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)