In case # XXXX, SPS cites a clause in the original note that supposedly gives permission to pay off a superior lien, but the clause also states that the first lien must be in default, which my first mortgage was not. I was in no danger of foreclosure by XXXX XXXX. 
Therefore, the " protective advance '' was a cash out refinance, entitling me to a three day right of recision. Also, I was never given any documents itemizing ANY disbursement of funds, which is also a RESPA violation entitling me to an extended right of recision. 
