I have been in constant contact with Midland Mortgage, trying to get them to release the insurance check issued for damage done to my property by hurricane Katrina. My insurance company, by the way, acted promptly. My damages were the entire roof and the air conditioning unit. The check was for $6,900.00.
First, they wanted estimates, which in this area during the first few weeks of the aftermath were very hard to get. I found them, faxed them, waited 2 weeks, then called, only to be told by Midland that they needed signed contracts. So I got them signed and faxed them the day I spoke with Midland. Then I waited, and waited, and another 2 weeks went by.
Finally I did receive a call, from the roofer, who wanted to know when I was going to honor the contract Midland had me sign. I explained, and they were very nice about it and went ahead with the roofing job on good faith. The A/C man was not as kind. That was about a month and a half ago. The roof was installed, and afterwards the house was sold, and Midland received its money for the balance of the principal owed. I received no calls from Midland during all of this, but I did receive many calls from the roofer, who would like to be paid, and from the A/C man, who would like the job that our contract states is his, and of course to be paid.
Midland has promised me time and time again, through a lady named Gretta who is supposed to be handling our case, that the check "is being sent," "has been sent," or "will be sent." My personal favorite occurred on January 20th: "where would you like the check sent." That one occurred when they had told me the check would be sent on January 16th.
Today, January 23, I called Midland for the last time. They were informed that they have 5 days, and then they will receive a rather legal letter from my lawyer explaining how we are going to sue them for not only the check but all other expenses incurred during this mess. On a final note, I contacted my insurance company and found out that Midland cashed that check months ago. Yes, Virginia, there is a Santa Claus...
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