I am a contractor in Massachusetts and was hired by a homeowner to estimate what it would cost to replace his garage, which collapsed due to an unusually large snowfall we had 2 winters ago. My price was accepted by his insurance company and they sent the homeowner a check for the full amount of the replacement cost. I was hired and immediately started the work.
The problem arose when Midland tricked the homeowner into endorsing the check and sending it to them. They said this is standard procedure. I obtained all the appropriate permits, demolished the old building, had the lot surveyed and poured a new foundation. Midland refuses to release the funds to pay for this work. I have fought with them on the phone on the owner's behalf for months and they still refuse to pay.
The contract I have is between me and the homeowner, not between me and the bank. I feel bad for the homeowner because his loan is in good standing; they are just stealing his money and he is paying interest on it. The worst part is that my only recourse will be to put a lien on his house and bring him to court for payment, as the contract is not between me and Midland. The government has hundreds of complaints against these thieves and does nothing. It makes me sick.
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