No legal advice, but if your loan was set for investment property and the utilites were on someone may have jumped a bit to quickly. On the other hand if the records indicate the home as a primary residence and appeared abandoned, you could have another issue to work out. Laws in your state may be differant from mine. Since I am a Realtor not an Attorney and not in your state my first suggestion is to contact a local real estate Attorney to see if you have a case.
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