Was forced to do a quick (short) sell.
My loan was sold to Litton Loan Services,they had me six month late on inception of loan.It took another six months to prove my payments had been maid to the previous lender bank of america.After all docs were proven,i recieved another letter stating i did nt have home owners ins.I continued sending my payments,six months later i recieved another letter stating i was month behind because they were applying my payments to insurance.I always had ins.I still continued to send mort payments,they started sending my payments back to me.Soon after i was showing nonpayments because they were returning my checks.I had a paraleagle that stated over the phone they could help me but once i took all of my proof to him,i was told he could nt help,i could nt afford an attorney so i eventually gave in to them.
My original refi was with Litton in 2005, then a loan modification was done in 2009. I did not get anything, just a package full of incorrect numbers and totally bogus charges that amounted to $84,000.00 claiming to be put into a balloon not in 2036. Never received a ratified contract and or any closing documants, just a P&I payment from clearvue/ FCI Lenders. I have been writing and asking for 2.5 years for a copy of my loan modification papers and an explaination why there were charges for $84,000.00 and why my 4.795 interest rate on the 240,000.00 mortgage balance is $1351.00 oer month. I also sent them money to pay my 2009 and 2010 taxes and the2009 were paid but not the 2010. I paid my 2011. I am a victim of mortgage fraud and can\’t get answers or copies of any paperwork signed by ANYONE. please help.I have lived in my home for 20 years and want to stay here.
no one really attempted to help us
Litton Loan finally did our Modification after I hired an Attorney. Brown & Associates (2316 Southmore Pasadena, Tx 77502) within 1 year , no late payments, Litton resold our loan to Ocwen. Now they want us to pay$352.38 for Assessed Fees/Expense Outstanding In Sep 2011 with new Ocwen as Lender, now they want me to pay the $352.38 – After no late payments at all.
Lender was WMC mortgage a GE company who was shut down by our state for predatory lending loan was serviced by Litton loan servicing then sold to wells Fargo and serviced by Americas Servicing Company which Wells Fargo owns would like to sue all lenders and services involved for monetary damages for predatory lending in which original lender allready has been found guilty of
Litton just sold me to Ocwen after years of penalizing me. I need help.
We have tried to wrap up our loan modification since 2007. We paid thousands of dollars on two different times and sent in modification papers at least 6 or seven times. They never recieved them we were told and told that we did not fill it out correctly. We could never speak to any one person and had to go over the same questions whenever we could speak to someone 30 to 40 min repeating the same answers that we had written ,and had to repeat the same thing over and over everytime we spoke counselors to no avail. When we got our statements it always told us that they could not give us a balance at this time. How about that? They even said that we had not made a payment since 2008! Who would allow someone to live in a house for 3 yrs and not get evicted? Please! We did everything possible to work with them to save the home we built. Our 1st note was $457 a month. We got refinancing with a fixed rate and I guess Litton bought it form them because after a year or so we recieved a letter from Litton stating that they were our mortgager and to make paments to them.Nothingele just a plain letter giving us info. on where to and how make paments. A few monts later our notes started to skyrocket. from $400, 600, 700, on up tp $1800. ARMS! How did that happen? We had a fixed rate and requested refinancing to get the fixed rate back. They told us that they had a remodification plan and for us to request one. Still hasn\’t recieved that it was finalized and got a notice that they were forclosing. We told them that it was theirs because we could no longer afford to deal with them and was tired of not being able to do anything else beside pay the mortage. Credit is bad, health not much better because of the stress. We moved told them the house is theirs 6 months ago. Last week we recieved a letter from them stating that Ocwen was our new mortager. We have had enough with these people and at a lost to what to do. Sue? Can\’t afford it now need to eat!
We have tried to wrap up our loan modification since 2007. We paid thousands of dollars on two different times and sent in modification papers at least 6 or seven times. They never recieved them we were told and told that we did not fill it out correctly. We could never speak to any one person and had to go over the same questions whenever we could speak to someone 30 to 40 min repeating the same answers that we had written ,and had to repeat the same thing over and over everytime we spoke counselors to no avail. When we got our statements it always told us that they could not give us a balance at this time. How about that? They even said that we had not made a payment since 2008! Who would allow someone to live in a house for 3 yrs and not get evicted? Please! We did everything possible to work with them to save the home we built. Our 1st note was $457 a month. We got refinancing with a fixed rate and I guess Litton bought it form them because after a year or so we recieved a letter from Litton stating that they were our mortgager and to make paments to them.Nothingele just a plain letter giving us info. on where to and how make paments. A few monts later our notes started to skyrocket. from $400, 600, 700, on up tp $1800. ARMS! How did that happen? We had a fixed rate and requested refinancing to get the fixed rate back. They told us that they had a remodification plan and for us to request one. Still hasn\’t recieved that it was finalized and got a notice that they were forclosing. We told them that it was theirs because we could no longer afford to deal with them and was tired of not being able to do anything else beside pay the mortage. Credit is bad, health not much better because of the stress. We moved told them the house is theirs 6 months ago. Last week we recieved a letter from them stating that Ocwen was our new mortager. We have had enough with these people and at a lost to what to do. Sue? Can\’t afford it now need to eat!
We have tried to wrap up our loan modification since 2007. We paid thousands of dollars on two different times and sent in modification papers at least 6 or seven times. They never recieved them we were told and told that we did not fill it out correctly. We could never speak to any one person and had to go over the same questions whenever we could speak to someone 30 to 40 min repeating the same answers that we had written ,and had to repeat the same thing over and over everytime we spoke counselors to no avail. When we got our statements it always told us that they could not give us a balance at this time. How about that? They even said that we had not made a payment since 2008! Who would allow someone to live in a house for 3 yrs and not get evicted? Please! We did everything possible to work with them to save the home we built. Our 1st note was $457 a month. We got refinancing with a fixed rate and I guess Litton bought it form them because after a year or so we recieved a letter from Litton stating that they were our mortgager and to make paments to them.Nothingele just a plain letter giving us info. on where to and how make paments. A few monts later our notes started to skyrocket. from $400, 600, 700, on up tp $1800. ARMS! How did that happen? We had a fixed rate and requested refinancing to get the fixed rate back. They told us that they had a remodification plan and for us to request one. Still hasn\’t recieved that it was finalized and got a notice that they were forclosing. We told them that it was theirs because we could no longer afford to deal with them and was tired of not being able to do anything else beside pay the mortage. Credit is bad, health not much better because of the stress. We moved told them the house is theirs 6 months ago. Last week we recieved a letter from them stating that Ocwen was our new mortager. We have had enough with these people and at a lost to what to do. Sue? Can\’t afford it now need to eat!
