Consumer complaint received 2018-03-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (HI)

On XX/XX/XXXX our home ( XXXX XXXX XXXX in XXXX, NH  XXXX ), built in XXXX, suffered extensive damage from snow/ice. We received from our insurance company ( XXXX XXXXXXXX ) not enough money to completely repair the home because they would not acknowledge the full extent of the damage. We negotiated with the insurance company and our mortgage lender ( XXXX XXXX XXXX ( XXXX ), aka XXXX, XXXX, and now Mid-America Mortgage based in XXXX XXXXXXXX, VA ) unsuccessfully for almost a year. We received little assistance and had to rack up credit card and other financing debt to try to triage repairs and hold onto the property. We sought the assistance of contractor XXXX XXXX and paid him from the initial payouts to repair the roof, stop water damage from windows by replacing them ( {$3000.00} out of pocket ), and weatherize ( another {$2000.00} out of pocket ) the home to prevent further damage. He did this very well and passed XXXX and companies ' inspection, but he is still owed {$8500.00}. XXXX XXXX, public adjuster, was brought in to work with XXXX XXXX to point out the larger scope of damage but it did not occur fast enough to avoid our foreclosure. The water damage caused other systems to fail, such as a well pump ( {$8200.00} ) and the heating boiler system ( {$8700.00} ). I asked XXXX and XXXX, our insurance brokers ( XXXX XXXX, XXXX ) to file another insurance claim for the damage to the well pump and heating system but she advised us that it would be denied because of the initial claim still in progress. We have appealed over the past 2 years to the XXXX and companies for compensation of the remaining insurance monies of {$24000.00} to help hold onto our home and pay these outstanding debts ( {$17000.00} mentioned above for well and heating system ) and {$7000.00} owed to XXXX XXXX ( public adjuster ) and {$8500.00} still owed to XXXX XXXX construction. XXXX, the last company before Mid-America, promised us through their representative ( XXXX ) that the {$24000.00} would be given to us upon the presentation of 2 items. These were XXXX XXXX 's XXXX insurance form and the license/proof of legitimacy but New Hampshire requires no licenses. We have sent all of this information to XXXX, based in North Carolina. We filed a claim with the Department of Justice in North Carolina and were told that only Mid America can release the insurance claim funds upon completion of the insurance claim package. It is important to note that XXXX sent a letter on XX/XX/XXXX that asked for only the XXXX and one proof of legitimacy for XXXX XXXX construction but their XX/XX/XXXX letter expanded to 4 items of legitimacy including forcing XXXX XXXX to rejoin the XXXX XXXX XXXX. XXXX XXXX was an A+ member, proof of which I sent to XXXX, but he had to discontinue membership due to egregiously expensive membership fees. Nonetheless we provided all of the 4 proofs of legitimacy they requested. XXXX XXXX is mentioned in the minutes of the XXXX, NH sale of their XXXX building for repair and creation of office space, proof of which was sent to XXXX. But no money has been released to date. This has caused us to file foreclosure and bankruptcy proceedings, as of XX/XX/XXXX ( case # XXXX ). We now rent in Hawaii and are filing here. We are devastated financially and could use this money to pay our legal expenses and crippling losses. Our mortgage loan number was XXXX and the person we worked with at XXXX was XXXX XXXX ( XXXX and XXXX ). XXXX XXXX is suing us through the law offices of XXXX and XXXX, XXXX ( XXXX and XXXX ) for {$7000.00} if you need proof of legitimacy for XXXX XXXX. XXXX XXXX account ( for the well ) is XXXX and address is : XXXX XXXXXXXX XXXX, XXXX XXXX, UT XXXX. The boiler system was replaced and weatherized by XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, NH XXXX ) using their provided financing through XXXX XXXX. That account number is XXXX and address is : XXXX XXXX, Attn : XXXX XXXXXXXX, XXXX. XXXX XXXX, XXXX, FL XXXX. In conclusion, we believe that we have used the insurance money as it was intended to be used ( considering there was not enough to repair the whole structure ) and XXXX and their companies have not. In the last 2 years XXXX and their companies have not repaired the home or done any maintenance on it, nor tried to sell it. We have taken the loss while XXXX and companies have gained.