I filed bankruptcy in November. I did not include my home in the bankruptcy. Anyway, we get 10 months into 2008 (October of 2008), and at this time Midland Mortgage tells me in November that they did not receive a full payment that month. When they told me this 10 months later, I was shocked.
I went to my bank to see if they could trace my money orders. One was for 1000 and the other was for 580. I sent all of my payments together in one envelope (2 money orders). Somehow they seemed to cash the 1000 money order, and the 580 dollar money order was not sent. They never told me I was ever late once since November. My bank found that the 580 dollar money order was still active, so I put a stop on that money order (the one they lost?). I got copies of everything sent to them.
Since the bankruptcy, they have this attorney wanting to foreclose on me because I refuse to let him change my payments. I did not lose this money order, they did, so I have been saving my house payments for 3 months. I refuse to pay for something that was not my fault. I have owned a home for about 19 years and never had problems until I came across Midland Mortgage. And you wonder why the market is like it is. (no professionalism) These are people that just don't care.
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