I was negotiating a settlement with XXXX XXXX XXXX regarding a Midland Funding account. After submitting my hardship proof and making numerous calls, with no callbacks, I was told that they faxed a 'payoff ' letter to XXXX XXXX , who was NOT and is NOT representing me ... he was representing the bank on my foreclosure. I repeatedly called XXXX regarding XXXX party disclosure and violation of the FDCPA and I could never get anyone on the phone -- left numerous messages to no avail. When they told me what they did I immediately advised that they were in violation and I was basically told 'big deal ' and the call was terminated. I have attached the letter I have sent to them, but I wanted to go on record in case I still get no satisfaction.