The information I have on Midland Financial is that in order for me to secure the loan I had to either get a co-signer, collateral or pay for the insurance up front which the dollar amount varied upon the amount of the loan. I didn't think anything of it because most personal loans are like that when you don't own a home. I spoke to like 3 different people at first then I dealt with one person named Paul Watson, then after I sent in my "insurance money" some other guy called me named Dave to confirm they had received it and that the money would be in my account within 48hrs. the guy even called me 2 days later to go over everything with me and sent me a faxed confirmation. When I asked him who was the financial institution that financed me and where is the information for me to send in my payments, that's when he got nervous and was stuttering. he told me it would all be in my packet that was going to be mailed to me. The next day I tried to look up their site to get the 800# number again because the money wasn't in my account and the site was deleted. I called the number for his line and voicemail picked right up but this time it was automated. His voice wasn't on there anymore. My heart stopped for a few seconds because they have all, I mean ALL of my information.