I have all of the same stories as the other people on here. I filed for bankruptcy, and my original mortgage company sold my loan to Midland Mortgage. That is when all of my problems started.
I had been sending my payments to my original mortgage company, and I did not even get notice that my loan was sold, so I continued to send my payments to Cendant Mortgage. About three months later, I finally got a payment book in the mail from Midland Mortgage. I called Cendant, and they told me the loan had been sold. I asked what happened to the payments I had been making to them, and they said they had forwarded them to Midland.
I called Midland, and they said they did not receive the payments and that we needed to pay 5000 dollars to keep our loan or they would foreclose. I told them I had been making my payments, but to Cendant, because I never received anything telling me the loan was sold. Midland said I needed to figure it out. I fought with Cendant and got nowhere with these people.
Midland then said they were going to do a forbearance loan for us, even though I was not behind. I did not want to lose my home, so my husband and I agreed. They said it would take about one month to do all of the paperwork. One month later there was still no paperwork. When I called, they said they would just add that month to the program. It took eight months for them to do the forbearance, and the payment was going to be 1000 dollars a month. I could not afford that, so I said no, and they foreclosed on the house. My family and I had to move to Texas to live with my family.
They caused a lot of problems for me. I will never work with these people again.
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