I have been trying to modify my loan since November 2008, when I first called them to find out if I would qualify for a loan modification; they told me that they need it to collect all my income information and expenses over the phone. After giving them all my information I was told that I would qualify for it, and all I needed to do was submit all the necessary paper work, I was also told at that point to continue making payments on my mortgage on time in order to qualify for it, well I kept on paying my loan on time even though I was having a hard time meeting other responsibilities; February came I still didn’t have any answers about my loan modification, so I decided to call them after so many month of follow up with them, I was told by one representative that according to their records I was on time so they did not believed I was having a hardship; at this point I though "well are they crazy or what?! So I though they were forcing me to go on default in order to qualify for it... So I did, for 6 month. Eventually they put my house into foreclosure, so I decided to work with one of the government agencies call NACA. Then they decided to start working with me again, they send me the work out plan paper work with the tree month trial period, I agreed with their proposal send every piece of information they requested at the time, and I start making payments soon after for tree months in a row on time. At the end of October I received a letter from them asking me for the same information they asked before the trial period started (meaning that they wanted me to start the process over again), I decided to wait until the end of October thinking they have made a mistake, but rather I received another letter stating that I did not qualify for the work out plan because I failed to meet the trial period payments, at this point I called them, and this was their excuses: " Well the first 2 payments you made via quick collect were send back to Western Union because you did not provide all the necessary information, and the third payment we decided to keep to cover our company's legal fees, but if you want you can applied again for a reconsideration" I was fuming just to hear all the nonsense’s excuses so I said "fine it seems that your company want to keep me in the loop, I would contact Western Union to make sure they have my monies" The lady I was talking to was very rude, unprofessional and very disrespectful to me so she reply: " We will put your house into foreclosure again".
All this trouble I have been thru with this company is fine and all, but here is the real problem " After calling Western Union, and being on the phone for more than 45 min with them they told me that all the moneys were paid to Litton loan servicing, and there is not monies to be reimbursed back to me" So know it's clear in my mind that this loan company is a SCAM, and a PREDATORY LENDING INSTITUTION. So for those home owners that have Litton loan servicing I am encouraging them get together and fight for our rights.
yes they are crooked, they stoled my money i send to them for three consecutive months, for the work out plan. they said they received them via Western Union, and they send it back to me. BS! i called Western Union and they said that all the monies was paid to them. They also told me that i did not qualify for a loan modification because i failed to make timely payments on a letter i received, after speaking with some rude, un professional lady at littons they said the real reason was because they were missing some information. What a Layers uh!
sorry my friend to heard about your problem with litton loan servicing, they are a predatory institution. if you hire a lawyer to suit them, please let me know i want to be part of it.
