yep, smoke and mirrors, some slight of hand and mumble jumble language, keyboard entries of a bunch of numbers with zeros....but the legalese, ahhhh the legalese and that oh so coveted 'signature' on the the application, the promissory note and the mortgage.....folks, you paid for the house, the car, the cottage, the snowmobile, etc, it all balanced out to ZERO on their books, nothing is owed. Your signature was the 'credit' and they deceived you into paying back what was already yours with interest. ASK the bank in a certified letter to send you the evidence of the debit/credit on your 'loan'. It will be zero. And then ask them why you are paying back all that money with interest. Do your research, send your letters and then LETS START POSTING YOUR FINDINGS. Want to take this unholy shit show down? Strength in numbers folks!
Then do the Stewy routine and ask 'where's my money'? It is coming undone, but it will take awareness and acting peacefully, fraud vitates everything.