• Report: #170215

Complaint Review: Midland Mortgage Company - MidFirst Bank

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  • Submitted: Tue, January 03, 2006
  • Updated: Wed, December 10, 2008

  • Reported By:Aurora Colorado
Midland Mortgage Company - MidFirst Bank
mymidlandmortgage.com AND midfirst.com , Oklahoma U.S.A.

Midland Mortgage Company - MidFirst Bank along with a network of racketeering partners including government officials deFRAUDs consumers ripoff Oklahoma

*Consumer Comment: UPDATE BY AUTHOR

*Consumer Comment: Lawsuit was administratively closed.

*Consumer Comment: Lawsuit was administratively closed.

*Consumer Comment: Lawsuit was administratively closed.

*Consumer Comment: Lawsuit was administratively closed.

*UPDATE EX-employee responds: Make your payments

*Consumer Comment: Me Too

*UPDATE Employee: Were out to get you...yeah right

*Consumer Comment: All The BANKS ARE CROOKS

*Author of original report: PETITION against bad-faith practices of Midland Mortgage Company/MidFirst Bank et al

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Midland Mortgage Company, mortgage loan servicer of MidFirst Bank, in collusion with other entities engaged in illegal foreclosure actions against my home. I know that people like a certain poster using a single identifying letter to identify themselves (though not 'X' or 'Z' for say Zorro) appear to be employed by this group of racketeers purely for the purpose of attempting to undermine their victims' credibility online. This site probably does a very good job of ensuring that people are writing from the locations they claim as such people that appear to be MidFirst/Midland employees, whether claiming to be EX-employees or employees of some unnamed oversight agency, so far 'happen' to be writing in from their HQ state of Oklahoma. Consequent to the inevitable fending off of such professional harassment (i.e. by people apparently compensated to make their living thus, as the rest of us stand little chance alone against them since we can't work full-time on defending ourselves while they work full-time on attacking us) I am going to budget my energy by communicating what's happened in my case in installments-updates & responses.

I completely relate to Steven of Yalaha, FL, http://www.ripoffreport.com/reports/ripoff141207.htm Yet another way that MORTGAGE COMPANIES *DO* GET TO **PROFIT** BY FORECLOSING ('unjust enrichment' for which there is in theory legal recourse) is by more of the False Accounting practices that enable them to foreclose in the first place in cases where foreclosure is against the law, were the law to be enforced.

In my case there was a lot of equity and the mortgage would soon be paid off and I fulfilled my responsibilities and went further e.g. making over-payments that were supposed to be applied to the principal but were instead pocketed. But MidFirst/Midland was determined to usurp as much home equity as possible so they manufactured grounds for foreclosure by for example pocketing payments instead of crediting them to the mortgage-account then claiming that the payments were not made, and they skipped along to foreclosure.

It was proven that the allegedly non-made payments were in fact made but no one held MidFirst/Midland accountable to transfer the previously 'missing' money from their pocket to the mortgage-account. They merrily made off with all sorts of 'Fees' including HUNDREDS OF DOLLARS represented by them as having been paid to the Public Trustee while the Public Trustee's office acknowledged that they "did not receive a penny" of what was therefore falsely represented as an expense of & by MidFirst/Midland.

There is a one-year waiting period required by statute here in Colorado to re-initiate foreclosure. This statute is enforced better than some others therefore MidFirst/Midland initiated another foreclosure, and once again without actual grounds, EXACTLY one year later.

This time rather than manufacturing grounds, their main strategy was to do whatever they could to PREVENT ME FROM FINDING OUT that they were taking foreclosure action against my home. In addition to somehow being allowed by the Court to not name me a party to the foreclosure hearing, suddenly my MAIL was being TAMPERED with, my computer started getting deliberately attacked. And yes, Julie & company, I have proof that such attack was coming from the MidFirst/Midland gang.

After an unusually high number of transfers (according to a Clerk of the Court) from one Judge to the next, they finally got a Judge to provide their rubber-stamp - despite my having submitted proof-positive that I was not even provided the legally REQUIRED (but apparently not enforced) Notice and Summons, much less any other Due Process requirements e.g. grounds with which to foreclose in the first place.

While this is an Outrageous & Popular Ripoff (from the ripoffreport.com categories) the MEDIA HAS BEEN so SILENT on this type & source of fraudulent activity that many would probably guess it to be an Unusual Ripoff. The status of this particular series of events is that I have just initiated a FEDERAL LAWSUIT in the U.S. District Court, Colorado and was compelled to file pro se due to MidFirst/Midland's INTERFERENCE WITH the ATTORNEYS I have consulted e.g. sudden conflict of interest. Therefore I am seeking legal representation and want to establish contact with homeowners who have been similarly situated (anywhere but especially if present/presentable in Colorado).

SC (of chinyere.com)
Aurora, Colorado
U.S.A.

This report was posted on Ripoff Report on 01/03/2006 09:00 AM and is a permanent record located here: http://www.ripoffreport.com/r/Midland-Mortgage-Company-MidFirst-Bank/Oklahoma/Midland-Mortgage-Company-MidFirst-Bank-along-with-a-network-of-racketeering-partners-inc-170215. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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REBUTTALS & REPLIES:
0Author 10Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

UPDATE BY AUTHOR

AUTHOR: SC (of chinyere.com) - ()

I just happened across the comments since I last posted & updated here (in 1/2006) as a lot has happened since then, including assaults on my health from which I am still trying to physically recover, at the hands of the internationally networked party(s) referenced in the original report. Specifically, in response to the 'Employee' who wrote, "Were [sic] out to get you...yeah right", my counter-surveillance records show that they have indeed been out to get me, and I'm sure I'm not the only one who has received this treatment. At http://youtu.be/nKQs2TxHPM8 is a 1 minute & 53 second audio-file with transcript of some of the organized perpetrators in a meeting in which one said, "They want this woman... These are business partners..."

If a current or former employee (directly/indirectly employed) or other party knows the identities of the 'mortgage' company's "business partners", please share the information in the comments. That would be much more constructive than the general insults & innuendo I've seen so far by people supposedly not being compensated by the perpetrating party(s).

Thank you, especially to those who have added their similar experiences of being targeted by organized perpetrators (Rackeeteering Influenced Corrupt Organizations),
SC (of chinyere.com)
no longer in Aurora, Colorado, U.S.A.
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#2 Consumer Comment

Lawsuit was administratively closed.

AUTHOR: Robert - (U.S.A.)

The District Court ordered the case administratively closed.

The plaintiff had requested an extension or two to respond to defendant's motions.

The plaintiff claimed to have medical issues that prevented her from assisting her attorney with her case and to respond to defendant's motions.

The court ordered the plaintiff to provide the court with documentation from competent medical authorities to verify her medical condition and her inability to assist her attorney with her case. She failed to provide the ordered medical assessments to the court by the deadline ordered, so the judge ordered the case administratively closed.
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#3 Consumer Comment

Lawsuit was administratively closed.

AUTHOR: Robert - (U.S.A.)

The District Court ordered the case administratively closed.

The plaintiff had requested an extension or two to respond to defendant's motions.

The plaintiff claimed to have medical issues that prevented her from assisting her attorney with her case and to respond to defendant's motions.

The court ordered the plaintiff to provide the court with documentation from competent medical authorities to verify her medical condition and her inability to assist her attorney with her case. She failed to provide the ordered medical assessments to the court by the deadline ordered, so the judge ordered the case administratively closed.
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#4 Consumer Comment

Lawsuit was administratively closed.

AUTHOR: Robert - (U.S.A.)

The District Court ordered the case administratively closed.

The plaintiff had requested an extension or two to respond to defendant's motions.

The plaintiff claimed to have medical issues that prevented her from assisting her attorney with her case and to respond to defendant's motions.

The court ordered the plaintiff to provide the court with documentation from competent medical authorities to verify her medical condition and her inability to assist her attorney with her case. She failed to provide the ordered medical assessments to the court by the deadline ordered, so the judge ordered the case administratively closed.
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#5 Consumer Comment

Lawsuit was administratively closed.

AUTHOR: Robert - (U.S.A.)

The District Court ordered the case administratively closed.

The plaintiff had requested an extension or two to respond to defendant's motions.

The plaintiff claimed to have medical issues that prevented her from assisting her attorney with her case and to respond to defendant's motions.

The court ordered the plaintiff to provide the court with documentation from competent medical authorities to verify her medical condition and her inability to assist her attorney with her case. She failed to provide the ordered medical assessments to the court by the deadline ordered, so the judge ordered the case administratively closed.
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#6 UPDATE EX-employee responds

Make your payments

AUTHOR: Tres - (U.S.A.)

Here's an idea...stop shopping at Finger Hut and Fashion Bug and MAKE YOUR PAYMENTS. It's not that hard. I worked at Midland for four years and they are an honest, upstanding company. They will go to every effort to work out payment plans with you and use foreclosure as a last-effort. In fact, they try to avoid foreclosure...the attorney fees alone are outrageous and they do not want your property. In order for the mortgage company to even think about beginning the foreclosure process, your loan must be AT LEAST 90-days in default. That's not just an "Oops, I forgot to make my mortgage payment this month." That's three freakin' months. Come on.
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#7 Consumer Comment

Me Too

AUTHOR: Disgusted With Patricia - (U.S.A.)

This has happened to me too.
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#8 UPDATE Employee

Were out to get you...yeah right

AUTHOR: Your - (U.S.A.)

All of your complaints have 1 thing in common: you didnt pay on the mortgage note as promised under the terms you signed on to. If you had enough positive cashflow, we could get you on a program to help you save your home. If not, we can help you sell it. Simple as that. Our investors lose $$$ when we foreclose so its not in our best interest to do so (or yours because your credit will be destroyed to the point you may never be able to realise the "American Dream" again...)
So quit blaming the bank for your shortfalls. ***If you are having trouble paying on the mortgage, call the bank***, go to http://www.fha.gov and/or talk to a CCCS agency. Also, when your motgage company asks you for specific info (place of employment, financial info, etc.) give it honestly. We cant call your employer if you simply tell us we cant. And we cant help you if you refuse to provide complete and correct info....
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#9 Consumer Comment

All The BANKS ARE CROOKS

AUTHOR: Tim - (U.S.A.)

I was unlawfully evicted from my home by a Bank who was not a party to the mortgage contract. When any Bank purportedly sells the [Original Mortgage] between, You and the Bank, to another Bank, who FRAUDULENTLY lead you to believe, they have the right to payments from you, when as a matter of CONTRACT LAW, they ARE NOT a Party to the original mortgage contract, and therefore have NO enforceable contract rights agaiinst you, and therefore they just paid of your [mortgage]=[DEATH GRIP]with, the Original Lender, for you and withoout your permission.

HOW NICE OF THEM and stupidity on their part, because their name and address is nowhere to be found on mortgage contract between You and the Original Lender. Yet this goes on all the time by the Shyster BANKS' LAWYERS' and JUDGES'.

And YES All Banks hope you default on the original mortgage, because they make at least another 25% or more from the forclosure.

When my house was illegally foreclosed on by the Bank who was not a party to the Original mortgage contract I allegedly owed $77,000 to that Bank. At the illegal auction at the court house, that same Bank was the 'high bidder' and according to the court house records the second Bank bought my house for $75,575.00. I smell the stinch of a huge RAT!

Thought to ponder.

If the second bank bought the [Original Mortgage]for $77,000.00, and if they had the lawfull ownership by way of a lien, then WHY would they pay the Clerk of Court $75,575.00 for a house they already owned it.

All Banks' make OVER 100% PROFIT just from your signiture. Your signiture is used as collateral with the Federal Reserve Banking System [which is in violation of Federal Law.
SHYSTERS. SHYSTERS. SHYSTERS.
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#10 Author of original report

PETITION against bad-faith practices of Midland Mortgage Company/MidFirst Bank et al

AUTHOR: Sahar - (U.S.A.)

Just started a corresponding petition to help homeowners in the U.S. against the predatory mortgage-lending practices of companies such as Midland Mortgage Company. The online petition is at:

http://www.petitiononline.com/Midland/petition.html
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