Midland Mortgage Company
Agreed $216 Payment Became $313 After Checks Held Unapplied

Our problems all started in 2005. In March my husband lost his sister, and in May he lost his father. Being the oldest, he had to handle his father's estate and take care of all the extra business that comes with that. To handle this, he had to quit his job because of the time it was going to take.

Because of some funds he had coming to him upon leaving his job, we were OK for a while, until around June. Finding another job was very difficult for him, and nothing seemed to be panning out. Naturally we fell behind, but when I could, I sent the usual payment plus late charges. We received a notice that Midland had not received any payments from us. When I called, I was told they had rejected our payments because we were in foreclosure and that the checks had been sent back to me in the mail. We received 1 of the 2 checks that were sent back.

We went through the high-pressure procedure of completing all the paperwork and making numerous phone calls to complete the application for assistance with their Delinquency Assist Center (D.A.C.), and jumping through hoops to get everything signed, notarized, and returned to them within a 2-day period.

In August, we received an agreement stating that our payments would be $216.07, with the first payment due on September 1. My husband did not find permanent work until the end of October, so we were late on the first payment. A payment of $225.00 was made on 9/13/06, a second payment of $230.00 on 11/8/06, and 2 more payments of $230.00 each on 12/29/06. That was 4 payments total, which meant we should have been current and owing for January's payment in January, right? Wrong!

We received a notice saying they had not received October's payment. I immediately went online and obtained copies of all four deposited checks, front and back, and sent them along with a letter asking them to please recheck their records, as I had sent payments all along. We received a notice back stating that the checks were for the wrong amount, so they were not applied to my account but were held in an unapplied funds account. I was then notified that the correct payment amount was $313.30, a big change from the $216.07 signed and agreed upon by us and Midland Mortgage, and we were never notified. Why would I pay $313.30 when the agreement was for $216.07?

I dealt with very rude customer service people who tried very hard to make me feel that it was all my fault for not calling to let them know a payment was sent, not checking to make sure the payments were posted to my account, and not checking to make sure I was sending the correct amount. We are now going through the process for a second time.

We had to put ourselves in more debt and wire $966.43 directly to MidFirst Bank (we could not express mail a cashier's check) for attorney's fees (theirs). This is a VA loan, so when Midland was confronted about why we were not notified of anything, they immediately said it was the VA's decision to send the account to foreclosure. I asked for a monthly statement showing the current balance and payments applied, and was told they could not do this and it was not their responsibility. I also asked for a monthly escrow account statement and was told the same. Anything I request that would put them in the responsibility seat is rejected.

The VA contacted us about payments of $150.00 a month for 11 months, after which payments would return to normal. We were extremely happy with that agreement. However, Midland Mortgage drew up a contract on April 9th, mailed it on April 16th, and we received it on April 18th, and Midland wants everything back on April 20th, signed, notarized, and express mailed. Looking at the contract, the payments are set at $402.44, not the $150.00 previously discussed. We are in the process of taking this up with the VA once again, and we are seriously looking into getting an attorney.

It is a relief to know we are not alone in this struggle. It is not a good thing that this is happening to innocent, law-abiding people, but somehow we have got to put an end to this.

Company: Midland Mortgage Company
Country: USA
State: Oklahoma
City: Oklahoma City
Address: 999 NW Grand Blvd STE 100
Phone: 8006544566

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