If there were no documents, then it would have been a crime sub-prime or not. I don’t support criminality.
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The docs exist (or existed and were shredded) ,, the problem is that they do not reflect reality... the named parties on the lender side are wrong as the loans were table funded (illegal , assumed to be predatory by the TILA) ,, in my case the named lender had nothing to do with the actual funding or with the underwriting... therefore my loan docs show the wrong lender. This is common. The wall streeters pre-sold their bundled products and needed loans no matter how crappy... in fact the crappier the better as they bought insurance on them...
Thanks for the additional information and comments.