I have filed a lawsuit in the Circuit Court for Baltimore City, Maryland, Case no. 24-C-04-000900, against Midland Mortgage, Midfirst Bank, The Fisher Law Group, et al, its Substitute Trustees.
There is clear and convincing evidence of a willful and intentional violation of my rights under the Equal Credit Opportunity Act (ECOA), the Federal Trade Commission Act (FTCA), Federal Reserve Board Regulation B, the Fair Credit Reporting Act (FCRA), and an obstruction of justice.
I received a letter, credit forms, a request for financial information and a request for copies of my pay stubs from Midland Mortgage company, asking me to complete and submit them for special consideration to enter one of their special assistance programs (including an FHA special loan program) that would help me rehabilitate and/or refinance my FHA mortgage loan.
The minute Midland Mortgage stated in their letter that they would only notify me if I qualified for refinancing and/or one of their special assistance programs, they were in violation of ECOA, Regulation B, and FTCA. Midland Mortgage did not notify me in accordance with Section 202.1 of ECOA and Regulation B adverse action, 202.2 (c) (1) (i), 202.9 Notification of adverse action, and 2 (c) (2) (ii).
Midland Mortgage further violated my rights under the Fair Credit Reporting Act (FCRA) by not notifying me about their use of a credit report from a credit reporting agency, supplied to them by another lender. Midland had the company they purchased my mortgage from pull the credit report and pass it on to them to get around the law. The Fair Credit Reporting Act covers the use of third party credit reports also, and an applicant must be notified if denial of credit is based on information obtained from the credit report.
I continued to make mortgage payments as Midland requested while going through the eligibility process. Midland Mortgage proceeded with a foreclosure on my property without notifying me that I was denied or that I did not meet their eligibility process, while I continued to send in monthly payments for six months after the foreclosure.
They had their crooked lawyers obstruct justice by submitting a false affidavit of service stating I had been served to appear in court at the Circuit Court of Baltimore, Maryland, so that I would not appear in court to try to block the ratification of sale. I found out about the foreclosure and ratification of sale five months later, when I received an eviction notice taped to my door by the sheriff.
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