i didnt keep copies cause they said they’d send them online.
when i refinanced, the y didn’t say they wouldnt be online anymore.
the agreement says i agree to give up paper copies for online access.
at the very least they should have sent me notice that i needed to print it out and wouldnt have online copies anymore.
i really dont see this as my fault.
they have to send me a copy.
look at it this way. what if it were online for 1 day, and i refinanced. would i have had to have printed it out for the few hours it were available online?