amount from the year before. I remember my original mortgage company selling my loan about this time. I was not behind on August 21,2003 but must have been asleep to not notice no change in priniciple. My loan has transferred since 2003 and Wells Fargo is 3rd or 4th company to own it. Is the 2002 note the one they must produce or is this 2003 MERS paperwork valid? Wells Fargo says they are working on HAMP but foreclosure is proceeding.