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Deliver initials default

please the court Leslie I'm conklin for the homeowners Stephen and Esperanza Dada's this case come to you on a final judgment from a second motion for summary judgment followed by achieve a credit union this case was initiated December 14 2011 on a complaint to foreclose mortgage and in the complaint of course they alleged all conditions preceding were complied with and they were actually by the time the second motion for summary judgment traveling on an amended complaint comenda complaint had for exhibits attached to it the note a forbearance agreement the mortgage which was a standard Fannie Mae Freddie Mac which included a paragraph 22 and correspondents from achieva to the had Addison's dated October 19 2011 I think it's evident to the court that that letter did not comport with paragraph 22 know where it did provide for Kieran I always called that notes under paragraph 22 the notice of default and 30-day opportunity to cure because that's the two parts tell the people so they can retain their home within the four corners of that letter what they did wrong how they are to cure it and give them a 30-day period in which to do that and that allows them to save their home prior to the filing money foreclosure case the sequence I want to make sure if I understand the sequence they get into this agreement they're able to pay their mortgage then at one point difficulties occur where they enter into forbearance agreement with the lender and the forbearance agreement as I understand the record they complied and they fully paid within that terms of the agreement correct correct and made the next 19 regular installments before they default all right and so the question is before us as to whether or not that a graph in the forbearance agreement in essence there was a finding by the lower court that that waived all future notices so let's zero in on that we talked about that they went ahead they they paid for 19 more payments so two years later is one day the public differ update okay okay no question about that and that's not an issue before report so keep in mind and what i thought was critical was not just ends the cords aware you're reviewing the agreement de novo because your eyes are just as good as the circuit judge who reviewed it but I send out a request for admissions early on in the case I asked only three questions first what this action was filed in December 14 2011 they timely respond admitted second of it the copy of the correspondent stated October nineteen twenty eleven from plaintiff two defendants is plaintiffs notice to power pursuant to paragraph 22 of the Florida single-family Fannie Mae Freddie Mac uniform instrument data's December 26 2006 and which is a subject matter this lawsuit my argument both below and to this Court is why in the world would...