Midland Mortgage Company parent company Midfirst Bank locked me out, stole my personal belongings and took my home. Internet

To the 2 comments that question the original report:  What department of Midland Mortgage do you work in.  It is clear  you do not know really how Midland is.  They are there for one thing, Screwing the customer.  I have a positive escrow of over 50 grand, and know the hammer is coming down on me because I am right side up.   Even my attorney knows Midland "VERY WELL".  They take advantage of people and I am ready to file a class action suit against them..  When that happens, we will see who is laughing....I will let you know the attorneys name when it is filed.  I am finally pissed off.....

I agree with you 100% I believe the mortgage companies could and should be  more helpful
 and work with the homeowners to keep their homes and thereby saving themselves a lot of money and time.Common sense tells me that most people work hard to buy a home and often struggle to make the house payments. no one wants to lose their home.Everyone loses when a house is foreclosed
 the mortgage co loses payments,the home owner loses his home and all the money he has invested in the home,the neighborhood suffers
because of a vacant house.the only one to gain is the criminal who breaks in the house and steals
whatever he can get to sell fast and cheap.I am not a business person but common sense tells me
that if I work with people  we both  will benefit as an end result and I would have the satisfaction of knowing I had helped someone and hopefully when/if I ever need help someone would be there to offer me a helping hand.

I have recently had my mortgage taken over by Midland.  The original lender was Wells Fargo.  Wells Fargo knows how Midland operates.  In my opinion Midland does all the dirty work and repo's homes for any infraction.  Usually where homes have a good equity to debt ratio....

Because of that, I send all my payments Certified Mail/Return Receipt requested.  They do not allow payments over the phone, and will post your payment 8 days late.  In my case an 8 day late payment will cost me 80.00 in interest alone.  The are lazy in posting payment, say they never got a payment or anything that they can charge a fee on. 

When Wells Fargo turned my account over to Midland, WF failed to post a payment over 18 months ago.  When we caught the error, WF said they could not do anything because the note had been transferred to Midland.  I am waiting to defend myself with Midland cause I know its coming. 

My suggestion to anyone working with Midland is to do everything by Certified Mail/Return Receipt Requested.  In the letter contest any problems with the account.  Make the requests as specific as possible and under no circumstances hold a payment.  They will stall and then say they never received anything from you.  Good Luck and God Bless

I understand completely that falling behind on my payments is not the responsibility of the mortgage company. I reached out to the mortgage company several times when I realized I was in jeopardy of not being able to keep up with my payments. The mortgage company stated they could not help me at the time as I was current on my payments. Once I fell behind the mortgage company stated I had to continue living on the premises before they could consider any type of program that woul help me. It was a surprise to me when they locked me out as they knew I was still living there and did not notify me. All this time I was communicating with the mortgage company and submitting paperwork they requested but they failed to tell me they were taking possession of the property. Trust me, I am not asking to live for free. I realize that if I don't pay I have to leave. I would have left months ago but at the mortgage companies request I had to stay on the premises to get any kind of help.

For those who responded to my report, it is quite easy to judge.  I would not have complained if I did not have legitimate reason to. The mortgage company has the right to take the house but no right to take possession/steal my personal property. SHAME ON ME FOR LOSING MY JOB! SHAME ON ME FOR HAVING A CHILD  WITH A CHRONIC ILLNESS AND MOUNTING MEDICAL BILLS! SHAME ON ME FOR HAVING MULTIPLE COLLEGE DEGREES AND CAN'T FIND A DECENT PAYING JOB!  I am not asking for anyone's sympathy, I just  need to have my personal belongings return to me. Communication from the mortgage company would also be helpful. Voicing my concerns is what makes America a great country.  I certainly I am not looking for "free" or "squatting"' on anyone. I have paid my dues like all Americans, working since I was a teenager. I have achieved more than some "Americans" being an immigrant to this country.  Some mortgage company companies prey on people who are in difficult situations and Midland Mortgage is one of them.  #$$!!&&& the investors, they prey on people's weaknesses to make money, that's why the economy is such a mess!!!!

Sorry, but I'm confused.  How did Midland Mortgage cause you to fail to make the payments that you agreed to make for your home?  Also, assuming that they acted legally, well before they ever changed the locks it was legally THEIR house, not yours and you were ripping them off by squatting there.  You accuse them of "stealing" your home - but it actually sounds like you are the one who was trying to steal the home - by living there without paying for it.  You seem to think that you are entitled to have the home but that you shouldn't have to pay for it.  I don't know anything about Midland Mortgage, but most companies are owned by investors - people who contributed THEIR money to the business so that the business could loan that money out.  What makes you think you are entitled to a free house paid for by the people who invested in this company?  Most of the investors probably work just as hard for their money as you and I do.  I'm going to bet that they invested to help support themselves in their retirement, or with hopes of making a better life for their families.  But you think that they should give you a free house.  People like YOU are what is wrong with our country! 

It stopped being your home after you failed to pay the payments.  You owe them money.  You can take them to court to try to get your things back.

It is not the responsibility of the lender to find a solution for you to pay them back.

People are getting dumber every day.