2007 was when Scotia Bank bought the paper I think. So some were thinking, perhaps that Scotia couldn't make the argument that the bank didn't know there were timeshares being sold there, and thus not authorized, because some bought even before Scotia became involved. Frankly, that entire argument that Scotia didn't know and didn't authorize there being timeshares sold there, up to the moment of the foreclosure, is all BS, but whatever. Can't see how they make that argument with a straight face..