(preferably a contractor you know, give them a digital camera and a pocket voice recorder and ask them to visit and give you their opinion.Example...

EDIT: adding: most good info does not come from in-person meets.

I would think Wells pays more attention to legal demands than HSBC so you might actually get somewhere with a demand letter to them.I might be able to help with the last four digits on the SS#.

[editing post to remove contact info]

Especially to my brother who is the talent behind the camera and editing.

I think it's completely ridiculous how you cannot edit or revise your posts.

@Ned Carey  point on Title is we have title plants that are all digital and in the title companies main office.

I Walk a property with a digital voice recorder and note, in five recorded minutes (by using the pause button while recording) what a building needs done to it.

I'll edit/setup my keywords to get more info.

Due to the age of the system (16 years outdoor unit) (11years air handler) and the current EPA phase out of the old r22 refrigerant I recommend the heat pump system be replaced.”Neither company is willing to replace any parts on the unit due to the age and not being able to warranty them.Here is the scope of work for the price of $3750Install one new indoor air Handler with 10kw heat strips,Transition duct work to fit the new air handler,Install outdoor heat pump,Connect all high and low voltage wiring to indoor and outdoor units also to the thermostat,Install in-line PVC P-trapClear PVC drain line,Evacuate system and charge with refrigerant,Check/test system.Install Honewell digital programmable heat pump thermostatComplete system install will come with a 10 year all parts and labor warranty.What do you experts think?