[as much a test to see what happens when I respond via email rather than on the group]I have hesitated to challenge MERS. Not because I think you are wrong in your analysis (althought it is not quite on the mark, I think), but rather because there are just too many cases that say that since MERS is named as the beneficiary and nominee, it has the right to commence the foreclosure. That hill is very tall.I suspect that it will have to be climbed, though.Perhaps a better way to attack it (although you have to get by a demurrer to do so) is to get the MERS agreement (I think I got it off their website) and see what it is that they are actually a nominee to do. They have to be appointed as an agent to do something.Another is that unless the successor to the original lender is also a MERS member, how can MERS be its agent. I can not appoint you as an agent for another. That relationship requires the other party's consent. If the successor is not a MERS member, I wonder what that means?Mark