My husband passed away unexpectedly on 01/29/08 the day before our appointment to sign up for life insurance. We purchased the house on 09/18/95 and never was late or missed a payment. My husband re-finance with Fieldstone Mortgage and they sold our mortgage to Litton Loan and now Litton refuses to work with me.
I spoke to them in Feb of 08 and I was told that they would not be able to discuss mortgage until I faxed death and marriage certificate. I called them after I faxed paperwork and got someone different. They told me the person prior to them gave wrong info and i needed to fax all three plus copy of deed. They claimed they never got it even though fax report went through fine so I faxed paperwork again this time they did get it and noted the file so they could speak to me.
My company has a benefit fund to help out their employees with money that does not need to be paid back. March 1, 2008 they donated 6, 000 divided into two checks. 3017.64 went to the mortgage and the other check went toward my taxes on the house.
After that I went to RI Housing Authority and met with Mr. Paul Russo. I filled out forms along with a letter of authorization signed by me to give permission for Mr. Russo to talk with Litton Loan. What they do is take over the mortgage in order to reduce my monthly payments to fit my budget.
Everything was fine until late October. They ask him to fax a letter of authorization signed by me. (I don't know what they did with the first one we faxed) Everytime he tried to contact them they would not return his call and he would have to keep calling them back.
When he finally got a hold of them all they would say is that it was being worked on and they would get back to him which they did not. I called Mr. Russo weekly to see what the update was.
I called and talked to loss mitigation dept and was told that there was two programs they had. I did not qualify for the first but they would do a loan modification. I was sent forms in the middle of October from Titianum Solutions (a company that Litton uses for loan modification) that I filled out, notarized and attached all required documents. A check of 562.62 which was required was also sent. Everything had to be in by Nov 1st.
A Letter dated Nov 13th was sent back to me along with the 562.62 check that said the file was closed. I called and spoke to Iris (I'm not sure how to spell her last name). Her phone number is [protected]. She told me the reason they sent the check back was because my name is not on the mortgage note and they could not make any arrangements with me, even thought both my husband and my name are one the deed.
The same week I received a letter from a foreclosure lawyer noting that the house was being put in the Prov Journal on Dec 19th with a auction set for Jan 9th.
When I talk to them in Feb they never said they could not work with me because of this. They told me just the opposite. I have been constantly trying to get someone to help me. I spoke to at least 3 or 4 and some said I don't need a probate lawyer and 1 out of the 4 said I need to go to probate court which I am doing first thing 01/06/09. I wish Litton Loan would have said they could not work with me in Feb instead of deceiving me by saying that they would help me.