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I've been living in my home approximately 18 yrs, and after 18 years of living at my current address it is being told to me that I still owe on my home which was under $40,000. My husband is a veteran who is now disabled and ill as well as myself disabled and ill. At this current time I'm trying to figure out why is it that I'm still being held accountable for $36,000 when during the time of the purchase in 1999 the house was $38,000. Doing several conversations with Midland Mortgage I've asked certain questions concerning the purchases and the payments of my home but never can get a direct answer always receiving indirect answer. He recently I've received threatening letters stating that whatever finances I may receive from wherever I receive them from if I do not do the proper thing with the money.
I will be brought up on criminal charges and prosecuted to the fullest extent of the law. Who does this to a family that has been in business with them for almost 20 years. At this present time I'm still confused on how we became customers of Midland Mortgage. At the time of my purchase of my home I was with Central Mortgage Company. I have no clue of what transpired and how I wind up with Midland Mortgage. Throughout the past 18 years of dealing with Mortgage. My mortgage has fluctuated on several different occasions and now at the present time I'm still being charged for a home that has been already paid for. At this present time I am trying to get help on trying to figure out who would I need to contact pertaining to the issues at hand about my home.
I was off work for six months, and the people working with me were incredible. Deferred payments and ultimately a workout plan when I was once again employed. Always courteous, empathetic and professional. I've been in the mortgage business for over thirty years and this group is outstanding.
Submitted property damage and insurance check to Midland. That was 3 months ago and still have not received check to repair hole in roof. Had to submit contractor's bid to them at least 5 times. They finally sent me letter saying I can expect the check in 8 to 10 days. That was over a month ago. Calling them is fruitless. They lie about sending check just to get you off the phone. I can’t believe they deal with people’s money. It is winter, and I have a hole in my roof. I have lost my contractor. It is too late in the year for repairs. All because they have held my check. I am refusing to make another payment.
I will give them back this house so they can eat what money is left to pay. I assure them it is more than the insurance check is. The funny thing is they are holding MY insurance money I personally paid into my insurance company. This isn’t even their money they are holding. Sometimes you need to take drastic action (moving out) to bring it to attention. WARNING. Do not deal with this mortgage company!!! You will be sorry.
We have been trying to get approved for a short sale or deed in lieu of foreclosure for 2 months. All the documentation was submitted and approved. Then a week later a letters tells me we are no longer approved because of a lack of communication. I have written them letters, emailed the delinquency assistance center, as well as contacted the vice president. They will not communicate back. I am okay with them foreclosing. Our house was rented out and vandalized. We want to sell it to be able to pay most of the remaining loan balance but if they don't want to communicate with me, it will be their financial loss. They are a headache.
Having all of these negative reviews doesn't seem to matter to Midland Mortgage. Mortgages get sold to them and the property owners don't have a clue what they are going to be subjected to. Refinancing isn't affordable by many so we're stuck and they know it. I'm going to post this anyway. Maybe it will benefit someone. First and foremost every Midland Mortgage representative I have talked to has been rude, condescending and treats you like your sole purpose is to swindle them to get money. They are also extremely inconsistent and unorganized. It is so frustrating!!!
I had roof damage after hail and high wind storms ripped through the area around the 4th of July. I felt that State Farm responded pretty quickly considering there were lots of homes damaged during this time. They issued a check to me the same day the adjuster came. It was made out to me, my husband and Midland Mortgage. I called MM to ask about the process for getting it endorsed. This is where all went downhill. They gave me a list of required documentation and told me it would take 4-10 business days to process. As instructed, I provided everything as scanned documents attached to an email. Waited to hear something but never did so I called again... they said they never got it. On 8/8 I sent copies via US Postal service, 2 day priority. I was told that if I included a check for $10, when funds were approved, they would send the endorsed check back to me via overnight mail. So I included a $10 check.
Waited to hear something but never did so I called again. By the way, the $10 check posted to my bank account 3 days after I sent it so I KNOW they received my info. During all this time, I received letters requesting the same documents or saying they are missing something all of which are delaying the process. I also got a threatening letter telling me about how I have to notify them of progress of repairs and how I must get an inspection (one of their inspectors) of the work done before the final insurance funds would be approved. I was being treated like I was a criminal yet I had done nothing wrong. I didn't even have work started, yet. I was waiting for the insurance funds. 9/1 (21 business days from the day the $10 check posted in my bank) I called to find out the status. The endorsed insurance check had been sent via regular mail and I should allow 5 days to get it.
Really? Oklahoma City to Lubbock, Texas takes 5 days?!?! And I paid $10 to have it sent overnight! Though she did acknowledge that it should have been sent overnight, she did not have an answer for how or why it wasn't and did not offer to even look into the matter or make it right, give me credit... nothing. By this time my contractor left me for other paying jobs. Then we had a lot more rain... more delays. I was worried about having even more damage to my roof. I did eventually get the check and hired roofers. My house had a new roof on 9/12 and I called MM the next day to have it inspected. I needed to get the rest of the insurance funds to finish paying the roofers. A week later someone from MM called and left a message instructing me to schedule the inspection.
I was given a name and phone number to call. I called for a solid 3 days and only got his voicemail. I ended up scraping together enough money to pay the roofers what I owed out of pocket which I really could not afford. I called MM again. Finally an inspector came to my house on 10/2. But guess what? MM never informed State Farm the inspection was done/passed so the remaining funds were not released. Today, 10/12 I called State Farm myself. I should get a check from State Farm tomorrow. It will be payable to me, my husband AND Midland Mortgage. Here we go again. I'd say wish me luck but I know what I'm in for.
One other thing that happened a while back - when we decided to disconnect our phone landline, we didn't notify MM. I guess they tried to call for some reason and got the disconnected message. They sent us a letter stating that they had the right to demand payment in full if we did not provide them with a current phone number. The letter said that without a phone number, they could not verify we occupied the property and therefore, we were in breach of contract. I gave them my cellphone number. And how does that verify I occupy the property? I still don't understand why they didn't just ask for a current phone number.
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I just called Midland about 2 payments we're behind on. We pay every month but missed a payment in December & May due to illness. We've tried every way possible to work this out with them & it's insane. So, moving forward... We are in a State of Emergency as we go thru day FIVE of Hurricane Harvey. We live in Galveston County, TX. I asked if those 2 payments could be added at the end of our loan & they said no because we weren't in a hurricane in December, only ill! These people are rude. I've never liked their attitudes. Our acct is with them ONLY because it was SOLD to them WITHOUT US KNOWING BEFOREHAND!!!
I am disabled for 10 yrs now & my husband retired. It's not that we can't afford our payment... The amount is fine... We just had added medical expenses & missed 2 payments in a 10 YEAR period. Wow. 2 payments missed in 10 years! There was NO compassion in Savannah's voice. I asked her did she want me to step outside so she could HEAR the winds & rain. These people are impossible! I truly hope that these 2 payments keep Midland Mortgage above water! How ironic... Above water... Exactly what we're trying to do as I send this review!!!
When we bought our home in 2003, the mortgage company that held our note was Countrywide. In the crash (and subsequent demise of Country Wide) of 2008, Midland Mortgage bought and took over our note. We were making regular, timely mortgage payments when in 2012, my wife lost her job and was unemployed looking for work for almost a year. When it became difficult to make the payments, we contacted Midland to ask if we could get into the HARP program. Midland responded that we weren't delinquent, so we didn't qualify for it. They advised to hold payment for 90 days, and then call them back at the 90 day point. Sounded strange, I'll admit, but hey, this was our lender telling us to do this. So we followed their instructions.
At day 89, we called, only to be told that they don't participate in the HARP program. The next week we received notice by certified mail of their intent to foreclose. We contacted an attorney that day, and filed for bankruptcy to protect the house. Now, 5 years later, I discover (since they refused to communicate with me, only my attorney, and he was a black hole) that I am going into Discharge, that they claim they never received the May 2015 payment. I KNOW I sent it, but they claim to have never received it.
We got our house in 2008 and after our loan was sold to Midland Mortgage Company it went downhill. I did lose my job and they would not help us so we borrowed $ and after we did never heard anything else until we got a foreclosure letter. We tried showing them we were up on the payment. They said nope, knowing we did not have the funds to fight it in court after you go through options. We lost our home, 2 years this July, why are they even still in business. I don't understand how they can be this bad tacking people's homes and money and nothing is being done.
Due to threats from Midland Financial I filed for bankruptcy. Midland received a judgement against me which lead to the bankruptcy. In the bankruptcy the debts were discharged, years later I now find that Midland had placed a lien against my home. Nothing like circumventing the consumer laws. Midland is bound by a federal judge's order and they take it upon themselves to violate a court order. Where is my protection from them?
Newsflash!! Along with everything else Midland is doing. It is also stealing its customer's Escrow Account if there is a positive balance when the account is transferred over to them. They continue to deny receiving $5,200.00 on my behalf and claim that my escrow account had a "negative" balance. Any dummy knows that a negative sign in front of any number is equal to a credit. The statement given to me by the prior loan holder clearly shows a credit balance on the statement and being turned over to the new lender. Check your statements! Keep all of your paperwork from your old lender! I can wonder how many other people has had their escrow monies stolen from them by Midland!!
Our house (rental property) was vandalized in July 2016. Check from the Insurance Company was signed and sent it over to Midland Mortgage in September. Representatives at the mortgage company were inconsistent in what they conveyed. Their system could not even download PDF files. We have left messages for supervisor and it appears they don't care. After 2 months of back and forth with Midland Mortgage several times, the check of 1/3 amount was received from them by the end of November. By then the contractor left us.
We started all over again and waiting for the reissued check now. We are paying mortgage every month and the house is not in a shape to have occupancy. For getting the mortgage payment in case if it crosses 15th of the month Midland Mortgage will call to remind without fail but very poor service in taking care of their responsibility. We are still waiting for the check from Midland Mortgage and it is 6 months passed the vandalism.
My house was flooded in August 2016. My insurance company had a check in my hand in 4 weeks. I signed it over to Midland Mortgage. It's been 7 weeks and I haven't gotten the 1st draft from them. I have given them every piece of information they have requested more than 5 times. I have called and called and called and no one can help me because it's being processed, or it takes 10-20 days for it to get into their paperless system, or it takes 10-20 days for the mail to arrive in Oklahoma from Louisiana. They must have 100's of scripted lines of crap!!!! My mortgage is current and I am paying $1,000 in rent every month. My contractor has been ready for 5 weeks now and still nothing! I emailed my local tv stations today. I take it back, I emailed ALL of my local stations!!!
My son has a loan through Midland. He is 60 days behind in his payments due medical bills. He has not been able to make the back payments, but does pay every month, so not to get any further behind. He was told that as long as he doesn't get 90 days behind that he would not go into foreclosure, which he is not. Two days ago he got a letter from Midland Mortgage asking him to contact a foreclosure attorney. Also, they did not accept his last payment and returned it, which now puts him 90 days behind. I feel this is a very shady way to get his home, which has a lot of equity in it. He has been told, unless he pays all the back payments he goes into foreclosure. Somehow he will manage to do that, but I will advise him to find another mortgage ASAP. In the past I worked for a mortgage company, and I'm glad to say they did not use such unfair tactics to acquire someone's home.
I own a roofing and home improvement business. One of the things we do is help people through the insurance claim process when it comes to damage caused by weather or falling debris. When a homeowner has an insurance claim on a property in which they have a mortgage, the benefit check is made payable jointly to both the Homeowner and the Mortgage Company. Most of the time this is not a problem... unless Midland has your mortgage.
I have had the unfortunate task of having to deal with Midland on a customer's behalf. In a current instance State Farm paid for a total roof replacement as well as some interior damage caused by the damaged and leaking roof. The claim was made AND settled by State Farm on June 3, 2016 and the customer received a check for the full amount of their damages ($21,500.00) less homeowner's deductible ($2,500.00). Customer received check for $19,000.00 made payable to them and Midland. Midland required standard documentation from my company which we provided and sent along with the check to them (Midland) so they would endorse it.
Now, normally, the mortgage companies simply endorse the check and return it to the homeowner. In THIS case Midland has held on to the $19,000.00 check since June 6, 2016 the date they received it. Yesterday, 09/06/2016, Midland finally sent a portion of the money ($ 12,250.00), back to the homeowner to pay for the commencement of the work.
The unethical thing is this, Midland has had the benefit of earning interest on the customer's money for almost 90 days. In addition, the homeowner has suffered additional damage to the interior of their home because the roof wasn't replaced and subsequent storms (in south Louisiana) really did a number on the roof. Now, I will have to do the work for the customer and probably have to wait another 3 months to get Midland to release the balance of the $19,000.00. MIDLAND MORTGAGE SUCKS!
MY loan was originated with Irwin Mortgage. Several years ago they closed and transferred the servicing to Midland Mortgage. At the beginning they seemed like a great company to deal with and very knowledgeable. However that all quickly changed. In June of 2013 I found out I was going to lose my job working for another mortgage servicing company. I did everything in my power to at least make a payment most months to avoid foreclosure review or etc. I finally broke down and in approximately April of 2015 I called and had to be put on an unemployment forbearance plan. I told them this was just going to cause my home to be further behind and a foreclosure to occur.
They advised that in October I would have to pay the full amount due or a repayment plan to bring the loan current and not be put in foreclosure review. I was making less money and could afford a monthly payment but not 3 that would be a repayment plan to bring it current in 3 months. So I will admit I was defeated and basically just ignored things.
In March I spoke with Midland surprised it was not in foreclosure yet. I was told I could pay less than 250--this would hold back the foreclosure review and maybe get a modification in April. I did pay a payment while I decided what I wanted to do and the decision was I wanted to sell either for total due or a short sale but I was done dealing with this mortgage company.
I called in May asked for a payoff that I do this day never received. I then called again in June and my realtor did asking for another payoff since the loan was now in foreclosure so we knew what we needed to list it for. It took almost 2 weeks to get the figures and get an approve to postpone the auction date from 6 /30 to 8/4.
Here is where the complaints come in. In May I believe the 27th it was referred to foreclosure. My way of being notified was from a appraiser calling, requesting access for the appraisal they had ordered. Midland refused to tell me the name of the attorney and said they mailed me the info. 15 days later I received a letter from Orland Associates Troy Michigan that advises they are handling the loan but they had my City listed as Albion and I live in Kalamazoo so this is wrong. I call and advise them of this. I also call the mortgage to request the extension as well as possible short sale approval and etc. I also called Orland to ask why there was no notice listed on my home since I was advised legally there had to be one. That day they put one up with the sale date of 6/30. Finally we get approval to postpone that sale and I get a payoff so the house can be listed on the market to sell.
I am notified on the phone by Ted (the only person in that foreclosure department) that the sale date is postponed until 8/4. On July 19th I called and spoke with Ted on the phone requesting that the sale be postponed because I still don't have an offer but we are actively trying. He said after a long conversation that he would put in the request and to try to verify later that day. I called at 4 pm their time and he still had no answer. I called back again last week to verify and he left me a voice mail saying that the auction date was moved from 7/28 to 8/4, umm where did the 7/28 date come from because I was never told that date to start with. I was told 8/4 and then now he says that was an error, that was off my original request in June to postpone the sale date, and it went straight to 8/4.
I have a possible offer on this home that was coming in yesterday that I now have to say sorry too because this company failed to request and extension in a timely fashion and is allowing my house to be auctioned and this offer is likely a short sale so it is not going to be approved. The bank is going to end up with a house that they can't sell based on the condition of the home. I demanded a manager call and have received nothing. If Ted actually did his job along with the other reps months ago and didn't give inaccurate information this would have all been avoided. However the biggest issue is that now I am being told I never called except to get the status of the extension on Friday which is not true and that I never requested an extension on the auction date.
I was unfortunately caught up with the 2008 housing crash, and at the time, had two homes, one in Vegas, and a smaller home in Mesa, Arizona. We were forced into bankruptcy, and all of a sudden, this Midland Mortgage became Citibank's collector, or as I was told. My lawyer, and I, sent numerous letters requesting reaffirmation documents. They ignored all the letters. Since 2011 at the adjudication of the BK7, Midland has been receiving monthly payments on-time, but have yet to never enter this data as positive on my credit reports. I have even asked for a settlement payoff, and since they are nothing more than a collection agency, as I have been told numerous times, they have rebuffed these requests.
Midland Mortgage has refused to reaffirm after the bankruptcy, refused to give me proper acknowledgement on my credit reports for continuing to make payments, and are plain rude and disgusting on settlements, even though, they continue to say, they are a collection company. They have screwed me over on this VA loan, made through another mortgage lender, which they evidently got collection responsibility for, yet make no efforts to settle. These people are criminals openly screwing over people.
I have to be out of my home by July 15, 2016. Although I did not have issues with Midland ignoring calls and things I did have to send them the same paperwork repeatedly. My husband was injured and out of work and I didn't make enough to pay the mortgage myself. For a while I would send partial payments but they wouldn't apply the funds unless they had the full payment. They did do a modification with me but they increased the mortgage payment. I had to agree to it and sign to buy time. Otherwise foreclosure proceedings would have continued then.
There was nothing we could do. We didn't qualify for any of their programs. My loan is a VA loan but I am not the VA. My ex-husband is, and even though the court awarded the house to me the loan company wouldn't remove his name from the loan. He had let the house go into foreclosure before it was given to me so I had no way of getting a different kind of loan. I was stuck. One of Midland's representatives told me at one point that they didn't care if I saved my house because the VA backs the loan so they are gonna get their money either way. Is there anything I can do to save my home at this point. My husband is working now and we would be able to pay the mortgage.
I called last Friday the 13th! Spoke with a fella, he stated his name was Fred! He must be working by himself, he kept putting me on hold. I have paid my mortgage off, like 15-17 yrs ago. My husband and I would like to buy a second home, but I need a copy of my mortgage "paid off" statement. He stated it would take 7-10 days. I asked if he could email it, "No, but could Fax it." We gave him a fax number, we never rec'd it. So now I tried to get in touch with Midland to see if it was mailed out or what is the story. My phone goes dead. With each phone I tried to call with, did they(Midland) put a "Do not call" on my phone or what??? I do need that statement and have no idea how to reach them!
I had a house fire in Feb. 2015. Midland was the worst company to ever have to deal with. They withheld money on numerous occasions for the contractor and he was not able to complete his work in a timely manner. After the inspection to release the hold back amount from the insurance company, the contractor did not finish the work. We parted ways because of this. Midland never sent out an inspector for final inspection after funds were released.
Now they are holding a final amount of money for additional work needed to be done, and they told me because I do not have a contractor I need to send a supply list for material needed, and they will send out an inspector to see if work was done. WHAT??? They did not even send out an inspector for the contractor and paid him in full!! I was never communicated with at any time during this process of any additional things needed to move checks along. Instead, I only received information when I called.
My house, which was not a total loss, took over 10 months to get repaired because of Midland's handling of the funds. At one point I had to have a 3-way conference call with a manager and National Fire Adjustor's to get some answers as to why the funds were being held up. It wasn't until then that a large portion of the funds were forwarded. They are a nightmare company to deal with in a crisis situation. They have made an already difficult situation even more difficult.
Midland mortgage is the worst company I have ever dealt with on so many levels. These people ruined my credit. I refinanced for a lower payment. They said to start making my new payment on time for 3 months and that would complete the terms of the few once agreement. Made the payments on time and in full. Next month I check my credit report these people reported me 90 days late. I had to pay for a credit report 40 dollars and fax 50 pages to these jokers to get them to remove that 90 day report from my credit. Why would I refinanced and let these people ruined my credit. These people are scumbags and should be shut down. I think I will take all future mortgage payments and give them to a lawyer instead. Never do business with these people.
This is one company you don't want to do business with. If your mortgage loan get sold to this company, I recommend you to refinance as quick as possible. My house caught fire 3/4/2015. I just moved back into my house on 11/4/2015. During the build out, the contractor saw that the insurance co. left out items in the estimate so they had to send a supplement to the insurance co. The estimate was revised and the supplement was paid. The insurance co. had to send the final check to Midland Mortgage. Then they were to send the check to me so I could pay the contractor. The final check was sent on 11/17. They claim they didn't receive the check till the 25th. I was told they will mail the check out in two days. Two days, never came so I called Midland Mortgage back again asking when will the check be sent out. The contractor is waiting to be paid.
Midland said "we need to have several managers approve the check first then we will mail the check out". I had to call again. They told the same story. After that I said "put a manager on the phone cause I'm tired of your company telling the same lie." Once the manager came to the phone she stated we have to come out and do another 100% inspection. On 11/3/15 the insurance company and the Midland Mortgage sent out an inspector to do a 100% inspection. The insurance co. said "in order for us to send the final check to Midland, we would need to do a 100% inspection." So we set both inspector to come out on the same day which was 11/3. Now that the insurance co. has sent the final check to Midland. Now they want to do a second 100% inspection. What kind of sense does this make?
Midland claim due to the check being in a different amount, we need to inspect one more time. But when was they planing on telling me? When I have called them 4 times asking for the check and was told each time when the manger sign off on the check we will mail the check out? If I would not have asked for a manger and asked why am I being told you all need a manager to sign off on the check before you can mail it out, that is when Midland manager Maria ID # ** told me "they need to come out and do a second 100% inspection. I'll put a rush order in for 24hrs." 24 hrs passed, never heard from an inspector. I called back again, spoke with Deonna ID # **. I told her that I was suppose to hear from the inspector in 24hrs. Deonna stated "I see the order but it hasn't been sent in. It's going to be 2 to 3 days."
I asked for a manger again. Brenda ** ID # ** came to the line and said the same thing "I don't why Maria told you see could put a rush in because it's going to take 2 to 3 days for a inspector to call you then 5 to 7 days after that before we can send the check out." This company has reps working who is not properly trained and don't have a clue to what's going on in the company. Midland Mortgage needs to be closed down. My contractor has been waiting to get paid for a job he has been done with now for over a month and still have not gotten paid. I'm letting you know now if your loan gets sold to Midland Mortgage, refinance your home immediately.
Customer service is horrible and rude. I work for a mortgage company that their borrower is going through and even though I have signed consent from the borrower and sensitive information that should get me the information I need, they were rude and not helpful at all. Total ** show. Would not recommend to anyone.
Horrible place. Customer service reps. are so damn rude. They are very incompetent and ask for the same thing over and over again. The Banking Commission really need to look into this institution. Cant wait to refinance.
Back in March 2013 my step dad passed away. I had my mother POA to help her sort out finances, etc. Aug of 2015, my mother passed away. I notified MM about each death. I have sent wills, death certificates and whatever else they request. Since I am the only child, I have been trying to assume the loan and make payments so I can keep the house. For the past year and a half, every time I send info they request, about a month goes by and I get another letter requesting something else. I understand there's a lot of legal matters in the case of a death, but after a year and a half or more, they are still sending me letters requesting information that I have sent numerous times. Calling them doesn't help. They're rude and you can never speak to the person that actually signed the letter. Right after my dad died, I paid the property tax. I didn't know that MM paid them as part of the process.
I got a letter from them stating the taxes were paid and they would refund the money to me once they had my info. Well, that's been over 18 months and still no refund. This place is a nightmare. I wish I was able to refinance the house with someone else, but the way it looks right now, I'm going to lock the house up and let them have it. The house is nothing fancy and the loan amount due is more than I could sell it for. It's all my parents had, yet MM expects me to pay out of pocket for lawyers and appraisals. I ended up paying $500 for a lawyer to draw up a paper showing I was the only heir and so on, but fell on deaf ears... Now they want more from the lawyer and I cant pay $500 out of pocket every time they decide they need more info. This place is a joke - run away as fast as you can!
I was overcharged on a monthly basis, was told I would get a refund. Then after 8 months of waiting for them to say they were going over how they tagged on extra charges, I never received my extra insurance they charged me... just person after person that seem to say it would be sent to me and over a year. I could no longer Deal with a company taking my money and that caused multiple problems for me and my family.
I had to take what little money I had left to go out on my own and get it refinanced with a different company just to get away from all the lies and overcharges... as I received a letter a few months ago saying I was able to get refund due to a lawsuit which I have never to this day seen A DIME of it, but I thank God for who was able to put a stop to the fraud and an end to the many people affected by this. Respectable people work hard for their money and for a company you put your trust in holding the loan over the very roof over your own and child's head turn out to be thieves as well as liars. Still not a dime, they need to be confronted and held accountable for the poor actions and stress they cause to hard working families.
I agree with every single bad review. Thank God, my house is now paid off, and I don't have to deal with this rude, untruthful company. I too had no trouble until my loan was sold to Midland Mortgage. They constantly charged me for things I didn't owe. I paid extra every month, in order to pay my house off sooner. Even though, I checked the box on my coupon, and wrote a letter advising them to put it towards my principal, they would put it towards my escrow. I owed a very small amount @ 10 percent interest, when I got very sick. They didn't want to work with me. Immediately tried to foreclose. Thanks to my Mother or I would have lost my house over $1500. Absolutely, the rudest, most horrible company in America!
Our mortgage company was CitiMortgage. We applied for a reduction program with Citi, we were only 1 or 2 payments behind. We started this with Citi in Sept 2015, got an attorney to help us. Months went by, approximately 13 months, in the meantime our mortgage was sold to Midland Mortgage. It took them months to figure out if they were going to help us. Well back in June 2015, we got letters from an attorney saying we were being foreclosed on by Midland Mortgage. We never knew this, our attorney never knew anything about this. Did this behind our backs, now we had to file bankruptcy to keep our home from being foreclosed on.
Keep in mind we are on a fixed income, social security disability - that's all the income we have once a month, but they don't care about that. I really hope to God that we can sue these companies and win. They can't keep doing to people and get away with this **. We need someone to read this and help us so we can do something about this company. If someone reads this and knows what we can do about this situation, please let us know.
I incurred thousands of dollars of damage inside my condo due to neglect by our property management company. Long story short, my attorney recommended asking for a loan modification instead of going through foreclosure. I spoke to a rude "customer service" rep who took very little info from me but was able to deny my request. She recommended that I give up my home through a "deed in lieu". Thanks, but I'm trying to KEEP my house.
I have had my house for 14 years with Citi Mortgage and have never had a problem. My loan was then sold to Midland Mortgage and ever since then, they claim at least every month that I do not have insurance on my home. They have added their own numerous times, my agent has had to call many times to tell them that I do have insurance. As a result, my house payment gets getting higher and higher. I feel that they may be taken money from my escrow account. I would never recommend this company to anyone. Someone needs to look into this company.
Contacted this company to email them paperwork for another person. According to employees they are unable to receive emails until 24 hours have passed. That would make their computer system older than dirt. They can only receive pdf's but they cannot receive pdf's either. It takes two days for them to receive emails. The department that receives the emails opens the emails and forwards notes to the department that needs the email. The department has no phone system in to communicate with them. This is such a messed up company that needs a lot of help. I would think twice about locking yourself into any business like this.
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