Ditech

Do not borrow from Ditech. They have a money making scheme. They begin foreclosure proceedings early and often. Then for a thousand dollars or so you get out of the foreclosure. You owe more than you owed before the proceedings started.

After 1 week I called to see if he had received them. He said yes but he would have to run a new credit report since the last one was done in April. He ran one and said that the credit score had dropped below what they would accept. We have been thru 3 different agents while going through this useless process. If 1 of these agents had done their job competently this refi would have been completed months ago. I would never recommend DiTech for anything. We now have to contact a different company and start the refi process all over again. My boyfriend is disabled and the stress of this has and is causing him a lot of stress which makes his condition worse.

Ditech has another way of getting interest and late payments! This has been going on since August. Every month is the same story. I call, and they say I am behind in my payments. I requested to have them send the bill through the mail. Still nothing. They said they will have supervisor call back, but no one ever called. Bills are not posted on time, and I am being charged late charges. Still, it is showing February statement which was paid on date due. It is now April 24, and I had to call to get the amount due for March and April. I paid through my bank. Still not posted.

I attempted to refinance my loan in October 2009. Ditech sent the information for subordination of my loan to the incorrect bank that held my first and second mortgage thus, delaying the process. Since November 2009, I have heard nothing from Ditech. Emails and phone calls to my loan officer have gone unanswered as well as attempts to contact the supervisor. However, in January 2010, my bank account was charged $370 by Ditech. Again, attempts to find out what this was about have gone unanswered. I am currently working with my bank to refuse the charges but in all likelihood, will have to eat them.

To date, it has resulted in an actual expense of $370. Not to mention, an enormous amount of my time. I am force to start the refinance process over with another company and due to the increased interest rates, this will cost me in excess of $30,000 over the next 30 years. I am a social worker for a local government agency and due to the poor economic times, I will not see a pay increase for two more years. This has created a financial hardship on me when Ditech could have simply responded and let me know they were incapable of servicing the loan.

I have a 1st and a 2nd with Ditech, I was approved for a loan modification on my 1st mortgage and completed the 3 month trial period they require for my type of modification.On 12/2 I reeived a FedEx saying that if I signed and had this document notorized and a payment made by 12/4 the modification would be complete and my new pay would start 1/1/10. I completed everything that was required by the due date of 12/4/09. I have the receipts with dates. Around 12/15 I received a demand letter for payment. I called to find out why I would get this since I completed everything that was asked of me and the person I spoke with told me to disguard it because it take a few weeks for my paper work to be processed. I called back today 12/30 because my new payment and loan modification was to start on 1/1/10. They told me that it wasn't in effect yet but he would put a request to find out why? It got very ugly at that point. I'm still waiting to find out about the 2nd mortgage, they lost the paper work so I had to start all over again.NOTHING BUT PROBLEMS!

I missed one house payment and my papers say I have to miss 3 before foreclosure but they were going into bankruptcy and put me into foreclosure even my credit report shows I missed one house payment. then they sent the foreclosure statement to the association not to me and the shariffe sale notice to the association to the association to not to me all illiegal and the feds sold my home during redemtion illigal again and sold it again during eviction process illegal again.

i alone w/out an attorny over turned the eviction process. but did not have the money to fight the foreclosure process and the judge said he would over turn it if I was in the right court! Ditech 1 1/2 years later is still trying to collect money from me after they have sold the home 3 times to the feds they have sold it 2 times and now it is sold to a local!

it is causing major stress on me huge problems on my credit and head aches galor not to mention I can not get a job any place because of what they are currently doing they need to be taken to court! They have done this to 35000 othe documented cases! this has got to stop someplace! but I am out of work the last several employers I have worked for have all gone bankrupt!!! so I am out looking for work again!

We started a refi 9/3/2009. Everything was moving along fine with a closing sometime in 10/2009. Well my husband was laid off from GM, the reason we went with Ditech in the first place and 10/1/2009 we had to start over under me. Of course they already had all my information and credit so it was a matter of just using my income and getting approvals. Not too terribly difficult one would think.

Come the end of Oct and no closing date, I began emailing and contacting about the closing. The appraisal was done so what was the hold up? The response was Ditech was overwhelmed due to lack of staff, apparently they laid off and just can't handle the volume. Well one would think maybe laying off was not a smart idea and it should have waited til beginning of 2010. I expressed the reasons for needing to close in 2009. I needed the writeoff. Since my husband was laid off, I can't afford to withdraw the taxes prior to his check. I need all the cash I can get because our mortgage is 2k a month. Taxes make it so high. GM moved us here. GM abandoning us and leaving us where we never wanted to be in the first place.

Anyway, in order to survive I need as much unemployment cash as possible. This means after doing my prelim calculations for Fed return, I will have to pay 1386 to the Feds. Haven't paid them in my entire 44 years. Ever. Always got refunds the smallest $300 and the largest $8000. So I said if we close in 2009 I can writeoff the closings and it will be a wash when I do my taxes. And I told them I need that because I am going to end up having to pay PA taxes now with all of this and my school district tax went from 1% to 2.9%.

I always use my PA refund to pay the school district tax but with no closing this year I will have to pay Fed, State and school. They said oh, no problem. We will have you closed before the end of Nov. I was like great. Well it is now 12/23/2009 and I haven't closed. All through Nov they kept stating we are busy. We are busy. We are busy. Funny how they were also busy in Sep but because at the time my husband was GM employee they said our application and all was processed first. Funny how you are important if affiliated with the company and unimportant if you are just somebody else. Well we became unimportant when he was laid off.

So time has gone on and the whole we are busy routine has kept up. Well, finally last night an email from Tony. He says the problem is the appraiser did a 2005 form and not some 1004 or 1104. I am like what? The appraisal was done in Sep and you are just now discovering this? He sent me the .pdf and I found teh appraisers phone number and called directly. To my surpirse Ditech ordered the 2005.

So it was Ditech that screwed up. The appraiser and I had a nice little chat. They told her she needed to come out and do the internal but she said I can't. I am book solid for the next 2wks. So they put the appraisal on hold in the computer. I asked her why? She said because they have already paid me and need me to do it. If they get another appraiser they have to pay $300 again and they will be out that money. I said and? They screwed up not me and now they are punishing me for their mistake.

Believe me, I have contacted them and gone round and round. I even said I will call local appraisers and see if someone can come out and make the appointment and then tell you guys so you can set up payment. They said oh no you can't contact them. Ah really? Do we not live in America where I am free to contact who I choose? I have not come to the point where I hate Ditech and this is the first time doing business with them and will be the last. I emailed them and said it is obvious I am just a number to you and you don't care about fixing your mistake. So...since I will not be closing this year can [they] tell me why I should continue this process with [them]?

So since I am into 2010 with a close why not go with a company that is competent and I already have a history with and trust? The response is, you lose your $300 appraisal fee. I said and? Guess what Ditech, you lose all the time; energy and money that went in the entire process from 9/3/2009 until today. All the paperwork and phone calls and the employees involved on my account alone. The $300 goes to the appraiser and not [them]. So [they] made nothing off 3 months of working to refi my house. A big fat nothing. [They] make profit from portions of the closing fee's and maintaining my loan. But if I don't refi with [them], [they] get a big fat zero. See how that works?

So now they see the picture I painted and said a manager is looking into it. Yeah right. I am sure I was just told that to buy them some time and in the end we will close in 2010 and I will not be able to pay my taxes and whatever. At this point I hate Ditech and I hate the state of PA and I hate GM and I hate our Fed Govt. They all could careless about anyone and it is all about them and their money and the rest of us out here in the real working world can just rot.

I am going to be out 1386 to pay fed tax and state will be 290 and then school district will be 2.9% of my gross. All because Ditech screwed up. They ordered the wrong appraisal. Don't ever do business with them. I am sending my story to all news blogs and organizations I can possibly find to alert America not to ever do business with Ditech.

Just filled out an on-line application with Ditech to refinance my home. Their TV advertisments quote a 4.3-4.5% interest rate. I have good credit, no late payments. received a phone call from Thomas to go over my options---options were completely unreasonable and rediclous! It would have cost me over $5000k after buying points and fees. And the low interest rate they advertised----that was a complete lie. On top of that, Thomas was incredibly rude and degrating! Save yourself time, don't do business with Ditech!! EVER!

I applied for a mortgage with Ditech in the summer of 2007. I received an application and filled out forms, and made the mistake of giving my Bank of America credit card number to David Thai. I decided to refinance with Bank of America and canceled my application, and Ditech charged $500 to my BoA credit card. Subsequent calls to Ditech yielded no results. I left messages that were never returned.

My exhusband and I own a home in Naples, Florida. He was awarded the house in the final decree; stopped making payments. I found out when I attempted to get a credit card from my credit union and learned I was denied due to a poor credit rating. When I called Ditech,they reviewed info with me- they had my address and phone #'s, but stated they do not have to inform me of any breaches or foreclosure activity. By contract they are only obligated to inform the main mortgage holder.

When I verbalized that I would be held financially liable if my exhusband defaults, I was told by "Pablo" that is correct. When I asked if I could request to have documentation of such actions, he informed me that I could call "once a month" and request info. I then asked that the October 21st breach of contract letter be sent to me as well as my ex, "Pablo" told me that I had to call back after 10/21 and request the letter. I responded that I go to court on 10/23 for charges of contempt against my exhusband and that I am calling in October. Pablo said I still had to call back after 10/21.

I cannot refinance my house or my car.

told that our modification was canceled and that we owe a full month's mortgage payment, despite the fact that we have never been late on a payment and have already paid the October 1st payment based on the modification amount. Below is a detailed description of what has happened and hope that someone can help us deal with DITECH, since they have been unresponsive and uncooperative in resolving the situation they created due to their apparent incompetence and disorganization.

In early 2008 my husband and I refinanced from another mortgage company to DITECH, and we have always been on-time with full payments each month. At the beginning of this year, my husband and I both had our hours cut back due to the economy, and this spring we contacted DITECH to see about refinancing to a lower interest rate. We were told about the loan modification program, and encouraged to apply for the program. We filled out all of the paperwork, collected the necessary documents, and both faxed and mailed our completed document package to DITECH. When I called a month later to check the status of our application, they told me that they were missing two

documents and had me refax and mail those items.

I was told again a month
later that they did not receive an entire packet of information, and that I
couldn't start the modification process until they had those documents. I sent the documents they requested again, and we were finally told that we could start the loan modification trial period. We received the information
about where to send the payments and how much to send, and were told that
they would be stopping our automatic payments and that we should not send

any extra payments during this time.

After we made the first trial payment in June, we checked our bank account
statement online and saw that an automatic payment was drafted from our
account a few days after our first trial payment was cashed. We called the
same day that the auto payment was drafted, talked to a DITECH
representative who told us that she could refund only the amount of our
trial period amount, but not the difference between the trial and the normal monthly payment. After asking to speak with a supervisor and being told there was none available, and spending much time on the phone trying to get her to send the excess, she told us that this shouldn't affect our trial and that we had to cancel our automatic payment ourselves through their website
because they did not have the ability to cancel it on their end.

We immediately went to their site and canceled the automatic payment, even though we had been previously told that they were going to stop our automatic payments for the duration of the 4-month loan modification trial period.

We did our due diligence throughout the duration of the trial, contacting
DITECH regularly to make sure all of our affairs were in order and that our
payments had been received on-time and for the correct amount. The last call we made to DITECH during the trial was on September 16th, at which time we were told that everything was on-track for a successful completion of the

trial period and that we just needed to make our final payment by October 1st, after which point we would receive the completion documents to continue to the next step in the process.

On September 22nd, we received a call from DITECH during which the caller
told us that she was calling to collect a debt. After much discussion with
her, she finally came to understand that we had been going through a loan
modification, but that it had been canceled on September 17th. She said it
was because we paid too much and too early. After more discussion, it seems

that the automatic payment that happened at the beginning was the catalyst for ending our modification trial, but that there was nothing she could do. She told us that a supervisor would call us in 24-48 hours, but we never received a call.

On September 24th at 5:30pm, I called DITECH to find out what was going on,
and spoke with several customer care representatives and was transferred
around for several hours. We were given several reasons why our trial was
ended, including 1) Our account remained current during the trial, 2) We
paid too much and too early, 3) We made our trial payments too early. None of the representatives told us that we missed any payments, and the documents we signed at the beginning say explicitly that we are to make our

payments "on or before" the date due. The representatives I spoke with indicated that we had to make our payments exactly on the 1st.

I was finally told that the only option I have is to re-apply for the loan
modification or apply for a refinance. He said that he agreed that the automatic payment that went through was a catalyst for stopping the trial, and apologized for the hassle but that he could not reactivate the trial. He then went on to add that they were missing documents, the very same

documents that I sent to them more than twice via fax and mail, the documents I was told they needed in order to start the trial period. I was also told that my account was current, and that I just needed to resume our original monthly payment amount and schedule. I asked him how much I had to pay on our next payment, and he said he could not tell me because it was after 9:00pm his time and his computer was shut down.

I called DITECH on September 25th to verify how much we owed, expecting to
need to pay the difference between the monthly loan modification trial payment and our original monthly payment amount, as we had just paid the October 1st payment for the final trial payment. I was instead told that we

had missed a payment during the trial and that we owed a full month's payment due by October 1st. After going through all of our payments with her, she confirmed that we made all of the necessary payments and that she would forward this issue to her supervisor, "Val", and that Val would call us within 3-5 business days. I asked for and could not get a last name for Val, a direct contact number or method to contact her directly. I am not hopeful that I will get any resolution.

I went to Ditech to apply for a loan and was pre-approved in September. Come October I found a HUD home that had been foreclosed on and was for sale AS-IS (meaning you are buying the property in the condition that it sits...no repairs or alterations will be done, period.) I placed & won the bid to purchase this home and that's when it all began. Upon the appraisal by Ditech, I was told that my loan could not be finalized until multiple repairs were made to the home such as...the replacement of light fixtures and air vents that were missing during the appraisal inspection.

Bottom line - DITECH gave me the run-around for several months and finally I ditched them the following January. Fifth Thrid bank earned my business and my trust with no issues at all. I'm sitting in the house now typing this story...needless to say DITECH BLOWS!

I previously applied for a mortgage with DiTech in 2006 and had no issues. I applied again with them in 2009. They assured me that they could close on my property within 30 days assuming I supplied them with all the necessary documentation. It has now been almost 45 days and we still have yet to close. They continuously ask me for the same documents that were already sent to them weeks ago (apparently they can't locate them). They scheduled an appraisal on my property which for some reason, did not get completed, and were not aware that their appraiser didn't complete it until I called 8 days later to check on the report. They then order it again and tell me it will be expedited (24 hours). 4 Four days later and it finally gets back to them. Today they call again and tell me they are "missing" documents and need me to resend to them which I do immediately. I rented my home out assuming that DiTech could close on the property within the 30 days. My tenant moved in after 42 days and I am now stuck living in a hotel waiting for these people to close on the property. When you call, you can never get an answer. The file is always being reviewed by someone.

Ditech froze my home equity credit line, despite the fact that I had consistently paid $800 a month when the minimum payment was only $329. After the freeze, I reduced my monthly payment to $500, still over $150 more than the minimum required payment.

They said that my material circumstances had changed, and that I needed to verify my income. This was clearly bogus, as I am and have been a university professor for six years and make 10% more than I did when I originally got the loan. I have no credit cards, and the only other credit accounts I have are student loans and an account with CareCredit for some dental work.

I verified my income. After which, they changed the reason for freezing my credit line, saying now that my FICO score had dropped. Admittedly, my FICO score may have dropped because of some student loan issues. But as I mentioned, I never ever missed a payment with Ditech, and always paid substantially more than the minimum payment. Besides, the circumstances show that it wasn't about my credit score or payment history or income. They are in financial jeopardy and don't have the money.

Thus, they lied, as my income was never the issue. They made it up as an excuse to freeze the account. If it was about the credit score, which they already had since they used it to freeze my account, then why did they ask me to verify my income? So they sent me on a wild goose chase for nothing.

The bottom line is, they don't have the money, and are in breach of their contract with me. There agents have also made several material misrepresentations, during the period I secured the loan and during this servicing process.

This is obviously a pattern and ripe for a class action suit.

I have been with Ditech for about 11 years.Never been late.In July 08 I had left knee replacement surgery.I was off from work from July 08 until Jan 09.I did received disability of $1660 a month.My mortgage is $1479 a month.In Jan 09 I went back to work for 1 month and was told I need to go back on disability because I"m not able to sit in front of the customer.The company said it doesn't look professional.

I apply to Ditech for a loan modification in Feb 09.They claimed I nEVER call them back.In March 09 I apply again for a loan mod.Paper were mailed to me and I did what they told me.Fill out the hardship letter,financial papers,proof of disability payments that I would receive.Ditech verify that they receive all the information needed for my loan mod and says it would take approx 45 to 60 days.I called them in April because I receive another packet of loan mod papers.I call Ditech to ask them why did I receive another packet.The gentleman said to disregard the packet.I waited until May and called Ditech to find out the status of the loan.I was told previously it would be around May 18,09.

I called on May 20 and the lady kept me on hold for 35 minutes.Finally she said that usually she wouldn't transfer me to the loan mitigation dept but under the circumstance I needed to talk to them.The gentleman told me that the loan mod papers that I send in was not the ones approved by Obama and that they sent me the right one.I told Ditech that I called when I received the second set of paperwork and was told to disregard the paperwork.

Then the jerk told me I would have to start all over again.I ask them when I call to find out about the status of the paperwork why no one told me about the wrong paperwork.NO ANSWER.THAT WAS ON MAY 22,09.AS OF THIS DAY JUNE 9,09 NO PAPERWORK HAVE BEEN MAILED TO ME.

In November 2008, my husbands company had informed the employees that due to a merger of their company that there were going to be lay offs. We contacted both of our mortgage companies right away to let them know what was going on. Our 1st mortgage was wonderful, willing to work with us and try and help as much as they could. Ditech when contacted was rude and unwilling to accept any information.

We ended up listing our home with a realitor to try and sell the home, but because the value of the home had dropped we had to offer a short sell option. Ditech again would not work with our realitors offers that were submitted. They kept asking for more and more money to settle the debt. Even though they were in 2nd position they would not take ANY offers making it VERY difficult to sell the house.

My husband and I ended up having to move out of our home and relocate due to the lay off and have secured jobs again. However we are STILL trying to sell out home and are now running out of time. We are 3 days before the sell date for Foreclosure and still they will not accept any offers that have been made. They keep asking for so much money that there is no way that a buyer can pay for it. You would think they would be willing to take something rather than nothing if it goes to foreclosure. It is not that the offers are bad, but they will not even budge on what they will accept. They want all or NOTHING!

They are forcing us to end up filing bankruptcy to even have a chance of a normal life again. There is no way that we can even salvage any type of agreement with them. NEVER again will I EVER finance ANYTHING with this company!

I applied for morgage modification, which i was told when appling if i didn't like it i didn't have to change. well they decided the best plan for me was to hold an escrow acct. this is not what i wanted, i called and said i didn't want the modification, long story short they did it anyway, i went from 913.46 a month the 1359.08 which would be impossible for me. So i now begin the process of undoing what they did, only to find out that they paid my home owners which i pay bi yearly, and they paid in full so now i have to pay ditech back 824.00 in order to go back to the original 913.46 for june or else pay the 1359.08 and I have to do it in 5 days for a work order. how can they change something that i have not sign a new contract for. the woman carmella (sup ) said we can because we hold the lien.

I agreed to a mortgage with Ditech back in late 2005. During the closing process I directed them by e-mail to escrow money for local propety taxes. They did not do this and thus my taxes were underfunded. Now they have decided on their own to pay the taxes and have increased my payment well beyond what is needed to do this. I contact the children at the call center to complain - sometimes as many as 6 different little girls and INVARIABLY they all tell me a different story including flat out lies. I make sure each conversation is taped and I take detailed notes.

March 24, 2009: I started the process for a refinance to pay off credit cards over 2 months ago, the people involved do not call back, even the supervisior doesn't call back and they do not return emails. The only word that I have heard it that It is at the Underwriter's, but no date. Meanwhile I have had 2 appraisals and Ditech's deal is that if you stop the process you pay for the appraisals which is arond $500.00 I am to the point where I think I have to lose thew $500 and go to another company.

My car lease is up and due to high credit card debt which I was going to pay off with a new mortgage, I cannot get a car loan. I have income and money in a retirement account and equity in my home - but still I am in this position due to Ditech. I am now thinking that they never intended to give me a mortgage and simply collect the appraiser's fee of $500.00

I am unable to obtain a lease car or a loan to buy a car. My payments are so high, I hardly have enough to eat - medical service is out entirely, no money for doctors or medicine - I am 67 years old.

My home equity credit line of $200,000 (which I had not yet used and had paid the annual fee for since 2006) was completely frozen. Ditech sent me a letter saying it was due to generally declining home values in my area and had nothing to do with anything wrong that I had done. They then required that I pay for an appraisal AT MY EXPENSE by one of 2 companies that they required do the appraisal. The cost for this appraisal is approx $500.

I refused to pay for this but wanted the credit line reopened, and sent a letter to DiTech offering for them to pay for the appraisal, but of course they refused. After all, what is to keep them from requesting another appraisal at my cost in 6 more months? Or 6 weeks? I never agreed to this in my loan documentation! DiTech has illegally frozen my line of credit and they have no legitimate source to claim that my home has declined in value by enough $ to completely freeze my heloc.

I am unable to take advantage of business opportunities in this economy. My plan was to use this home equity line to purchase foreclosure or other distressed properties, or to improve a rental property I currently own. I am unable to do so as a reult of DiTech's illegal freezing of my credit line.

On 12-30-08 @3.25pm I contacted ditech to see if I could reduce my interest rate to what I had just seen on one of their tv add 5.12% a rep for ditech named Marchelo said that the only way was to refi my home and combine their loan together. I told him that the home loan would be paid in off in 12 years. Why would I want to get into a bigger mess and refi to a higher loan rate? I just whanted to get their advertisement rate, 1 hour later I was so frustrated and got no response.

I'v tried to pay off my acct for 2 months, everytime I call to get, the payoff amount they let me know it the total was 35,732.75 I sent a chec for that amount. Next letter said you owe us $238.30 so I sent the $238.30 next letter said you still owe $11.58. I called to find out why I still owe 11.58 I got nowhere and no supervisor to speak to. I left a message with a rep and still no one has called. just wanted to let you know that [they] have lousy service and I never want to do business with company ever. and I will let family and friends do the same.

frustration to the max. wasted time without any actual satisfaction of any kind with my account. two of the most miserable hours talking to people that dont even know English. I bet they are hired out of the USA cause they need to take all of our jobs from the American people. have incompetant people working there.

just received mass mailed letter from ditech informing me they have frozen my $100,000 credit line to protect me! i have 80,000 equity still in my home. i now have to requalify and pay for an apraisal for them to see if they will unfreeze my line of credit.i never had a late payment with them or any of my creditors. my fico was 830 until these ass holes froze my credit line. this same company just went begging to washington for a 5 billion loan.i will now do a refinance just to get rid of this company. it will cost me thousands of dollars but i rid my self of a company that from the time i got my loan 2 years ago has been nothing but incompetent. the american consumer is getting a royal screwing from banks,credit card companies,wall street,and washington.i warn you do not use ditech!

I used a second mortage from Ditech to consolidate some debt and pay off a no interest credit card that was about to end that offer. It was all done over the phone.

When I went to meet the lawyer and sign the paperwork a point and a half purchase was added to the loan that was never mentioned during the application process. Having deadlines to meet I went ahead, signed the paperwork thinking that it may have been an honest mistake and that the company would make good and assign a new loan.

I will pay this off and never have anything to do with GMAC ever again.

I contacted Ditech.com and explained what happened. The consultant agreed to waive the returned item fee from my Ditech account, but advised that I would need to submit a request in writing to their customer service center with back-up from the bank. I sent the letter on November 7, 2008 with detail, explaining the situation. I received a check for the bank charges of $68.00 on 11/26/08.

This happened once again when I made my December 2008 payment via the phone system. When I received the first bank notification, I immediately transferred money to the checking account, but by that time, the second attempt had already been tried. So, for a once again, I was charged two bank fees, and a returned item fee from Ditech.com. I wrote another letter, including all prior documentation for reference and mailed this to the Ditech.com Customer Service Center on January 3, 2009. I received a letter on January 23, 2008 stating that each attempted payment was valid and that Ditech.com was not at fault for any of these transactions. I was advised that they would not refund any bank fees, nor the returned item fee on my Ditech.com account. Apparently, the first check and credit to my account was done as a one time courtesy, but not because Ditech.com made any errors.

I called Ditech.com on January 23, and was referred to a supervisor by the name of Cesar. While he was friendly enough initially, it was clear that no matter what I said would make any difference. The letter stated it all, and there would be no refund of any fees. He stated that upon review, there were documented confirmation #'s for each call, which were done at separate times, but both on the same day as my authorized payment. I told him that I was the only person who was making payments on this account, and that if he looked at my payment history, he would see that prior to October '08, there was never a month in which two payments were made. He said that if I knew for sure that I was the only one making these payments, then the issue is far more serious and that I might want to consult a lawyer because it appeared that someone was making payments, using my personal information, including my bank account information to make payments on my behalf. That is ludicrous. At that point, it was obvious that he was being condescending.

I asked Cesar to provide a list of the numbers from their Caller ID platform that would show where these two extra payment calls originated from, but he said all the research was done, and he wouldn't be able to provide detail like that. That makes it very convenient - because Ditech.com said so, but won't provide further detail, it must be correct, and I have to be the one at fault. I advised that this was not an error on my part.

While it would be a $95.00 loss to me, and would sting a bit, if I felt that this was an error or caused by me in any way, I wouldn't waste my time copying documents, writing letters, and sitting on the phone numerous times. I would just suck it up and move on. But this is not right. I have recorded only one confirmation number for both months payments, and there is no one in my family or group of friends who would be making payments for me. According to Ditech.com, both of the second payments were made within 9 minutes on the first, and 3 hours on the most recent payment, which makes no sense if someone else is calling these in because I carry my check book and the statement with me those days I call the payment in from work. There isn't anyone else who even has access to them. I believe there must be some sort of delay or hiccup that caused these payments to be re-entered in Ditech.com's payment system. One thing that I am certain of, is that this is not an issue that was caused by me.

At this point, I don't know what options I have. They have advised that if I have one more returned item, I will have to pay with a certified check for the remainder of the loan. I have now switched to online payments, which I was hesitant to up until now. I found that sending payments in via snail mail took too many days to post at their lockbox, and left me with concerns that these were not posting in a timely manner.

I have lost a lot of faith in Ditech.com since this issue first began.

On 9-27-2007 we took a mortgage with ditechgmac.The amount of that loan was for $58,665.00 dollars with the interest rate set at 8.875% wit the payments to start on december 1st 2007.There would be 359 payments of $466.77 and one payment of $458.16 to pay off the loan .My loan papers was set up with a fixed percentage rate and NO ESCROW account to be on the loan .Our reason for no escrow account was because the taxes and insurance would not be very much per year and it would have made our payment more than what we wanted.My husband and I both signed a waver that we did not want escrow.Getting that information out of the way I will tell you what has happen with gmac .

I had made all my payment as a deibt out of my saving account and had no problems intell september 2008.Thats when my payment amount went from $466.77 to $1,530.69 I called gmac customer care line and was on hold for 30 to 40 min at a time if someone answer then they would not understand you are couldn't help you are just could care less if they did or not.This went on for about 4 days when I talked With Someone and after I was transfered to differ departments many times I was told that i had to make That $1,530.69 in full because me account with them had been placed in a escrow account and they didn't have to tell me why ,my comment to them was I don't hav that kind of account that when there rep got very rude and told me i would make payment or lose house.

After calling again and again over the next few days I finely got to talk with a person who could somewhat understand me and seemed like they wanted to help intell i told them what was going on that they had placed my loan in a escrow that I din't sign for and they really got rude and told me well its been placed there and theres not much you can do but mack the payment it set for .Over the next week or so I contacted gmac almost everyday staing on hold for very long periods of time after about five weeks and my next bill for oct which was $466.77 payment and escrow of $543.32 I called once more I was told that there was a mix up between the court house and gmac that my taxes was paid by gmac the court house got a letter form gmac that my account was in escrow so they never contacted me .

When I paid my personal propertytaxes I asked if any thing eles was owed and the court house told me no I thought that they boty were together. I talked With gmac and explained the mix up and I would pay them for what they sent the courthouse could iI get out of this escrow account the had set up there repile was yes make my next payment of $ 466.77 plus $407.00 and they would drop the escrow account . I did this and the next month was the same I called time after time no answer or just busy .Afraid of losing my house I have made these payment in the amounts of$1,025.00 .

Then In DEcember I get a letter that have sold the loan to nationstar and I hoping they can do something to help because I don"t make the kind ofmoney it takes to make them payment .I had to drop medical Insurance on my family and my husband is very slow at work I'm only making around 850.00 amonth to bring home .The hole thing I don't understand is how they can break youcontract tell you one thing and do another .I not fighting the escrow account if it has to be but my taxes are only $333.33 for this year and I already paid them and my insuransr is only $596.00 and I pay it so the amount they had come up with is way over that amount for the year and if you add it up I've alredy with paying four month of $543.32 in escrow it just don't add up .If oyu can help with this please do .

This is in response to all the Ditech complaints. First I have seen many state things about GM. GM doesn't own Ditech. GMAC owns Ditech and GM sold GMAC a few years ago. GMAC is owned by Cerberus the same co. that owns Chrysler and Air Canada and SpyGlass entertainment. They are an investment co. You can see their website and what they own by going to cerberuscapital.com I hear complaints time and time again about how could GM do this and they are corrupt. Blah Blah but GM doesn't own GMAC or Ditech. So please complain to the correct co. and about the correct co.

The 2nd issue is Ditech and GMAC do suck. We have had nothing but issue after issue with GMAC and I refuse to do that direct take out of my account cuz of others horror stories. So we are in the process of refi with Quicken. We had a refi with them in 2004 and they treated us great and everything went perfect. The only downside with Quicken is the int is a little higher than Ditech but if you tell them what Ditech will offer then Quicken will match it.

No last names were provided and phone calls have not been returned. My home sustained extensive damage due to a car driving through my house. The kitchen waS DESTROYED. Ditech has had the entire amount. %32,000, of the claim for a month. They were supposed to mail an installment of 10,000 which has not been received.

Due to their delay I have been living in my home with no kitchen. It is now getting cold and my front wall is currently plywood and plastic because they have held onto my insurance money. This is causing my home life to be difficult and uncomfortable and is also causing emotional distress.

I was set up for a 30yr fixed loan at 632.00 a month and 744.00 with and escrow acct for taxes and insurance. after a year of paying 744.00 a month I am sent a new statment now for 1,000 dollars a month. I called ditech tax department and we went round and round before the young lady tells me that it was thier fault but I sign up with them and there is nothing they can do about it.

I live off of a disability check. and I just can't aford to nimble my fiances by three hundred dollar and driven out of my home like so many people.

A few days ago I decided to call Ditech about getting a mortgage, the person I was talking with started asking starnge questions like how much are the houses worth in my neighborhood (how would I know) also I wanted to borrow over the amount of the mortage to do some house repairs such as a new roof,

this is where it started getting stranger, after telling the guy I needed a new roof he wanted to know if it was leaking and if so what color was the water stains on the ceiling, when I told him I didnt know and didnt have time to go inspect the colors of the stains he told me that he is going to cancel my application because they dont do mortages on homes with leaks. Now, I never ever been treated like this before and asked such stupid questions. As far as im concerned Ditech is such a fly by night rip off.

I had a floating rate on a 30-year fixed loan for 45 days. I wanted to wait for the best possible loan rate before I closed my refi home loan. I was told that Ditech would call me when the rate was below 5%. Fortunately I was also checking quite regularly and found a 4.875% rate on a given day. I called Ditech because I knew they weren't going to call me. I locked the rate via telephone but was told several days later that I had actually got a 5.125% loan (not APR). I complained but was told that there was nothing that could be done. I called the district manager's cell phone while he was on the golf course and complained. Long story short, I got the rate that I asked for but I had to complain about it as well as research it for myself. If I absolutely can avoid it, I wouldn't do business with them again. I eventually sold the house.

An existing ditech customer with an excellant payment and credit history. I built my custom dream home in 2007 using a construction loan from IndyMac Bank. at the end of the construction process, the construction loan converts to a permanent mortgage at no charge. I was solicted a lower interest rate by Alex of ditech on 12/12/07 and on 1/16/08. I thought at the time that this was worth looking into. I made it clear to him that if he wanted to close a deal that it needed to move quickly because I would have to pay interest on a construction loan that I did not convert to a permanent mortgage with my existing lender. He politely told me that being an existing customer, it would not take three weeks and so I began the paper work on 1/30/08.

The next two months were spent reapplying for the same loan for some odd reason, always a different one. I made it very clear to my lending agent that time was up on construction loan and that I needed to move on or close a deal, He assured me that everything was ok and would close the following week. I was then notified by Scott of ditech on 3/21/08, he proceeded to tell me that in order to close the loan I had to sell my existing home that was carried by ditech. I then contacted Alex to remind him of the accruing interest on the IndyMac loan, he stated that the interest that had been accruing could be added to the mortgage. I sold the existing property which was lakefront and generating rental income.

I was then contacted by my loan agent Alex on 4/17/08 at 7:00 p.m. to tell me that they would loan on the property. I am in need of an attorney not because this process almost cost me my marriage but it did cost me $6,618 in interest on the construction loan and my Lakefront property. Every time i see that Ditech sleep easy loan with up front answers, It makes my blood boil.

Blindsided by a lender that chose to walk out on a deal that they solicited. Overnight out of pocket expenses $6,618. I almost lost my dream home that I had only been in for several months and sold income generating property.

In or about Dec 3, 2008 I applied for a loan (refinance) with ditech at ditech.com. on dec 7 or 8 2007 i was told that my loan was aproved and that we will be doing the closing after the appraisal . the FIRST apprisal took plae and I was told to make some re-pairs to the house and schedule a second appraisal, I did, the I was told in January 2008 (first week) that there was still some minor items that needed to be changed. I did the changes and a third appraisal was done.

So from the las week in January 2008. to the secon week in march I was told almost on a weekly or twice a week that the closing will be NEXT TUESDAY but it never happened on March 11 I was told (after the 90 days locking term has expired) that I did not qualify for the refinence loan. After they ask me to send them my tax retur for the las 2 years in 3 diferrent ocations. Well I spend all my savings doing those small repairs ($3500 - $4000) and now It cashing up with me. I will be falling behing on my mortgage starting this moths because now we have an overwelming credit card bill and zero savings. The house it not up for foreclosure but It will be a matter of time now.

I have not been able to keep up with Credit card payment now I owe about $19,000 and grows at a rate of 375.00 a month.

I paid my mortgage online one time and since then I do not get paper statements in the mail. Instead I have to go online to get a statement or to pay my bill. I used to do this during the week but for the past couple of monthes I have had to do it on the weekend. This is now the 3rd month in a row that the Ditech website has been down and unavailable on the FIRST WEEKEND of the month. To me this is totally rediculous.

The beginning of the month is when most mortgages are due and to not be able to pay the mortgage because the website is down then having to remember to pay it during the week is a hassle. I wonder if they are just hoping that some people end up forgetting and they can charge a late fee. Also, if you go to their website to pay by phone they will charge you an additional $7-$15 dollars for that service. I bet they are making some good profits on this [bad] business practice.

I have read with interest the persons having problems with Ditech/GMAC. I want to report that we are VERY happy with the service we have received from them.

When I applied to refinance my loan through GMAC via DiTech, I was told in order to keep the interest rate offered I would have to put $500.00 on a credit to hold it. I did that and was told that it would be refunded to me at the closing of ther loan. I was told initially that my loan was denied, however, when I explained to them that I was not going to pay for a credit card account for approximately $11,000.00 because it was not mine the agreed to approve the loan.

When I received the documents It appeared that I did not get the $500.00 returned to me and they said they calculated within in the loan. Well, they lied and I never got my $500.00. I wrote several letters yet they still insisted that they returned the $500.00.

I was ripped off for $500.00.

I have now been a customer of ditech since December of 2003. I continually have to call them to get late fees removed from my account. I have an auto pay account. They are authorized to take money from my account on the 20th of every month. If their computer does not take the money on time they try to charge me a late fee. I am getting sick and tired of having to call them to get my money back. What can I do? I have talked to supervisors who promise it will not happen again many times. Please someone needs to address all the problems they are causing.

I contact Ditech to request a loan using my rental, after speaking with Teresa Sala and submitting documents as she requested via FedEx and faxed. It has been a run around with all the employees; no one seems to have an answer as to what is going on with the loan. When I call I'm always told I DON'T KNOW; I informed the representatives it is their job to find out then. Until I contacted Teresa and Kimberly, I was unaware that more docs were needed. An appraisal was just done and returned for correction. When asked what is the correction, Kimberly did not know. Their left hand does not know what the right hand is doing!

This is one big hassle now, and I am also informing the BBB. For being in customer service, this is the worst service I have ever seen. I am also in customer service and shocked how they seem to not care. I've had several hours of frustration trying to get a straight answer from someone; I left a message with the manager to call back.

We refinanced with Ditech in March of last year changing from a 30 to a 20 year mortgage. Forget the simple fee thing-that never happened, it cost us thousands. Now granted we bought down our points but it still cost us thousands and we had excellent credit. Then Renee in California who handled the closing played around with the closing date over and over, stating we had plenty of time to get the needed documents, yet she started the DAY before closing wanting other documents which I faxed her. Finally she emails me and tells me I need to send some paper with only 3 minutes to the deadline and she would literally run to the next floor with it. Forget about the weeks of nothing. Anyway, guess she can't run to well cause she missed the day's deadline and then informs us, Sorry but you'll have to cough up ANOTHER $200 in interest because SHE Missed THE whole CLOSING date. I was furious.

Then later we joined BI-SAVER which was great until in late August Ditech changed and uses their own so called Bi-Saver company which is actually a company called Accelerated Equity, who they never signed us up with. So instead of withdrawing BI monthly they withdrew bi-weekly, a difference you actually made about 2 extra payments per year instead of one. BUT they didn't notify us. I tried to change their withdrawal date and they said I'd have to call Bi SAver who informed me they hadn't had our account for months. I asked when the withdrawals would take place. Everytime I was given a wrong date. Finally in DEC I asked to speak to a supervisor who verified when the payment would come out of our checking account they told us 2 dates. I said I want to verify it with Another supervisor and they did, supposedly ALL taped. I spoke To Lou who was just one of probably 15 people I spoke to.

So I pay my other bills on the off weeks and guess what, Ditech hits our account 2 times in Dec on totaly the wrong dates! On top of it, I canceled a payment and made it by phone in Nov. I'm trying to get it straightened out and my bank appears to have sent back 2 intead of one. Then there's money on the priciple they don't know where it came from and they won't check with Bisaver.

We went from 10 years of NEVER MISSING a payment Or NEVER paying anything late to being a month behind from all the hundreds of fees we got hit with. Ditech REFUSES to reimburse us or acknowledge they ripped us off major! I am so confused and stressed I don't really know what to do or where to turn.

Our credit report will get hit, we've lost money, we will lose money in future trying to make up the difference, which will probably be our income tax return. They were wrong, didn't return phone calls even said They didn't Have ACCESS to their OWN RESEARCH DEPT. Our bank was great, my bank manager withdrew her Bi Saver program when she saw the mess they made of ours!

We refinanced our home. The closing documents stated the funds would be wired to our account, and specified the date. Our first monthly payment is due a month later. Instead of wiring the money, they gave us a check. Elane at GMAC said their wiring system was broke, so they would send a certified check. It was a regular check, not cashiers, or certified. Wells Fargo bank put it on 7 business days hold. They don't count the first or last day, so it is really a 9 business days for a total of 11 days hold. During this time, our loan charged us about $500 dollars on money we didn't have. Wells Fargo said they could waive the hold fee if the check cleared. It did not clear.

We have been charged $500 dollars in interest on money that was not yet loaned to us. We intended to use that money to purchase some land, and now the sellers are impatient with us, because we have to keep pushing back the closing date.

I have a 2005 Dodge Grand Caravan with power sliding doors. This morning, I used the button on my key fob to open the driver's side sliding door. I was in a hurry, and reached in to grab my purse from the back seat when the door was open about a foot. Next thing I knew, the door was coming back on my forearm, and the door was trying it's hardest to shut with my arm still inside! If the door hits an object, it is supposed to stop and slide back open, but sometimes it takes a bit of force to do so.

Well... so my arm is stuck, with the motor on the sliding door making loud noises trying to shut, horrible, horrible pain, I'm pushing with all my might, can't get my arm out from this crazy door. Finally, I manage to wrench my arm out, and the door shuts like nothing happened... I stare at the van, hardly believing what just happened. I have 2 small children, 2 and 5, unable to imagine what would have happened had this been one of their arms instead of mine. I'm sure it would have snapped the bones quickly, and there is no way they would have been able to pull their arm back out. What if it had been their head or neck!?!?

I now have skinny 3 inch bruises on each side of my forearm where it was stuck, and scratches higher up on my arm towards my wrist from where I pulled it out and the door scratched me.

Right after it happened I had huge indentations on my forearm from where I was pinned in the van. What a horrible idea this was on the manufacturers part to make this type of power sliding door! Are they going to wait until a child dies until they fix this problem! You can bet as soon as I get home, these power doors will be disabled for sure. And the passengers side door stops about 6 inches from closing, but will close manually.

1998 Durango power seat broke loose in rush hour traffic. Seat landed on my toddlers knees that was seated directly behind my drivers seat. Chrysler would do nothing! Young idiots on their phoneline. Do they subcontract their customer service. This was very serious and dangerous and they didn't care at all. I have always owned a Dodge and have purchased 3 new Dodge products over the past few years but never, ever again! Ford or Chevy for me from now on. Dodge has went down the tubes! Their customer service is ignorant and extremely unknowledgeable. I wouldn't suggest anyone purchase a vehicle where the seat just snaps/breaks off of the tract and they will do nothing to send out a notice to unsuspecting owners.

I am just sick of your caveman ads-they are inane and boring-no new ones?

I bought my 1999 Durango new. I've kept up with all the proper maintanence with this vehicle. Once things started going wrong they haven't stopped. We've had tranny problems, radiator problems, and the popular steering problems that we all seem to have with this vehicle. The cost of fixing these problems is expensive to say the least, especially if you go through a dealership for the repairs.

I have been waiting for several months after applying and sending in documentation to only find I have to start over since the mortgage processor has left.

I contacted Ditech in April of this year to refinance my home. After receiving Ditech's offer I decided to refinance with my existing mortgage company. I discovered today though that Ditech has charged $500.00 to my credit card. I do remember being told by the loan agent that I would have to pay for the property appraisal up front but if I decided not to proceed with the loan nothing would be charged to my card. Ditech did not do a property appraisal. I did not get that far in the loan process.

My wife and I have an ARM loan and want to refinance on Fixed Loan.

We decided Ditech had the best rate & returned a call to Tommy. Everything seemed fine waiting for paperwork to review and Tommy called my wife and verbally recapped financial figures with her (I was out of town) and that he needed $500.00 on a credit card.

However, when we received the paperwork the figures were different than what he verbally told my wife. Right then I made the decision not to go through with the loan from Ditech and I called the assigned loan processor. I told her of my decision and why and she then told me I would have to forfeit my $500.

At the closing of the Mortgage ditech.com collect enough money to pay my 2006 Summer taxes, they so far have not paid the Summer taxes but they have paid the 2006 Winter taxes. There is plenty of money to pay the Summer tax. Now I am being called and receiving mail requesting that this tax be paid, I do not have enough in my savings to pay the amount. I have called 3 times and cannot get a straight answer, I have faxed the tax information 3 times and have even sent it via USPS. The second time they stated they received the corrospondence and would be putting a work order in to pay the tax. After receiving a phone call from the township that it has not been paid, I called the 3rd time, they wanted me to send the tax information again, they refused to let me talk to someone from the tax department or to a supervisor nor have they returned any of my requests to have a supervisor return my calls.

I am getting mail and phone calls to pay this past due bill. It is a constant nagging feeling that is bugging me that this bill has not been paid, as I attempt to keep my bills paid up to date. I have not been sleeping well and it is constantly on my mind and it is affecting my work. I am the sole provider of my family.

We have had a remodel loan for about 9 months. We tried for several months to make a payment online, but the website is never available (from the 4th of the month through the 14th of the month). Most of the time it takes repeated effort, time and time again. I called the help line and they charge $12 to make a payment by voice mail and $16 to speak with an operator!

Good way to make money - shut down the web site and charge an exhorbitant fee.

I did an online application with Ditech for a Home Equity Line and was originally quoted a rate of 9.55%. Their appraisal came in at $277,000 for my home and Anna assured me on 9/28 that I would still get the 9.55% interest rate.

Signed loan documents on 10/4/06 which indicated a rate of 9.55%. Now on 10/6/06 Anna emails me to say she made a mistake and actual rate would be 11.75% with a higher monthly payment! I signed documents for that rate and even a document with errors would not affect the rate or repayment amount. Now I am being told that I need to sign documents for the higher rate if I want the loan.

This appears to me to be a bait and switch. But even if it is an honest mistake, I ave htaken actions with my finances, such as declining a 10.5% loan from another company as well as modifying payments on other debts after believing I had signed legally obligating documents.

I put in for a Ditech loan, even had a preapproved letter from them. I told them I had a contract on a home and time was getting short. The loan guy never got back to me and the time ran out on my contract.

They left me hanging.

Responded to television ad cited flat rate of $395 for a new mortgage on a home that we now own free and clear with Ditech.com. In various e-mails and telecons we were advised of the process and interest rate. However, upon receipt of a mountain of paperwork for what was to be a paperless transaction, we refused to sign because the terms and conditions had changed from our first contact. We had provided our credit card number to secure a lock in rate that vanished into thin air and after returning the unsigned paperwork learned that $500 had been charged to our credit card without prior approval. This occurred despite an e-mail of July 10, 2006 which indicated that the deposit should not ever be charged and that the $395 processing fee would come out of the loan proceeds.

Immediate remedy was not provided by Ditech.Com despite repeated calls and e-mails insisting that the unauthorized charge on our credit card be rescinded.

I submitted an online application to DiTech. After going through the application, Mr. Williams said he had just ordered up a "merged report" from the big three credit agencies. He said it was so they could remove the high score, the low score and use the middle number, plus the total of the outstanding liabilities. After 40 minutes, he reported I was $420,000 in debt!!! He also said that I would have to be the Queen of England to get a loan - even from GNMA.

I immediately ordered all three credit agencies reports. Of the undisputed amounts, all three reported liabilities around $140K!!! Finally, I asked Mr. Williams to send me a copy of the loan application. Well, there was no way to tell where this merge report came from, because there are no address or names on it as to who prepared it.

So, how did it get to $420,000? Obviously, the entity that prepared this report doubled or tripled the debts. If a debt was resold, or sent for collection, or whatever, it was assigned a slightly different account number - so the report totals what the software thinks are separate debts. But, when I reviewed the outstanding balances, and the text, it was clear to see the duplications. I cannot seem to get a response from DiTech, nor a resolution, nor a resubmittal of a corrected loan application.

Professionalism is not a word in the Ditech GMAC corporate structure.

The loan processor contacted us on 3/7/06 to schedule the closing on 3/10. She said she would call 3/9 with the time and location of closing. 3/9 came and went with no contact so on 3/10 (the day of the "scheduled" closing) we called, left a message but she never returned the call.

We did hear from an attorney who said he never received the paper work and would come the next morning to our home. That morning he called, after the scheduled appointed time, and said he would have to reschedule for the afternoon. Since we had other commitments, we were not available.

We decided that two cancelled appointments was enough and left a voice mail at Ditech to cancel the closing.

After being approved for a HELOC, Ditech gave me all the rates, terms, and fees. I signed the paperwork and they sent an appraiser out that valued my house at $39,000 less than the appraisal done 2 months prior for GMAC. I contested the appraisal, and they sent another appraiser out that was a little closer. The Ditech rep said everything was fine.

A week later I had not heard anything so I called back. They said they needed additional information on a mortgage I had 2 years ago. I gave them the information in the format that they requested. Then they wanted more detail. I provieded more detail. Again, they said everything would be fine. Later, they need an additional W-2 form. I said ok - then they said they would have to the appraiser back. I told that I was tired of jumping through hoops and to stop the loan process. I do not understand why they would pay for 2 appraisals not knowing if they would fund the loan.

Wow! So friendly and agreeing. I have now been waiting for 8 weeks, yet my loan was approved 6 weeks ago. One thing after another, always someone else's fault. Then they called to tell me the value of my home was much less than I had stated according to their appraiser. Funny, but a condo in my unit that is not as nice or well maintained as mine just sold for $21,000 more than the Ditech appraiser valued mine. This company is not for real.

I contacted ditech.com to inquire about a home purchase loan. I was told by Sergio Jimenez (loan officer) that ditech does 100% financing. I submitted the loan request and was subsequently advised that they don't do 100% financing on jumbo loans. As a result, my loan request was denied. My complaint is not that the loan was denied, but rather because I don't want my credit to suffer as a result.

First, Todd S made a mistake in the paperwork of the loan, marking a single-family dwelling, not a condominium. This caused a delay and a change in the loan terms you offered and I accepted. Second, after signing loan documents, there was a delay in the processing of my paperwork. I was told that my appraisal came in too low. Your appraisal was off by $100,000.00.

Finally, when I was waiting for my loan proceeds to arrive, I had to contact your funding officer, only to be told she was re-writing my loan AGAIN, and it would be for $10,000.00 less than previously offered. This was due to my taxable deductions on my tax returns. No one contacted me to discuss the rewrite of the loan. No one contacted me to tell me my loan check would be delayed. No one contacted me to tell me that my amount was being adjusted for a third time. All contact had to be initiated by me.

I applied for a loan with ditech.com, everything was fine during the application process, however after that things went bad. They had a company appraise my house at a value way under market value. I disputed this appraisal by providing them with 4 comps of my own as requested. After waiting 5 business days for an answer regarding the comps sent them and than having to call 4 different times that day and 2 different people which one was the loan processors boss, I was told that the comps were denied and that the house was appraised at the max.

I asked for the name of the appraisal company and was told that I would have to pay $175.00 for a copy of the appraisal which would than give me the name of the company, and that they could not provide me with that information.

I paid cash for my home in 1991, therefore I had never financed a home. I was looking for a loan for debt consolidation and cash out for home improvements. For 6 weeks or so, I jumped through the hoops, providing Ditech with any information they would request. I was given a closing date, time and location. I arrived at closing and was told by the abstract company that the signing had been cancelled the previous day due to documentation problems.

I called Yogi who informed me that the loan had been cancelled two days earlier due to the fact that in Texas the fees could not exceed 3%. He said we had exceeded the 3% by $500. A simple phone call two days earlier to inform me would have sufficed. However, from this whole experience, I see that Ditech could care less about professionalism.