Baxley’s certification [did] maybe not claim which he ha[d] individual training you to definitely Wells Fargo [was] the brand new owner and holder of your own mention. Actually, brand new certification [did] not give people sign how Baxley acquired that it alleged knowledge. Brand new certification also [did] not suggest the cause away from Baxley’s alleged studies the attached home loan and you can note [were] “genuine duplicates.”
In that way, however, i listed that “[i]f properly authenticated, these documents you’ll [was] located sufficient to expose one Wells Fargo try an effective ‘nonholder during the palms of [note] who’s new legal rights off a proprietor.'” Id.