Midland Mortgage

11/05/09 - Original contract was received and faxed to Midland Mortgage

11/09/09 - Shelter Insurance was contacted to look at the roof

11/23/09 - Shelter Insurance cut a check for $2619.48 made out to the seller and Midland Mortgage. Seller mailed the check to Midland up receipt.

11/24/09 - Received phone call from Midland stating they needed to net $50,400 after expenses in order to accept the contract.
- Received bid from Crown Exteriors from $5,500

11/25/09 - Contract addendum increasing the price to $56,000 was faxed to Midland

11/27/09 - A letter dated this date was sent to the seller stating that the check would need to be sent to Midland upon receipt, they would have the responsibility to ensure that the insurance funds are used to repair the property. In the letter for loans that are more than 90 days past due, said repairs would be paid.

11/30/09 - Seller Called to see why she hadn't received the check back yet.

12/09/09 - Received letter approvoing the contract for $56,000.

12/12/09 - Sales was closed with Alpha title in augusta Kansas. Midland was mailed a check for $50,400.

12/17/09 - Seller was told by Midland Mortgage that she should be receiving a check for the roof on Monday.

12/18/09 - Received Closing Worksheet, with midland netting $50,400.

12/21/09 - Contract addendum stating that the first installment check for the roof repairs of $2619.48, which she mailed to Midland on 12/21/09, was to be given to the buyer to pay Crown Exteriors. Once the roof work was completed, seller would received a check for $2552.30, which would be paid to Crown Exteriors.

12/24/09 - A letter dated this date was sent to tthe seller, returning the check for $2619.48, stating that the claim could not be processed until the paperwork from the insurance company, contractor bid, check endorsed by Monica, contractors license, contractors insurance.

1/22/10 - All above information was mailed to midland

Numerous -- The seller called numerous times trying to get the check returned.

3/03/10 - 1)Seller was told by Midland Mortgage that they were keeping the check as part of the short sale. Monica notified the insurance company.
2)Seller was told by Midland that they would issue a check back if we could show that it was part of the contract
3)Copies of the roof addendum & Crown Exterior bid was faxed to Zubaira Chowdhury at Midland.

3/09/10 - Alicia spoke with Shelter Insurance to see if there was anything they could do to help with this situation. Since the check was signed by both parties, they couldn't do anything about it.

3/11/10 - Seller was told they would call him back as soon as they were done reviewing the information that was sent to them.

3/25/10 - 1)Seller was told they were still reviewing the file by Ethel Slater
2)Final Invoice faxed to Shelter Insurance

3/26/10 - Candace emailed Latonia thrower, the negotiator for the short sale, explaining the issue and asking for her help.

3/31/10 - Alicia spoke with HUD - She was told that Midland probably offset their insurance claim with HUD. She said that was a mistake on Midland's part. They should redo the claim and the money to the roofing company.

4/08/10 - Alicai spoke with Latonia, she was told we must work with Ethel Slater as the file had be excalated. Ethyel was out of the office, so a voice message was left for her asking for an update.

4/13/2010 - Alicai left a voice message and sent an email to Ethel asking for an update.

4/16/10 - Ethel called and said that Midland had paid the money to HUD and was in the process of getting the money back.

4/16/10 - Carolyn Hanningan at HUD was assigned to help with the situation, Carolyn called asking for the lock box number and date the deposit was made to HUD. An email was sent to Ethel asking for said information.

4/19/10 - Alicia was copied on an email from Carolyn Hannigan to Ethel Slater that she was under the impression that Alicia and Ethel had communicated with each other on this file (I assume Ethel told Carolyn that she was unaware of the situation).

4/20/10 - 1)Alicia sent an email to Ethel and Carolyn stating that the buyer and roofing company were very upset, buyer was consulting his attorney.
2)Alicia received an email from Ethel stating that she didn't know anything about the lock box number and funds, but she would try to get to it.
3)Alicia received a phone call from Carolyn asking for a copy of the cancelled check from Shelter insurance.

4/27/10 - Seller mailed a copy of cancelled check to Midland

4/30/10 - 1)Alicia emailed the HUD case number to Carolyn
2)Alicia emailed Carolyn and Ethel stating that the check was endorsed by both the seller and Midland

5/03/10 - alicia received an email from Carolyn stating that she was trying to get ahold of Kortney Tibbetts, Pre-Foreclosure Sales manager at Midland Mortgage to try to get some help on the file.

5/07/10 - 1)Monica dropped off copies of the letters from Midland that she received in November and December (stated above). All information was sent to Carolyn and Ethel
2)Carolyn sent an email to Tony Hernandez at Midland, Manager for lost drafts, with about letters attached, stating that there was no evidence that the funds were ever received by HUD.

5/10/10 - Alicia called and left a voice message for Tony Hernanadez asking for an update.

5/12/10 - 1)Candace sent an email to Tony explaining that Cami Baker & Associates has been hired by the buyer, all correspondence will be turned over.
2)Candace received a phone call from Tony, he said we would check into the situation and have information for us by Monday.
3)Candace received an email from Tony stating that a check was sent to HUD for $3372.25, which included the insurance check for the roof and a rebate on taxes.
4)Carol sent the copy of the check to Sarah Martin at HUD

5/18/10 - Tony advised he was waiting on HUD to send the funds back to them for dispersement

5/19/10 - HUD required a new invoice from the roofing compnay breaking down the two installments to be paid.

5/20/10 - New invoice sent to HUD, Midland, & Shelter.

5/26/10 - HUD will cut the check after June 1st, since may business had already concluded.

6/04/10 - Midland recived the funds from HD

6/09/10 - Seller let us know that she had not received from Midland Mortgage

6/14/10 - Check received from Midland Mortgage

6/16/10 - Alicia called Shelter Insurance, they said they never received the final invoice, she faxed it over to them again.