In Sept.2010 I got a call from a co.called Midland Mortgage asking where my payment was. I had no clue who they were. They told me they were my new mortgage co. and that I had been sent a letter and coupon book, never happened. I contacted Wells Fargo, my present co. whom I had a forbearance agreement with and had just paid over $6500.00 to. The said they Midland was my new co. and the money paid would be honored by them. It took until late Oct.for Midland to discuss any arrangements with me and they had no knowledge of the $6500 and kept saying Wells Fargo hadn't transferred it to them yet. I asked each time, contacting them 3or more times a week, "How much do I send and to what address?" By the end of Nov. they started asking me to fax information to them. Each time it was different, with the promise to contact me after they reviewed the info faxed. I always had to call them. They would then request more info. Once it was my daughter's birth certificate, the next time it was a letter written by my 88yr old mother saying she lived with me. 2010ended and nothing was resolved. Jan 2011, I receive notice to appear in court for foreclosure proceedings. I went,the judge was not interested in the fact that they stated I had not paid anything since 12/2009, which was a lie. They also stated they had no record of the $6500 I had paid. The day before court the office told me, "Yes we now have record of that payment, however, it is in a "Suspended" account to cover your foreclosure cost." After appearing in court Jan-Mar at least 6 times, the judge saw from my records I was not as far behind as they stated and they withdrew.
Less then 6wks later I get a summons to appear for forclosure proceedings in May. The end of July the judge allowed the foreclosure and the sale date was set for Sept. The new sale date will be set on Oct.28th only because I filed Chapt7 to stall since we have no place to go.
I owned this house for 14yrs. and before the market went crazy it was valued at 250,000. and I owed 135,000.
I filed with the FTC that did nothing!
I made hundreds of calls to Midland, that did nothing!
I faxed, mailed, verified everything I was asked, nothing!
Now they will have my home and I will have NOTHING!
Monetary Loss: $175.