Midland Mortgage

A loan modification agreement turned into credit report nightmare. I agreed to a loan modification with payments being raised and have made every modified payment on time since the time of agreement. Midland Mortgage continued to report my payments as past due for 20 months, although my payments were sent on time every month. My calls have not been answered and I have sent another letter by fax to the loss mitigation department expressing my issues again to no avail. Their credit reporting has put me in a financial position so no other mortgage company is interested to refinance because of my now bad credit score.

It took 15 months just to get a 3 party authorization change on his loan, removed. We got control of your finances. We called to have these people taken off our loan. They told us to mail a letter and have them removed. This was Sept. 2010. I waited a week and called (like it has been stated above it takes forever to reach anyone). They told me that they didn't have the letter, so I waited for a long time until April 2011. I asked them what was going on. They told me they never got the letter. So, we sent a registered letter (so I knew who gets it). I called and they said that they didn't receive it. I said, "What? I have the card right here saying who side for it, what time." They still said they didn't have it. Then, they said to fax it, so we just let it go.

This last month I called and asked what number can we fax this letter to. They gave me the number. We typed out a letter and Brad signed it, and we faxed it to that number. I logged in to our account and there they were still there. I called and asked what was going on. I've seen that it was posted that they got it on the 8th. Well, now it posted that they received the fax, but they didn't know where it was, and that it would take 48 hours to post. I asked, "What?!" You posted that you received the fax, but you couldn't change. Go a couple of screen and change it. It was written out what we wanted, what the heck.

I waited until the day. I logged in and there it was again. I called and asked him what was going on. After fighting with the guy because he wanted us to send another fax, I told him that I wasn't sending another thing that's going to cost money. We had done all that they had asked and now you want us to go through this again. Forget it not happening. Finally, I said to him that I work for a mortgage company, so don't tell me that you can't. And I told him that if something isn't done, I was going to call the BBB. He said to go head. I said, "Let me talk to a supervisor." I waited for 18 minutes while he wanted to fight with me.

After telling him I wasn't paying any more money out, he hung up on me. I called back and got a lady. I asked for a supervisor and I was put though. Well, I had explained myself one more time, and by this time I was upset. She said that it was being changed as we spoke. I thanked her, logged back in, and there it was gone. This took 15 months.

The opening agent was Lori ** and the closing agent was Andrea **. The closing was on October 26, in which a promised $690 interest rate credit was not given and an additional undisclosed fee of $475 was added.

Throughout August, interest rates fell. On August 24 at 2:25pm, I called Mark ** and asked him to lock the interest rate at a lower rate. Mark explained that I could keep the rate at 3.875 percent and receive a credit for $690. He said that I should confirm this by sending him an email, which I did at 2:53pm.

On October 20th, Mark informed me that he never locked the rate as I had requested, he would not honor our agreement, and claimed that interest rates had risen so that only $150 credit could be given. I forwarded the email to him, however he ignored it and would not respond to my request. The 15-year rate fell from 3.44 on August 26 to 3.26 on October 7th, so I found his claim that rates had risen questionable. Mid-Island Mortgage did not issue any interest rate credit at the closing.

The GFE had an application fee of $545, and $2,200.64 in additional fees. Without any disclosure Mid-Island Mortgage added an additional "document fee" of $475 to a legal firm hired by Chase known as Reis Cooper LLP. This non-disclosed fee added to line 105 on the HUD-1 is an additional 17% of the total GFE fees. Furthermore, the mortgage with Chase doesn't disclose a prepayment penalty. Lastly, the title insurance was $400 in the GFE and $462.72 at the closing. Total Losses that should be reimbursed: $1,227.72.

Mark ** and Lori ** were misleading, evasive and overall unprofessional. My wife and I have more than 100 emails and made about as many phone calls with Mark ** and Lori ** asking for status updates because they rarely answered the phone or replied to messages. I had also specifically requested in numerous prior to emails and phone conversations that the mortgage be processed and approved having an appraisal on the property completed. Despite this guarantee by Mid-Island Mortgage, Lori ** continued to ask me for more information for their underwriting team to approve the loan even though she had said that it was already approved before. While I responded to all of their information request immediately, their tactics dragged the process on for nearly 3 months. I asked them numerous times via email and over the phone to resolve these issues, however they refused. Whatever you can do to help me recover the lost money would be greatly appreciated.

We had roof damage and contacted our insurance company. They assessed the damage and send us a check (to be endorsed by us and the mortgage co.) for the amount. I filled out the paperwork including the bid for repairs and sent them the checks with the paperwork. Fall was coming and we felt we had to act on the roof repair so we paid "out of pocket" to have the work done. It was completed. We have a manufactured home. After several weeks we contacted them and they said they have to do a title search to get the VIN number. It does not have one, as our home as it is not a motor vehicle. So they will never get a VIN #. We feel they are just stalling and holding the funds and drawing interest on the money. We need to get our money back. Can you help us?

In April of 2011, we suffered damage to our home from a natural disaster. Our insurance adjuster estimated our damage to be nearly $15,000, and made the check out to both myself and midland mortgage. After sending in all required paperwork, it took nearly 2 months for midland mortgage to finally send the first disbursement of money payable to the contractor, who mind you had already replaced the roof. Once the contractor deposited the check, Midland denied him the fund, because he did not correctly endorse the check.

I have spoken with several different representatives, all of whom have no idea how this company works, yet feel entitled to give false information. I requested an inspection to be completed, in order to pay my contractor for the work that had been completed. I was assured the paperwork had been submitted, approved, and received by an inspector 4 days prior to this phone call. I was also shown by the inspector himself that the fax with my information and request came in 9 minutes after that precise phone call. I followed every direction in receiving a second disbursement. Once my inspection was sent in, I was sent a letter in the mail. It stated that my claim could not be processed until a final disbursement form was completed. This form, not only states it is a final disbursement, but also requires both mine and the contractor's signature, stating all repairs are 100% complete. Their guidelines specifically state we must have an inspection when repairs are 50% complete, and a second disbursement will be sent out. Nowhere does it state that this form is required until our request for a third and final disbursement, that it then requires our signatures to state that all repairs are 100% complete.

Why on earth would we sign a form stating repairs are 100% complete when they are not? However, Midland sent a letter stating this form is required with all inspections. Yet, it is not in any direction in the loss draft packet I received from them. None of the 2 representatives, supervisor or representative for the vice president told me I needed this form. So, they have not only denied my contractor his first payment, they have held his second payment until a form is completed. That form states all of the work is done, when he, me, the inspector and all inspection paperwork clearly state that only 85% of the work is complete.

Getting a supervisor or someone, with authority and knowledge to call me back or get on the phone, is a nightmare. Every time I request to speak to one, I get put on hold, under the impression the representative is getting someone. And then, I will have the exact representative return to the phone to tell me information she "sees" on her computer. It recently took 3 requests for the girl to finally transfer me to her supervisor. This service is unacceptable. And by them holding our $15,000 check in their bank, they are making interest off of it each month. It has been 5 months now. This should be settled and paid out. And any interest received off our check, should be divided amongst them and myself, who the check was clearly made out to by the insurance company.

I cut a deal to get back on track with my mortgage payments in early June. I made my required payments in May, June, and July. On August 8, a gentleman was at my door, saying he had bought the mortgage on auction on the courthouse steps the Friday before. News to me. It was a shock, since I assumed my payments were up to date. One attorney said that, because I didn't have a Midland staffer's signature, I was screwed.

I had been laid off of my job of 12 years so I called Midland Mortgage to ask for help and to see if they could offer any re-modification program. The agent that I spoke with went through the entire process of having me to fill out all this paper work. When she called me back a week later, she stated that I was approved for the forbearance for four months and I would not have to make a payment until August 2010.

Two days later, I got a call back from someone saying that the forbearance wasn't approved because my income was unemployment compensation and I needed to have a job. So, I get on my grind and find a job (that sucked might I add). But nevertheless, I got a job, which was needed to save my home. After I got the job and submit my employment letter, I received a call stating that my new job would not suffice because I didn't make enough money for any re-modification they had. What the **? Oh, my God!

So, trying to save my home again, I filed for Chapter 13 Bankruptcy on July 2010, hoping to get a re-modification on the loan and all the past due. Again, it was just a waste of time. Today, I haven't been able to make the mortgage because I fell behind in November 2010. So, Midland worked out a plan to add what I was in arrears to my monthly payment (That's a genius move. If I can't pay the regular mortgage, why would you add more to it?). So now, I am facing foreclosure again!

This company is so pathetic! They did nothing to help me and they just wasted all my time. I have been in my home since January 1999 and I never missed a payment until 2010. They were not willing to help me at all. They pretended that they would but they truly didn't. This company and all the employees are going to rot in ** because they have no God in them. They are small and money hungry; they do not care about helping their clients.

Like others, my mortgage was sold by another mortgage company to Midland Mortgage about four or five years ago. In late 2010, I was informed by Midland that I was behind one payment and was charged a late fee. I was not able to figure out what month I was supposedly behind, since I had been paying on time for at least a year and no longer get my canceled checks. When I asked Midland, they told me that they did not have the ability to determine what month. I continued to be charged late fees each month. They eventually sent me a computer print-out of my payment activities, etc., from the past year with little help to me.

After more than a year of this occurrence and nearly $200 in late fees charged to my account, I finally got a Midland mortgage counselor to determine that the missed payment happened in the fall of 2009. I questioned WHY I was not informed EARLIER of the missed payment, or was it to collect late fees from me (like so many others)?

In May, Midland sent me my new coupon payment booklet with all the late fees added to my monthly mortgage payments (spread out) for the coming year. I began paying my new payments this month (7-11) ON TIME. Last week I received another late payment statement in the mail from them with additional late fees added AGAIN. Then, as usual, one of their mortgage counselors called me and asked why my July payment hasn't been sent yet. I told him that it was sent two weeks ago and that those previous late fees have already been added to my new coupons and are being paid throughout this next year. I then questioned him as to why he's calling me and why the late fees again. His reply was that "they only go by the information they have on their computer, which is in a different department!"

I have also asked them about refinancing my loan since I'm currently paying 10% and need it lowered to the current rate. I have received nothing but the RUN AROUND from them.

On March 4, 2011, I sent Midland Mortgage my payment. Approximately 45 days later, I received a letter stating that they have not received my payments. So, I called and told the CRS that the payment was made; and gave him the cashier's check number. He stated that they still have not received the payment. I went to the bank and had them re-issue another check on May 2, 2011 to replace the March payment. This time, the bank mailed the check and contacted Midland to make sure we have the correct address. Then, I mailed my April's payment on April 10, 2011 knowing that this time, they will receive the payment from the bank, and continue to make payments (May 2 for May's rent, June 1 for June's rent, and June 25 for July's rent). Well, I received another letter from Midland Mortgage that was dated on June 2, 2011, stating that my bank was trying to inquire about the cashier's check that they mailed off on May 1.

I went to my bank and had them mail a letter, stating that Midland Mortgage had not received the replacement check for March's payment. I received another notice of foreclose for June and July's mortgage. I contacted the company and was told they still have not received a payment, and their have not received the letter that the bank requested, and that was approx June 14 when the bank mailed. Now my credit history on my mortgage looks like that I am paying my payments late every month -- which caused me not to be able get a new car recently. I had to wait until my mortgage is current. Now, I just don't understand. Midland has been getting our payments all the time. Now, there is a problem with their mail services. Is there any direction one can give us? We're almost at our term in five, and we worked hard to keep our home. Or is there anyway we can have some other mortgage company, or have this company investigated?

GMAC sold my mortgage to Midland Mortgage. Always payments on time, never late. GMAC had pay by phone, manage your account on line and always helpful. Midland mortgage is awful. They do not explain anything to you, the customer service needs training. I cannot manage my account on line or pay on line; you cannot make a payment over the phone either if you are set up with auto payments. I had problems early in the month and told to pay be end of month to avoid neg. rating. I wish lenders would not sell accounts unless you are a risk. This puts undue stress on people that try to pay on time. I cannot believe Midland does not have the capability to establish with the times as GMAC and other big mortgage companies. Also they want all the payment together not 1/2 and in two weeks the other 1/2, or principal first and interest in 2 weeks within the same month.

Midland Mortgage does not have online payment and charges $15 for mortgage payments that are phoned in. Payments that are mailed are often received after the late date according to Midland. So I always use priority mail which costs about $6 with delivery confirmation or phone in my payment which costs $15. This should be illegal because there is no way that this company should be allowed to get away with charging $15 to take a phone payment when they do not have an online payment service! Sue the jerks!

Midland gained my account from my original mortgage company. The experience these last two years have been a nightmare. They do not post payments when sent and charge late fees. I send partial payments and they refuse to apply the payments. I was told by the workers that they are under staffed and place the money in accounts for a few days and send the money back to the customer. Then they would add late fees.

Today, I spoke to a representative and she stated that since we are behind on our payment, we must pay a full payment and a half (my wife's unemployment status caused us to fall behind). I had just spoken with Midland a week ago stating that I would make the full payment and a half by the end of the month. A payment on 16th and the balance by the 30th.

I didn't understand why they were calling me a week later asking the same questions that they had notes on. She told me that they would not accept the full payment but they need it all at the same time. I explained that I felt it was wrong to tell the customer that they couldn't send a payment. She expressed the rules and rights in the payment book regarding the right to refuse payments. This goes right along with the other issues I have had with this horrible nightmare of a company. My escrow amounts are raised each year when my taxes or insurance would not go up. I called and they explained that it was due to a new right that they have. I am required to keep $1000.00 dollars over the amount of both the taxes and insurance in the escrow over the life of the loan which is 30 years.

I've made request to pay my own escrow but they have not allowed me to. Is it their right to gain money in an account for interest purposes from homeowners? I think not!

The company Midland Mortgage sent us a notice, stating that we needed to pay an amount of $2,152.00 due to unpaid late charges. I have a bank account that pays the company electronically. The letter claimed we have yet to pay for the month of September in addition to previous months. I did pay for the month of September on the 10th to prevent any late fees that would apply after the 16th each month and I have attached proof that it was done electronically.

In April 2005, my husband and I filed for bankruptcy number 13. Because of that, the Midland Mortgage did not charge us for unpaid late fees. Since 5 years have passed, the company now can charge. They claim they never receive the payments on time, including this year, but my bank always pays before the due date (before the 16th of every month).

I would like for you to investigate this situation because this is unjust. This home is our only house and we cannot afford to lose it due to a misunderstanding. I believed the safest way to pay the charges on time was to do so electronically before the due date, but I have no idea why I am receiving these notices. On my 3 credit reports, it does not state any late payments relating to this situation. On the credit bureau, Midland Mortgage Company puts the wrong amount of money that we owe within the principal activity.

Midland purchased our home loan. At the time, we had automated transfer of payment, that was taken out the 5th of every month. Midland, in the beginning, was taking the payment from our account on the 5th of every month, however we noticed the payment is not taken out, until the 16th of every month. We pay an extra $300 a month on the mortgage, so that the house would be paid off early, but because they do not take the payment when they are suppose to, we are paying more interest, and less on the principal. We want to have our bank make the payment, at the first of each month, but have been unable to talk to anyone to have the automatic transfer stopped. The website is down, and who knows when it will be up and running again. We are being cheated out of money, and would welcome any advise on how to stop this madness.

My husband has just become disabled, and his income will decrease. It will take him longer to pay off the mortgage that we know would be paid off sooner, if Midland would post the payment on the correct date. My husband's medicine is costly, and this will cause a hardship on him.

I was laid off in March, 2009 and I have not been able to get a permanent job to date. In April, 2009 I phoned Midland to inquire about Mr. Obama's help with the mortgage. They put me on the unemployment program and did not tell me all the facts. In June, 2010 MG told me I needed to pay $1315.00 by 6/15/2010 to keep my home out of foreclosure. I sent the $1315.00 and all of the paperwork he ask for overnight USPS. Called day after day and was not able to speak with him. Receptionist confirmed paperwork was received and the check was cashed by Midland. I assumed all was ok and if not they would send me a letter or call me.

I phoned at least a dozen times and could not speak to MG (he told me to only speak to him.) I received paperwork from a lawyer (both letters dated different) but received on same date. Long story short he intends to auction my house October 10 (less than 4 weeks.) I phoned Midland finally reaching someone and they said once again MG was not available. He never returned my call so I called again left a message and finally he returned my call. Said they never received paperwork but they cashed the check?

Now I am told I need to send more paperwork of which I sent 3 out of 5 and Stephanie tells me there is no use sending the remaining 2 that I do not qualify for any assistance and the foreclosure will go forward if I do not have $3500.00 (of which I do not). I have lived here for 20 years and was not late or missed a payment until I was laid off. I pawned all I own to get the $1315.00 and it was for nothing. Not only that I didn't sleep for weeks and worried I sick just to get my house foreclosed on anyway.

I have received money from insurance company over 4 months ago to repair my home and still trying to get $1192.50 to finish paying for the repairs. These people are stealing from us. I'm about to go crazy, I just want my money and my home fixed.

My monthly payment is due to Midland Mortgage by the 15th of each month. They received my payment that month on the fourth. Their employee reversed the payment by mistake after it had cleared my bank. They mailed me a letter three months later to inform me of their mistake. My bank faxed them the information stating that they had indeed received my payment. If someone had phoned or written sooner than three months, I would have this problem. I have talked with several employees there but no one knows anything. I have sent $250.00 at one time and extra money with my payments but they are still carrying me a month behind. I cannot do my part of paying on time and worry if they have employees that can keep records.

After working hard for the old AT&T, I was downsized. With 2 Masters, I had trouble finding work. I went through my stock, my savings, and my 401k to maintain my house payments. Came August 2009, and I could not make my payments on $137 a week unemployment. Thank goodness for the extensions, but that just paid gas for the car to go to interviews and my generic medicine for diabetes and some food. There was no heat in the winter, nor AC in the summer and no TV (much less flat screen with surround sound).

I finally got a temporary position in December and was hoping that it would go full time. I asked the Midland people not to call me at work; I was working CSR and it is hard to talk to customers and have your cell phone ringing. I thought that I had found a non-profit to assist me, but that is another entry. The Hope people set me back almost as badly as the Midland people did.

I asked for mitigation and mainly I got a kid telling me that I spent too much at the grocery store. I wish I could live on potatoes and PBJ sandwiches. I started talking to my credit union about a new mortgage at a lower rate. The Midland mortgage was 22 years old and at 10% (which was a good rate in 1988!). Midland sends me to foreclosure when I spoke of getting a new loan and just paying them off. There went the FICO score. And the employer said that it was not working out. (I think it was all of those calls at work? )

I went back to a temporary job scoring No Child Left Behind tests (depressing in itself, the future in America is very depressing for the children who think that they are getting an education!) No one would talk to me since I did not have regular employment.

Then I got a real job: good money, a contract, benefits, everything. I sent Midland the contract and get piles of documents that they wanted to go into mitigation. I was going broke copying at the library at 15c a copy, much less mailing these to Midland. They wanted to know why I did not fax the documents at the same time they were telling me that they never received them. I called and went over my income and expenses (since they did not have the form I mailed in ) "Sounds great, I will forward this to the Mitigation people and a counselor will contact you."

Now, true, I had gotten a Foreclosure notice from Raymond **, their attorney in Georgia, but my understanding was that this would put off the foreclosure and we would negotiate a restructure of the loan and past due amounts. I at least hoped that they would lower the interest rate to 6-7%. I had one pay stub that covered one week of work. I was told to send it and the second pay stub (for the month of pay) when I got it.

The second pay period came along. I called Midland and said, "Who do I fax this to and what is the number?" The Midland Robotic CSRs kept asking me the same questions and then would transfer me to the next robotic CSR who started the same routine. I kept being hung up on. I asked numerous times for a manager and none came to the phone. I finally got a fax number off of their website and faxed the copies. They still say that they never got them. I also sent them by overnight. They say they came too late.

I had to go to the bankruptcy court to save my house. Now they are saying that they sold it at 12 noon and I did not file until 2 pm. God does not like ugly, and he does not sleep. Midland and their minions should worry about the retribution Heaven will visit upon them. Maybe now I understand why they get tornadoes so often in Oklahoma. I am fighting for my house of 22 years and my 100k equity.

I went to their website to setup my account for auto draft payments. After completion, I received an online message stating to continue making payments until receiving confirmation from Midland that the auto draft setup is complete. Well, I never received any confirmation and they auto drafted a payment causing my bank account to overdraw and costing me hundreds of dollars in overdraft fees. I then suspended the auto draft setup. However, the following month, since I was broke because of them and now running late, I called to make a payment by telephone. Well, it wouldn't let me because it said I was still setup for auto draft and would not accept a payment. Also, when making an overnight mail payments, they don't credit my account until way over a week later. Probably so they can ruin my credit and charge late charges.

They have gone up on my payments from $960.04 to $997.22 starting August 1, 2010. They say my insurance went up before my insurance person even knew, only around $70.00. Well I have escrow with plenty to spare. Now my taxes went down a good bit. I got a letter saying now, my county taxes will will drop 40% starting in December. Property value drop. Midland Mortgage is charging late charges via posting our check late or saying I either spell out the words or# wrong. I told them to send me the check back, but then they tell me they destroyed it.

Well,a few days later,they sent me a copy of my check. I took it to the bank and my insurance company and they said that check would cash anywhere. Midland only want to make up some late charges and tell lies to get more money. I'm a vet and I don't have none.

Look up about Midland Mortgage complaints on the computer and you'll see I'm not lying. Call Angie **, my insurance woman with Cotton States Insurance, and she can fill you in on a lot of things about Midland rip-off. I am a good man. I don't smoke, chew, drink or stuff like that and I go to church. Please help if you can.

When a first class letter is mailed from PA, it should take 3 days to reach it's destination in OK . Why do they wait for 16 to 20 days to cash my check? Then of course there is a late fee. My credit is affected due to the delay.

My motgage was switched to Midland Mortgage Co in 11/08 from GMAC. I was never late with a payment GMAC. I received a letter stating to continur to make payments to GMAC until I receive my payment book from Midland Mortgage. I never received my payment book or a loan # or an address to send payments. My first corespondence letter from Midland was a foreclosure threat that came in the mail in Jan 09. I called and explained to them that I had made my payments to GMAC with money orders as my bank was bought out at the same time. I explained that I would have to contact my bank to get reinbursed for the money orders if they had not been cashed and it may take a week or two before I could send them the payments.

I did at that time make a payment over the phone that cost me $950.00-my payment was only $790.00 a month. I wanted to get it caught up and the girl I talked to said she would put notes in on my account to accept the $790.00 checks and would waive the late fees since the trouble happened during the transistion. The money orders had not been cashed, so when I received the money back and sent them 2 checks for the missed payments...payments were not accepted because they were considered partial payments without the late fees and my checks were shredded.

I received a letter from MIdland stating that the checks had been shredded and the letter contained the check numbers. I called and they said that it was their mistake that the checks should have been accepted and not shredded and to please send new checks, so I did...BIG mistake because the new checks I sent AND the checks they said they shredded all came through my bank and checks bounced. Since Jan 10 I have made every payment. Jan payment was mailed on 12/23 and was rejected because when the processed it on 1/12 0r 1/13 (considered late as of 1/11)it was late and did not include the late fee so was considered a partial payment. heard nothing from them and assumed payment went through until I received my bank statement and found out it did not. Called Midland and they said the check was being held.

My Feb payment with a late fee added had already been sent and was accepted as Jan payment, but I was still 1 month behind and their "policy" is to not accept less than 50% of amount owed. I have sent in every payment and they keep holding my checks because the check is not half of what is owed, but they have 4 checks "on hold". I am scared that if I send 1 check for the amount to get everything caught up that they will send it plus any other checks they have on hold through my bank, they have done it before. I took a hit on my 401K so I could send 1 check for the amount needed and still have the money from the previous checks in my account in case.

Sent the check for over $5,000.00 on Tues morning and received a letter today saying since I am so far behind all checks must be certified. I called Midland and told them that I had mailed out the check and just received the letter today and asked if that check will be shredded. The girl I talked to gigglesd and said, "prpbably". They knew last week that I was doing this because I needed a Letter from them faxed to me to send to my 401K provider to get the check. How can they shred a %5,000 check? and now I'm going into foreclosure. I have sent them over $10,000 in the last 6 months and they are foreclosing for non-payment! These guys are crooks and now my credit is ruined so I can't change mortgage companies. I'm stuck with these crooks and may soon be homeless. They are foreclosing on my house.

There's hail in August. A check was sent by the insurance promptly. They refused to return the check, as they insisted that they needed to disburse funds since it was $300.00 over damage limit (not on the original loan agreement I signed). I talked to them about my deductible, taking it below limit.

Three months passed. I called and threatened small claims action. A check arrived three days later signed by them. I cashed it, and I began re-roofing home in April! They called and accused me of improperly cashing the check that they signed. I decided that given I am unemployed and given their track record of not crediting my account on time, if I needed food, my kid needed shoes, and the electric bill needed paying? They can wait.

Then I found out that they falsely led people headed into default along, so they can assume the ownership of homes that are not upside down! They essentially led the consumer along, telling them they will "work with them," then when reassuring the consumer, foreclose! Are the attorney fees front-loaded? I am hearing they are, are they?

My home mortgage was sold to Midland Mortgage by GMAC Mortgage in 2008. During 2009, I ran into some finance problems that caused me to not make my house payment for several months. On October 26, 2009, a letter was sent to me explaining that Midland was preparing to refer my loan to an attorney to begin the foreclosure process. On November 27, 2009, I sent a personal check in the amount of $7855.20 to cover back payments, which was received by Midland on December 01, 2009. After sending the personal check, I found a letter asking that if I make back payments that I pay by cashier check to the firm that was handling the process.

On December 07, 2009, cashier check was purchased for $7855.20, paid to the order of Manley D PLLC. In January, I made my house payment as usual. On February 05, 2010, I was checking my checking account when I noticed a large amount missing from the account. As I researched, I found out that the personal check that I sent Midland in November had gone through on February 02, 2010. I tried to do a stop payment but the bank said that I had to contact Midland and ask for my funds back. All of December until February 5, I thought that the check had been destroyed. I never imagined that they would send the check through since they had already received all of the back payments by cashier check, plus at that time I was not late yet on the February payment.

After receiving the response from the bank, I called Midland Mortgage and talked to a customer service representative and explained what had happen. They spoke with someone in foreclosure that told them to have me compose a letter asking for these funds. They give me the fax number and ask that after I fax the letter that I call after 24 hours to make sure that the fax was received. On February 12, I sent a fax and called after 24 hours to be sure that it was received, which I was advised that the fax had been received. On February 24, 2010, I called Midland Mortgage to see what was happening with me getting my funds.

The customer service rep advised me that a letter was sent to me explaining that they took February payment from the $7855.20 and applied the rest to my principal. I explained that I feel all funds should have been returned to me. They asked if I wish to speak to a supervisor (Charles R) and I said that I would like that. When the supervisor got on the phone, I explained to him also, which he replied, "So you have not received the correspondence?" and I said no. He also replied, "You mean to tell me that the check went through? "Yes," I said and he then replied, "You have more money in your account than I do." Like that mean anything. I need my money back and again I stated that I would like to have my money.

As Mr. R went over my files, he told me that an attempt was made by certified mail but was returned to Midland. After talking to Mr. R, I felt that just maybe I would get full recovery of funds. A few days after talking to Mr. R, the correspondence came in from Ariel G, customer service representative, stating, "That funds from check number 876 posted your February 2010 payment of $1,084.19 with additional funds of $18 applied to your fees and $6,753.01 applies to your principal balance on February 2, 2010. We are unable to comply with your request to return funds of $7,855.20 from check number 876 as part of these funds were used to post your February 2010 payment." On February 24, 2010, a payment with a late charge was submitted, which they marked it as being a March 2010 payment. On March 24, 2010, I sent a fax to Mr. R inquiring about these funds. Today is April 19, 2010.

GMAC sold my home loan to Midland Mortgage Co. in December 2008. They said that they would be sending them the December 2008 payment and that Midland would be sending a letter. My bank had been sending GMAC payment every month. Midland did not send me any letter so I could transfer the monthly payment. I called GMAC to get Midland's address and phone number. Then I called Midland to get an address to mail the payment. I mailed Midland payments for January 2009 and February 2009, which they finally wrote me a letter to say that they only received one payment. They charged me a late fee on the missed check. I finally received a payment box in March so I could send them payment with a Loan number. They gave me credit for the late fee, but sent a report to the Credit Bureau that I do not pay my bills. I received their letters in March 2009, which they said that they sent me their letters in November 2008.

They do not tell the truth. They raise my monthly payments and told me it was because of my taxes, a lie. I tried to get a list of my payments, which they would not give to me or help me get it. I asked them to correct the letter about my late payment, which she set to me but not the Credit Bureau. I had a more than I can take from them and paid them off in November 2009. I had a great credit rating until GMAC sold my account to Midland Mortgage Company. I had a 30-year loan with GMAC and only had 9 year left on this loan when they sold the loan to Midland. It took Midland two months to destroy my credit rating. They lie and will take your money.

I have a Mortgage with Midland Mortgage Company. I am Senior Citizen and a Retiree from the Dallas Independent School District. I have been residing in my home for over 20 years now. Living on a fixed income, and to add to this is high cost medicine. My complaint is with Midland Mortgage how they are making every effort to exploit citizens and especially seniors with the run-around they give, never returning phone calls and long letters that only complicate the understanding.

For the past few years, my home has been in a constant decline structure-wise. Due to my income and insurance I have been unable to maintain any additional maintenance expenses. The roof has not been repaired since the time I have lived here and probably since the home was built. Of course because of this I am unable to obtain homeowners insurance. Each insurance that has come out to inspect the home has indicated that could not insure the home because of the roof.

Since I am unable to place my own insurance on the house, Midland Mortgage has placed a Forced Insurance on the dwellings. This forced insurance is more expensive and has less coverage. Inside of the home is currently leaking with each rain, and I have been informed by informal inspections that the home is unsafe and that there is a build-up of mold inside of the home. Unfortunately, as many seniors we want to keep our homes.

Well the catch 22 is that Midland Mortgage is placing Forced Insurance on my home which is increasing my payments yearly. Of course, this is because I cannot get insurance for the home. The Forced Insurance that they have placed on the home only attempt to assist was to provide $800 for the roof repair. There is not 1 roofer than can or will provide that extensive work for $800.00. This entire system is insane and needs to be re-looked.

I have written to the Dallas, TX Mayor Tom Leppert which of course has gone unanswered and have wrote to Honorable Eddie Bernice Johnson, Congress person for District 30 (Dallas, Tx). Mrs. Johnson office however did attempt to assist but only had information on new Weather Proofing for homes.

We are dealing with damage done to our home by a hail storm on 7/31/2008. Our insurance company was very prompt about processing our claim and providing a settlement; however, Midland Mortgage (our mortgage holder) has caused difficulties throughout the entire process. Initially, it took over 2 months for them to return OUR insurance funds despite the fact that estimates, etc. were included with the checks. One service representative laughed at us and said..."Well, it's only September...what's the rush?" By the time Midland Mortgage returned OUR insurance money, it was the last week in October. We got hit with a blizzard Nov. 5...all of our supplies sat in a snowbank all winter instead of being on our house. Their inefficient actions forced us to get an extension on the insurance claim. This spring, once again, we began the process of repairing our home. Again, we were forced to wait 1 to 3 months to get OUR insurance funds to purchase supplies. Finally, one supplier allowed us to "charge" the materials we needed to complete the project before the insurance extension deadline was reached. When our roof and siding were completed, we asked for an inspection and the remaining funds to pay for supplies and services. Once again, our insurance company was VERY prompt in processing our claim...and once again, Midland Mortgage was NOT.

We ended up borrowing money to partially pay one contractor while we waited for funds (interest charges on that loan., one contractor waited 4 months for payment, another contractor is STILL waiting plus we incurred almost a hundred dollars in finance charges from our supplier as we waited for Midland to return OUR insurance money. Now, Midland has lost a check for almost $5,000.00 we need in order to finish paying for work that was done two or more months ago. At least 6 representatives acknowledge that the check was received by Midland Mortgage. All state that it was returned to us. Supposedly, they mailed out 4 checks in 4 separate envelopes and all but the check for $5000.00 arrived safely. Now, Midland Mortgage tells me it's my fault and I need to put a "Stop Payment" on an insurance check and pay the $25.00 stop payment fee. What's worse is we still have 2 open claims on our house that need to be taken care of...and we know we will have to go through this all again! Furthermore, because of Midland Mortgage, it is difficult to find contractors and suppliers to work with because they all know they will have to wait 2 to 4 months to get paid. This affects our credit and reputation in our hometown...something we work very hard to maintain in good standing. Midland Mortgage has been the worse experience of our life. Despite the fact that we are always current (as a matter of fact my next house payment is not due until November) on our payments and we had no choice about our mortgage going to Midland, we suffer the consequences.

At this time I then had to mail out payments to Midland, and it appeared this is where the trouble began. Many checks were returned with troubling address or zip codes, but I must say, they were helpful in assisting me when I called, but I never got the necessary paper work, to get a new wire transfere going. So on going payments in some cases would come back to my house. Some error after another, then I got all the payments caught up by mailing out signed received returned notices they got the payments and some of my late fees were credited to me. (Thank you Midland?

But by April, 2009, I noticed an increase in my payment of $80.00. And just getting my payments solved by writing several checks repeating into them since I was attending my ill mother of 90 yrs for three months, I cam back to my home and found two returned checks I wrote out on time but due to inaccurate zip codes they were returned to sender.

Then I noticed April's increase in mortgage and this brought about me calling them. They indicated that TAXES were increased. Well I called my tax assessor and he indicated to me my taxes went down. Also, my insurance stayed about the same, so this indicated something drastically wrong!

I called back and informed them I thought they were in error. They resisted that thought, and after some calling they came back to say, they found the problem: Our state requires that we have more reserves in the escrow account then your previous mortgage kept. I said, that doesn't right because I never a problem being short for the payment I am paying.

The midland agent said, well our state requires more. I said if that was truth your Midland Mortgage would have negoitated that into the 64,000 loans it bought from GMAC in Nov 2008, those escrow increases would have been in the deal, but your trying your mortgage is extorting the additional money from me, and I don't feel that's rigth, why should I pay that?

They said, you must, and I said No I don't you do, you bought the loan, as everything was fine before you bought my loan? Well they couldn't answer me and had to get another agent. She said she was going to send me a break down of the escrow and i said, the only way my mortgage can be increased is if my taxes go up or my insurance goes up. They seem to believe that is true but couldn't explain why my escrow was no $900 short and it would have to come from me, and i said, your still not explaining as to why I have to pay when you bought it negative and before I had no problem paying the mortgage?

Well I called Veterans Administration, (VA) being its a guaranteed loan, by the federal government. They said, that there is no restriction on Midland to not allow me to manage my own mortgage and simply I could find a resolution to this by managing my own escrow. So being my investigation was filed with both North Dakota State Senator Conrad, and State of North Dakota, States Attorney, on Financial Consumer Dept, to investigate, this I sent a request to Midland to manage my escrow and I sent them three cashier's check that covered my principle and interest of my loan, with a letter of explanation and request of managing my own escrow.

Todate, I have been served with a Default letter and I have sign signature proof of them received my payments but they have not posted them, to bring me up to current, and I requested wavior of the late fees, being they have not given me adiquate evidence or justification as to why they increased my mortgage payments when in fact the taxes went down, and my insurance went down $100.00. so if anything I should be paying $125.00 less then what my mortgage is in corporating, all for the benefit of Midland Mortgage. Now I realize I am lucky being a veteran, and having a guranteed home loan, which they allow the mortgage company to give me managerial control of my escrow, thousands if not millions of VETS have this privilege, yet still to date I have not had any resolution and now I have evidence of them receiving payments.

They say, that all fees must be paid, and I say all fees have been paid, and I have paid insurance and taxes, so nothing is now due and I will be electronically sending them payments for the $275.00 payment. So as I said to them this is senseless as to how can you foreclose on me if I am paid up and why would you even want to get this attention. Its stupidity. The only reason they would want to persue this is to get an extra $125.00 a month, for mailing my taxes in and paying my insurance once a year, which amounts to an excess of $1300.00 a year, well I have news I can use that money and I am glad that I am a veteran as the VA Administration clearly gives them guidelines to allow me to manage my own escrow, the key crux here is why does the Government Guarantee the Bank the money and not me my home when I have made my payments? Why as a veteran and in two wars, I come home and the VA protects the Banks and has nothing for the soldier who risks his life? And they call this a benefit? WHAT BENEFIT, any you VETS OUT THERE SEE ANYTHING WRONG? This is private legal extortion and your lawmakers have set it up that way? Now, all you vets out there, ask yourselves what are you going to do when this happens to you?

I had storm damage to my home last June 08, and Midlands Mortgage wanted me to give them info from the roofer, but I couldnt find anyone to give the info without a deposit. I hadnt work fulltime time in a year due to a heart condition, I had to cash in my 401k in order to catch up my mortgage payments, they still wouldnt sign the 6000.00 check that I had. now my home is in foreclosure and it is going to be sold at a public auction on 9/2/09. I still have the insurance check. Once the house is sold who gets the check me or the mortgage co? My roof has been leaking for over a year now, the house is being sold as is.

We were unable to continue to make our mortgage pymts and did everything possible to have them help us. We had to move due to a died in leiu and now we find out that they our account as a forclosure. My wife did everything we could to negotiate with them and they would not budge. Now we have bad credit. I have never been in default. Our credit is ruined and we cannot purchase a home for our family for a long time.

They do not post mortgage payments on time. They consistantly charge late payments because they don't have the personel to process payments. I have been told this by their reps. By the way, I was fortunate enough to get through on the phone. I have sent a complaint to FHA and my district attorney on this fraudulent practice. I am now being charged $300. for late fees which was attached to my mortgage.

Our house was refinanced with GMAC in November 2007. Earlier this year(2009) we received a letter from Midland Mortgage stating the loan had been transferred to them. How this happened without our permission we still do not know. Payments were being drawn from our bank account by midland for a couple of months after this letter arrived, and then they stopped and we consequently missed a payment. Two weeks after the payment was due I was looking at my account online and noticed that payment never went out. All our bills are payed by Direct Debit on the 1st and 3rd of the month so we assume any money left in the account after the 7th is for living. Therefore when I found this problem we did not have all the money required for the payment.

I then rang Midland mortgage company after running around in the automated system I choose the option of "if you know the extension please enter it now" and entered in a random 4 digit number and was transferred to a person, I then asked if I was speaking with the Loan counseller and the person promptly hung up his name was patrick. I rang back midland immediately and tried a different extension number and Amy answered I apoligised to her profusley for "midland transferring me to the wrong area" (which was not true) and she very nicely transferred me to the loan counseller. When speaking with the loan counseller he advised me the Government had new guidelines when dealing with "making homes affordable" and people late on there mortgage. I tried to explain the situation of not being advised my automatic payments would stop, and he advised me that they sent me a letter (which I never got) informing me that the authority was signed with GMAC not Midland and therefore they needed a new authority to draw from our account.

I then questioned him about the previous payments drawn by midland to which I got the response that they were for customer convience (it was not convient at all it made me assume payments would continue as normal) Moving on in the conversation with the loan counsellor he set us up with a payment plan for the late mortgage payment. I agreed to the plan he laid out over the phone, that I would pay $850 + $20 (for payment with card over the phone)which I believed equalled the current payment of approx $740 with the remainder to go the missed payment and the rest of the missed payment to be spread across the following four months.

We recieved a letter in the mail the following week laying out the future payments over the next four months, which made my payment go up from $740 to approx $950. He told me there were no hidden fees and that this was the best way to do things to keep my credit intact. We are extremely upset because if you do the math of one missed payment of $740 and then calculate the money we are paying over and above our normal mortgage payment during payoff the missed mortgage payment amount equals $910 and that doesn't include the late fees of $29.40 we have been paying every month since the payment was missed to date. No hidden fees though and following the governemnt rules to the letter (yeah right!) NOt only that but the loan counseller's statement that following there missed payment plan would keep our credit intact was entirely false. Midland has reported that we have been late on our payments since taking up the payment plan and has reduced our credit by over 120 points.

When looking at the website I can't even find the $950 payments I have been making for the last three months, it just states the previous month has been payed and my current payment is late. I have my bank records with copies of the cheques they cashed including pictures of the cheque date and time, I wrote and email to the head of customer service who (after threatening legal action) had someone ring me back the following morning at 8am. They just keep telling me everyhting is fine and I just don't understand there complex billing system, and when I asked the customer rep.to explain the billing to me she laughed and said "it's very complicated, have a good day maam" and then hung up.

They are impossible to reach by phone. Every phone number I find for them is an automated attendant with no options whatsoever for speaking to a live person. Believe me, I've tried every trick I know to get a live person.

It is awful that you have to go through what she told me in order for the roofing company to get stated to do the work. They will not send back the amount of the check to me and my roofer in order to get it fixed of what the insurance company sent me for the damage.

I have been trying to contact Midland Mortgage company and only get the automated system. I have used every phone number they list and the automated system is activited. I paid my morgtage loan off on February 27, 2009 and they listed me dilinquent on my credit report. I called on that day to see if they got my check and I guess they did because they sent me a check from the ovrepayment. Can someone tell me how I can reach these people and speak to a PERSON? I need my credit file to reflect my payment please. Thank you

I had a mortgage with GMAC. was always complaining to them that they fail to use the technology available to properly notify me of problems. instead of sending snail mail all of the time, they need to send me an email and let me know when there is a problem. because of work, I have moved 6 times in 6 years and my postal address changes constantly, my email address has been the same for 10 years. my house is rented out.

What a wake up call. GMAC ****** out my mortgage to midland. I thought GMAC [was bad]. midland must be the worst I have ever heard of! it is impossible to make a payment online! no method whatsoever to make a web based payment and the joker I talked to said they have no plans on changing it. Then I find out they are closed on the weekends. So you cant make a payment on the weekends either. And wait... they charge you to make a payment on your own account. I get charged $20 for the privilege of them to take my money. Wow what a scam!

WHY is it possibly for GMAC to transfer my mortgage without my permission? I don't want to be with midland. No one asked me, but yet I am stuck now with the bottom of the barrel of predatory lenders and I cant just refinance as my credit got messed up. So I am not STUCK with the worst of the worst. I bet GMAC did that on purpose. I complain about their lack of technology, and they stick me with someone that is even worse than them. I am infuriated. I am an IT guy and this is beyond absurd that I have to even consider dealing with such a lack of intelligence company that doesn't know about technology.

Cost me extra money now to make payments. they charge me each time to make a payment. the payment is not enough, now i get charged for making a payment.

Cannot get in to account and impossible to contact anyone. I reset password numerous times but it doesn't do any good, it says the password they just sent is invalid. Upon googling Midland Mortgage EVERY hit was from someone complaining about them. They bought my mortgage from my original mortgage company and I have been unable to get any info since then other than when I first set up my account. Now they always say my password is incorrect, I reset it, they send a new one, and it also is incorrect. I can't reach anyone to fix this situation. All I get is recorded messages with no options to talk to a real person.

Looking at all the complaints about them, I can see why they don't want to talk to anyone. I want to get a new mortgage company and have companies like Midland disbanded, CEOs arrested, etc. They are apparently a scam company that somehow convinced my previous mortgage company they were legitimate. They are probably run by the mafia or south american drug lords.

I cannot manage my finances because they won't allow me to get into my account nor will they reset it.

In December I recieved a motion of stay request from Midland stating that I was 3 months behind and they were requesting that my chapter 13 bankruptcy be rescinded. They had a court hearing schedule for 1/14/09, when that date arrived my attorney had proof that had made the payments that they were questioning. They then came up with another set of dates that they stated I had not paid. When proof was shown they have not answered my attorneys request to resolve this problem, this is going on six weeks that we have tried to resolve this issue with very little help from them on what is owed.

In the meantime I was advised by my attorney in Janaury not to make any payments to Midland. I am afraid that they are trying to let a certain time frame go by and then say I am three months behind. Currently I have not made any payments since December trying to resolve this issue they will not contact me nor my attorney telling us where the case stands. In Febuary it will be 3 months and I am afraid they will try to foreclose for none bayment. I need help to get this issue resolved so I can keep my home.

In July of 2008 I was laid-off from my job that I was on for 13 years and now I have to deal with thi mess. According to my records only 1 payment was missed 10/08 and that was due to medical issues that had to be addressed. In 2005 I injuried my back and was told by the Doctor I had a herinated disc, when I lost my job I also lost my healthcare insurance so all visit and meds come out of my pocket. I am contacting my attorney 1/28/09 and instructing them to offer them 1200 and pay the balance over six months. We have tried to make this offer 10 days ago but they will not respond. I really need help resolving this issue.

If thi issue is not resolved I will lose my home that I have lived in for the last 10 years. On top of losing my job and now someone is trying to steal my home.

My house was damaged by Hurricane Ike on September 12. I received my first insurance payment to begin work. The check was made out to GMAC Mortgage and me. GMAC Mortgage endorsed the check and forwarded it back to me to allow me to complete the first set of repairs (new roof). The second check I received was made out to my new mortgage company, Midland Mortgage and me. I had the second set of repairs started. The second set of repairs was completed prior to Christmas. I paid the contractors out of my own pocket as Midland Mortgage had not released the funds.

It is now January 6 and I still have not received the funds from Midland Mortgage. I received a courtesy call last night saying that the funds had been deposited, but more information was needed. When we asked what information was needed, we were told they did not know. When I called this morning, I was told that they request had been put in to release the funds, however they did not know when they would be released. Whne pressed, the just said they had too many claims to process and did not know when they would get to it.

Meanwhile I am out 7,934.00 from my own money. If I told them I had too many things going on and would get to paying them when I could, they would be destroying my credit. We had to use money reserved for Christmas to pay for the repairs to our house and have not received the money from our mrtgage company yet.

First Horizon Home Loans sold my mortgage to Midland Mortgage Co. They did not provide adequate prior notification of the change and by time I set down to pay the bills for the month my account was in limbo between the two banks and I can't get information on it. The new mortgage company has hung up on me twice when I have tried to call with questions.

This transfer has created caused me many hours of problems trying to determine how to make my payments. This will increases my monthly costs both in time and postage. I have an electronic bill pay service set up from which I pay all my bills. The new mortgage company only accepts checks or they debit my account. I dont want to give any institution that power.

So now I have the added expense of having to refinance my loan with another lender. Mortgage companies should have to provide 90 days notice of these changes and should not be able to tell customers it will be two weeks before we have your information in or system. The transfer should not be made until all information is current in the new companies systems. I should never be put in a situation were I cant get information about my own home.