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well hello and welcome to our video my name is John Watson a consumer protection attorney in state of Alabama and Im very excited to bring you this webinar because I have been asked so many times by consumers and even by other lawyers how exactly do you use a notice of error or a quest for information letter under the federal law of RESPA or ESP a and this is a law we use when were dealing with our mortgage company and specifically we use these letters when our mortgage company is violating the law or is acting in a confusing way or its trying to do a foreclosure when they have no right to do the foreclosure so thats what were going to cover in this webinar well talk very briefly because we have other videos on this but very briefly about respite and then well really get into the theory behind notice of error letters and requests for information letters the main part of this webinar will be to go over some sample ones and you should have been able to download those if you have