Litton Loan Services

Over and over, Litton said I didn't send a piece of info. I did. They would send me the wrong modification package. They withheld my payments, only to send them back to me. They would take as long as laws allowed them. It seemed to me the whole time, the issue was just a game to them. It would be the reason for having to send us back our payments. I think there is over 50 g's added on to my mortgage. Now I'm being told that my taxes weren't paid. Before I was told they were, I asked how. How are they getting paid if the escrow is already short? They said they're paid. Who helps us in Connecticut?

The house payment went up. They added 20 thousand dollars to my mortgage and told me this is a modification.

Litton Loan refused loan modifications on **, Avondale AZ 85323. Property is run down with structural issues; it needs new carpet, roof tiles, microwave, dishwasher, air conditioner, broken plumbing issues throughout, chips in tiles, broken window, new stove, landscaping and clean up front and backyard as a result after 4 years of fighting with them. They are crooks.

Litton Loan reported only 1/3 the amount of interest for my loan for 2011, compared to 2010. The loan was sold to Ocwen and there is no way to get the information. The tax service that I have used for many years is trying to help me, but so far they have not gotten anywhere either.

They never posted $6,000 payment, which forced me into foreclosure status. Late payments and no record of payment put in me in a foreclosure status and I eventually lost my home. My loan was recorded as late from nearly the first payment but I never saw a late payment notice. I sold my home and had over $80,000.00 in charges that I was unaware of. I lost not only my home, home-based business forcing me into a financial burden unforeseen and unimaginable. I suffered massive lost and I am still recouping from this financial ruin from this unethical company. What can I do before the statue of limitations law is in effect? I need an attorney and my rights upheld by the law.

Litton Loan servicing failed to contact me over a period of four years to let me know there was a problem with my loan and in turn my home was foreclosed on in September 2011. They only dealt with my wife and she was so afraid to tell me anything that we ended up in a divorce and homeless. I would like all my payment history reviewed from this company. I found them impossible to deal with and their loan officers were very rude. I spent many hours on hold with these people only to be hung up on time after time.

We fell behind on our mortgage, I had lost my job. Litton Loan offered a sort of payback to us to catch up on our payments. This was a huge problem, it was more than we already couldn't afford. Litton Loan offered us the Modification Program. Long story short, they told us we forgot to send this, we forgot to send that. I would hang up with one operator, and resend what I know that I had already faxed, then again a paper would come saying that we didn't send something else. I would call, the operator told me that they did receive what was sent, however there was some other document that wasn't sent to them, we again would resend the newest paper again. It got to the point where I would hang up with them and call right back and only to be told, not even 2 minutes later, different information over and over again.

I went to court, Litton wouldn't show up. I filled charges against Litton with the court for this lack of/beat around the bush information. I went to Catholic Charities to help me with my paperwork, figuring that at least we could get this squared away. Catholic Charities deals with this and knows how this system is worked. Catholic Charities said Litton won't pull these stunts on us; we will get your home on the right track. Sure enough, Litton's response was another document wasn't sent. When I gave Catholic Charities the right to handle my mortgage account was when Litton sold me. There is another $55,000.00 or so added onto my mortgage now from attorney fees, late fees, etc.

Now, here I am, Litton sold me to a different Mortgage Co. and I am right back to square one, where my mortgage is headed into a downward spiral because I can't afford the almost $2,200.00 a month. I am not looking for a hand-out, however all of this extra that has been added on, I feel that Litton should be responsible for. Big companies don't have to answer for any of this. Little people have to pay. Are there any class action suits open in CT for this? Where do I look? How do I even start? I have called around, but typical response from attorney's (knowing I can't pay) is that I should have paid my mortgage. I would have paid my mortgage, if I hadn't had lost my job, I would have paid my mortgage when we got both feet back on the ground if Litton did not procrastinate, I was paying as a matter of fact, but they kept sending my checks back to me. Please what do I do?

I, like everybody else on here, had my loan sold to Litton and had nothing but bad dealings with them. They lie, cheat and steal like the worst crooks ever. If they were a smaller company, no doubt they would be in jail for their bad business practices. They repeatedly told me payments were late. They continually charged me attorney fees for supposedly late payments that were going to put me in foreclosure. I bet I paid them three times what my mortgage was in attorney and late fees over the course of years. They, on the other hand, were continually late paying the property taxes on my property! Finally after getting my fill of them, I reached an agreement to pay the mortgage off. But they changed the amount that they agreed to settle for three times before we got that settled! My local banker said they were the most corrupt, disorganized bunch he had ever dealt with. Now The IRS is auditing me and I can't get Ocwen to send me my 1098 forms. What a nightmare!

I surrendered my home in Wyoming after being foreclosed on in 2003. Last year (2011), I ran my credit and noticed the second mortgage for my home was still on my credit with a last activity date of 2007. I disputed this date, as I had not made a payment on this loan since the beginning of 2003. Litton Loan Servicing then "updated" my report, stating the last activity was in August 2010.

My credit report now states that the item will remain on my credit until 2017. I have been denied credit and forced to accept a higher interest rate on new purchases as a result of their illegal activity. I have recently opened a new dispute with Ocwen, now that Litton Loan Services has transferred the debt earlier this year. I received a letter from them today stating that their investigation determined the information submitted to the credit reporting agencies is correct.

This information is absolutely not correct, as there has been no payment or other activity on this debt in over 9 years. In fact, I moved from Wyoming in 2003 and have been living in Texas ever since. In fact, the first mortgage on the Wyoming home has expired (several years ago) and has been removed from my credit.

Litton Loan Servicing and Ocwen need to be held accountable for the illegal activities they are conducting on a daily basis. They need to remove this information from my credit, so I can get on with my life.

We lost our business of 20 years in Dec 2008 due to the poor economy. I had been hired at an aircraft company and didn't even make the 90 days due to all of the aircraft layoffs because of the economy. My husband finally received his VA disability at the end of 2009 and we went through hell trying to do the modification thing with Litton and ultimately lost our home of 14 years to them. I can't even make myself go back in my memory to explain all of the heartaches we were put through for over a year with Litton because we are now living in public housing and have nothing. It is still very painful to think about it even though we are grateful to even have a roof over our heads.

We do have many questions that are unanswered; the 1099 I received in 2011 from Litton and now, I just received a debt cancellation in 2012 completely different amounts. I'm lost. Not to mention that JP Morgan and Chase were on the foreclosure documents. Now something about money for people that were foreclosed on, we are still confused!

I suggest that anyone having trouble with Ocwen should contact the Consumer Ombudsman that was set up under a class action to oversee Ocwen. The contact info is by phone at (800) 390-4656

By fax at (866) 771-5152

By mail at:

Ocwen Financial Corporation

Attn P. O. Box 785061

Orlando, FL 32878-5061

I have proof of payments for the last three years, still put they me into foreclosure, then sold my loan to Ocwen. Ocwen put me into modification. I cannot get the 1098 from Litton for the year 2011. There's no way to contact them. Ocwen has not helped much. I can't seem to be able to contact a person concerning why late fees were added on when I made both agreed upon payments ahead of time.

I have not received my 1098 for 2011 from Litton Loan Servicing. They, Goldman Saks, sold Litton to Ocwen in November 2011. I am able to get a two month 1098 from the Ocwen website, I haven't received theirs either. However, the Litton website is down with only a reference to Ocwen website. I just talked to Ocwen and was told they would not send out 1098 for Litton, they had to come from Litton. There doesn't seem to be a Litton. Our loan has been sold repeatedly over the years. We have no idea who we are dealing with and they apparently have scant information about us and the loan.

Litton Loan and Ocwen are the same loan company. They both have the worse record of getting anything right. Lost paperwork, lost payments and the modification process is unbelievable. We have been in a modification for over two years and it's like listening to an old record, same story of not having the correct information on file. Plus, when you call them, why ** isn't there a Sheridan-speaking person on the other end! It seems like they reside in India and this is another way of having America's economy destroyed from within. Change needs to be made or we are all going to be homeless in this country.

I have had a mortgage loan with Litton 2002-August 2011. And then my loan was transferred to Ocwen Loan Services. During the 9 years with Litton Loan, I was never late or delinquent on any monthly payments. Litton Loan electronically withdrew the amount of monthly payment each month for my mortgage loan, and I have bank statements to show this proof.

In August 2011, Litton Loan sent me three default letters and said I need to pay $900.00 for past due payment and late charges. I could not get in contact with Litton Loan, because their phone and fax number was disconnected.

Now, Ocwen Loan obtained my past history transaction from Litton Loan, and they are saying I am past due and have late charges. I have been writing numerous letters and sending copies of bank statements showing that Litton Loan withdrew each monthly payment from my checking account. I can only fax or mail documents to Ocwen research department and have talked twice to an Ocwen relationship manager about this problem. But they do not have the documents that I sent in front of them while we are discussing about Litton Loan error on my payments. So they cannot refer back to topics that I am saying. They only tell me to fax the information back to Ocwen research department.

I have faxed and mailed so many papers to Ocwen, disputing past due payments and late fee charges that were errors on Litton Loan's part. But I cannot get Ocwen to understand or see that I have made all my monthly payments to Litton Loan and they have been made in a timely manner. I just don't know what else to do, and I'm so stressed and angry that Litton Loan did not manage my mortgage loan payments properly.

The end of 2009 and start of 2010, I ended up with extra medical expenses and called Litton Loan Servicing asking them if there was a way I could take the one payment I fell behind on and tack it to the end of my loan. I spoke with someone who said they don't do that, but that I could probably get a loan modification. So I sent in all the paperwork they needed as I continued to pay on my loan. They then tell me I make too much to do the loan modification, but I maybe able to spread the one month past due over a period of a year. So they then asked me the same info over again and told me I don't make enough for that but retry on the other.

I then did that again and it went back and forth for months. Then they finally said I can spread out the one month past due over a year's period, I just have to sign a paper then it would get started. So when they send the paper, it tells me I have to send almost 2 months' worth of payments to even do it, which doesn't make sense. By now, it's been almost a year and they are tacking on late payments every month. I finally got my tax return and paid off the past due, but now I have over $600.00 in late fees and before I could call and try to get them taken off, my loan had been sold to another company.

Also, now that it's tax time, who do I get my interest paid info from? With their poor customer service, it's not surprising that they are no longer around. It just makes me mad that sometimes, people have a little setback and they can't help with a one time deferment. They could at least not tack on late fees. If a person is having a hard time making a payment, what makes you think they will be able to make a payment plus late fee!

My ex and I mortgaged our home. We paid the note late some months. During the time I was mobilized, my ex was not paying the bill. Litton finally contacted me at my deployment station informing of the amount of money I have to pay to prevent foreclosure. I paid the money. During the process of my divorce in which they were made aware of, they allowed my ex to not only miss several house notes without informing me but also allowed him to put some contact information on the house and remove mine. They also allowed him to remortgage the house without my signature. At the time, I was drained physically and financially taking ex to court, so I did not have the resource to hire a lawyer. Also, I was preparing to go to Afghanistan and wanted the matter resolved quickly.

The foreclosure has prevented me from being able to purchase another home. Also, I have to get the highest interest rate on vehicles making it difficult for me to remain above my debts. I would like to know if the crooked and round about way that Litton does business is allowed by the law and the government as fair ethics?

We were foreclosed wrongfully. One day, we came home from work. We saw a note that our house has been winterized. The locks were changed. I began wondering what has happened, why locks has been changed. I called my loan company, which is Litton, and spoke to them asking why they did this to us. After talking to several people, they apologized to me for what happened and let me enter into my house. Upon entering, I saw all of our belongings were taken out. I called back to MSI Department, asked why they have removed my furniture and many more things. They told me they made a mistake and apologized to me. I was shocked. I have a lot to tell the whole story. But at this stage, I was happy to be in the house.

They told me that somebody will bring the belongings and will change the locks back. My house was winterized, water was turned off. I called the MSI Department, asked them to turn the water on. She asked me to go to the local water company to turn the water on. When the water was on, my house was flooded with water. I was so upset. Litton loan told me to open the windows and it will dry out. Well anyway, there are lots of things they did wrong to us and now is our time to sue and take them to court. After 2 weeks, they offered us a loan modification. Each time we send papers, they either lost or they did something wrong. We have been denied four times. We hope we all should take them to court and get justice for wrongful foreclosure and many more scam to punish them.

I would like to tell all the news people what they did to us. I think we all should file a lawsuit against the Litton Loan. We want them to be accountable and they're wrong doing misconduct or fraud. I hired 2 modification lawyers and still, they said we gave our papers wrong and not in time. I think they wanted our house so they can make more money.

I applied for a loan modification in early of 2008 and was denied, indicating that unemployment wasn't a coerce of income so I applied again by mid August I received notice that I was eligible for a pre mod and all I had to do was sign the agreement and make the first payment so I did. Now mind you, I have been making payments to avoid foreclosure. Before the end of the third month, rolling it over just maintain so I wouldn't lose my home. So I made the payment with content that I finally resolved this. Thank God. Well, two weeks later I received another statement to make another payment so I called wondering why. Well, I spoke to a customer rep. The rep had said that there wasn't a problem and just to make the other payment so I said fine. Within 20 minutes, I called back to make the payment and another rep said that she couldn't and basically said that I was in foreclosure with no other explanation.

And I have been battling with them for three years straight now with no progress. I am forced to lose my home and no one to turn to. I have been deceived and lied to by fake law forms. I have lost money and changed legal services and nothing. I have reported them to the BBB and it's obvious that it wasn't enough and have stressed every option I could. There is just too much to continue to go through that my family and I have suffered greatly. We have even tried to work with them willing to pay up to $4000 a month for one. Yeah and after the agreement, they took that away as well. I am losing my home. I work. I am a teamster. I make good money but I am not being treated fairly.

There is no rating this company, here it is the 13th of November and Litton in May of this year told us we owed them $8,845 so I pulled from our 401K's and paid it, that drained our accounts. Then they told us that we would have to pay 2200 a month that was twice our mortgage payment and then some, I paid it is at the end of May and then I lost my job. I was back to work in September and went to pay my loan then and they had sold it off to Ocwen but Litton said we were current due to the amount of money I had already paid them.

Needless to say, I paid my October payment to Ocwen and they sent it back stating that the mortgage we owed was $14431 to catch it up and our payment would be $1873, my mortgage payment is $955. Now, they won't accept our payments, which I have put into a savings account they have ruined our credit so we couldn't try a VA loan, they refused us, and I was told to fill out the Modification paperwork so that we could get our loan modified, modified to what, all over what Litton did, now Ocwen is going to do the same thing.

I will put my place up for sale before I will let them have it and on top of it, how do I ever get decent credit after all of this, you need credit for insurance, to rent a place and even to get a job, what Litton has done has screwed us up big time and on top of all of this it is because they paid our property taxes, which weren't even late. I found out about the property taxes because I went to pay them and was told they had been paid by our mortgage company. Now with a son in Afghanistan and two at home we will lose our home that they have grown up in and what will my son have to come home to, nothing, he has already lost his childhood to a war for his country and now he will lose the memories he grew up with because we are going to lose our home.

Litton loans should have to pay us for all the heart ache and the mental anguish that we are going through right now. Plus the strain it puts on a marriage because of the heartache that is going on over a dog gone mortgage company. These people that say pay your bills have obviously never dealt with a mortgage company like Litton.

My loan was purchased by Litton quite some years ago. I have been trying to get my modified for over two years, and they continue to have excuses about something all the time. I actually qualified for a 2% mod. Litton is and has been a rip off ever since I have dealings with them. They are a poor excuse for any kind of a company.

Why isn't Litton on the participating servicers for the Independent Foreclosure Reviews? Why did the Federal Reserve Board choose to exclude them from their list? For over 2 years, I had tried to negotiate with Litton and got the worst service. Finally I was in a trial modification, went for cancer surgery, and came back home to find that they had foreclosed on my home.

My taxes for the year is around $7000. I had a rough time paying it for 2 years. I requested Litton Loan to pay for it. They increased my payment to $1300 a month extra. Two months ago without notifying me, my payment went up another $40 more a month for no reason. I requested a list of how my payment was applying, but never receive one. Now my loan was sold to Ocwen. I received a letter in the mail, stated that I owe less than my monthly payment. When I attempted to pay in October, I was not able to do so. I called Ocwen, was told they don't have my file as yet and was unable to help me at this time.

I would give 0 stars if that was an option. After years of Litton's horrible customer service and failed attempts to refinance, I put my house on the market. After being relocated for work and renting out my house, the renters abandoned the property. The property is worth a lot less than is owed and we fell behind on the payments while trying to maintain in two cities. We had an approved short sale amount from Litton and a buyer, with cash in hand. Conveniently, while they were working on final approval, they sold our loan to Ocwen, which is even worse than they are! We now have to start over and will most likely have our loan foreclosed on. Thanks to Litton for not following through on their end and selling our loan out from under us.

My account was transferred to Ocwen. After I began making a $500 principal payment, at which time only $52 was applied to the principal. They charged me $133.00 for late payment and I was a month ahead. How can they keep selling your account and we, the consumers, are being charged? How do I file a class action suit against them?

I have been dealing with this stupid company for too long. They are a piece of **. I was supposed to have been in a home modification since the end of last year and I just found out that I am not. What a joke. I am two months behind and I know that. They have wasted more paper and postage letting me know this--than what I owe them. I am a single mother and I have been in this home for over 10 years. You would think that they would appreciate that I am trying.

I had my loan from Litton. It was sold to them as of 09/01/2011. I sent them a payment. As of now, Sept. 14, they say that I need to pay them $4117.84, almost $600.00 more than my loan payment. When you go to the automated phone, it says invalid account.

I am making escrow payment on my mortgage. Litton did not pay the insurance premium, the insurance was canceled. The insurance company will reinstate the coverage because it was lapsed more than 45 days. After being without coverage, I had to shop for insurance with a new company during the hurricane season. I had to pay surcharges of $767 for no prior insurance. All Litton told me was "sorry, it was an oversight".

I have been trying to get a modification since July 2011, and in numerous occasions, they have not returned any phone calls. I sent all the required paperwork on July 1, 2011. I received another letter stating that the information was incomplete, so I sent another packet with the requested information on September 1, 2011. Yes, it took them over 30 days to let me know they needed more information. I just received a letter stating that we do not qualify because we have not sent the proper paperwork.

Hello! I faxed over 20 pages for three times to this company! I left numerous messages with no return phone call. Spoke with someone today, only to learn that there is more paperwork being sent. They have given me 30 days before the foreclosure process will begin. Can someone please tell me why this is a government funded program and Litton loan is useless?

When my mortgage was transferred to Ocwen in Aug/Sept., Litton Loan claimed that I owed several hundred in late fees. If this is correct, why was I not told about this before? I always included the late fees with my monthly payment. I contacted Ocwen and got no satisfaction, so I contacted a second time 2 weeks ago and I still have not been able to resolve this issue. My big question is this: If the late fees I paid every month were not applied, where they were supposed to be? Where did that money go?

I fell behind on a mortgage payment for one month, June. Well, I called Litton, they said to not worry as they have many options I can make my mortgage payment plus an extra $50 dollars each month until I got caught up. I made my payments but they did not take the extra money at all. I paid $200 in Sept, they said it went to late fees but not to my actual payment, in fact all of my money from June up until Sept went to late fees. So I have made no payments at all. I paid, and they took and gave me no credit for paying my bills and then in Sept they sold my account to Ocwen who said I was now 3 months behind and I now owe $1,109. I told them that I paid Litton, and I have the conformation numbers. Apparently, it doesn't matter and they said those were all late fees. Wow!

They are charging me 10.65% interest on a second mortgage. I have contacted them many times, telling them that I can no longer make the payment and asking them to lower the interest rate. They refuse to do it and just give me a run around every time I try to communicate with them. Every one speaks broken English. You can't understand who I have talked to.

I am now behind 2 months and need a decrease in my payments before I am able to make them. I am a senior citizen on a small limited, fixed income. I need to keep my house as I have no other place to live. I could make the payments if they only didn't apply $16 a month on the principal and charge 10.65% interest, which is a huge amount every month.

I lost my home that I owned for 11 years because Litton took 8 to 11 months to try to get me a loan modification. I sent numerous paperwork, faxed, and mailed them everything they asked for but there was always something missing. I lost my home due to their poor business practices.

They had horrible service since they bought our loan in 2003. They kept finding new ways to charge us and we fell behind in payments when our tenants up and moved out with no warning. We worked with Litton and a realtor to get a short sale set up. The sale was approved by Litton and on the day it was set to be signed, they notified us that they had sold our loan to Ocwen.

We have buyers, with cash in hand, ready to buy for $9,000 less than the total owed and Litton sold our loan and now it's in foreclosure.

Seriously, poor tactics for a company that claims to help people stay in their homes.

These people are crooks. They took our mortgage payments for two years while telling us we had "a great chance at home re-modification loan". We sent all the necessary information five different times in certified mail and they kept sending back mail saying we didn't fill in one line or didn't check the certain box!

Only to find out Litton was not even the mortgage holder so we were sending money out in the air and no one was telling us they received our payment! So we stopped paying! Why throw money away right? Hot potato is the only way to describe it. No one wants to talk to us, yet someone wants to sell our home on November 28th! We are frustrated and confused. All we wanted was a monthly payment we could afford and a descent interest rate!

Litton Loan is the worst mortgage company. They seem to want everyone to go into foreclosure. My husband and I had gotten two modifications, hoping to lower our mortgage but instead of lowering they raised it because of the "interest" for the time they were modifying our home. This happened last year. Then my husband lost his job. When we asked one more time to try this again and make our home affordable, they denied us and said our home has a sale date. But then I called their attorney, he said we don't have a sale date yet and our mortgage is on hold.

Litton Loan Services is a crook. I tried for 8 months to get a loan modification, but they kept telling me that they didn't have all the information, which I faxed to them several times, so I finally sent them a letter with a copy going to the bank of commissioners and the attorney general. They finally gave me the modification but they added taxes and insurance into the payment making it $75.00 less than what is was. Big help! So now my unemployment has run out and I am living on SS benefits. So they are foreclosing, and I got a letter stating they were charging me a $10.00 fee for riding by my house to check the occupancy inspection, which I am not paying. Something needs to be done to help other people.

I was glad Litton finally modified my first loan, after a year of irritating repeated document requirements. Behold, after one year of lower payments, Litton required me a hurricane insurance which they bought for me and should have brought up my monthly mortgage by $407. The insurance cost was $3451.54 and took effect in March 2011. I called and asked if I could buy for my own, which was agreed upon. The insurance I bought cost only $1381/year.

2. The amount added to my escrow balance for insurance coverage from Mar. 22 to Aug. 31 was $1537.17, almost half of the entire year coverage.

I have been fighting Litton for over three years now. They ** up my insurance and began overcharging me by $300.00 each month; however, failing to tell me that they raised my note. I continued to pay my house note as usual, then received a foreclosure notice from them stating "partial payments." After a year of trying to figure things out, the head of their insurance department told me that Litton had made the mistake and miraculously, my note was reduced. They wouldn't take me out of foreclosure, however.

This has been a nightmare. I can't get anyone to return my calls. I have had their lawyers, the sheriff's office, congressmen, the FTC, HUD, all attempting to solve this and they are still not taking my payments. They wanted me to pay them $10,000.00 and pay a $1,700.00 house note for 24 months. Emilio also told me to find an additional $300.00 per month so they could create a plan. They sold my loan. I was told by Ocwen that Litton is out of business. I am still **.

I had a nightmare modification in 2009 and was denied after 7 months. I was told to make up for the balance of the monthly payments that were reduced and taxes and fees and pay in 15 days or go into foreclosure, short sell, or a payment plan with 2 thousand dollars down and $1,270.00 a month, that was just paid off last month. On 2011, my original payment was $930.00 and is now $1,200. Some help huh? Anyway, my question is, I can't get anyone on the phone at Litton Loan since September 1st, does anyone have this problem?

My husband lost his job in September 2009, and he called Litton because he was scared. He talked to a representative, and she did a financial hardship on him. He was guessing on what I made a month. Well, I went to pay the mortgage; they told me that my loan was modified already. I went pay the loan payment they told me. My new payment is $620. Well, he only talked to the lady that one day, and the next day they changed our mortgage payment from $1463.61 to $620, which I thought was great. Then they called that I need to fax stuffs over, and I did. I ran around getting all the stuffs they requested and shown them that he wasn't getting unemployment compensation yet; that it would start, but it was much less than his actual checks. So, after 6 months of doing the loan modification and making those payments, they told me that I have to pay the normal amount. They told me that I could be disqualified if I don't. So, I made the payment they requested.

Well, here came the rejection letter stating that I made too much money, that we do not fit in the guidelines for a loan modification. Meanwhile, my husband lost his job; my overtime pay and bonus money were cut off (they counted them in when they did my loan). So both salaries went down big time, and we still didn't qualify because they wanted the following year's income tax information. So, they made us past due and reported it to the credit bureaus. They raised our mortgage up. I wouldn't give them any stars.

Now I got a letter stating that my mortgage was sold, and I had emailed asking why because I worked for a bank which I just let go in April. There was another bank above us, and they do mortgages. They told me that Litton was going down, and then I got a letter—wow. How do other banks know what is going among them? I was told because they were doing fraudulent deals, but I am not sure if it was true. I heard about it from other companies and people who are with them. Now we are being sold, hopefully they can help us with a new loan modification to lower our payments because now neither one of us is working. I am the only one getting unemployment pension, and my husband is done on September 19, 2011.

My loan was bought out by Litton in 2003 and they have constantly tried to find ways of charging us more money every time I turn around. We didn't have an escrow set up when we had the house through our prior mortgage because we paid our own house insurance and property taxes. I live in a small town so my property taxes are now around $660.00 a year. I have lived in the same house for 25 years and always paid our taxes every year, and house insurance every three months. But if I get a few days late on my house insurance, Litton is already threatening to charge me $700.00 to cover my house. So, I have to get my insurance company to fax them a copy showing them that I have coverage. They do this all the time.

Well, this year, I forgot to pay my property taxes on time because I am disabled now with several medical conditions. Sure enough, they sent me a letter reminding me that if I don't pay them, they would. They were only two months late--one is due in February and the other is due in April. Well, I was saving up the money. Then, the next thing I know is that they set up an escrow account for me and paid them. But, guess what, at the same time, I found out that they sold my loan to Ocwen. And the funny thing about that is they are using the same letterhead. I wonder what is going on here. I called them and told them how I felt about them and the whole situation. She told me that they could open an escrow even without my consent.

For the next 12 months, I have to pay an additional $112.00 to my first mortgage. And even though my taxes have always been paid by me, I have to pay back $1,041.00 because they paid next year's taxes too. They have never even offered to pay my taxes before, and the reason why they decided to do it this year is because they wanted to sell my loan. I never went looking for Litton. They just found me through someone else and I couldn't stop it. I just hope my that my representatives can do something. I am getting an attorney too. It might not do any good but I will go down swinging.

Litton took our loan on our home. We fell behind. We faxed, mailed, faxed, and mailed again and again the same information over and over to get into the Making Homes Affordable. I filed a complaint thru the Putnam CT Court, Litton was not responding to me. Finally, we got into mediation. We made our payments but they sent them back because paperwork was still missing, according to them.

Litton was taking as much time as the time allowed them to. Litton was faxing me old paperwork and that wasn't even the plan we were working on. I would call them and ask, "What do you not have?" I was told what they needed me to send. This happened so many times that I would call them back, 2 maybe 3 times in a row to ask, "What do you not have?" again, and, "Don't you know?" this representative said, "We need this and that." This was not what the last representative said. So, I call back again to verify what they needed and this rep would tell me that they already have the other items that the 2 reps before them requested. However, something different was missing.

It was like a game to them. We send payments and Litton held on to them as long as they could, then they would send the payment back because again, some paper was missing. We send another payment, same thing over and over. This is just the nutshell.

Three years later, I have been sold off to another company who has, in 6 months, actually done something with our mortgage. Litton had our monthly income at 2,000.00. Do you really think that if I made that kind of money in one month, I would have fallen behind? No, but that's how it went. Litton Loan took our paperwork and played with it to draw things out and mess me up - really great with these fees and fees, oh and yeah, more fees. Apparently, I can't submit this unless I give a very unworthy star, so please, this star is not by choice. I would only have one choice of a rating for Litton Loan Service and that is a big 0!

As of January 2011, we were four months behind on the second mortgage and January was the last statement we got. I called in June to find out what was going on with the loan and was told it was in charge-off status. I spoke to Maribel ** and she said that we could do a settlement offer—pay them 3,000.00 and that would put the loan as paid off. I said, "Great. Let's do that." And she told me that once the offer is made, we had 60 days to make the payment. Well, weeks went by and we never got any paper work. So I called back after four weeks and was told by another person that they would email her to call me. But there was no call from her. I left two messages a week for two more weeks and there was still no reply.

But finally, I got some paper work in the mail. I got the papers on July 23, 2011. It was for a closing settlement (as if we were selling the house and the new owner had to pay the 3,000.00 settlement) and it had to be paid and done by July 21, 2011. First, how can something have a deadline that was set even before I got the papers? Second, I was not selling the house. Third, I was told that I would have sixty days to pay the settlement amount. And so, I started calling and leaving messages to get hold of this woman. And again, two weeks have passed and there was no callback from her. But wait, today, I received a letter stating that our account has been sold to another company! ** This is so not right. I am so glad that it was just our second mortgage and they cannot foreclose the house. They will never get their money now. Without this loan being settled, we cannot sell the house for what we owe. My husband got a new job out of state and our initial plan was to sell this house. But now, it will never happen with the way the market is. If they had just stuck to the settlement offer they told me, all would have been okay.

A few months ago, I entered a statement concerning forced placed insurance with Litton Loan; I am yet to get a response. They have placed $4700 additional escrow, and my payments have gone up 400 more a month. I need help, please.

Litton Loan Services has continued to modify the date on my credit report for a loan that I defaulted on in 2003. My report has been modified on at least two separate occasions so they could extend the time my credit would be negatively affected.

The first time I noticed this happening was in July of 2007. The most recent was August of 2011. The account in question was originally charged off in 2003. When I noticed the discrepancy this month, I disputed the negative item. They responded by listing the debt as charged off as of August 2011. They refused to remove the debt even though the debt is much older than the maximum seven years.

We applied for a Loan Modification to lower our payment and interest rate due to the economy. My husband is 100 disabled since 6/02 receiving SSI and obtaining VA Disability in 9/05. I retired early 12/04 to care for him. We have struggled financially. Litton has repeatedly lost parts of the application. We have had to fill out and sign forms numerous times. We are still in the process of completing the Loan Modification. We received a letter dated 6/25/11 stating an escrow account was added to pay our taxes.

We have since the Mortgages inception in 2005 paid for taxes an insurance monthly ourselves. I called and adamantly declined the escrow account. I was told by their Representative that this escrow was for the Loan Modification and that we would need to sign before it was final. I indicated that this was not the reason for the loan modification application. We clearly stated in writing the reason for the application several times during the process that is still 5 months later not complete. Ms Gonzalez never returns my voice messages, I have to call back. On 8/2/11 Litton Loan Servicing LP withdrew the loan payment including the escrow amount totaling $866.87. Our payment is 787.24. I immediately contacted them by phone, once again leaving a message for Ms Gonzalez and then speaking with Samantha Gater, a Representative, who advised me they need additional documentation as usual before the decision could be made for the modification.

I was transferred to the Escrow Dept. I was notified the modification had been approved,the escrow account was set up,that was the reason the payment increased and I would have to talk to the Representative handling our file to get it corrected. This whole process has been so stressful. Litton is charging us $100.00 to process the modification. They have drug this out for 5 months, losing documents, needed documents to be corrected,more documentation etc. We feel they are dragging their feet in an attempt to get us to drop the application. We have spent hours redoing documents,paid for faxes and I have resorted to sending any documentation priority mail with delivery confirmation to avoid countless delays. Now they have increased our mortgage payment with the escrow account added to our mortgage.

I am now taking care of my 81 yr old mother since my step father passed away 4/12/11 as well as my husband. My husband has COPD with asthma, allergies and PTSD. Some days he is good other days he is in bed for days. In 2008 he had brain surgery for a cavernous angioma, in 2009 he was hospitalized 3 times from 3/09 to 6/09 with pneumonia. On 9/09 he had emergency surgery for gall bladder removal that was gangrenes then 1 week after being dismissed admitted for an intestinal infection. I hope you can help us bring this ordeal to an end. I feel we are being treated unfairly by big business. I am afraid we could end up losing our home after 6 years of on time payments because of the financial drain., etc has continued to increase.

Problems of no assistance in modification, and now a Short Sale. They are refusing the American decrease in property value and want to over-ride the price in my area, asking qualified buyer to pay more than property value, asking for pictures and contractors to come out to property and give their input. Prices across the nation for owners are at a lost. I have a buyer and they are keeping me from selling property and giving my brokers the run-a-round. It was to be completed by August 05, 2011, and they are sending for more information, which has all been submitted to them and a letter to me and brokers, asking for more money than property value. Do I go to court or what do I do?

My husband and I received a payoff amount for our mobile home in writing from Litton Loan. We wanted to sell our trailer and buy a house. When we got a copy of our credit report, we discovered that Litton had "charged off" our mortgage in November 2009. They showed no payments being made since that time even though we have continued to receive monthly statements with the correct loan account number and the correct mortgage payment amount every month to present (28 July 2011). My first reaction was, "How the ** do you "charge off" a home? I mean, it's a home, not a doctor's bill!"

When we contacted Litton to figure out what they were doing with our mortgage payments, the runaround began. My husband has tried repeatedly to get a copy of our account and we keep getting the account information saying that we haven't paid our mortgage since November 2009. It also shows a lot of "missed" payments that we know we made. We have a paper trail showing our payments, but getting anyone at that company to speak to you on the phone is nearly impossible.

We checked civil court records for our parish (we live in Louisiana) and there have been no foreclosure suits filed against me or my husband. We have not been booted from our home, which you would expect if the flipping thing had been charged off (whatever that means). We are now in the process of retaining an attorney to see if he can get a straight answer from this company.

My opinion is that, since we have a mobile home, the resale value is next to nil and Litton chose to take a loss on it without contacting us. They have been paid by the government for this "loss" and are now double dipping. It looks like our money may have been sent to some sort of money management account, although the account number is exactly the same as our mortgage number. To me, this sounds like fraud and a federal offense, but I'm not a lawyer. I am praying that we can get our issue resolved somehow. But Litton has a track record of unethical and underhanded dealings with the majority of their customers.

If you want to lose your home, just have Litton Loan handle your mortgage.

Litton Loan has many lawyers on the payroll, and many people have tried to bring them down. My best advice is to get away from them as far as you can. Litton knows that home owners in distress don't have the money to hire good attorneys.

Litton can get away with murder. Get away from Litton!

After two years in a row and submitted every single document request for modification, I finally received a call from modification department payment. From 1,200 it was lowered to 678. I requested document via mail and the next thing I know, the person handling my case resigned and nothing done and everything was set aside.

I am going through similar crap with Litton for a year and a half now. We either have too much or too little income for a change. I am so mad and tired. I can't believe how many people here are having the same nightmare and nothing has changed.

Only we can change it. Let's get in gear and do something about this! IT'S TIME TO GET LOUD!

I was out of work for almost two years and fell behind in my mortgage for most of that time. During that time, I never received a letter, note or telephone call from Litton. In December 2010, I was back on my feet. I was able to begin paying my mortgage, and I hired an attorney to help make arrangements. My attorney was not able to this day receive all the documentation; so that I can begin repaying past payments, and start paying current payments. Now I received a letter from Litton telling me that I could lose my house.

As I read the previous entries from other victims of Litton Loan Servicing customers, I don't feel alone.

I have gotten the run around from Litton for 2 years requesting "missing" paperwork which I sent it four times, delaying the auction of our house, and getting transferred from dept to dept.

Finally, last month Jeff Altman from Litton calls me and tells me my loan mod has been declined and that Litton just came out with a new program and they would offer me $12,000 to move out by a certain date as a "voluntary foreclosure". I said I need that in writing, and Jeff tells me that it is so new that they don't even have it in writing yet but promises me that they will honor it. So I move my family out by the agreed date BUT to only find out that Litton says on the date of the auction there is someone that has been added to my title and so they could not foreclose.

Since then, I have gone to the title companies and clerk's office and verified that NO ONE is else is on my title, but since then I cannot reach Jeff Altman and they keep transferring me to Bankruptcy and Loss Mitagation and no one knows about the $12,000 they have offered me to move out nor can I reach Jeff.

This company is full of lies and are a bunch of crooks. Someone needs to do something about this company.

Litton acquired my mortgage in 2005. If I would have known how horrible this company was, I would have tried to get out of it at that point. But anyhow, here is my current situation. I am trying to do a modification with this company since August 2010, and every time I have tried to do this, I have been denied.

First they didn't receive the documents, then they were cut off while being faxed, then they were misplaced. They just don't want to help. I cannot afford my payments and they just don't want to work with me. Every time I talk to someone whether it be the same person or someone different, I get totally different answers and they repeatedly ask me why I am late in my payments. Do they really have to ask that?

I lost my job, I found a new one that pays almost $2,000 less per month and I cannot catch up. I have received 'intent to foreclose' notices. I have followed thru on them and contacted the company and then all they can tell me is that I am in default. I am only one month behind. They can help me with a repayment plan but unfortunately, I cannot afford my payment now so it will not help. She tells me I can do a short sale. I told her I just want help to keep my home.

I then tried calling someone to refinance and they just informed me that all of my payments since Feb 2011 have not been reported to the credit bureau so my credit is showing serious delinquency so they can't help because of this. I then spoke with the representative at Litton and she can't tell me why this is happening. She is my account manager and she cannot answer the question. Wow! This company really sucks!!

Litton holds second mortgage for us, which is subordinate to my main mortgage. I have opportunity to refinance my first mortgage with much lower fixed interest rate. Litton has told me and the new primary lender that they will not sign a "subordination letter". Thus, I will never be able to refinance, unless I pay off their mortgage. They say the "investor" will not allow any subordination to another loan, but when they bought the loan it was subordinate already! I am not asking them to change anything. I could save over $100,000 in interest with my new 1st mortgage, but will not be able to do anything without Litton signing a subordination letter. I won't be able to refinance ever.

I did a modification on Jan 2010, was finalized and everything was fine. Prior to the modification, we paid our own taxes and insurance. With the modification, we had it added into our payment. They stated that they would pay taxes and insurance. A year later, we received a new payment plan stating that our loan payment will be going from $894.00 to $1194.00 a month. They placed forced placed insurance on us for the amount of $4700.00, then stated that our escrow was $8000.00 in the negative. We have since called and they refused to straighten this out. Mad as hell. I'm not behind in payments, but the reason why we did the modification was to lower our payments. We did a lot of research and I have come across so much information about Litton Loan and their practices. I am so disgusted and frustrated. Please, can someone help?

I am looking for help with a "making home affordable" loan modification nightmare that we have been dealing with Litton Loan, LLC. I will try to explain bullet points without creating a novel.

We qualify for the loan modification. No problem, and we were approved on our second mortgage with Fifth Third bank. No problem. We filled out one form and sent it in with requested documents, and it was done in a week. Very professional friendly staff.

Litton Loan LLC complete nightmare: We started the loan modification over 20 months ago. We filled out the original forms and sent in all documents requested, and they have been asking for more and more documents every time. We have sent 100s of copies of everything, and it's never enough. They always have "something else they need," some mistake we need to fix, or written statements to be send. They are all very rude and are not friendly to deal with. And "stall, stall, stall" is the game they are playing.

It's always a new customer service agent to deal with. And I guarantee they are trying to make it so frustrating that we just give up. My wife and I have sent them everything they ask for over and over for the last 2 years. We don't know what else to do. We have sent 2 years of bank statements from all 4 accounts that we had to hand sign the bottom of every page and send back again. Then they made a mistake when they thought we had an account that did not exist.

We sent them statements from all accounts as requested, and we have to send a written statement saying "the **" account that they made up does not exist. They need proof of unemployment, then proof of unemployment ending. They have been stringing us along over and over and making us wait weeks to mail stuff back and forth. They never called back when they promised they will. They never sent us anything telling us what they need. We have to call over and over again to check and see what the new demand is and then wait weeks for it to "show up in the system after faxing."

And then learn about more and more demands. It's ridiculous! We spent over $100 on faxing docs. Every time, they assure us they have everything and just need this "one more hoop to jump through." But it's never ending. Help.

My wife and I went through a loan modification through Litton Loan Servicing dealing with a Markus **. Our loan was reduced from $1,478.17 to $1,258.83. I can't remember if it was for three months or four. Anyhow, we have all payments as of January 2010 when they started to electronically take the trial payments and full payments from our account after that. Thus, they transferred us to a company called Green Tree Servicing who we are going through modification.

We sent all the required paper work in and they said that we were qualified. Then, we received a trial period with them--$1,450.98 for three months to be taken out as of 4/1/2011. Then, we get a call three to four days later saying that we don't qualify. Because of our payments, Green Tree claimed that it was Litton Loan who said that we were late. I sent in all the bank statements from 2010--all 12--and now, Green Tree says that Litton Loan never gave them all the paperwork so we need to send in all the information. Unfortunately, I don't have the agreement, but I have the person's name and the amounts that were taken out.

I just don't know how we are supposed to be responsible for sending the paperwork in, when Litton has all of it and transferred us over to Green Tree. Don't you think that the paperwork should have been sent? We have done our part and it has been almost two years that we have been trying to modify and to send all the necessary paperwork for modification. We were told that we were approved but then, we received another phone call stating that there was a glitch in the computers.

And we were not the only one--it's all about the trail of paperwork that Litton Loan Servicing did not forward to Green Tree. Now, we are in foreclosure we are still paying our mortgage until today, 6/1/11--which Green Tree won't take until we give them the contract that was done with Litton Loan (paper trail). We don't have all that paperwork. We made the payments faithfully right out of our checking.

My husband and I married in September 2010. Shortly after, he gave me his consent to open his mail. I was aware that there had been an attempted foreclosure by Litton Loan Services in early 2007. I was also aware that Titanium Solutions were involved. A hefty sum was wired, quick collect, through Western Union to temporarily resolve the situation. Litton Loan referred to it as good faith money. A fixed interest rate was agreed upon and the principal was increased by approximately $12000. Some of the principal increase was to cover what Litton Loan deemed as unpaid property taxes.

Unfortunately, my husband received a tax lien notice for 2007 in November 2010, payable to LLC Care of Bank of America. I finally managed to purchase replacement cost insurance as my insurance. The representative pointed out to me that Litton Loans forced placed insurance policy was a worthless policy, with hidden behind PMI (Private Mortgage Insurance). My husband filed a claim for damage incurred during the heavy snow storms of this winter.

Last month, I was having trouble with my computer, so I made a pay by phone to the above, the tape asked if I want to use the last bank payment, I said yes and it turned out to be the wrong bank account number in the system. They did not receive my payment, my next move after calling litton and calling my bank, I sent a overnight check in the mail. Wrote a long letter to them, telling them to check their system, because I have been paying with the same bank for years, same route nos.

It took two weeks for them to receive that payment. This month, May, I am still having trouble with my computer, it is under some attack (virus) or something. So I sent the May payment earlier by mail with the stub that comes with the statement on May 2nd. My account is due on the 9th. I have contacted them by e-mail because the amount had not been deducted, today by phone. The lady today said the stub sometimes gets separated from the check and call back in a couple of days.

It has been 15th days since I mailed this payment. I just can't see why they are holding or if they are holding and what their purpose would be. I was thinking about asking for a reduction in rate because I now live in the house that the mortgage is on but I pay my bill. What other motive could this be or am I being overly nervous.

We have been having issues with Litton Loan. First in April of 2009, our home was sold. We found out when someone knocked on our door "cash for keys". It was due to our neglect on making sure the payments were coming out of a checking account. We explained to the attorney at the time that we had no idea it was even going to sale and that we had the money in the bank for all of the missed payments. So, they agreed to rescind the sale but we had to scrap up another $8000.00, because it was now almost $21,000.00 in order to get our house back. We did and exhausted every resource we had. Two months later, I had to have surgery that took me out of work for two months without pay. So, we had been struggling to make our payments. I then got with Litton and explained the situation to them and tried to get a modification done. Their idea of a modification was to raise my payment!

We started working with a modification firm in November of 2010 to try and help us. They were working with Litton since then, communicating and submitting all paperwork. The last call I received from the processing department in the beginning of May was that our home had already been sold back to the lender on March 9, 2011! They were as shocked as we were. Once again, we received absolutely no notice, nor did the company that was modifying our loan, that our home was sold. Litton up until then had been getting and requesting information as if they were working on it!

It is now May 15, 2011. I am still in the house and still haven't been notified as of yet that it is no longer ours. It is only a matter of time before we are homeless! Litton received funding to help keep people in their homes; the only one to benefit from it was Litton. We have had our home for 9 years and I feel that they should have done everything in their power to give us the help we needed to get back on our feet but they didn't. They are very unfair and do not care one bit about their customers. They have my phone number and my address. So, why wasn't I notified?! We are so distressed right now and cannot understand how they can get away with this! It is so unfair! I cannot pay them another $21000.00 this time to get it back. I need help!

Every time I call to talk to someone about my request for loan modification, I get the run around. I've faxed all the information they've requested, yet they keep saying they haven't received some of the documentations. I just called and apparently, someone new at Litton works on my case every month. When I call and leave voice mails for specific case workers, I don't ever get calls back.

I am very close to foreclosure, apparently, but when I call they give me varying foreclosure (sale) dates, two of which are in May 2011 (May 15th and May 23rd) and I haven't received any notice of foreclosure yet (it is now May 4th). For now we are ok, but if they come to our door to kick us out without any notice, then we'll be homeless. It would be nice to know what is going on, but like I said, I get the runaround every time I call and nobody calls me back. I have no idea what is going on with the foreclosure, or loan modification process.

I have a question. After many calls and 3 months of headaches and tears to Litton to get my modification processed, my loan was modified by $13,000 and my interest rate lowered to 4.3%. Later we received a 1099 for $13,000 as income earned. Was this legal? This put us in a higher income bracket and we owed $10,000. We were only able to pay our taxes through a payment plan. I'm confused. How did this help?

After several years, they ended up with my mortgage. They raised my payments claiming escrow was short(?). It was temporary. They have never lowered it back, and my Insurance was never raised, nor my taxes. They seem to have scammed me? I cannot get answers to calls. I learned that there are millions of complaints about them.

I fell behind on my payments due to financial loss wages and more. I got to a point where I needed help, went to a lawyer for help with modification with Litton. At first they offered me the modification, saying I did qualify (mind you, I was making payments regardless how behind I was). I was given a 3-month trial period and did everything right. They kept stating we didn't have all documents to resend, and then they returned all three checks I sent them making lawyers crazy. Finally, to say they denied me modification. We ended going to another lawyer. By now they've stopped accepting my payments totally. For over 8 months now, they keep saying they don't want to modify me because I make too much income. Now I'm so behind with foreclosure on hold by bank, which is very upsetting to me and my family. I have a sick mother. I have never wanted to lose my house. I've lived here for over 22 years. It's too hard on us. I don't see why Litton won't cut us a break. We are still pending. Is there anything that can be done? All hopes fail. I am very hard working mom and I really want another chance. I feel they did not work fair with me. They gave me the run-around, why?

I was being helped by NACA (Neighborhood Assisstance Corporation of America). They was trying to help get my home loan modified, and during this process Litton loans sent my home to auction on December 7, 2009, where it was immediately sold for $45,000 to a third party, who in return evicted me and my family and we became homeless. Loan # was **. Property address was **.

I lost my home for 5 years. As a result, me and my children lost most of our personal items, furniture, and clothing. I also lost my vehicle. Most importantly, I lost my privilege as a homeowner.

I started a loan modification process last week of February this year. It is true about the complaints from Litton in requesting the same paperwork. I have sent everything they requested the very first week I started the request. Litton sent me a letter a week later stating that my application was incomplete. I sent again the same requested paperwork and after being on the phone for more than 20 minutes. I asked the customer service rep. to review my paperwork. I was told everything was complete that I had to call in a week or two to follow up. 4 days later I received a phone call to tell me that I needed to send the same paperwork and a statement in writing of my answers to questions of my income tax return. I hope after all these questioning and resending paperwork, Litton gets the modification done.

Litton loan servicing has failed several times to timely post my payments to my account, causing late fees problems. Litton loan servicing has always refused to transfer my phone call to a supervisor or manager. I have never been late with any of my payments and always mailed about 10 days before due date.

On May 2009 billing statement appeared an illegitimate charge of $197.50 that Litton loan decided to add to my account. Almost 2 years later and that issued has not been resolved, supervisor or manager never returned any of my phone calls.

On October 2010 billing statement appeared an illegitimate charge of $2,829.29 amount that was added by Litton loan servicing without my knowledge making my monthly payment double. I have called more than 30 times and asked to speak to a supervisor or manager and the customer care department they always denied my request. Six months later those charges still appear on my monthly statement. I have not been able to resolve this problem because nobody from Litton loan customer care can explained why that amount was added to my account. I have left numerous messages for the supervisor or manager but they have never returned any of my phone calls. Every time I spoke to the customer care department they always asked me to send that late payment immediately or late fees and interest will be added.

On February 13, 2011 I mailed a written inquiry which was certified with a return receipt. I was very clear what I wrote, if they don't corrected those illegitimate charge I will needed to talk to my attorney and go to court, but I also sent the last 13 copies of my return checks from my bank. It shows that I have never been late with my payments.

But on March 2011, I did not received my billing statement so I called Litton loan immediately and I was told that I have changed my home address and will not received any more statements and for now on they can only talked to an attorney or I needed to hire one. I told Litton loan customer care that I have been living in the same house for the past 15 years and I did not moved or changed my home address and I did not have an attorney. Litton loan wants me to request my monthly statement in written because they cannot longer send one. Litton loan is refusing to send out my monthly statement.

Talking to the customer care which they are very rude and unwilling people is just a waste a time. I have spent countless hours trying to resolve this issue. As today April 05, 2011 I have not received a response from my inquiry neither my monthly statement.

Another problem, I have an escrow account for my property insurance and taxes, but every year Litton loan failed to make my house insurance on time. Every year the insurance company almost cancels my policy because of late payment. They do not sent the payment on time and I have called Litton loan many times and complaint about this problems but they done nothing. I'm sending my house mortgage monthly payment without the statement, but my bank is doing a directly payment to Litton loan servicing.

Litton was given an "interest-only" mortgage by Chase Bank which Litton refers to as cryptically only to their "investors". I sent duplicate copies of my records upon Litton's request, by mail and fax, over and over again. They were called many times over the course of several weeks before and after a notice of intent to foreclose was issued. No one in the Customer Service Department could or would pull up the account information despite me giving reasonable verification of who was calling.

On some of the calls, they claimed that the information given to them or requested by them for verification such as phone numbers, did not match their records and at other times they touted having no records on file whatsoever even if there is a system-based notes on previous calls. The operators were extremely aggressive, rude and all together inept. They evidenced having little to no experience and knowledge in the areas of account maintenance, their company's policies or customer service. When they didn't parrot the same simplistic, scripted lines over and over again, they only barked at me to pay or made sarcastic barbs. They could be heard laughing like hyenas. They sounded much more like a "fly-by-night" back room collections agency than the well-trained financial industry professionals I was accustomed to dealing with in Chase and GMAC. My attorneys who are appointed by a local NGO were only able to exert marginal influence when confronting them. Later, it was discovered that a large percentage, if not all of their then current "customer service" hires were Katrina victims and inmates from a work rehabilitation program. A large rash of identity thefts were linked back to Texas and Litton.

An open channel of communication came only after a motion to stay the foreclosure was filed on the basis that Litton had no proof of their rights to the account. They began a dialogue with my current attorney via email and records of all of Litton's emailed statements have been kept. They continued and continue to ask for copies of documents that were already sent to them. For 14 months, Litton held and continues to hold an uncashed check written by USAA to me which unfortunately lists them as a joint payee. The sum is between $8,000 and $9,000 and was intended to pay for repair of the severe storm damage done to my house by the Blizzard of 2010. Because of neglect, the house deteriorates at a rapid pace.

They forced a short sale a few months ago which thankfully, never materialized. They sent a real estate broker over to do a "BPO" (Broker Price Opinion) but would not engage a Certified Appraiser/Appraisal. The contract for the short sale contained a very strange clause which prohibits the resale of the house to a family member or another associate despite the associate's ability to pay, even on a cash sale. It was later discovered that Litton had published a guide for short sales which was placed on the website of a real estate association which dealt strictly with short sales. Access to Litton's report was available only to paying members. Unfortunately, the site was taken down shortly after discovery. Also, Litton continues to refuse PNC Bank's ample reverse mortgage offer after 2 years of negotiation. It covers the certified appraisal PNC issued, and would yield Litton approximately $290,000 in a lump sum. The original amount of sale was about $369,000. I have already paid $186,000 on my own toward the house, which includes a $93,000 down payment. Litton wants the house.

In addition to what is stated above, Litton has just now decided to release the funds of the check issued by USAA provided that the contractor consulted for the repairs, signs a waiver on a mechanic's line for the $2000+ difference in costs that arose out of more than a year's neglect of the house. This coincides with their sudden decision to send a Broker over again to do a BPO supposedly in the next few days. They want to short sale/sell the house even though an offer from PNC Bank for the reverse mortgage is still on the table and though lower than before, it would still likely yield them much more than the short sale at this point. There may be a consortium of investors that they've made arrangements with for exclusive access to their (Litton's) distressed properties.

Also, a year ago, when I gathered the documentation to do income taxes, I realized that Litton never sent any interest withholding statements for the years 2008 and 2009. Repeated requests over the months through my attorney for the said statements yielded nothing until 6 months passed.

I began the Loan Modification process with Litton Loan in October of 2010. I have made my mortgage payments on time; however, as these economic times become increasingly harsher I am finding it more and more difficult to make my mortgage payments. With recent hospital bills the month payments become even harder to maintain. I have provided Litton Loan Servicing with many copies of the required documentation (multiple copies of the exact forms within a month of each other). Litton continues to say my application is incomplete. I then provide new or additional information to them as requested. Another month goes by and they request the exact same paperwork I provided them the month prior. It is now the end of March, beginning of April (6 months) and still I am providing them with documentation I have already sent them many times. I am convinced they are dragging their feet so I'll give up, get frustrated, and quit the process. It takes less than a month for a new mortgage or even to buy a new house. They have a total lack of customer service. Each time I call to check on the modification, they act as if they are my customer and I should bend over backwards for them rather than vice versa. They have no concept of helping the customer. It's not like I want out of my mortgage. I am willing to pay it in full. I just need a reduced rate on month payment for the time being.

I have just received foreclosure papers today from a law firm representing Litton Loan Services. What I don't understand is why. In the last three weeks I have sent them $4000, but they only have accepted $2000. They have not cashed one of the checks I sent them. This problem with Litton Loan started when Popular sold my mortgage to them. We have owned this house for ten years and been with Litton for three of them and all of a sudden I am two months behind in my mortgage. This is so untrue. When you call to speak to a representative they tell me they received my payment but it is not for what I sent. So you argue and pass me to someone else who says yes we received that amount that you sent.

They just don't know what they are doing over there. They claim my escrow is negative balance of over $1000. How is this possible if I send my monthly payment plus escrow? I just don't know what to do anymore. I think it is time for the government to step in with this company because so many people are losing their home falsely because of Litton Loan. I have talked to someone who said he would help for the tune of $1200. It would be okay if I really could afford to pay this amount and if I really knew this would help resolve my problems.

I sent the following recently to every Litton executive for whom I could find an email address:

"In 2004, I bought a home; at the time I was making $700 a week, and while I struggled somewhat with the payment even from the onset, I got by. But unexpected bills led me to take out a second mortgage for the property for $40,000 in early 2007. The payments for the two mortgages combined were $12,10, but they were still manageable. Several things happened over the next couple years, however, that have strained my ability to pay those mortgages.

First and foremost was the loss of my long-time job; while I was fortunate to find another job in the same field within a week, the pay was $200 less weekly than I had been making previously. Also, I remarried, and because my wife's home was only 25 miles from work, as opposed to 50 miles from mine, we chose to live in her home, and rent mine out. At the time, I was hoping to be able to sell it within a couple years. But then, the real estate market crashed, and I found myself with negative equity on the property, and little hope in the foreseeable future of getting back above water on it.

These financial problems with the property were exacerbated by costly repairs that have arised and cut deeply into a once healthy savings account, including $6,000 for a new roof and $3,000 for a water filtration system. Additionally, one tenant did more than $2,000 in damages to the home, which I had to pay out of pocket.

In short, this property has been a steady drain on my finances, costing me thousands of dollars more than I have taken in. I have been able to keep payments up to date, but only by dipping time and again into savings. And one more major problem will probably tip me over the edge financially and probably force me to abandon the property, at which point everybody loses; a foreclosure or short sale with a deficiency judgment would lead me into bankruptcy and leave you folks tens of thousands of dollars short on what is owed. What I am trying to do instead is to take a proactive approach to ease the strain before it becomes unmanageable.

I would add that I am not asking for a reduction in principle at this time, although if one was granted, I certainly wouldn't say no. What I am asking for is a reduction in the interest rate to make the payments more manageable; hopefully that will solve my problem and enable me to continue to make payments.

In mid-January, I outlined my situation to both your company and GMAC, which holds that second mortgage; in less than a month, GMAC offered me a modification, which helps somewhat. But as for your company...I have sent the documents for a modification repeatedly, both via mail and fax. Sometimes it's this document missing; another time it's that one, another time the rep wants another document that was not asked for previously. After weeks of sending and resending I thought the problem was solved when I spoke with a rep,on 2/24, who assured me all the documentation was on hand and would be going to a processor for review. But then on Tuesday of this week I received a response to an email inquiry (which was sent just prior to when I spoke with that rep, on Feb. 23, 13 days to respond to an email? ) saying a document was still missing. I then got a call last night saying a different document was missing. Does anybody in your company have a clue what anybody else is doing? They apparently can't even keep their lies straight any more.

Quite frankly, your company has the worst and I mean the absolute worst customer service I have ever encountered. It's been more than two months, and all I am getting is what is an obvious runaround. I am asking for a fair shake and at the least to have my request reviewed in a timely manner. Is the idea to make the process so difficult that people give up? And if that's the case, how would Litton like it if I just gave up on my mortgage? " No answer yet, and I'm not holding my breath on getting one. These *** deserve to be driven out of business.

We had our Loan mortified as of Jan 2011 and we have made every payment that they required of us. In Jan 3, 2011, they said a certified check was returned. It was not. We not knowing anything about this continued to make monthly payments, so our payment that we made Jan 29, 2011 for Feb 2011 was applied to Jan 2011. Now they continue you say that we are behind a payment. Every payment that has been made is made by certified checks and I have all the receipts. They are now reporting us as being late every month to the credit agencies and they have now added over $3000.00 in service fees to our account.

To say that Litton loan is less than easy to deal with is a big understatement. We started dealing with Litton seven years ago when we started struggling due to the fact that my husband lost his job, and for a long time he was not eligible for unemployment benefits. We had tried to work it out with Litton; hoping that they can help us a little bit to stay on track, but they just kept making the situation worse from month to month. When we finally heard that we need to come up with $6,000 for them to even consider, we knew right then that any conversation is useless. We have had houses and mortgage companies before, and I have to say this one is the most unprofessional and dishonest. The people who works for Litton (with few exceptions) are rude and with no compassion whatsoever.

At that time we had no choice, but to go through bankruptcy. We wanted to save our home and we paid some of our obligations instead of wiping all off, so we declare chapter 13th (bankruptcy). We struggled for five years. Soon after declaring bankruptcy, we found out that the interest for our loan is not fixed. It is adjustable; soon the $1200 mortgage became $1600. We begged Litton to do the modification because it is very hard for us to pay $1600 for mortgage monthly on top of the $800 per month for bankruptcy payments, but we had no luck. We were not able to pay taxes (they were not escrowed at that time), so Litton every year bought out our real estate taxes. Nothing was done with the delinquent taxes until after the bankruptcy discharge. Fortunately, we made it to the end. We were even discharged a few months earlier. In May of 2010, we were better off financially; out of bankruptcy and ready to resume our lives that was put on hold due to the unforeseen events like losing a job.

Boy, were we wrong? Our lives are still on hold, thanks to Litton. The whole time we were in bankruptcy I felt so guilty going over the situation a million times, thinking what we could have done differently to avoid the situation we were in. Now on the other hand, I want to make it right and I want to stay on track, and I have the means to do it and guess what? We can't! Last July (two months after discharge), we called Litton to make a payment over the phone. The customer service wouldn't even give us a minute; they refused to talk to us since we are still in bankruptcy status. We were transferred to a higher department, where we were told that our account is under audit due to the fact that we have some past due fees. On top of that, money was in the forbearance account, but Litton has to make sure that the forbearance is legitimate.

I got the paper soon after telling us again about the audit. It stated that we should get the response from Litton about the results within 30 days. It is February of 2011, and I still don't have the results. We are still in bankruptcy status, and the customer service will not talk to us without transferring us to the bankruptcy department. BD stated that there is nothing that they can do because we need to talk to Litton; the file is closed on their end, and Litton is the one that should change the status. I am now even more depressed about the whole situation since we were trying so hard to stay on time and not to be late even one day, and for the first time in 18 months we are probably late on our mortgage due to Litton's mistake. I talked to BD on February 15th and they transfer me to very nice lady Mrs. **, from Dallas Texas office. She suggested I pay my basic mortgage; they will take the forbearance account and move the remaining balance to make the payment full.

Since that was I thought, she was the first person that I could talk to and she was very helpful with explanation, I wanted to talk to her every time I call. She told me that all I have to do is call and tell them to send the email and to provide a phone number where she could reach me. She also told me about the modification, and I requested the papers to be sent out to me. I called Litton on February 24th; of course, I can't in any way get in touch with Mrs. **. Again, I was transferred to the bankruptcy department. My payment was not applied at all. On the contrary, the minimum payment that I made was put into the forbearance account, and I am showing that I made no payment for February. BD is transferred me to the mitigation department where another lady put another request for the money to be taken out of forbearance account and applied as a February payment. I asked so many times if that is going to happen and if there is anything that may prevent for the transaction to take place. We were close to the month's end and I didn't want any problems and late charges, but most of all I didn't want to be late.

Each time I called, I spent at least an hour on the phone-- going from one department to another, hearing over and over at this time. Well, I came home from my work on Monday, February 28th, and there was a letter that my February payment was short of $800, and I was charged late fees. It meant that they took the minimum payment and applied it towards the February payment, but didn't make the full payment like requested. I called on March 1st and I told them that this is unacceptable. Of course, the first thing that I heard after they transferred me to the BD was, I am sorry, but at this time they didn't finish the audit, but they know that I own around $4,000 for legal fees from 2004, 2005, and 2006 where it was physically impossible because if you want to stay in bankruptcy, you need to be up to date, and if you fall behind with the regular payments and you're doing the extension and adding the past dues into the plan, it would be for the legal fees. How the hell we got discharged for being past due for $4,000, but at this time Litton is not available to give me any information due to an ongoing audit. By the way, did you know that if your grace period is until 15th and you call and make the payment over the phone (on that day) and you get the confirmation number, but Litton will pull the money in three days from your checking account. Do they have a right to charge you late fees?

I know it is very long story, but I feel like sharing with you guys. I don't remember being so depressed even when we were in bankruptcy, struggling and barely making both ends meet. I don't know where to go and what to do. We are going in circles, nobody will refinance our home because of the continuing status, and Litton will not help us at all. On the contrary, they're making situation worse. I don't know if it is even legal or not to keep somebody in bankruptcy status for almost a year after they have been discharged. I get it. We were late and we repaid everything. I get the fact that they bought our taxes and we now have to repay the taxes and the escrow for current taxes.That was established right after the discharge, so it didn't delay the process of an audit.

We paid our dues and we want start over and right now. We fell like we are in square one and there is no way out. I am not going to even start anything with the modification because I am scared that they will screw my mortgage even more, and I won't be able to ever repay. Modifications are for people like us; to help us stand on our two feet and start over. Where the money that Litton took was for that reason so they can help people? I see there is another class action starting in Tennessee. I am from Wisconsin, and I don't think we have any class action here. I sure love to see them forced to refinance our mortgage for the lowest interest possible, with no fees hidden, as reward for us for punitive damage and distress.

My husband and I just found out that the house we bought in 2001 and sold around 2004, which was payed off a $53,000 home loan to them, was reported to and on our credit as an outstanding loan which has ruined our credit. We sold the home and paid them the $53,000. We can't purchase a car because our credit is destroyed and we can't do anything.

I purchased my home in 2004. ARM to be exact. Since 2004, I have had litton loan. I never had any problems with them until 2010 and now. I required a surgery and had also three separate student loans as I don't qualify for any financial aid. My bills started to mount up and I ended up behind on my home payment. Until 2010 I had never made a late payment.

I had called to see what I could do. All they say is pay or you'll be charged a late fee. I asked about assistance or partial payment. And I quote " Litton does not accept partial payments because it would be a breach of contract". What kind of crap is that? They don't want to take my hard earned money? Who does not want to take your money. In 2010, I applied for modification.

They told me it was not approved because the economy didn't allow for my home to be worth anything. My realtor has given me the option to place my home on the market or short- sale but I refused. I kept to my payments and then fell even more behind in late 2010. My car was having problems with the transmission and some minor home repairs.

I called Litton again asking for help but nothing came to be. It is now March 1st and I am now waiting for my foreclosure paperwork. I was given the option to apply for modification again, but I highly doubt that getting approved is something that will not happen. I am frustrated because they didn't help. Have given me different stories and I am upset that they don't even want to take my hard earned money as a partial payment.

Other companies help. Why does this one suck so bad. On top of that, those late fees are ridiculous. I cannot find a loan with anyone because my credit that was once great is now ruined. I have no choice but to short-sale or just go through foreclosure.

In October 2005, we received a loan for $112,500 from New Century Mortgage Corporation. In March of 2007 when the New Jersey banking regulators barred New Century from doing business in the state, our mortgage was picked up by Saxon Mortgage Services.

On September 28th, 2007 we were approved for a loan modification by Saxon Mortgage Services that stated, that as of 11/01/2007 our Unpaid Principal Balance is $111,058.37 and that we should begin making our monthly payment of principal and interest the 1st. day of December 2007. In March of 2008, we received a Servicing Transfer Information Document from Litton Loan Servicing that stated: Effective April 01, 2008, please begin remitting your payment to Litton.

After making our April and May payments that was deposited into a lock box account of Litton, we were informed by Litton that we had not made our first two (2) months mortgage payments. Please note that we have not been late or missed a mortgage payment since before December 2007. During our inquiry, we were informed by Litton that our mortgage payment were used to pay an allege negative escrow balance to Saxon for insurance and taxes. In our letter to Litton June 30, 2008, we informed Litton that we never had an escrow attached to our mortgage loan payment. In Litton letter to us dated July 11, 2008, they mention that the loan is not escrowed for the payment of the property taxes or homeowners insurance premium.

July 28, 2008, we had a law firm write Litton to outlining our many concerns regarding our mortgage loan with Litton. Such as why did Litton use our mortgage payment to pay for flood insurance, when they had been giving a copy of the policy's declaration page proving we had the required coverage already? We had made four (4) mortgage payments and want to know where has the payments been apply and how is it that our mortgage balance with them is $117,984.91 when our loan modification agreement states that it's $111,058.37 (Original Loan was only for $112,500). We have been paying this loan for nearly three (3) years at this point.

We have requested the assistance of the New Jersey Real Estate Commission and New Jersey Department of Banking and Insurance Division of Banking/Consumer Service Bureau on August 4, 2008 and received to little to no help. Nothing has changed and we are now facing with a more difficult dilemma.

On August 11, 2008 I had a stroke and was not able to address these issue again until August 2010 at which time I requested the assistance of the senator of my district. On or about September 22, 2010, Saxon send us a check for $1,117.27, we requested a reason for this and to date have not received any. However it's the same amount that Litton give Saxon from our first two (2) mortgage payment.

Recently, I purchase the prepaid legal service and had them write Saxon Mortgage Services and Litton Home Servicing. In a letter October 4, 2010 the law firm requested the following:

We dispute the balance owed and all late fees. We dispute the adverse reporting made to credit agencies, reports of delinquency in our mortgage payment has been reported as delinquent every month since April 01, 2008. A full accounting is needed as to all monies that have been paid and furthermore assurances that corrections are made to any and all credit agencies. An explanation needs to be made with regards to why a $1,117.27 was returned by Saxon without any explanation

In a response letter dated October 22, 2010, Litton stated as followed: If the mortgagors are unable to make the payments established in the modification, we recommend you contact our Default Counseling Department, to discuss other options. We have not missed a mortgage payment in over 34 months. We recommend that you contact Saxon Mortgage to discuss the returned payment of $1,117.27. These are the funds taken from our mortgage payment that Litton gave to Saxon, they should have answer s to this matter too. The information we have submitted to these agencies is accurate and therefore we are unable to change the credit reporting. These reports are without merit. A Detail Transaction History will be sent under separate cover. We have not received this report as of yet.

On January 24, 2011, we notice that our January mortgage payment made 01/07/2011 had been returned. When I called to inquire and was giving just an 800 number to call. When called, an agent for Green Tree Mortgage was reached, who had less information in regards to our mortgage. However, she did say that they were now the servicer of our mortgage and that Litton should had forward that payment to them. I requested a Servicing Transfer Information Report, to which she said that one had been send to another address and not to the address of the mortgagor. We have not paid our mortgage payment for January, February or March. We have and have requested written proof and lender information before we can make payment to any one. As of March, all our mortgage payment will by place in a escrow account. My wife and I are in dire need of legal or other assistance now!

We had an adjustable-rate loan and it kept going up. We were and are still paying over 9 percent financing for a home that is not worth the amount. We asked them for a modification and it took over 9 months for the process to take place. Every time we would call and check on the process, we were told that it would lower our payments. We could never talk to the same person and were asked to send the same forms more than once. We then were send a package from Litton Loan congratulating us that we qualified for the modification and it raised our payment 200.00 a month, and still had a interest rate over 9 percent.

We called and told them we could not afford the payment before so how could we pay it now. We declined the modification of course. I asked for them to reconsider, help us and they did not. They said foreclosure action will take place. Now we are forced to short sale a home that we have been in over 12 yrs. They are going to sell our house at a bigger loss when it would be much easier for them to lower their rate and let us keep our house. Now I have bad credit and cannot get another loan.

I have read the complaints about Litton. I too had a similar payment increase issue with them. I sent documents and requested a modification several times, only for them to return with a new payment amount even higher. However, I chose to be smart and let an attorney handle it and they have been awesome. My foreclosure case has been dropped due to the bank not having proper documents. That was Aug of 2009 I still have yet to be served again. I want to pay my mortgage but Litton is not willing to work with us my adjusting our principle, interest, and/or payment amount. I chose the firm KEL attorneys in Florida. I must say they have been caring and helpful.

Even though Litton has given me the runarounds for a year and a half and previously stopped communicating with my attorney, I still am confident that the firm I chose is working onwards in the best interest of my family.

In 2008, Litton Loans bought my loan from my first lender, Chase Bank. My payments were current in 2008. From 2008 to 2009, my wife had surgical procedures done, and as a result, was out of work for approximately 9 months without pay. In 2009, I spoke to a customer service representative about my financial circumstances due to loss of income from my wife's surgery and I was informed that I may be eligible for a loan modification.

Litton Loan Services sent me the paperwork and they gave me a "trial loan modification" for $2,700 from my original payment of $2,090. LItton claimed that they lowered my mortgage interest to 4%, however, it did not reflect in my principal and interest. So, I declined the loan modification because it was too expensive. Since then, I've had multiple issues getting my questions answered. They have me owing exorbitant amounts of monies (their last calculation was $16,400). I make my monthly payments every month via telephone (electronic payments). Now in 2011, I cannot get a straight answer from a customer representative or supervisor (Ms. Monica) of Loss Litigations. My message went directly to voice mail.

I called Litton on February 22, 2011 in reference to the status of my loan modification and Aterica ** was rude. She was constantly talking over me and I could not ask any questions because she was going on and on. She informed me that I should write the questions down before asking her. She also stated that she could not transfer my call. I would have to hang up and call back in order to get another representative. And you call that customer service?

Since our loan was sold from Popular Mortgage to Litton, we have had nothing but trouble. They say we are a month behind from from years ago so they have added $50 a month late charges every month for over three years. But they cannot tell us what month we are behind. They said it has to be when we were with Popular. They said for the last four years, we have had no house insurance so they have added almost $4,000 to an escrow that we don't have. We have had continuous coverage with same insurance company for over 10 years. They can't find proof or any paperwork we were one week behind on taxes. We're just getting our income back to pay it and they added another year making it over $5,000. We have been trying to get the loan modified for over 6 months, have faxed paperwork five times and sent in mail twice. There is no evidence of any of our paperwork. They added another 900 to loan to pay for all the fees that they have added to our mortgage. We are angry and need help. If anyone knows any information on who we can call, please post info. Thank you. These people are crooks and need to be stopped.

I will try to nutshell this. I left my ex-husband; home mortgage was in my sole name. When I left, the home was past due, and I could not afford to keep it and didn't want to keep it. I then contacted Litton to discuss deed in lieu of or other alternatives. My ex-husband somehow negotiated a modification, increasing the loan balance and signed for it by his self. Although he was never on the mortgage, he was on the property. But that doesn't matter, as he was not on the loan.

After he modified the mortgage, I contacted Litton and told them I did not approve this. They said it was done and did not reverse it. I told them what they did was fraud--allowing someone else to modify a mortgage in my name without my signature or consent. I asked if the loan went into default, who would they go after? They said me, not my ex, and he would not be a part of it. He only modified the mortgage, because we were going through divorce and he is a game player, wanted the property listed as a debt he is paying, and more to it. So now the divorce is done, he has stopped paying for months now and finally moved out. And they are foreclosing--on me.

I attempted to do a short sale, but we owe taxes and the IRS would not follow through with the process without Litton agreeing to the short sale, which they refused to do. I have just been told by my agent that the house will go into foreclosure now, Litton did not cooperate from the beginning.

They modified a mortgage I did not want; I have docs with my ex's signature on them. They did not cooperate and steered me away from a deed in lieu of. My ex stopped making payments, as I forecast would happen after the divorce. They did not cooperate with the IRS or my agent to complete the sale (short sale). They (according to my agent) are now going to foreclose on the property.

Issues: I did not want the modification to complete, I did not want more money on my credit, I wanted a deed in lieu of, now the home is foreclosing which is worse than a short sale or a foreclosure, and I am in enough of a financial mess due to my ex and don't need this. All he did was destroy me financially and emotionally. And Litton played a big part in helping him do this.

I fell behind on my mortgage payment due to my husband being laid off and then my subsequent medical emergency in 2008. I contacted them to find out what could be done to put my account back in good standing or about a hardship modification. I filled out all the required paperwork and gathered all required documentation. I then faxed it all over to them. It was the beginning of February 2009 and I called to check the status of my modification. I was told that they were not processing any modifications until the president announced his plan for stopping foreclosures. By the time they had resumed the process, it was May of 2009 and I had to resubmit updated documents.

It took another 4 months to find out their decision. They were offering a trial payment modification, which I accepted and sent in the requested payment. However, a month later, the payment was never cashed. I contacted them again to inquire as to the problem, only to find out that my modification had been denied for missing documentation. I have since then attempted the process 3 more times and have been told that I was missing paperwork, missed documentation or that I was unresponsive to their requests or calls. Meanwhile, I would call upwards of 15 times a day to no avail; leaving messages and getting no response from them. I went to the extent of saying it was an emergency just to talk to someone. At this point, I am currently attempting to do a short sale on my property to avoid further damage to my credit. Even my realtor is getting confusing information from this company.

Litton Loan Servicing LP will not give us information about our loan modification process when we call in or put it in writing as they have requested. They are more than willing to take the house back but not willing to help us out. We lost our jobs and are only three months behind. So, we can still save our house if they would just answer us. Run away as fast as you can if you see the name Litton Loan Servicing LP. They are very unprofessional and talk down to you. They treat you like you are a piece of crap just because you are a couple of months behind. They act like they have never had any trouble in life. We didn't want to lose our jobs but we did. And now, we have jobs making 1/2 of what we did. We don't want to move our family to the streets. We have started to contact the Federal Trade Commission, Hud, and a lawyer. Don't become us. Run away from this company.

Litton bought my loan in 2007 and I experienced the late charge problem early on. I'm paying my loan on time but Litton does not process until a week after and charging late fees on a payment made online. I skipped a payment when I had to pay for a central air unit to be fixed. They offered a loan modification and sent me the paperwork. I sent the paperwork back in to them, twice, and each time they denied receiving it even though it didn't come back to me. Because they claim they didn't receive it, I was denied a modification. They told me I could pay extra money on my mortgage every month until I paid it off. I did that a couple of months until I realized they were still charging me late fees and other charges. I stopped and paid the remaining balance of everything in April. This amount still included more late fees and other charges.

In 2008 and 2009, I received an overage Escrow check because there was a surplus in my Escrow. In 2010, my Escrow went negative. When I received the notification, I called them and they said they would review it and the man I spoke to told me based on the payments and the past year that it was wrong and he would get with his supervisor to review it. By the time the supervisor had finished, I was even more negative by almost $1500. I contacted my mortgage officer and we called Litton together several times. After getting the run around, we finally talked to a rep that was able to track the Escrow month by month.

As of June 2010, my Escrow was over $900 and in July 2010, my Escrow was $0 with nothing on record of being paid out. The rep couldn't explain it and was supposed to call us back. He never did and when we called back, I was told my loan had been sold. So we called the new lender, of which bought 10,000 loans from Litton, and they have been bombarded with Litton stories of shady work done by them. They can't even help us now because they are waiting on Litton to download all their records to them. The new company is still waiting and truth be told, may never get them. How are you going to send something you don't have?

Because of this, I have incurred late fees charges, I was denied of modification paperwork, had negative Escrow, disappearing Escrow money, had no follow up, and mortgage went up to $200 due to Escrow miscalculations.

I have been paying modified loan payment to Litton Loan for over 1 year. I have made my payments on time. I have been told, pretty much on a monthly basis, that there was another document missing. They have taken so long that I have had to resend documentation multiple times. Even though I continually made the modified payments on time, they continued to add late fees and charges.

Now they have decided to not do the modification based on some bogus missing documents. The person that talks to you, this T.J. **, is not in underwriting. I doubt they even have an underwriting department. Now I am sure they are going to attempt to foreclose and I do not know what to do. I do not know who I can contact. I almost knew, when it took over a year to do the modification, that the company was going to try something sneaky like this. What can I do? I could end up losing my home based on their improper practices.

In January of 2009, I had to close down my financial advisory practice because of the recession and lack of income.

I immediately contacted Litton to talk to them about solutions to making my mortgage payments during this difficult season for my family. My wife was still working and we were cutting costs everywhere we could.

Litton said that until I stopped making mortgage payments, there was nothing they could do. Eventually, Litton referred us to Titanium Solutions to help with our loan modification.

Titanium was less than helpful and told us to send the customary bank statements, tax statements, and a copy of our family budget. After our request for modification was answered with a payment reduction of $71 per month, we had a feeling we were going to be in for a difficult process with Litton.

In March of 2009, we hired a local loan specialty group called Keep Your Home Nashville ($1,000 fee for their help) to help with the modification. They guaranteed that they would get our loan modified or we would get half of our fee back. We also have a HELOC, which Keep Your Home Nashville got modified in July 2009. It was through Southeast Financial Credit Union. Ironically, the credit union only needed us to submit the documents once and the process took 3 months. The repayment schedule was modified from a 10-year repayment to a 30-year repayment, and made permanent.

In July of 2009, Litton offered us a temporary modification. We submitted 4 payments, which were required for the trial modification to become permanent. We were notified by Litton on December 18, 2009 that the 4506-T form (which we submitted 3 other times prior to this) still had not been received and would be necessary in order for the modification to become permanent. We were on vacation with the family (working on my in-laws' rental property in another state) at the time and were unable to re-submit the 4506-T form, which was the 4th time we had submitted it to Litton.

In January of 2010, we were told that the modification wasn't made permanent because Litton didn't receive the necessary paperwork and because they didn't receive any of our temporary modification payments. We sent the payments registered mail and they were cashier's checks. We have only received one of the payments back from Litton and the other checks were cashed.

We were then told by Keep Your Home Nashville that we would now be on our own to get the loan modified through Litton, but the process should be easy because Litton would fast track our loan modification because we had already been through the process, and it would be easy to get a permanent modification.

Of course, this hasn't been the reality. We were told to submit additional paperwork in July of 2010 and then denied a modification based on "not meeting the guidelines provided by the investor".

We are currently trying to work through the modification process again. Litton has given us the runaround time and time again.

There are so many complaints out there about Litton Loan. Why is nothing being done about this company? I just received a letter that I am over $1,700 in the hole on my escrow. How is this possible? I make my payments every month and on some months, I send more, and I am 1.5 months behind in my mortgage? I have never had any problems with my mortgage until Litton bought my mortgage about 4 years ago.

Now, I am always late. I am never going to get caught up. I'm tired of fighting with this company. Something needs to be done with them. The other day, I received a letter for their permission to sell my house in a short sale. I'm not selling my house. They need to get their records fixed. I can't deal with this company anymore. I can't refinance because my credit is now all screwed up because of them. I'm at my wits end.

We applied for a loan modification in April 2009. At that time, we were 2 payments behind. I have had terminal breast cancer since April 2004. By April 2009, we had used all resources available to pay our bills. I reversed my life insurance, used any savings we had, which was not very much, tapped out parents, and there was nothing left to give. We sent the Hardship Affidavit to Litton in April 2009, along with all financial information requested. Litton refused to accept partial payments. We were told the modification would be decided within 30-60 days. I called every Friday to check on the modification. Litton would make excuses that they didn't have this or that, blah, blah, blah. I knew they had everything, because I am an attorney, but retired my status this year, because I have organic brain damage from whole brain radiation from brain mets in October 2007.

Litton held our documents until January 2010, and finally sent a loan modification under HAMP, which would allow us to keep our home, even upon my death. Prior to our modification request in 2009, our mortgage was at 4%, fixed for 30 years. The hemp modification was 2% fixed, and gave us incentives to make timely payments, by reducing the principal amount yearly. The hemp was $2,600.00, and included escrow for our taxes and homeowner's, which was not a condition of the original mortgage, but we wanted to escrow, so it was perfect.

My husband and I knelt down and cried. We made the payments per the 2% modification. In June 2010, Litton sent a letter stating after further review, even though they had our financial documents for nearly a year, that we didn't qualify for hemp, because our income was too high. They offered us a Litton loan modification for 4% fixed, added two months to our 30 year fixed mortgage, and added over $20,000 to our principal.

Our mortgage payments are know over $3,700.00 per month. I sent numerous letters. Our transaction history has not been available online for almost 2 years. We don't know where the payments we made are, and they charge us $20.00 per month for an assessor. This is **. We had to borrow from my husband's pension for our last payment. I am on SSD. I know they appraised our house in 2009 at $350,000-$375,000. Our principal, as far as I can tell, is $545,000. I want an attorney to call me about this. I am sick and dying. I want to save this house for my husband and my daughter. Please help us.

Litton added over $24,000 to our principal. I am a terminal cancer patient, and the stress from this prolonged from May 2009-present has caused me great stress. I relapsed in April 2010, with intra thoracic breast cancer mets. Before my relapse, Litton sent a letter, indicating that we did qualify for the government mortgage offered to us in January 2010.

I am facing foreclosure and requested a loan modification with Litton Loan servicing. This has been a never ending process of repeated letters requesting information I have faxed already. When I call, they say they will be making a decision soon. It has been months now and I have yet to receive a decision from them. If I don't qualify for loan modification, just say so. New Year is coming and I would like to know if I need to make plans to move. It's very frustrating and emotionally draining.

Litton paperwork shows that I owe over $900 in fees and they are holding $1800 in escrow. I don't have my taxes or insurance escrowed with them. They also content that I am 2 months late. My mortgage payment is $1699, how can they be holding $1800 and charging me late fees every month if they have that money sitting? So far, they have been sending me letters about them starting foreclosure process and a packet for modification.

I have been in modification with Litton since August 2009. They gave us a trial payment of over $1900. They were still using income that I no longer had. I had lost that income in May, 2009. Hence the reason for the modification. But that didn't stop them from including that in my monthly income. I sent in a letter 3 times stating that I no longer had the income they were counting, but they still included that money as a monthly salary. So I went to HUD and tried to get a hope modification loan. After sending the same paperwork, yet again they said we were approved at a payment of over $2000.00. In what part of their mind do they think that if I can't pay $1900, $2000 is better. They are frauds, screwing people out of their homes. For people looking to buy a home, you're better off renting than using Litton. Their employees are uneducated and should be prosecuted along with the "big Wigs" of Litton.

I need help. I have just received notice that I did not have an escrow account that I thought I had and now they are charging me twice the amount they paid for my property taxes. Had I known I didn't have an escrow account I would have paid them myself in full. My new payment with these people is going to be $1277.92 that was $772.41. I can't afford this increase. How can they charge me $4748.82 for taxes that are only $1317.34? It just don't make sense. If anybody out there can help me, please send me a note to **. This practice can't be legal. Where do I go from here? Someone please help. I don't want to lose my home.

Last December I filled out all paperwork sent by Litton to see if I qualified for the HAMP program. I had to re-fax the last page of the Hardship affidavit because they said it was not there, so now we were in January. In February they sent me a trial loan program, and reduce my payment from $1444 to $1083.00, but I was still waiting for approval.

The trial was for Feb, March, April and May and I did as I was told. In May, they took my mortgage payment of $1083.00 and dispersed it to the Feb/March and April deficit, and when I called they said I owed $1444 for May, which I had just paid. I did not get any type of denial, but after calling, they said as of 5/10/10 I was denied because I did not qualify for the HAMP, however if I send them all the paperwork again, they could approve me for a Custom Loan that they were offering.

In May, I had to send another payment, and all paperwork to them. This included 2 current pay stubs, current bank statements, 2008/2009 tax returns, a 4506-T form, a hardship affidavit, a letter from my employer verifying my income, all credit card bills, utility bills, pretty much everything you could think of. I called them every 2 weeks for over 1 year. Numerous times since then they would always say they were missing paperwork. Numerous times I have faxed and confirmed that they received it.

Finally in October, they sent a letter stating I was not eligible because they did not receive all paperwork, I argued with them to no avail. Then they faxed me someone else's W2 form with their name, social, address, income, and I called to tell them of their error. They are a collection agency also, and violated the Fair Debt Act by sending me someones private information. On 12/9/10 I confirmed that all info was on file and was told they were verifying my income, again.

On Friday 12/24/10, I received a letter from Litton, they sold my loan to another company Green Tree Servicing P.O.Box 94710 Palatine IL 60094. So I wasted 1 year trying to get help to lower my interest rates and they sold my mortgage! Now what the hell am I suppose to do? I would like to contact the person whose information I called and have them reported, but that does not help me out. I have struggled these past 2 years to keep up with all my debt, now I am at a loss. What do I do?

In Oct 2009, I was hospitalized for life threatening emergency and couldn't pay the Oct mortgage. I paid November barely, then became late again in December. In January I was contacted by Tim *** of Litton Loan; he stated that he wanted to help me with a loan modification, which we started. The first payment of 3 month trial was starting in March 2010. I paid every month early, got all necessary paperwork in that they required, but they kept coming back stating that they didn't receive this and that.

I find out in August that they did not approve me for a modification because they didn't receive a pay stub (which was faxed to them by my employer). They tacked on all kinds of charges up to $7000. I have been making my payments every month but they still charge me fee after fee, and even sent me an Act 91, intent to foreclose. Please help.

I was unemployed in 10/2010, initiated loan mod under HAMP same month. I submitted documents requested. They needed more. I submitted. They called saying, they can't find documents I submitted, so I re-submitted. They called again, needing more documents. I explained I had sent everything checked on the form. I was told "those are generic forms. " Now 60 days later, Litton reported me to a credit bureau.

Run, don't walk if Litton Loans buys your loan. I have been trying to get a deed in lieu for over a year and a half. Last Dec. All of a sudden the house was going to auction with no notice to me until 2 weeks before. I had sent in and done everything they asked. It didn't go to auction for some reason and then we had to start over because it had been too long.

Now, my realtor has all of the papers in again and we had to send another letter stating why we could not pay for the house because the 90 days ago when I sent one and we started this mess, that one was too old. I was told 4 months ago that the house was going to foreclosure, so we could not do a short sale. I asked for a supervisor and was denied until I found out who their lawyers were, called them and they had no notification our house was going to foreclosure. I email them every week and do not get answers. How much bail out money did this mortgage service get? Are they on the list of mortgage services that were not sending out letters?

My son has had his house with these people for 7 years, and have battled with them, and never got a modification, just was able to pay notes. Now, they sent him an escrow shortage of $11,000. How can that be? We all should bring a class action against Litton. Shut them down because what they are doing is criminal. Stay tuned for more info on this suit. It caused me emotional distress.

Litton Loan told me that they were going to put me in a repayment plan and after paying them for a year 300 dollars more a month that what my monthly payment was. They never posted that money anywhere, and I was told after a year of paying that I was still behind. They raise my mortgage from 1200 to 1700, I cant afford it.

I have tried working with the lender for over the past 22 months to modify the loan down from 9+%. I completed the paperwork with no luck then hired a company that promised they could save my home and do the paperwork. I hired an attorney but still no help. I have tried working with them again, submitting documents now over 5 times. Last notice was dated 12-9-2010, from Litton Loan, stating they needed more paperwork and there is no foreclosure sale will be conducted and I will not lose my home during this 30-day period of review. Yesterday, I went to the home only to find that they have changed the lock on the back door, posted signs on the sinks and toilets as property has been winterized and took my items on the counters.

I called the police and filed a report number ****. I have been calling Litton all day but there is no answer. I received a call from the contractor and that it was told by Litton to lock the home. MSI said Litton authorized them on December 8 to change the locks. Then I received a call from DMS stating that I called them about help with my loan? I explained that their number was on the winterized notice. Note the names listed First American Field Services **** and QHP or Qwest Home Preservation ****.

At FAFS, I was told that they changed their name to Cor Logic back in June. She checked the records and said they no longer work with Litton and yes, that is their paper but they are not working in my area. She said the company should not have been using their documents. I called QHP 4 times and they refused to give me any information but would have their manager call me back. He never called but a lady from MSI in Texas called. Now I have talked with 5 different companies associated with this so called winterization notice and there is only one correct name and number on it. Please stop all of these agencies! I can't believe that after all I and others have been through, I am still going through lenders trying to misuse me. This type of treatment is very disturbing that they break in my home, take my things then post notes for help sending me to another lender. Something must be done on behalf of consumers! I have contacted WA Attorney General's Office and the BBB.

In July of 2009, I requested a loan modification from Litton Loans in July 2009 through a loan modification specialist. Long story short, I had to send, re-send, and send again the same requested paperwork monthly or even weekly. This monotony went on for over a year until finally, I was denied the modification based on the fact that they did not receive all the documents they needed from me. So I started using another agent and started the short sale process. My agent had faxed in the initial package for a total of five times until they acknowledged that they received it.

The last time it was faxed, my agent was on the phone and waited until he received confirmation. There were two offers that came in. The first was rejected and the second was only $5,000 less than market value. We could not get an answer from Litton loans in regards to the second offer. Finally, four weeks later, my agent called again and was told that the short sale package was rejected. How can Litton Loans reject an offer if the package was not being accepted? This should have been made known to me or my agent from the beginning. I am now facing foreclosure or the option to submit another short sale package. I have been dealing with Litton Loans for almost a one and a half years and it has been a nightmare.

We had never been late on any of our mortgage payments, and had been put in a loan that was interest only and also had a soft second mortgage with it. We owned our home for 4 years, our combined mortgages with Litton Loan was around $1800 or more plus we paid taxes and insurance. We were struggling for years to make sure we made the payments on time. We called Litton Loan to ask about modifying our mortgage. They told us to fill out the paper work and get our pay stubs and tax info, and mail it in. We did and they at first said they were missing paper work so we kept resending it.

After several attempt, faxes, mailings, they said they received it. Then I got a letter in the mail saying that they didn't have everything. Then I received another letter about a week later saying they had all info. I called Litton throughout this whole process and they weren't helpful. Finally after months went by, I received a letter. I thought it was approved but instead, it was a denial letter. They said we were over income, we come to find out they made a mistake on the paper work and put our pay stubs as weekly pay stubs instead of bi-weekly pay stubs. So it looked like we made double what we actually made.

I called to have them fix it and they said they would fix it but about a week later, we received paperwork to start over again, all because they made a mistake. I spent months battling. But I still sent new paper work and had them lose it again, then to change their mind and say they actually received it. A month or so went by, then Litton was deducting to much from our bank accounts for the mortgage.

So we were double paying. They said they would credit us back, but they never did. We received over draft fees at one point after they completely depleted our accounts. I spoke to a supervisor who told me to fax info to him and he would take care of it but he never did. They also never allied our escrow payments. And our insurance payment bounced due to our account being over drawn. Litton said they would fix it, they never did, so the insurance on home was cancelled.

I have begged to have the mortgage lowered, my home is worth almost $100,000 less than what we owe. We just need help, and it's not fair. They take advantage of people. They said they couldn't help me because I haven't defaulted in my mortgage. Well, now I have, and they still haven't helped.

My mortgages (an 80/20 type) originally were with Countrywide. When Bank of America took them over, they gave one of my mortgages, the larger one, to Litton Loan. I was not notified of any of this. After several years of paying both places with no problems, I lost my job. After a few months, I called Litton in April 2010 to see about getting a modification. They said, I qualified except I was current on my payments. In order to get the modification Litton told me to go behind a couple months on my mortgage, so I did what they told me to do.

After waiting 8 weeks to get the mod papers, I called again and finally got the papers a month after that. I filled them out, sent them in and after a month got a letter from Litton saying they 'didn't have the authority to do the modification because they were not the investor of the loan, Countrywide was.' I promptly called Litton to find out what amount I needed to send in to bring my mortgage current - after numerous attempts to get someone on the phone I finally did and they said since I had filed bankruptcy during this time (July 2010) they couldn't talk to me but only with my lawyer (If I could have gotten someone prior to this time this would all be moot.) My lawyer made numerous attempts to get a hold of them and got the same runaround I did.

Then I started getting foreclosure notices from Litton. They even sent a letter to the bankruptcy court asking that it be waived, so they could start foreclosure proceedings. In the meantime, Litton also allegedly paid my property taxes to the tune of $12,000 and now wants that plus $5000+ to bring the mortgage current. Since I'm not working, I don't have that kind of money laying around. My lawyer suggests that I change from chapter 7 to 13, but that means adding a 5 year payment onto what I'm already paying now. The law dept for Litton says I need to talk to the loss mitigation dept to see if they'll do anything but that's what started this whole thing. I can't even find out who actually owns my loans anymore. Bank of America says they do, Litton says Countrywide does.

Frankly, no one except one person that I talked with at Litton seems to have any idea what they're doing or who owns what. And some of the people there are so nasty! They act like you're taking money from their own pockets. After reading all the horror stories in the news, I have to wonder if some companies are forcing foreclosures for some reason either to force people into modifications or worse. After 36 years of working, paying my bills on time, and having good credit, I now behind in my mortgage, had to file bankruptcy, and my credit stinks. All I ever wanted to do was bring my mortgage current and I couldn't get a hold of anyone at Litton to find out what that amount was.

I want to keep my house and I can make the payments, but only if Litton works with me to add these amounts back into the mortgage and recalculate my loan. They'll be making more on interest that way anyway. To think that our hard-earned tax dollars went to bail out companies like this and they won't work with we taxpayers pretty much stinks. I hope that I can get this straightened out and once my credit gets better, refinance the house into one mortgage and not with Litton.

This is the second time I'm submitting something here. The real reason is that after reading that this problem with Litton Loans is far worse than anyone can ever imagine. Our story started in 2008 and we requested a loan modification just like everyone else. After sending in endless documents, we were refused. Why you asked? We made too much money. What! Why would we ask for a modification if we made too much money? Well Litton advisors took the pay stubs that we submitted, added them the deposits on our bank statements and doubled my income. Don't you all wish you had that magic calculator? When one representative took a closer look and realized their mistake, we were told to send in yet again the same documentation to refile.

Well by July 2009, we had made every payment, defaulted on every other bill and still no modification. Go figure. So we got an attorney. We figured, why not? Litton stopped sending statements, locked website usage out, etc. Same story. By March of 2010, we finally had a modification. The paperwork was sent in to change our loan. We notarized and signed everything, rechecked and rechecked (we know their history) again and sent in the paperwork with their UPS envelope. We have signed delivery confirmation (also, I made copies of every single page that was sent, just in case). First monthly payment on our new modified loan was due by July 2010. Payments were made and sent in each month with a letter stating what it's for, blah, blah blah and each letter were sent with a delivery confirmation (copies made first, of course).

Now, it's November and things are fine. No calls, letters, etc. from Litton. Everything is fine on the lawyer's end. Then one day, the lawyer called and said "Did you ever send in the paperwork for your loan modification to Litton?" and we responded "of course we did". Well (you know the rest), Litton did not receive it. Eight months later, we have been sending payments since July and they have been cashing the payments, so where are they going? So the lawyer said that Litton will be sending the loan modification paperwork again in the next few days so read over it, sign it and send it back. Really? Today in the mail, we did not get any loan modification paperwork.

We got a certified letter from Litton that says "Notice of Default and Intent to Accelerate" and that we have 45 days to bring our account current or they will default the loan. Seriously, can somebody help us? This is ridiculous and stressful and just plain **. Like everyone, we don't know where to go from here. Any suggestions? Enjoy your holidays! Hopefully, amongst your family and friends you will find peace and harmony.

In 2009, my father-in-law applied for a loan modification through Litton Loan. It took them about nine months to get an answer from them. In the meantime, they would not accept any payments on the loan, lost paperwork several times or claimed they needed more info or didn't get it. His house was also put into foreclosure and was slapped with outrageous attorney fees. When he would try to call to let them know about his house, they kept telling him that everything was fine and to just wait until they contacted him.

About a month from foreclosure sale, my father-in-law contacted Litton Loan's foreclosure lawyer and told them what was going on. The foreclosure lawyers removed the house from the sheriff's auction but still charged him attorney fees even though the house was not supposed to go to foreclosure since he was in the middle of a loan modification. After all, he tried to pay the payments every month on time during the loan modification and Litton refused them. After he was denied, they had him put a big lump sum of money down and put him on a forbearance payment plan.

The contract stated for the next 22 months, he is to pay his regular house payment plus extra on the payments they did the forbearance on. Since then, he has been making the payments on time and/or early. In mid October 2010, my father-in-law paid the house payment early for November 2010. Two weeks ago, he started getting phone calls again from Litton saying he is four months behind on house payments, which he is not. After I talked with them (after many phone calls and leaving messages which no one from there has ever returned), I get them to recognize that he has been paying all payments.

But because he paid his November payment early, he was knocked off the forbearance plan and they put his house in immediate foreclosure. I talked with someone there this past Friday that told me they could put him back on forbearance plan but would cost him more money in their fees plus attorney fee. When I argued with her that this was not our fault the payment was made, she told me it was because we paid early! Nowhere in the contract does it state that he cannot make his house payment early!

I talked with someone today who has escalated the problem and is going to have his account audited and requested that all fees be dropped and put back on our original plan. We will see where this goes. I am to call them back in 48 hours. I searched the internet today to see if there were any lawsuits going on against Litton for this very thing. I see a lot of people are having the same issues.

My father-in-law is now looking to refinance through somewhere else and get away from the fraudulent dealings of Litton Loan. Ever since the stimulus money bailed these banks out, all they have done is aggressively attack home owners. He was not late on any payments before this. He retired and all he is receiving is Social Security so we advised him to try the loan modification to try to lower his house payment.

In talking with others after going through this process, we have since found that the banks are offering people $5000 to leave their homes and the government is paying the banks the difference between what the banks can sell your house for and what is still owed on the loan. It's a win win situation for the banks! Thought these loan modification programs were supposed to help the American people not the banks!

The representatives give inaccurate , inconsistent information on a regular basis and do not listen to their customers. One of their representatives actually laughed at my situation. They also told me they do not consider medical emergencies and expenses when reviewing a loan modification request. I was also told that I could not speak to the review center and these are the people who are affecting the outcome of my request.

Litton Loan Servicing, I am fed up! I will be brief with my complaint because after all I have read from other people, my complaint is only a repeat of what is seemingly an ongoing mess. I have been trying to get a loan modification since January 2010 and it's almost January again. I lost my job in December 2009 and asked for a modification. I sent in the fee of over a thousand dollars and paperwork requested; they cashed the check but lost the paperwork and then I sent in monthly payments thereafter for the next six months as requested. However, over and over paperwork was faxed and mailed, faxed and mailed faxed and mailed.

I was always told they either had everything or 30 days later that they needed some additional paperwork of which different representative always had a different story. I made it my job to do what they asked because I had no job and was adamant about following their directions to the "T" but to no avail. Here we are today, and still they are needing more paperwork because the old paperwork has expired and when talking to a representative, she had the nerve to get upset and said, "Well, it's obvious that you don't want to send in the documentation and receive a modification." And I told her its obvious that she was impatient and didn't want to help me to get an understanding. Nevertheless, I am sick & tired and tired & sick of Litton's Mess and boy what a mess it is!

I am having the same problem that every one else has. They really do not want to help you save your home. I have been trying to get my loan modified for over a year now. They keep saying that I have forgotten to send something or that there is one more document to sign or send in. This is my third attempt, this time, it was that we did not sign every sheet of information that we sent in. This was never even mentioned before. Why does this company get away with this? Is it legal? They are being told to help but they just continue to help themselves.

Wow! All I needed to do was read the first complaint about Litton on this website before I chose to submit a complaint as well. It is exactly what we've been experiencing. We submitted a loan modification application back in April 2010 and continue to be "run around" by requests for docs repeatedly. "We can't read the last part, we didn't receive the docs, don't mail in because it prolongs the process, continue to fax, why do yo need to speak to a supervisor" is all we hear.

Communication about needed docs is very "suspect". We were told that it's our responsibility to call in weekly to check on any needed docs (and there's always docs that they need. We've sent in pay stubs at least three times with a different reason why we needed to re-send. When asked why, they don't send out correspondence requesting new docs. They stated, they service too many loans for that. When asked why they don't leave a message when they call our contact number we were told that their automated system will only wait a few seconds before it hangs up.

So, if your greeting is over (I think they said 5 seconds or more) then it leaves an empty message. So, we are only informed about needed docs when we call. At one point, we were told that we didn't qualify for the loan mod because "necessary docs. weren't submitted". However, if a customer isn't informed how can necessary documents be submitted.

Ironically, we did receive a live person on a message today requesting a phone call that included an extension but when you call the loss litigation team are extremely defensive and rude and at times, will question why you need to speak to a supervisor. When I finally found someone very responsive and helpful I'm unable to continue the relationship because "it's a call center" and you get who you get.

I've kept all of my dates when I've faxed something and extensive notes.

We were told that we were in the final stage of the loan mod (income verification stage) process about two months ago but now they can't "read" my pay stubs. They haven't changed since September because I'm salaried, but for some reason Litton continues to ask for the "most recent" over and over again.

I turned in all documents that were requested and they say, they do not have those, which is untrue. I talked to a representative Natalie and informed her that I was on a trial period for my modification and she informed me that those payments do not count. It's just money gone. I have been through their modification for over a year. I had to seek help from NACA to prevent from losing my house. They are not trying to work with me at all. The lady said, I should get a roommate or rent some rooms out until I can play catch up. Due to the economy my hours were cut and I was trying to play catch up on some bills when I picked up more hours.

I have been trying to do a loan modification with Litton Loans for almost a year. They sent me to so called loan modifications but they really aren't. All they have done is add an escrow account. My interest rate is at 7.95% and it's an adjustable rate. I then went to an attorney and Litton Loans has offered the same so called modification.

I owe almost $150,000 on the home which is now worth $100,000 at most. They will not lower the rate or will not do anything to help me out. They do their calculations on what I make before taxes. That is what I don't understand cause I have federal, state, social security, and medicare deductions like everyone else. I'm ready to do a short sale cause they are not willing to help.

Litton Loan offered a loan mod and then after letting us pay a reduction for a few months and telling us to send in repetitive paperwork, which they claim they didn't get, charged late charges and tact on the difference in reduced payment and the original payment and added fees they couldn't explain and refused to modify the loan even thought we were in compliance with their requirements. This company is a scam artist and should be indicted on fraud charges.

I read the other complaints and just knew that there had to be more than just me having the same problem with Litton Loan Servicing. It started with a missed payment supposedly. By not getting monthly statements with transaction history and previous activity, we never knew of this problem. We checked our bank register and we may have missed it by accident, one payment in 7 or 8 years. But, they never notified us of the error. We found out by accident like 10 or 12 months later, times monthly late fees for almost a year. Sweet huh!

I became disabled around that time and, it was becoming hard to meet our payment obligation and, make up the missed payment plus, penalty fees! That was really low life to not let a good customer of many years know of the mistake, just to make extra money on fees. So, then we tried working with them on a loan mod. First, we sent everything that they requested to their office. No problems occurred. They said that we qualified for a loan mod. This took quite few months though. Then, they referred us to an office in Georgia.

This is when the problems really started. We sent everything they requested off a checklist. No chance for a missed article or order because of the checklist. First, months went by with no contact from these people. So, I called; they said it was working. Months go by again with no contact. So, I call again; the receptionist said that papers were not sent as requested and that the person handling the case had sent a notice to that effect. Why didn't they call and notify us? They had our phone number. Or did they lose that to? Ha! Ha!

No notice was ever received by us. I call them back and said to forget it, that I will try to find a local person to assist me. Later we receive a letter from the attorney in Georgia that we did not qualify for a loan mod. Isn't that funny we qualified at Litton but, now we don't because of them losing paperwork. But I fired them why would they tell me now that we do not qualify?

So, now I have a local company referred by HUDs' website. The company is called El Centro. Karim ****** said he contacted Litton with our authorization to act on our behalf for a loan modification. He also, said that they will not return his calls and that something with the loan which I don't remember. This is too much; this has been going on for a year now and there's been no help, just runaround and terrible, terrible headaches. So, now we are trying a short sale just to get clear of this **. It is about to put me in the nut house! I have never ever seen such a lack of professionalism in my entire life and, I am 55 and have dealt with a lot of people! I want to do something legally if I can. It is not right to treat people like this. Not in America. Not in America. Now, we received a letter from the city stating that we had not paid property taxes for 2008 & 2009.

I called Litton and after acting like a fool, I got to talk with a person in the tax department. They said that the city tax was not paid out of escrow, just county tax and insurance. All of my life back to 1970s', the escrow covered all of my taxes and insurance. It did before 2008. Now we are being stuck with this. We just don't have anything left. Our savings are down to $500 ;I am on disability. There just isn't anything left. All we wanted was a mod of something like $200 less on our payment and something fair done about the late fees but it didn't happen. They did not even try. They are wrong as sin. They are evil people. My mind is absolutely destroyed because of their action. I think about suicide a lot now because I can't cope anymore because of this. I need to up my meds more. I think because they aren't working enough.

I have been trying to obtain a loan modification from Litton Loan Servicing for well over a year now. The first time out of the gate, they turned me down stating I made too much money. I was working part time and had received a substantial cut in my income when my hours were cut and collecting a partial unemployment. When I called to have them explain how I could be making too much money, they said that I could re-apply. The first process took months, but because it seemed I did qualify under the same conditions, I did re-apply. This is when they started the nonsense of saying they did not receive certain documents, the documentation wasn't complete, or that they needed additional information sent.

I did play the game for a while resending all the information, constantly calling, repeatedly being told that now they needed more information or that I needed to redo certain information again, or just that the paperwork had now expired and I had to restart the process. This has been going on for months. Finally, I was told several times by several different representatives that all was "complete" and I should have an answer in 30 days. During that thirty days, I received more documents to sign, still no answer after completion and more phone calls saying everything was complete.

Now they tell me there is no time limit. They don't have to give me an answer in any certain time! I have sent letters to them stating that they have made this an "impossible" process and grieving all my frustrations and wasted time. Today, I was asked if I sent the letters to the right fax number, there's a separate fax number to reach customer service. Unbelievable!

For the hours I've spent on the phone, filling out documentation over and over again, and only to no avail, I would be only too happy to be part of any class action against this company!

My wife and I bought our home in 2006, right at the peak of the market. We were worried about the interest rate because it was high and we were first time home buyers. We were told we could refinance after about 6 months for a lower interest rate. We were never able to refinance because the banks told us the same thing, there is no equity in this area.

We had never missed a payment and before you know it our loan was sold to Litton Loan Servicing of which we were never notified. We tried paid our mortgage to Equity One, Popular Mortgage and they accepted it. Then we get a call from Litton saying they were our servicing company and that we were late because we didn't make the payment to them.

Again, we were never notified they were our servicing company. So, we accumulated late charges right there which we refused to pay. We applied 6 times for home loan modification but was denied every single time for various reasons. Now, I get a call from a minimum wage Litton employee telling me that I haven't paid my mortgage since Feb 09.

I asked them if they knew they weren't going to approve us for the home loan mod why did they continuously offer it to us. Their response, you didn't have to continuously apply for it. I stated to them that they just dangle that loan mod package in our faces like carrots in front of a donkey, knowing they won't approve it and get us with the interest rates. I told them I can't pay 15k back interest and that I am having trouble paying the mortgage payment I have now.

They told me that is my problem and I need to find a way. I told them they can just have the house then. Listen, I live in Strasburg, VA and there is no equity here. So, they might sell it but my mortgage is for 297,500.00, they will probably sell it for 50k. Not to mention my tax assessment is only 214k. So if they want it they can have it. And while I am at it, to ** with our Government Officials. They have set us all up for the fall. Making it easy for the bankers, giving them our tax payers dollars. Whatever happened to by the people for the people. Refuse to Vote and we will see what happens.

After a year of sending the same documents many, many times for supposedly a loan modification that the government was offering, they sent us numerous letters stating that we had not sent them. They ended sending us a letter letting us know that they were starting the foreclosure procedure. We ended up loosing our property which I, as a disabled individual, used to call home. I think someone should look into this because if you will do a search, there are many, many people that have lost their homes to these delinquent individuals!

The house had been paid in full since March 1996. Litton Mortgage attached their name to the title in 2003.They changed from INC to LLP in 2003.My father passed away in 2007 and willed his house to me. I'm also executor of his estate and power of attorney.

I tried to sell his house in 2007 and again in 2010, and I could not sell since Litton refused to remove their name off the title. I called Litton and they have no information on this property or doing business with my father (by looking his SS number).They told me they will not remove their name from title. I ask why and they told me it is their company policy.

I talked to Litton's attorney and they have no information on this property. The attorney also refused to remove Litton's name from the title. Litton's attorney told me to get an attorney and file a quiet title action. I tried to find an attorney and they want between 10-25 thousand dollars retainer fee and it will take between 6 months to a year to settle. I do not have the money to do this! Litton Mortgage has no vested interest in the property!

Because of Litton's actions, they have caused me and my family financial distress by forcing me to pay over 3 years of property taxes since 2007 (sewer taxes). The property value dropped. The ground up is keeping get replaced (125 feet of sidewalk and tree removal). Now for an attorney! I don't know what to do?

We have turned in an insurance claim into our mortgage which also had our insurance. They sent an adjuster out here; he took pictures and wrote up a bunch of stuff. They would not give us a copy of anything he wrote up. He also told me that I needed to call a special engineer. I did; he came out and said this was the worst that he had ever seen. Okay, he explained that we have a bad foundation problem that is causing our brick to fall off our home and our carport is falling in where it is next to the house where the weight of the brick is causing it to wash away. He said to fix the foundation and to fix it to the way it needs to be, will cost 30 to 35 thousand dollars, not including another 9 to 10 thousand to take the brick off and and re-lay the brick.

Also it would be another 6 thousand to redo our all our concrete work. That is almost fifty thousand dollars and we gave 109 thousand for it. When we bought the house, there were no signs of any damage. Our appraisal stated no physical damage to the home and our inspection would not have showed anything either. The insurance denied the claim and it is our responsibility something was going on with home when we purchased it. Is there anything we can do?

I have tried for the last five months to get a loan modification. I'm a 74-year old disabled Veteran and my wife takes care of me. My daughter who lives with us is on deed and pays half the mortgage. Recently, Litton Loans raised our mortgage and we can no longer pay. I have tried to give them all the information needed for this process and all they do is lie to me and say they never received any paperwork. I call and they disconnect me.

I'm a very sick and know I am not healthy enough to make a move. We have lived in this house for five years. This is the home that I want to live my last days in. We can no longer afford the mortgage and Litton has now after three months put us in foreclosure and yet they offer no help to lower my payments, so we can stay in our home. What do I do? Can anyone help?

Litton loan servicing gave me loan modification back in November of 2009 and told me in paperwork that my new payment was due in March 2010. I have bills showing whether they mailed me saying my first payment was not due until March 2010. I made the first payment at the end of February 2010 for the March payment in order to be early and then when I received the April payment there was a $3,000 increase in my bill wherein they said they did an audit on my account and they made a mistake and should have charged me an additional $3,000 for the modification. I have spoken to numerous customer services reps and wrote several letters and none of them can explain my additional charges of $3,000.

My mortgage is $1056 and now I am having to pay an extra $300 monthly trying to payback money wherein I don't know why I am charged and they have no clue as to why I am charged this money if you call. I have receipts of my bills showing the increase in my bill with no explanation. In addition, they have been sending me stressful intent to foreclose letters every month. I have not been late on my payment since making the March payment but I am being harassed for this extra money which is causing me to be close to falling behind. I am barely making it because of this increase money they are requiring me to make. Please help or give me some direction or recourse that I can use to make these people pay attention to their mistake on my account.

Our payments are not late until 16th on the month. We sent the payment out for July via telephone and forgotten to add the service charge of sixteen dollars. Being out of state, it was short. When we returned to the state on the 9th of Aug., I repaid the bill via phone correctly. After contacting the company and receiving absolutely no help, we have never been late, they added this payment as thirty days late on my credit report. What's up with these people? Currently, I am in the process of contacting the State AG and any help on this matter will be greatly appreciated.

My name is Melissa and I am an attorney taking on a bankruptcy case where the homeowners were suddenly facing foreclosure after signing a loan modification with this company. I have been reading the comments on this page and find many similarities with the case I am dealing with now. Some of you have mentioned filing a class action suit. Has anyone started one? Please call my office at 626 432-7227. Also, if there are any bankruptcy attorneys out there, I could use your help! Please call. Thanks.

Last year I lost my job and applied for a loan modification with Litton Loan Servicing. After many months of going back and forth with them submitting and resubmitting paperwork, they offered me a trial program. I made all the payments on time during the trial period and then was told that I didn't make enough money for them to lower my payment and that I had to become current and make up the money that they told me not to pay which amounted to several thousand dollars before the next billing cycle.

After that mess was cleared up, I put the thought of modification on hold. I reapplied for a modification with Litton in July of 2010. I sent in all of the documents that they asked for. When I called to follow up, they said they didn't receive some of them, so I sent them again. When I called to follow up again they said they weren't filled out right. I sat on the phone with a loan counselor who instructed me how to fix the problem and fill out the forms properly.

When I called to follow up again, they said they didn't have some of my documents again and that too much time has passed and that I need to start over. In addition, there is a new form that needs to be filled out that they said they mailed to me over a week ago, but I still haven't received it. The bottom line here is that I'm going on four months and falling behind on my mortgage and all of my efforts to get help are being denied or delayed in a manner that seems to be intentional. It seems to me that they are taking advantage of people who have little or no resources to fight back. I don't know where to turn.

We started the modification process with Litton Loan in January of 2009. We sent all of the documents they needed. They kept going back and forth with us saying that it would be approved shortly. Our sale date was pushed back two times while they claimed to be working on this. In June of 2009, when we called to check the status of the modification (on the day they had given us), they informed us that our house was sold at foreclosure two days prior.

On September of 2009, I received a loan mod trial package. I made all three payments on time. At the end of the trial, they said I was denied because I never sent in the year-to-date profit and loss statement. I hired an attorney to stop the sale and he helped me get a "second" trial. I made my 3rd trial payment on October 1st, 2010. I just received a letter from my attorney stating that my case was closed and Litton stated that the third payment was not complete to cover my mortgage. That does not make sense. So now, I don't know what to do. After the "Second" trial, I thought I was going in the right direction, apparently not. Now I face foreclosure.

Help! I have been trying to get Litton Loan Servicing to work with me since 2007 (they were PMI at the time). I'm self-employed. I was doing very well until mid-2006 when work in my field slowed down. PMI (later Litton) would never even return my calls. I tried to get help through a foreclosure prevention company. They took my money and never did anything to help me. I had to file bankruptcy proceedings a year ago. I was finally able to get Litton to send me an application modification package because their bankruptcy department intervened on my behalf. This was in February of this year 2010. My bankruptcy attorney submitted a modification package to them in March. I kept checking with Litton to make sure they had everything they needed and I was always assured and reassured that they had everything and that they would make a decision within 30 to 60 days at first, then it turned to 90 days, and then 6 months (180 days) and still no response.

Finally, in September they contacted my attorney and again requested another application package be submitted. This takes a lot of time and aggravation, but I put another updated package together, made sure the package was complete and included all signed forms and tax returns, etc. My attorney and his secretary also checked and made sure everything was included in the package and made copies of the whole thing. Everything was sent via FedEx to Litton. A day after I submitted the package, I called and spoke to a gentleman by the name of Keiko ** with Litton and he said he had the whole package sitting in front of him, that they needed 30 days to review the package. Two weeks later I called and Mr. Keiko ** then told me some forms were missing (he didn't say what) and that he'd submitted the request for same to my attorney.

My attorney received the request a week later, not right away, mind you. My attorney then resubmitted the very same exact forms right away. But now Litton has refused to speak to me and I don't know whether they will now claim that they need other items or not. They've told me they will only speak to my attorney. As you know, attorneys don't have time to be following up on items every single day. So it'll probably be another 30 days before I hear that they need another phantom form or whatever else they can fabricate.

I am still sending them what little money I'm able to when I'm able to. Still, all told, I am almost 90 days in arrears. I am borrowing money from my daughter to at least send another partial payment. I want to keep my house because in this area it'll cost me more money to rent anyway. I have several big jobs coming up if they don't cancel. I'm hoping and praying Litton will let me know if they are actually working to modify my loan or if this is just another wild-goose chase they're putting me through again. I am sitting here wondering if you could intervene on my behalf and check to see if Litton Loan Servicing is actually going to help me or not. Help!

We purchased our home in 2003 through a mortgage broker. We were told that we would be getting a 30-year fixed rate mortgage at 7.5%. But of course, at closing, the terms had been changed. To make a long story short, we accepted the adjustable rate mortgage they pushed at us. The bank that approved us was HSBC, which is part of Litton Loan Corp., so Litton immediately became the "servicer" of our loan. We didn't have any problems with Litton until the mortgage adjusted to the maximum rate and our monthly payment went from $900 to $2000, and we could no longer afford it. After years of forbearance agreements and thousands of dollars in late fees, our original loan of $128K swelled to $150K. And the amount to "save" our home from foreclosure was at $25K, which we could not come up with.

I got the usual runaround with everyone I talked to at Litton. I could never talk to the same person twice and often I could not understand them due to their accent or inability to speak English. Out of sheer frustration and hopelessness, I happened to come across a post from someone else who was about to lose their home to Litton. They listed the email addresses of all the top executives with the company. I sent them all emails detailing my situation and my desire to have my loan modified to terms that I could handle each month.

I didn't expect a miracle but I was desperate and was willing to try anything. I did not hear back from any of them for 2 weeks, so I emailed them over and over again, every day. Finally after about 30 days, I received an email from Sean ** (**) who is/was on the Executive Resolution Team. He stated that he was instructed by Mr. Litton himself to assist me in modifying my mortgage. It was a long drawn out process and I won't bore you with all the details. But in Jan. 2010, my loan was modified to 2% (adjustable to a max. of 5% over 5 years).

The point here is to not give up! There are people at Litton who can and will help you, but you will have to be very persistent. Just a side note: If you have no verifiable means to make your home payment after modification, meaning you don't have a job or your payment after modification will still be way too high for your income, then you need to be prepared for a "no". They obviously deal with thousands of people in trouble and have to focus on the ones that can be saved. If you are too far gone, then the best thing to do is get out from under your home now and move on. Here are some of the email addresses at Litton that you can write to: **, llitton@litton.C-BASS.com, **, **, **. Good Luck!

I received a call from Litton stating that I owe my monthly mortgage which is automatically taken out of my checking account. They said my account was going to be delinquent after the money was posted to their account on Columbus Day. I had to spend thirty minutes of my time to figure out what was going on and spoke to Miss Dixon who had no idea why someone contacted me yesterday. She was not apologetic at all for the inconvenience. This company is awful!

They are refusing to modify my mortgage. All the paper work is in and I paid on time. I never missed a payment at all.

We have had so many bogus charges with Litton loan that it made us 2 months in the hole because the money we sent was used to pay bogus charges and they said we were 2 1/5 months behind due to our problems. They sent a man to take pictures of our house. They were trying to take our house. They will not talk to my wife because they say the social security number is wrong. Now my wife has been making payments to these people for the last several years! Now they will not talk to her. We have a lot of equity in our house and I think that they want my house and are doing everything in there power to give us a hard time. No one at Litton Loan can explain the bogus charges that they have hit us with.

I asked for a loan modification due to divorce last year. After 7 months, I got the modification. I asked for the modification because my income has been cut in half and I really needed much lower payment. I felt forced into accepting their terms to keep my house out of foreclosure because I was informed they did not participate in the home affordable mortgage program. I lost half of my monthly income and they took my payment down less than $200 per month. I tried to make the payments but this is not working for me. I am so stressed out and the payments are too high.

I just saw all of the information on your site for Litton Loan. I had no idea that other people have experienced these types of practices. My story is similar, if not the same. I have been trying to work with them for help since Nov. 2008. First off they have my name incorrect since day one of buying my loan. I have been trying to correct since day one and have been told that I cannot fix my name on the account. They bought my loan from Suntrust. I am currently working on my 4th mod. Each time they say paperwork is missing, case closed, denied, you name it, they said it. I wasn't even notified or sent information for modification on 2 of the request they said that the paperwork request to even send to me was pending.

To my surprise, was told they were closed out due to no paperwork submitted. I filed for bankruptcy protection in July 2009 after several failed attempts. My mortgage was increased without me being notified. They received a relief from stay in April of 2010. All my statements show no updated records of payments. Was told their system doesn't do that. I can go on and on with so much more. I just figured it was just me having the problem. I see where they made decision to halt some foreclosures.

I guess I am writing to find out if you have been able to help the other consumers? My home is currently in foreclosure status. I am applying for yet another loan mod, have to resend paperwork. Of course this is because my other mod was not approved. Their practices was so bizarre. My bankruptcy attorneys said they had never seen a business do what they had done. However there was nothing that could be done.

Surprisingly, I received a call from them today about my mod that I needed to send additional forms. I explained that was not what the form I was asked for. I was told that they didn't send me a new form and I was looking at the email. Was told if I didn't have papers in by tomorrow, my house was being sold. Explained that I had to get access to the additional forms since they just called to ask for them and I was out of town working. so I was told they couldn't stop sale of my home. I have done everything they have asked for. I would like to know what if any steps have been taken from the other complaints.

After a few spates with unemployment, I contacted Litton Loan to attempt a loan modification. I was told by the agent I spoke to that I was eligible for the program. Then I received a letter in the mail stating I did not qualify. I followed up with Neighbor-to-Neighbor, a nonprofit organization that works with people in my situation to avoid foreclosure. Over the speakerphone, an agent told the woman I was meeting with that it made more business sense to foreclose on me because I had equity in the home. They refused to work with me or consider any options to try and save the home. By this time, I was employed again, but that didn't seem to make a difference to them.

I had to put my home on the market and sell it as quickly as I could. I communicated with Litton Loan and told them my intentions and they sent the house to foreclosure anyway. I got an offer on my house two days after putting it on the market and informed them of the closing date. They told me to call the attorney who was now handling the case. I called the attorney who told me I wasn't their client and Litton Loan was. And they really couldn't talk to me. So I called Litton back and they once again referred me to the attorney. I closed on my house in less than 60 days.

The payout to Litton Loan was $2000 more than the initial mortgage. They claim that the nearly $30,000 that had been paid toward the balance was eaten up in legal fees. This company refused to work with me and took a good chunk of the equity I had earned over the course of having mortgage with them. By the way, this is the home I lived in with my husband who died of cancer two years after we married.

Litton has been trying to take my home from me since they bought it from another lender 4 years ago. I faced hardships of the worst kind, and I stayed in contact with them faithfully about my situation. Last year-2009, I was working with a guy there by the name of Anthony ** about getting my loan refinanced and modified. Every day we talked and he assured me that everything was going fine. It was not! Next thing you know I received a foreclosure notice from a sheriff's office from Litton. I freaked out!

The very next day, Litton sent me a letter from the modification office stating that my modification was still pending! I called Litton and they said after an hour on the phone that I had been declined on the modification! And they said that I would have to speak to the attorney office of Litton to save my home! I agreed to pay $1300 a month on a repayment plan. And after a year, I would be able to renegotiate my loan, and they would show my credit report as current and positive. That didn't happen.

They are holding my credit at their disposal so I can't get an equity loan or refinance to pay them off! I have a finance company manager that spoke to the attorney directly and they assured her also that my report would show current and in good standing! What a bunch of liars! I have $50000 worth of equity in my home. But I can't touch it because Litton wants my house so bad. These are just a couple of the things that they have done to me and my family.

We are just another one of Litton Loan's victims. I tried to modify my loan because they had me stop making payments on the loan for a couple of months--which we did. We just assumed that they are the bank so they should know what they are talking about, right? Then, we were in default. We started by paying $1,450 then it went up to $1,800. We were not able to make those payments because we had a first and a second for a total of $2,400. I had some people move in with me so they can help with high payments. Litton Loan put me on a trial loan for six months and my children were excited that they were not going to lose their home according to the bank.

But then, after that, they said that they were not able to help me and that it would be better if we put the house up for sale as a short sale. We agreed to do so after four months--but later on, they kicked us out of the house. They were always really rude to me when I called. Now, we have nowhere to go. We did not even get enough time to get ourselves ready for the move out. They could have at least send us a letter of sale date. My kids are very sad because this is where they grew up. I am not happy with the way they handled stuff. I didn't even get a call from my realtor; instead, I got a call from a strange guy informing us that the house had been sold. He was offering us $2,000 and told us that we only had two weeks to get out. Now, who can prepare themselves that fast mentally?

I am a disabled single mother on a fixed income. I purchased a home in August of 2005, and the mortgage was through Countrywide. The first payment was due in November of 2005, but Countrywide sold the mortgage to Litton Loan who then said my payment was due in August, the day of settlement. I have paid for 57 months and was never late on my payments. They claim back taxes since 2004 where I didn't even own a home then, so they raised my mortgage from 505 a month to 1500 a month, which I cannot clearly afford on a fixed income. Also, the taxes were already paid by Pennsylvania housing, but Litton Loan is still charging me for it. Now they are foreclosing my home. This is not fair or legal. Please help me, they will not work with me in any way instead just transfer me from one person to another. The mental stress alone is killing me, not to mention my daughter and I will be homeless with 2 service dogs.

I have had a constant battle with Litton Loan since they took over my loan in 2004. The current problem is that after several months of asking for detailed statements on my account, they still will not provide this information only a receipt of payment. This concerns me because they are notorious for receiving payments late and after six months of battles with them I have yet to receive a detailed statement on my account. I was making online payments and they cut me off from that service and phone payments as well, forcing me to make only manual payments. They will not allow me any access to my account information.

In September of 2004, we bought our house using an interest-only loan that had to be refinanced within three years. We decided to be proactive and refinance after two years. We originally refinanced with a company of our choosing, only later did we find out that our loan had been sold to Litton. We were current on our loan until my husband lost his job and was out of work for three or four months. Of course by then we were starting to fall behind because he was major income in household.

However, we tried to maintain. He then got a job and was there almost nine months before that business, due to economy, closed its doors and again he was out of a job for four-five months. This was the hit that really took us under financially.

We have been trying to work with this company since then. No matter who we talk to, (we are never able to get the same person twice), there was never the right information, missing information, never received the faxes (even though I had fax confirmations). They do not return phone calls ever. Not sure who to turn to anymore or what to do. We have received phone calls regarding payments late, so while on phone my husband tried to get someone to help us figure this out, only to be put on hold or transferred, and no one ever got online to try to help or explain what needed to be done. We have spent numerous hours on the phone, faxing, and trying to resolve this matter.

We love our home and would like to keep it. However, we are like lots of other people that have had their financial lives devastated by the downturn in the economy, and are in need of help. How can you resolve the matter if they won't even return your phone calls? Looking for help.

After dealing with Litton Loan due to foreclosure notice for a reason I still don't know, I have spent a year and a half before finally giving up. I called Litton in May 2009 as my wife was unemployed and asking for a modification. I was current at that time or so I was led to believe. The answer came back as no. I make too much money to qualify.

Ok. I went back to planning to cut expenses in other areas as I was still current with house payments of $1600 a month. Well, in October of 2009, I get a notice on my door that our house was going to get auctioned December 24 and Litton returned my house payment for the first time. I called Litton and believe it or not, I actually talked to someone (this will not be a reoccurring theme). They said I was behind $15,000 that needed to be paid now. I asked why I'm behind and they said I needed to request it in writing.

I did and that got me now where so I called HUD and asked for help; they gave me a number to a 3rd party that could help. Well, it was HUD—I trusted them (never again). So for $4000 they took my paper work and said there's no problem and we could qualify for a modification and they would stop the auction. Well, I get a notice that the auction is postponed till January 15, 2010. So I thought all was going good. My HUD recommended company even called me on Friday (auction was next Monday) to tell me to sleep well and they wanted to make sure I was ok and not to stressed out because all would be fine.

That's about the best thing I bought for $40000 because on Monday morning, they called and said all negotiations broke down and I should declare bankruptcy to save the house. Yes, this was a real option 3 hours before auction; so I called Litton Loans again and asked for a solution. The man this time (and the last time I ever spoke to Litton about possible ways to save the house) said if I paid them $3000 today and split the difference over 12 months of payments, it could be done.

Well, my wife and I said ok, thinking we could refinance through another company. Well, my credit was already ruined and that didn't happen. We maid 4 payments of $2600 a month. I make take home of $3400 a month. My oldest is in collage. My wife took a part-time job, not making enough to take taxes out. So our savings went quick. The 5th month we came to the conclusion we are on a loosing deal and for some reason I can't get ahold of anyone from Litton Loans.

Enough is enough. We decided it's over, let's move. Low and behold, we get a call from Litton Loans two days after not making the payment. It was a nice person telling me they are foreclosing due to my non-payment as I was already in collections and they where trying to do me a favor. I ask if I could talk to a manager and he said won't help you non cause we won't loose much on you as my house was worth in todays market $130,000 and I owed $129,000. So I wasn't upside down and it would not hurt them, just me. Actually, this was the nicest guy I talked to from Litton. Today's foreclosures are going around $100,000 in my area.

I give up. I'm outta here. Then a guy shows up and says he is not with Litton but there are now new Obama programs that can help us out. I said how much do you want. He said nothing. I said ok, I will call them. And I did. Now when I call they say, "The number you called from is recognized, please wait while we transfer you to your account rep." So I thought, great. Well, I get a voice mail saying, "Hi, I am Donald ***." I don't want to use his name as they likely will sue me. He said will get back to us within 72 hours, so we left one of many messages.

I talked to the 3rd party rep again. He asked if I talked to Litton Loans. I said no and he asked why. I said they won't answer. He then tried to three-way us to someone and got the same message I did. Said he would check into it for me. I said thanks.

I got a call from Litton every day, but it was just dead air. I waited, and then the phone goes dead. An hour later, I get a call that say's a Litton Loan officer has tried to contact you, please take time out of your busy day to call us. (Hah). One day I get the call, so I do my usual answer and wait. But, wow, someone is talking to me and she sounded shocked that I answered.

Never heard from anyone again. Even the dead air calls have stopped after that. So house goes to auction on 10-08-2010. We have rented a very nice house and we will lick our wounds for the time being. And yes, my oldest daughter is doing well at college and will continue now that I decided to leave this sinking ship.

This caused health and emotional distress. All my savings are gone. But nothing matters to me than this company gets stopped. It's a virus that does nothing but preys on people. They must be stopped. That's my only hope.

I was badly injured in an auto accident, and became disabled. I contacted Litton Loan servicing immediately, to advise them my income would be greatly reduced, and I would be unable to meet the mortgage payments. I had used all my savings and other resources, to try and keep up but due to the lengthy time it takes to get disability, I had no income for 2 years.

I placed the property on the market, but the real estate market had taken a dive at the time, and I could not sell it. I asked if I could do a Deed in Lieu of Foreclosure, to avoid becoming delinquent. I was told I had to try a loan modification, which I knew I would not be approved for, due to my lack of income. Over and over again I requested the Deed in Lieu be granted to avoid the cost of attorneys. I mean, why wouldn't they want to save the costs of foreclosure by a voluntary Deed in Lieu.

Well I jumped through all the hoops they put up, and they continued with the foreclosure process. Luckily, in NY, they have a court that will order a conference to work out a way to save your home. I went to the conference and explained my circumstances to the judge, and he could not believe that for the same outcome, possession of the property, Litton was dragging their feet in approving the Deed in Lieu.

Litton finally approved me, several days after the court appearance. I was told the foreclosure attorneys would send me the documents. I waited for over a month and contacted Litton. I was told the attorneys had sent them. I had moved from the premises, and the house is now vacant. The papers were delivered by FedEx to a vacant house, and left in the basement door. We finally found them. Enclosed in the packet, was an affidavit I was to execute, and have notarized, which stated that in return for the executed deed, I was released from all debts, charges, fees, attorneys fee, or obligations relating to this loan, and they would clear my record.

I executed the documents on May 19, 2010, and sent them through FedEx to Litton's attorneys. They received them onn may 27, 2010. I waited for the satisfaction/ discharge of mortgage, and in June, when I did not receive it, I contacted Litton. I was told they did not know the deed had been executed and received by the attorneys. The attorney's office was holding the documents, awaiting the funds to pay the transfer taxes, and failed to notify Litton. So finally, 2 months later, the deed was filed. The problem should have been solved.

The mortgage still remains filed on the property I no longer own. Litton keeps reporting to the credit agencies that I am a collections account, forfeited a deed, and still in default for $55,319, and have the remaining balance owned for the full mortgage. I have spent months trying to get this matter straightened out. Litton has told me they are not going to change any information, until they sell the property.

This is totally in breach of the agreement I signed with them. If I had known they would not honor their obligations in the agreement, I would have asked the judge who dismissed the foreclosure action, to issue a discharge of mortgage in his order. So now, I am at my wit's end, my credit reports are inaccurate, and according to the county records, I still have a mortgage with Litton Loan servicing. I have made a formal complaint with the NYS Banking Dept. I have read all of the complaints other people have posted regarding Litton Loan Servicing. Why can't someone do something to bring them in compliance with the law? I lost all the equity I had in the house, my credit is totally ruined, I have suffered so much stress, which exacerbates the symptoms of my injuries.

We were out of the state and made a mortgage payment for July over the telephone on 15 July, it is overdue 16 July. It was $11 short (because of the telephone charges) and discovered this upon our return 9 Aug. At that time, we made July and August's payment over the telephone. Litton service agent (I did not get the name) told me it had not gone on my credit report as of yet. This "late" payment was added to my credit report and will hold-up refinancing.

Litton Loan servicing I feel has done nothing but jerk me around and waste a lot of my time with their so called Mortgage modification program. For about one year I have been dealing with Litton Loan trying to make my loan more affordable. My wife and I are self employed and I have been paying on our first home for about 5 years now. We would like to stay in our home, but Litton does not seem to want the same thing. Our mortgage was sold to this terrible company. We did not choose them as our lender.

My credit score is not the best and I feel that Litton Loan is taking advantage of that fact. First, Litton put me on a three month trial that turned into a seven month trial, I was paying more than usual during this trial period because they required escrow payment. I just could not afford to pay more to Litton while I was still paying my land tax and insurance out of my pocket. I keep making the payment after the seven months but did not include the escrow, Litton then denied my modification because I did not send my escrow in with the payment, even though I was past the three month trial. So then they put me on another loan modification program that they denied me after four or five months stating they did not receive all the paper work they asked for.

That is not right because I sent all the information they requested, at least three times. I mailed it, and faxed it all to the address they gave me and to the number they gave me. After they denied me for that loan modification, they said I owed for a missed payment. I was made to pay over the phone 935.00, I explained that their records must be wrong, but they said I must pay the missed payment or they will report it to the credit scoring company. So I paid and then requested a detailed payment history two months ago, I still have not received it. It seems Litton puts on the front that they want to help families stay in their homes, but it's been my experience in dealing with Litton Loan that they do not care if me, my wife or our 7 year old son lives on the street or not. Litton just keeps on jerking us around instead of just modifying the loan.

Our house is worth half of what it was when I bought it, but to me and my family this is our home and we would like to stay. But if Litton Loan is not willing to work with people, I guess we will have to go homeless and walk away from our home and then put our hands out for welfare. I am about to give up trying so hard to make the payments, it's too much emotional and physical stress on the family.

Delinquent property taxes were paid to Orange County Florida Tax by my mortgage lender (Litton Loans) and they have now added a $300 amount to my mortgage payment without my consent or agreement. They informed me that if I do not pay the full amount with this escrow included they will notify the credit reporting agencies that I am delinquent even though I am willing and will pay my monthly mortgage payment in full without the escrow. I do not think they have the authority or right to do this. My credit rating will be impacted negatively and I will be unable to buy a home for my family as we are in contract right.

My son bought a house in Baton Rouge 5 years ago with a local bank. 9 months later the bank mortgage was bought by another bank who, in turn, sold mortgage to Litton. Litton contacted my son by mail of a change of mortgage holder and that charges of payments, payment due dates and insurance terms had changed as of 6 months prior, that he was now in arrears of payments, and payments would be sent back to him and since insurance on house had not been for Litton, Litton had purchased their own for this home, which put him farther into debt with them.

The insurance had been paid up to date with no notice of any changes by the insurance company, the two banks or Litton. After this, my son has been battling with Litton. The false allegations, the lies, the mean spiritless in which Litton personnel corresponds and talks with us is disgusting! The "hemp" just fell through with Litton's Carmen ** saying we didn't provide a form 4506-T or the personal taxes (this was faxed and also mailed via FedEx overnight on time). Then, I talked with Litton's Justin ** who stated Litton would "try" to get us a private loan restructured privately by Litton where we will have to submit the same papers at $45.00 to be faxed to Litton to start this. All this time, he's been paying a modified loan plan each month. This month, Litton showed they declined the last 2 payments just like they did before with the payments.

Mr. Justin ** further stated while this is going on, the foreclosure action will be processing and whichever one got completed first would be the action Litton would take. I asked what to do and I was transferred to another Litton employee who told me we could pay $31,921.54 immediately and Litton considered a combination of past due house notes, insurance and late fees, escrow fees plus other expenses. I told him we didn't have the money, so he replied I needed to get a foreclosure sale date. I then asked him for this, but he gave me Litton's attorney's firm phone number but not their name or address. So I get this (225)** and call. The receptionist would not give her name but finally gave me the law firm's name: Butler & Hosch PA. She wouldn't give me the physical address but gave me a mailing address of P.O. Box 628206, Orlando, Fl 32862. I told her she had a Baton Rouge number as 225 is the area code for BR but she then got mad and hung up.

I got on the net and found Butler & Holch PA, 2600 Citiplace, CT #175, Baton Rouge, LA 70808-2719 and that Suzanne ** (lawyer with Butler & Holch PA) is the registered agent for Litton.What's going to happen to us? I'm asking all of you to e mail me at ** with a situation involving Litton. I've read a lot of similar stories this week on blogs. With your permission, I'll find andhonest lawyer (if there's one left) who is capable of fighting Litton for us.This caused anguish. I sent money to Litton for bogus claims that we may never recoup. There are threats of being thrown out of a home for my son, his wife and their kids. We embarrassed, not knowing what to do about these monsters or where to turn for help!

I have been trying to secure a loan modification for over a year. I was very clear that in the beginning, all I wanted was a rate reduction. My interest rate was almost 7% and we could not afford the payment! Initially, I tried myself using the website and providing the information that Litton required. I would get them everything that they needed and they always would come up with another statement, or tax form or something that I forgot to submit, which of course I submitted already. After months and months and months of this, they eventually had everything that they needed. At that point, every time that I would call in, they would say call back in 30 days nothing else. Just call back in 30 days. How many times can they say that? Well after about 1 year of being able to only make my negative amortization payment (which isn't even legal anymore, right?) They finally denied me for my loan mod, because I was on time with payments! What?

Then I resubmitted many times. Every time being denied for a different reason. They told me over the phone and through letters that I had been denied for these reasons: 1) Making too much money, 2) making not enough money, 3) the house being worth too much, 4) the house being under value .. and my very favorite reason: 5) OTHER. Also, just getting someone at Litton to even ANSWER the phone is quite a feat! Most of the time (after waiting on hold for 20 minutes) you are routed to a voicemail box, that is full and then hangs up on you! Very professional!

Having been totally fed up with this process. My husband and I got a loan modification company to try and help us. They submitted our mod package under every modification program available. After a year and being denied with literally every program we knew we were coming to the end of our time frame for being able to get the modification. We were over 16k behind in mortgage payments and had finally been served the notice of default letter. At this point we decided to try and do a short sale. We priced our house well and had offers within a week.

Our loan modification guys helped us and we submitted a short sale package to Litton. You would think that this process would be easier, but it is just as impossible as the modification. After months and months, we finally got someone who had the short sale package assigned to them (and luckily still had a buyer at this point). Just getting any questions answered was impossible, talking to anyone was impossible, the whole process was truly a stressful horrible process. Anyway after more months of dealing with the short sale negotiator, we finally got our short sale approved. We were ecstatic that they finally approved it, before buyer(s) had bailed on us.

We got our short sale approval 8/11/2010. They gave us a close date deadline of 9/13/2010. After we finally had the approval on our first mortgage, I was trying to get information on our second mortgage (with a diff company, B of A) and the status of that short sale approval. Come to find out, the 2nd mortgage company had either lost (or never gotten) their short sale package! We had to do a new submission on the 2nd loan. We pushed it as fast as we could, calling every day trying to get things moving.

Anyone that has dealt with a short sale, knows that no amount of calling really does any good. They just give you the run around and tell you to wait until its assigned, wait until its valued, wait until approved. Lots of waiting. Anyway, it was getting close to our deadline of 9/13, and we still didn't have the approval on the 2nd! We asked Litton for a 30 day extension on the COE date. They needed some paperwork showing that B of A was actively reviewing the file. I got them copies of the equator.com website showing it was under review, and info of the name of the assigned negotiator, and told them that the appraisal had been done last week, so we should have an approval within a week from B of A.

That was last week. Monday 9/20/2010. I get a phone call from my real estate agent, saying that my house was already foreclosed on! I of course didn't believe the person that called her so I call a bunch of people and sure enough, my house is under REO Status. It's bank owned. They took my house without a phone call, an email, a piece of paper! Now normally when Litton had anything to say to us (notice of default, prior sale date, anything) they would send at least 10-20 copies of letters, 10 certified, 10 regular mail, Lots and lots of papers. They didn't send anything. I had an approved short sale that went a week over their insane deadline after we have waited on them for years, and they take our house away from us without even a call!

I am so furious at them! Of course the agents who have worked for months on this sale lose their commissions, and our buyer is devastated as well, and we have a foreclosure on our record and all for what? Because Litton wouldn't even tell us that they weren't going to give us a 30 day extension, they just foreclosed on it. Luckily we were already planning on moving since our short sale was going to close in less than a month. This is mainly to serve as a warning to anyone that is dealing with Litton on a short sale. They will foreclose on you without warning! And the worst part is that after that, there is nothing you can do about it!

I received my loan modification on the end of May. Not 30 days later, Litton is trying to increase my loan payment to catch up my shortage in escrow. No escrow account existed before the end of May and yes, they did make a couple of payments for me but not $1100.00. They know there is an error but until I receive a corrected statement, I can't pay the arrears. For a bank, they don't seem to be able to even get their math right. Now, the October payment is due with the inaccurate amount due as well.

I was talked into doing a home loan modification and put into the process for over a year. I was unable to go back to paying full payments and my credit has been destroyed from 700s to as low as possible. We just want the process over so we can build our credit once again. We want to know what is going on. Our credit is so destroyed that we are unable to refinance. We are unable to buy my husband a vehicle that we truly need for work purposes. We are in fear of losing our house. We do not want a hand out - we just wanted some time for 2 months. Now we need the help because of the process they put us through.

I am trying to get my loan modified. They already did it once and then they rescinded it. They keep asking me for documents I already submitted to them in the past. They just got millions of dollars from the US Govt. to do these modifications but they are corrupt and foul. I am about to lose my home because of it too. They have harassed me to death as well as also awarding me a loan modification and then they took it back and now are charging me an extra 100 dollars a month. Somebody need to get to them fast before they destroy everyone and their credit too.

I had made my phone payment on time, last July 31. The payment was not 30 days late till August 1st, but still Litton loan services made a negative report to the credit bureau that was totally uncalled for, and I am disputing this issue. This has affected my credit report in a devastating way, which will affect my other loans.

I have PMI insurance on my loan. When the loan was taken out in 11/06, they indicated that after one year I could request that it be removed. After one year, the request was made but was told LTV had to be 80% and that I had to pay on the loan for two years. When the LTV finally hit 80% and I had paid on the loan for two years (no late payments ever I would like to point out), I requested that PMI be removed again. They indicated that an appraisal was needed.

When I read the law, it was my impression that once the LTV reached 78% that the cancellation would be automatic. I confirmed this with the lender over the phone because I did not want to make a big principal payment if PMI was not going to be removed. They confirmed the 78% would result in an "automatic" cancellation of PMI, so I made a substantial principal payment which brought the LTV to 77%. Again, PMI is still being collected.

When I contacted them, they said I had to request this in writing (didn't seem "automatic" to me if I had to request it). I requested it in writing and they indicated today (9/2) that a letter was sent out 8/26 indicating that I had to be at 75% LTV, and pay on the loan for five years and have an appraisal. When I made reference to the law, they didn't seem to care and indicated that I had to continue paying PMI. Am I interpreting the law correctly? What legal recourse do I have? This just doesn't seem right! I do not believe that Litton Loan Servicing should be above Federal law.

My loan was sold in a bundle almost three years after I purchased it in 1998. I had paid timely, yet months after Litton Loan took over, they stated I was behind. The reps were rude and abusive. I eventually filed Chapter 13 when a friend discovered that my home was listed for auction in the newspaper. That was in December 2004 - my protection is now gone this year. I'm a single parent, SSI disabled, trying to survive on a little over $1,000 per month. They have been claiming I'm two months behind since November 2009.

Due to the financial meltdown in 2008 and 2009, I've been dealing with increased hardships. I'm now the only one with income (SSI) in my home. When I contacted Litton about a modification in February 2010, it took till late March 2010 to get a packet. I sent everything in that was listed in April 2010, and have received constant requests for the same and more documentation. Even after papers are sent, I was faxed repeatedly. I get letters asking for the same documents. Last July 27 was a deadline given. I got papers faxed to them on July 26, which an agent verified were received. But I was told they denied my HAMP anyway.

Then a letter came the same day, July 28, that said I had till August 2010 to get the same paperwork sent in. I went to 1st Home Augusta for help since Promised Land, who I had tried to work with since May 2010, had no success. This new agent has been trying to help. We contacted Litton in her office together, and I gave verbal permission, and she faxed my paperwork, including permission for her to work on my behalf. The agent said since I had the August 2010 letter, they should reopen the modification.

I recently got a letter saying she wasn't authorized, that they still claimed I had not sent in the same documents that were sent in at least eight times now, and that since the documents weren't received on July 27, they denied my HAMP. They said if I needed help or modification due to hardship, please contact them. They have already increased my payment amount since requesting a modification, claiming that my escrow account was underfunded. This has just increased my financial hardship, so that I can barely cover my utilities.

I'm still paying near 50% of my income on my mortgage; my health is suffering from the stress and frustration. We are behind on our utilities, we're scrapping metal, have sold whatever we could sell just to keep the utilities on and pay the mortgage each month. Thankfully, I've food stamps, but even so, we're careful and ration everything. Others have made payments on the utilities so they don't get cut off. I don't know who pays; I just get told when I call in that a payment has been made. I'm grateful for the help and wish I could thank them. But it doesn't solve the situation.

Litton is destroying lives, hope, and health of so many people. Someone needs to shine the spotlight on what they are doing. These business practices are wrong and borderline criminal. They have so many lawsuits against them, and I don't understand how they can remain in business. If I don't get some real legal intervention, I don't know what will happen to my family. But if they want to get paid, the lawyers need to go after the billion-dollar company Goldman Sachs who contracts and I believe owns Litton. This company is hurting people. We need a way to do something about it.

After numerous attempts over several weeks, we are unable to make contact with this organization to rectify a problem with a real estate loan. We have also tried e-mail, but they only shuffle us through a wide assortment of representatives who are unable to answer our questions or solve our problems. We had a buyer for the property in question, but due to their unresponsiveness the buyer "walked." Now, this organization is threatening foreclosure, but, still, no one will talk to us. How in the world can you negotiate or even work out a settlement when no one wants to talk to you? Yet, they claim that customer service is their #1 priority? Something is definitely amiss.

In 2008 I applied for a loan modification. They put me on a three-month trial payment plan and kept telling me I didn't have all the paperwork when I did. Nobody seemed to know what anybody else was doing around there. It became very frustrating. I remained on the three-month trial payment plan for a year and a half. At the beginning of August 2010, I received a letter stating I didn't qualify for the ham modification, but I did qualify for another modification and my new payment would be $1066.00.They moved my late payments to the end of the mortgage and lowered my interest a quarter of a point. My new payment is $50.00 more than what my original payment was and I now owe them an extra $4000.00.

Yeah, they modified my loan alright. Strung me along for a year and a half and tacked all the money I wasn't paying because of the trial payments to the end of my loan. Oh, and to top it all off, my loan was sold to Litton from Ameriquest, who is in a class action lawsuit and a previous mortgage I had gotten through them is in one of those classes. Instead of going to Wall Street and the banks, the bailout money should have went to the homeowners to pay off their homes and then the banks would still have gotten their money. I am very disappointed. The result is I'm farther in debt than I was when I applied for the modification.

Popular Mortgage Inc. owned our notes prior to Litton. Our second mortgage was forgiven by PMSI in Aug. 2008. Tax season 2009 1099c's arrived. August of 2009 Litton claims to have purchased the loan. From August 2009 until May 2010, I sent dozens of requests for answers, proofs of debt, and cries for help. Litton played games, talked in circles, and even made comments that showed just how uneducated they are in letters sent to us. They chose collection on a bad debt over helping a customer and correcting a problem.

By May, I was sick of it all and contacted my state banking comm. They investigated and informed Litton the loan is in violation of state and federal laws. Litton responded on June 2010 by agreeing to cease all collection and remove lien on property. It is now August 2010, the most recent collection letter is dated 8/13/2010, most recent phone call was tonight at 8:42pm (This was after we sent them a "do not call" request back in April) and lien is still on deed. The phone support in this company is a joke.

There is no level of customer commitment, just a level of profit and margin. My stress level is thru the roof, my hypertension has spun out of control from mild to advanced so my medications had to be changed. They have violated our rights numerous times under the Fair Credit Reporting Act. There have been fraudulent reports to our credit reports, as well as continued collection after claiming to cease.

My wife and my self fell behind on our mortgage. We repeatedly called Litton for help. All we got were nasty people in response to pay our mortgage or else lose our home. We keep asking for a loan modification but we were told that the investor does not support modification. But yet every time I call the mortgage company, a recording states according to their records, we are eligible for the Home Affordable Program. So I honestly do not know where my payments are going or if I'm even behind! We fell into foreclosure and were forced to pay a 18 month repayment plan where Litton is reaping hundreds of dollars a month in fees from us. We honestly do not know where they posted our payments that they said we didn't make.

I received nothing from the first class action suit even though I turned my information in. I understand that there is a second one in California? When transfer they were charging late fees, they then placed insurance on my property saying they did not have proof of insurance. In the State of Pennsylvania by law you have the right to choose the company that you want to place insurance on your property. Litton does not contact the insurance company they just place insurance on your property. These people then start an Escrow account for the payment for insurance on your property they then take part of your payment to pay for this insurance.

They then start charging Forbearance charges to your account. When you file a complaint with the Pennsylvania Attorney General's office they tell them that they are refunding the charges for insurance and they pay themselves the forbearance charges that they gave collected and give you no money back. Then they start this process if they can with your taxes. Hey continue charging late fees.

When you pay extra on your account it is late fees nothing is being credited to your principle. When they are claiming to refund your money they don't and they do not correct the credit reports that they are filing that you have late payments. Payments are credited as much as two days later then they are being paid through Western Union Quick Pay. If you pay on the16th your last day to pay before it is late you are charged late fees if you pay a month ahead you are charged late fees. If you pay on the 1st you are charged late fees nothing is paid on the principle. One time they returned money after a complaint was filed but not put towards payment or principle they then claimed my payment was late, and charged late fees.

They have more than one accounting system and are using the one that looks like they are reporting things right and you are wrong. I can get for $75 Dollars my entire payment history from Western union. I have in my passion western union payments' being recorded day's after they have gotten them and payments that are being eaten up with charges. I have two different accounting records from them one no one could follow the other may be used. I have filed a complaint with the Federal trade commission two times now and they have done nothing.

They are reporting false payment dates, they are placing insurance on my property and charging for it and claiming my payments are late, they are not correcting credit reports which they should have been made to do. They are not putting extra money on the Principle of loans and charging late fees instead. (Got proof of this>) and all other charges of placing insurance multiple times. This is all done after payment is done and they may lose interest from your account that they are collecting. I want my money back from these people and I want my credit report fixed. I am sending my payment history to the credit bureaus; I should not need to do this. They are placing false information on credit reports.

I am so frustrated. I have been trying to get a loan modification since April. Every time I call Litton Loan and speak to a representative I am told that I need to send something else. It is crazy. They keep delaying the process. Today they tell me that they need a utility bill and my home owners dec sheet. I went through my paperwork and told the women that I had sent all off this information already on June 3, 2010 to look at the paperwork sent in. She looked and sure enough it was there. She said that she would put a detailed note to the processor and let them know they had the information.

I am so sick of this company. They tacked on so much in late charges and penalties. I don't even know how to begin paying it back without the modification. Should I just leave the house and start over? I would also be very interested in being involved in a class action suit against this company. It can't be legal for them to do this. I firmly believe that they delay the modification on purpose by asking for paperwork they already have and never calling any one back.

I am about to lose my home. If I don't get approved for the modification it will go in foreclosure. They say we owe about $10,000.00 and actually we only owe about $3,000.00 in past mortgage payments. The rest is late fees and penalty.

Starting May 2009, I started to fall behind on my mortgage payments due to cutback of hours on my job. I called Litton to explain my situation and make some type of arrangements for payments. I asked them about the government loan modification and they told me they were not a part of that program but I could apply for a loan modification through them. Well, I got turned down for that one. This process took five months for them to turn me down. By this time, they were a part of the government loan modification program and I applied through that program. I sent every thing that they requested. This process took approximately four months. They approved a "trial loan modification" for three months or until I heard something from them. This went well, all payments were sent on time.

I received no communication from Litton during this process. After four months, I began to get concerned because I still had not heard from them. I went online to check my Litton account and there was a message in my inbox asking for my two most recent check stubs. I did not receive this in writing. I called them and they confirmed that they needed my two recent check-stubs which I sent. Three weeks later, they informed me that I did not qualify for the government loan modification because I made too much money.

By this time, approximately six months have lapsed since, I initially submitted my information for this modification and my income had gotten back to normal but this was suppose to be based on what I was making at that time. They denied the modification and put my mortgage payment back to the original amount and asked for everything that was owed in arrears which totaled $15,000 - $19,000. I could deal with the payment going back the original amount but I don't have the resources to repay them the arrears. As for making arrangements, they told me to reapply for a loan mod through them again. I did. I sent in all information that they asked. They informed me that they did not receive it even though I got a confirmation that the fax went through. Actually, what they said is "since we did not receive the information that we asked for, you are now in default on your loan and we will start foreclosure proceedings." I am currently filing for bankruptcy to save my home. My credit is destroyed. My blood pressure stays through the roof.

What happened? Use as much space as you need. On august 1 2008, I had a massive heart attack requiring 6 by passes and a mitral valve. I was unable to return to my job. I've since been on disability. I contacted my mortgage company they said I could qualify for a loan modification in November 2008. They sent papers requesting documents. We sent all the requested documents. They kept losing the documents we kept resending them over and over again. Finally after 1 year they said we qualified for the modification. We had to send our new payment on time for three months in a row which we did. At the last payment they told us there lender denied our modification based on our excess income. I get $881.00 a month disability and my wife makes $8.50 an hour 40 hours a week. That's it that's all there ain't no more.

So Litton put me in for another modification. Again, they lost paperwork over and over again. it is now August 2010 and I've been denied based on our income we don't fall into their 31% range our income is at 29% of our gross income $2,241 a month our mortgage payment is $657 a month but our taxes and insurance are over $400 a month at $1100 a month combined. I would say I'm a lot over their required 31%. But the bottom line is this Obama created this modification program to help this economy and help people who have had hardships. This company is getting the funds from the government and scamming the American public. Nobody is getting loan modifications. Just look at the percentages. Banks are laughing all the way to the bank and thumbing their noses at Obama. I would like to file a class action lawsuit but I am sure there is one out there against Litton loan just read their complaints on their home page.

My story is the same as all the others that got hooked by Litton, the insurance scam, the payment scam and all the inflated fees scam. In the end, I lost my house because my health got so bad that I didn't have the strength or money to keep fighting them. I lost my house and a lot of personal property that they wouldn't give me time to move. My health had got so bad I just gave up trying to move everything while their hitman was pushing me off the land.

I have sent all the forms that they have requested. They always ask for the same thing, over and over. I have documents, fax transmittals, etc. I have sent the tax request forms, paystubs, unemployment filed tax, utility bill, etc. I just got another notice that they need it again because its expired.

I am now in debt to them for $7000.00 due to paying the modified amount that they told me to pay, not telling me that if I don't qualify. I'm now in default.

This is the third or fourth complaint I have filed against this company, when is someone going to do something? These people place insurance on your home when you have insurance on your home. They report your payments are late to the credit bureaus when paid within their grace period and charge you late fees or any fee they can think of. If you pay them extra money to go on your principal they charge you late fees and place fire insurance or pay your taxes and set up an escrow account.

Ameriquest and Litton Loans are in this scam together. I believe that Litton Loans has bought Loans written by Ameriquest, with no Escrow account and a clause in the first two years if you pay more than your payment you are penalized so that can collect full interest. I was also required to have 20 percent down on my house before they would finance my home. These two companies were and are setting home owners up to take there homes from them and make a profit. These people are criminal.

I have paid my payment on the first on the due date with extra money. The extra money you are then charged with forbearance suspense fees and 2 different late fees. When confronted with placing fire insurance when it is already in place claiming they do not have proof of this, when they do. They keep charging forbearance fees. When that hit the amount what they took from your payments to place fire insurance, they refund your money not back to the payments that they took it from but to this forbearance charge. You are not given any of the late charges back either.

They tell the Attorney General's office that they are refunding you the charges for placing insurance and do this. I have filed more than one complaint. I have filed now 2 complaints to the Federal trade commission on this matter. That do not correct your credit report where they are charging you for paying your payments late so no one will touch your account. The credit reporting companies are claiming Litton is proving your payments were late. But I have yet to get this information from any credit reporting company.

I send my payments through western union paying 12.00 to do this. It will cost me 75.00 to get 5 years of there records. I am going to get this. I am also sending copies of my payments. I already have on hand with my payments that are being paid on time certified return receipt to all three credit reporting companies. Plus the fact that they took payment from my payments and then claimed that they are late. This is unreal that this company can cause this much problems and no one is being sent to jail? How is this company still in business ?

Why isn't the Federal Trade Commission doing something about this? What are we paying them for? Consumer protection where are you at also? How can these people do this and keep getting away with it? Plus where is the IRS why are you not auditing this company? I don't think my statement given to me on interest paid and late charges collected is correct either. Their book keeping is such a mess. I think Auditors throw up there hands and let them get away with this.

You need to check when home owners are being charged late fees. If payment is being paid within the grace period why are they being charged late fees? Should this not be covered in the truth in lending act? When a bank is reporting on your statement that you will be charged so much if you pay your payment after this date? But charge you late fees and report you as paying late to the credit bureaus? Is this not giving out false information at the very least?

Litton Loan Servicing and any other Bank doing these practices should be removed from this industry. All there accounts should be checked for insurance being placed when insurance is on the property and for charging late fees. As they are reporting this to the credit reports all they have done this to under Federal Trade Commission Laws should be removed. Is this not true? So how are they doing this when I now have filed 2 complaints to them about this? Is there any one out there that is supposed to be protecting consumers doing there job? Why are you letting Litton Loans get away with this?

How can they open Escrow account at a drop of the hat and charge forbearance fees and not be held accountable for the money they have taken and stealing people's houses. How can they get away with setting people up, so no one will touch them with a Loan, and the only way to keep your house is by paying Large Attorney fees after being raped over the coals by these people? If you got the answers to this, please email me.

Also, Law makers state and federal how can you keep making laws to throw people with mental illness and health problems in jail instead of getting them help, but you can't keep these banks from setting up escrow accounts when ever they please in order to protect there supposed interest? Do we need yet another government agency to check when placing escrow accounts the reason for placing them is valid? As placing them for paying property tax, this should not be done in the first place. When a house is being sold for Sheriffs sale they are informed about this, are they not? This is, so they can buy this property to protect themselves from losing money right? So, why are you helping them to steel properties from the home owners? They are using this to help make the hole bigger for the home owner to fall in. Are you people stupid or are you being paid by Litton Loan servicing?

Do we need someone to see why these banks are getting away with these under handed practices? I understand they give you a group of papers to sign and something in there is saying that they can do this. These kind of contracts should be illegal and made null and void. This is a stressful time and placing large numbers of documents under someones nose and saying sign this here with out a complete understanding is simply wrong. This is of the highest priority when that company such as in my case refused to do this in the first place, saying they don't do that. Funny this is what Litton uses to take your house from you!

Due to the job market slow down, my income was drastically reduced causing our mortgage payments to get behind. In September 2009, we requested a loan modification and filled out the paperwork required and provided all the documentation that Litton requested. When my wife called to check on the status of our request, she was told that we were over extended and did not qualify. Isn't that why we asked for help!? When I called in and asked for the qualification and disqualification guidelines, the guy on the other end could not give me a straight answer! We gave up our only dependable transportation and payment then re-applied. We did the whole process again. We were then told that we made too much! Frustrated, I called and asked to speak to a supervisor. This supervisor said that she could not locate any of our paperwork and we needed to send it all again! Well, we did.

Now, at the end of April of 2010, we finally get a loan modification we can afford. After having a mortgage attorney look over the contract, we agree to the terms and send the paperwork back. One week to the day, I lost my job. Out of honesty, I called and notified Litton. They told us the contract was null and void. Three days later, we received a certified letter from Litton telling us to short sell the house and giving us instructions on how to do so. We did as they requested, in the time frame they requested, only to start receiving certified letters from Litton telling us how to apply for a loan modification! I have tried to contact Litton, to no avail, my wife has tried and our realtor has not been able to get a response from them either!

This company has been the most difficult, irritating, rude and evasive company that I have ever had to deal with. This is not the only problem we have encountered, like others, we had problems in the beginning with payments not being posted correctly, our insurance escrow was not paid on time, etcetera. Our lives have been torn apart. My wife and I have almost divorced. We spent a lot of time in counseling to save our marriage. We are losing our home for which we put a lot of blood, sweat and tears into building! There are other things this mess has caused but my wife and I have just thrown our hands up!

My business collapsed in Summer of 2008 (I was a commercial Real Estate Broker). I stopped making payments on my mortgage in September of 2008. My original lender was Homecomings Financial. I had been making payments since 1994. On top of my business problems, my 7-year old daughter was diagnosed with Leukemia on January 4, 2009. My wife had to quit her job to care for our daughter full-time and now, my expenses increased with a 90% reduction in my income. I contacted Litton in December of 2008 and asked to work out a loan modification. I did not hear back until early February of 2009 in a letter in which they said that I may qualify under a new government program and they would get back to me.

Two weeks later, I was served a lien to foreclose from Deutsche Bank. I found out later that Deutsche Bank did not get assignment of my mortgage until April 28th of 2009. They just filed foreclosure on a house they did not even control until 21/2 months later. Litton never got back to us until July 12, 2010. They said that I may be able to get a loan modification. I managed to talk to the foreclosure department several weeks ago and I sent them all the information they requested. Now, I am being completely stonewalled at the front door. They conveniently hang up on me, it goes to a fast busy signal, etc. This company is ran by criminals. Meanwhile, they were informed over two years ago that we could not move out of our house as my daughter's immune system could not handle it per her oncologists. They do not care if my daughter dies or not. Something needs to be done with these out of control carpetbaggers.

Their business practices should be illegal. We are about to lose our house. They are unwilling to work with us. We applied for a modification which took 9 months to get a response, because they "misplaced" our paperwork 3 times. Then they denied us, because I make so much money (I wish!). The numbers they had for my income were incorrect. I informed them of this, and they said I must re-apply again.

It took 9 months the first time, but I have to apply again! So the second time, it took 5 months to get a response. They lost our paperwork once this time. And go figure, denied. This time, the reason was I don't make enough. During the 5 months of waiting, I was laid off from my architecture job. So I have been teaching and bar tending to get by. They said I don't make enough now, and that I would just go into foreclosure anyway, so it didn't make sense to modify. Unbelievable! I know how much I make and what I can afford.

So we continued to go into foreclosure, and then, they did approve us to short-sale our house. We put it on the market at 119 but barely had anyone look at it. Litton and the realtor suggested we lower the asking price to 99 to get more people looking at it. Litton also said that if we got an offer over 80, they would look at it but not necessarily accept it.

We had an offer for 85. Litton counter-offered with 115. The buyer then said to forget it, because Litton was playing games. You can't have a house listed for 99 and then counter-offer with 115. So now, we are back in foreclosure with no offers. Other similar houses are listed for around 85.

I have told them that I will refinance, modify, or whatever for much more than that, and they won't do it. Our original loan is 192,000, and I offered them 150,000 for it; but they won't do it. But they will take 115 from someone else? They are obviously not willing to work with us at all to keep our house. The main thing I need is a 30-year fixed at the current interest rate, but they will not do this. We are losing our house.

We refinanced under the loan modification program on November 2008. We were to pay $500 and our loan was to be $545 per month. December 2008, Litton Loan said we owed them $1500.00 not $500.00. We paid it even though our legal papers said $500. Then, our payments started creeping up within a couple of months. We are supposed to be on a fixed interest loan. Our property taxes and insurance have not changed.

Soon Litton Loan said our house payment was $775.00 per month. Now they are foreclosing on our home on August12th, 2010 because we refused to pay that amount. Back in January of 2010, we went to Financial Counselors of America and they spoke with Litton Loan and Litton wanted to review the loan. Financial Counselors of America faxed all the paperwork to Litton Loan. Now Litton Loan says they didn't get all the paperwork they needed, so they are foreclosing.

We need help with this crooked company. We need a roof replaced on our home that was damaged by hail, but we haven't sent the check to Litton Loan yet because they said they may or may not release it to pay for repairs. My wife is beside herself at this point because of people driving by looking at our home.

On approximately Dec. 10, 2008, I contacted Litton to explain that we were having difficulty paying our mortgage. At that time, I was told we weren't far enough behind to receive any assistance. I was told to keep trying to make the payments and if we fall more than 4 months behind, contact them. And so I did. At that time, I was told to send all the proper forms and after sending and resending, we were finally approved in June of 2009. Yeah! Our payment was cut in half and we were at 2.2% for a trial period. Okay, great. One rule, not one late payment or you're out of the program. Everything was going great, we made July's payment. We received a letter in the mail from Litton stating we qualify for a modification. I called and inquired about the letter. They said, "oh, just disregard that. You're already in the program".

Okay, we made August's payment, September's payment. October's payment, we called in to pay over the phone one week ahead of the due date, at which time we were told "oh, you're no longer in the program. You never sent us a utility Bill". So of course, I will not take this for an answer. I actually sent them all, updated info, as per requested and was denied as of March 2010. I contacted a government funding program, they got on the phone with Litton Loan. They went over all our paperwork and asked if we could please be reconsidered for a modification. Their reply was yes. Okay, so we sent everything out again. No answer. I researched the actual bank that holds our mortgage, Deutsche Bank, located in Santa Ana, CA. I spoke with Ronaldo and he assured me he would contact Litton and have them call me.

They did, requesting more paperwork which I respectfully sent. Again and again. I thought great, here we go. No! After more calls and more excuses from Litton, I placed another call to Ronaldo. I left a message on his voicemail and I received a call from Carl at loss mitigation department assuring me that he wanted to help. Please send a profit and loss form. So I did, that was on July 18, 2010. I spoke to him today, July 27, 2010, and he assured me that my file is now complete and we will be reviewed. We are $39,000.00 in the rears and that's not including legal fees I was told by Litton. Yet I was told months prior to not send a payment, it will not help?

I have been helping my mother for a year now with trying to get a loan modification. She received a 3 month trial period in the mail and at the end of the 3 months she received no more communication about the modification. I called them and one young man told me if you don't hear anything just keep paying the trial modification amount and by December her modification should be permanent. So from June 2009-March 2010, she was paying the modification amount. We have had a lot of run around about the paperwork too. We kept having to send in bank statements and check stubs.

We noticed that her credit card amounts were being reduced and whenever we called Litton it would say she owed $4000. Well my mother has not been late on a payment in over 2 years. So we couldn't understand what was going on. Well she only signed papers agreeing to the modification trail period for 3 months. Finally, I was told that Litton kept renewing the trail period every 3 months which was why they needed the bank statements and check stubs. However this consistent renewal was without her consent. We were assuming the modification would be secured since it had almost been a year.

Well, my mother got a new position and a raise with the new position. As soon as we faxed her new check stubs we were told she did not qualify for a modification. I was very angry. Why wasn't the modification approved when her income was lower, but quickly denied because of a $2 an hour raise? I want to know if she has a lawsuit considering they did not tell her she was still on a trail modification and did not explain to her the penalties of only paying the minimum amount of the modification.

This has caused her A+ credit to go way down and before this modification she was not "behind" on her mortgage. To make matters worse her escrow went up another $100 a month. Now that the modification situation reported that she was not making payments on time, she can't refinance to another lender. She could have before trying to do the modification, which again she was not behind and the modification was a suggestion that they sent to her in the mail advertising the modification program to her. I think it was very deceitful and I want to know if she has a case or not?

Litton denied a loan modification after informing me that if I paid the three adjusted payments on time, there would be no reason the loan would not be approved. After denying the modification, I owed back payments of 10,000 dollars and was notified that this needed to be paid or I could go into foreclosure.

It is hard to get information from anyone at Litton. They do not answer phone calls and do not return calls. It seems they try to string you along until they can do nothing but foreclose. These people do not need to be in business. They do not care about anybody. They are only giving me an option of a repayment plan or selling my home, which I do not want to sell. This is a very stressful situation. Something needs to be done about this company.

We have a loan that was sold to Litton a couple of years ago. The original payment books and paperwork were delayed to the point that we still made payments to the original loan service. When Litton contacted us, they said that we were behind on our payments. We cleared this up after several months and several calls with no help from Litton.

In November of 2008, we missed a payment. We found this out in April of 2009. Litton showed that we missed three. We proved to Litton over and over again during the next six months that we were not behind. After finally proving that we made two of the three payments, we were offered a loan modification. We paid all of the costs of the loan modification which upped our payment by $300 per month. We have been paying this new payment for six months and Litton will not allow us to talk to the processors to give us a date as to when the new loan goes into effect. They are also charging us for escrow. We pay our own insurance and taxes.

I have been actively trying to get a loan modification for over a yer with Litton. I have sent in the 4506T form, for almost 10 times. Each time, they said there was a mistake on it or they didn't receive it. Mind you, they are the ones that dictated how I complete the form. Also, I have now sent in the past 4 years of taxes, three times, not including 2009 taxes.

I have sent them in over a year's worth of pay stubs up until July 2010. They have bank statements, and still to this date have not denied nor approved. I have been struggling to stay current on my payments. I have not had any late payments in over a year but I am struggling and I make a lot of partial payments just to make sure my credit stays in good standing. As of July 20, 2010, Litton informed me that they needed to see page 2 of my bank statements from April and June 2010. The 2nd page is blank on the second form.

The idea that they continue to ask for information that is not needed to make a decision is absolutely crazy to me. What else could I possibly provide them with?! I have nothing to give them and yet after sending all my personal info for over the past year, they want more. I have headaches all the time. I have nightmares about this company. I have exhausted all my savings and 401 accounts to keep up on this mortgage.

Well I guess I should start at the beginning. We financed this home through Litton Loan in Feb 2006. I had been recovering for a year from a near death heart surgery and found that the home we had was much to large for us. In November, I went to work in a management position. My husband and I was both working and things was going well. In 2007, my husband was forced to retire sooner than he had planned due to his factory closing and being torn down. Shortly after this he had a triple by pass surgery. In 2008 was when things started going downhill. I got sick again and had to have another heart surgery, which led to me being unable to return to work. However, I was able to receive disability but it was 1/2 the money I was used to getting. Soon after, we were forced to file bankruptcy but kept our home out of it. In all this time, we have never been late on our payments.

In May of 2009, I read about modification of your loan. My goal was to reduce the interest rate and in doing this I would lower my payment and also include my taxes. When we purchased this home, it had to be put into two different mortgage companies which should have been a clue to us but we didn't see this.. Specialized Loan and Litton Loan was our mortgage companies. Specialized Loan agreed to the modification and things went great, however, Litton Loan Servicing was a nightmare.

On May 1, I made my regular payment of $864.57. We filled out all the necessary paperwork and was told our first modification payment was due June 1, of $1,136.84. So on May 17, I paid this payment for June, thinking that if I got it in early and continued to make these on time it would work. Every month, I called and was told I was missing this paperwork and that paperwork. I faxed everything they needed at least 5 to 6 times. This was suppose to be a trial period for three months and then the decision would be determined. The worst that could happen was I would return to my original payment and I would go back to paying my own taxes vs them paying them. Along around the six months, they finally told me everything was current and up to date, payments etc.

Finally after 11 months of this of paying the trial modification payment to Litton Loan, I got the modification, only to find out that the interest was the same . The only thing that changed was the payment was higher. So I called and tried to decline. I was then told I had to send it in writing, so I did. About a week later around May 25, 2010, I got a letter stating they declined my modification because of our bankruptcy. I called on May 26. I got the call center and they rerouted me to the Bankruptcy dept that handles this for Litton Loan. After talking to them, they could not understand why I was routed to them because my bankruptcy was dismissed. So they sent me to Litton Loan only to get an answering machine. I left a message.

The next day I received a certified letter of default on my mortgage stating that I owed them $1,756. 84. I called again only to get the bankruptcy dept. and them to transfer me to Litton Loan I asked to speak to a supervisor and guess what, I had to leave a message and got no return call. I finally got to speak to someone and they said in Jun of 2009, I never mad the modification payment (this was one of the payments I made in May). I then went to my bank, got all the printouts from May- September 2009. The bank faxed it to them for me . On May 27, I called again. I transferred again to the bankruptcy dept. not Litton Loan workers. I then asked for another supervisor and I got a girl named Maggie. Maggie could not understand why I got the default letter, where they came up with these figures, showed no late payments and said she would give me to one of her supervisors. I got a answering machine and left a message to Deanna.

On June 1, I called again. Finally on June 1, Deanna, a supervisor not from Litton but from the company handling their bankruptcy, called me . She was going to check on this and get back with me. So I gave her some time to do this. On June 23, Efrin *** called and left a message. I called him back two times and never got to speak to him. Well now June 23, I received yet another letter of default now saying I owed them $2,200 and it had to be paid in 45 days or I would loose my home. I called again on June 28 and got very angry. I got Litton Loan and I asked to speak to one of their supervisors, as they were going to send me to, yes, you got it, the bankruptcy dept. I refused and finally I got James ***, a supervisor. Well James assured he would check into this and would return my call. I then got his direct extension number.

It is now July 18 and I have yet heard from him. I hired an attorney 10 days ago and have yet heard from her. I have continued to make my payments on time however, in getting our credit report, it is showing that we have not made a payment since 2008. They are not reporting our payments to the credit bureau. As many others, our home is worth half of what we owe on it. The thought of having to deal with them for the rest of the time of this loan is a nightmare. Not only have they done this to us but I also got a letter from the IRS in June stating that in 2008 I reported 10,170 more interest than what was reported. So they are fining us $1,600 more. I took this to my tax preparer and we sent my proof to them. Litton Loan not only is messing with my mortgage but they have not reported the interest I paid in 2008 either, which I think I will probably get the same for 2009.

I want to know if I have a lawsuit here. These people should not be able to do this to people. I have been reading other horror stories. It is scary to think this is where my home is mortgaged through. What can I do? Aren't they also committing fraud to the government ? Why are they being allowed to do this to people? This would be warranted if I was not paying but I am. I just want to be through with this.

I really don't know where to begin. This has been since a terrible ordeal. I guess I will start where it began. In 2007, I had to have my second open heart surgery, which caused me to go on disability from a management position and lose a considerable amount of money each month. Well, we dealt with this till 2007 when my husband had to have a triple by-pass. He then lost his factory job due to his plant torn down and it forced him to retire early. Well, we were doing okay and then things started getting bad. We were forced to file bankruptcy in 2008, but we kept our home. We have been here since 2005 and have never been even late on a payment.

That being said, I had heard of a modification loan and I thought maybe I could get this and lower our payment and also include our taxes in the payment. I started this modification in May of 2009. I had paid my monthly payment of $873.51 on time May 1. Then, after talking to them and receiving my paperwork, I was told to make $1,136.84 on June 1. I made it May 15 instead, thinking that promptness was an issue and knowing that if I was late anytime, this would not go through. I was told this was a three-month trial period.

Well, I continued making payments on time and I'm not hearing anything from them. So I started calling them. They kept telling me they were missing this paperwork and that paperwork. Each month I kept sending them the paperwork they wanted. Finally, after 6 months of this, they had everything, but I kept calling to make sure everything was current and up to date and wondering what was going on with this modification. They continued to come up with lame excuses.

Finally, after 11 months of this, I got the modification loan. Looking through these papers, I realized nothing was changed: the interest rate was the same; the only difference is that the payment was higher. I then called and declined the modification. I was told I had to fax that into them. So I did. About a week later, I get a letter saying they denied me the modification due to my credit history.

I added up the money I paid and the regular payment and I discovered that even after them paying the taxes, they owed me an overpayment of $280.00. I then got a letter stating they owed me money ($215.00). About a week later, I called them to inquire about this. I then was told I was behind one month, which was the June payment for 2009.

The following week, I tried to resolve this and the horror began. I got sent to the department of bankruptcy that handles their bankruptcy. After talking to them, they could not understand why I was sent to them. My bankruptcy was dismissed. So they sent me to Litton Loan. I got a voice mail. I left messages. Then the next day, I received a certified letter of default stating that I defaulted on my loan. I then contacted them again. This was May 26, 2010. Once again, I'm getting the bankruptcy department and another voice mail.

I left a message. May 26, I called again. I then asked for a supervisor and got connected with voice mail. No return calls once again. I then got Maggie at the call center on May 27 (11:15 a.m.). This is the call center for the bankruptcy department again. The one handling the bankruptcy say I didn't file bankruptcy on my home and the bankruptcy they assured me was dismissed. Maggie listened and said she would give this to her supervisor and see what they could do for me. Her name was Deanna. On June 1, 2010 I received another letter of default.

Now they are telling me I owe more money. It has now gone from $1,786.40 to $2,278.54. The bankruptcy department cannot figure out where they came up with these figures and it is showing that I have made the payment on time except the June of 2009. Well June 1, I called again and left a message again on Deanna (voice email). Finally June 1, Deanna called me and she was going to give this to her supervisor. June 23, Efrin S. called and left a message. I called him back two times and left messages.

June 25, Deanna called again and she was going to give this to another supervisor. Well, on June 28, I called and I was very mad because another letter of default came telling me I had 45 days to pay the money owed. After getting very abrupt for the first time, I got James D., a supervisor at Litton Loan. Finally. He assured me he would research this. I had sent them in all my bank statement for May, June, July August and Sept for 2009. On May 26, he was going to research this and would get back to me. I got his phone number and extension number and politely told him if I did not hear from him in a couple days, I am going to contact a lawyer. Oh, he didn't want me to do that.

Well, it is now July 17 and I have yet to hear from Mr. D. I did contact an attorney, but I have yet heard from her also. This was two weeks ago. I also received a letter from the IRS that said I claimed more interest than was reported and I owe them $1,686.90. Apparently, on my husband's credit report, Litton Loan has not reported anything to them; so it showed that we have not made payment to them since 2008. I took this to my tax person. Apparently, Litton Loan did not claim the interest we paid them in 2008. Is this not fraud on their part? Do I have a lawsuit case here? These people are messing with our lives here. We should get some restitution from this anguish. We have done nothing wrong and yet they are trying to take away my home. I am still making my payments on time, but part of me wants to walk away. I would like to know what do I do now.

After having two open heart surgeries, one of which I almost died, I also had a stroke in my eyes. This has caused me so much stress. Trying to just hang on to my home, a home like many others, which is worth 1/2 the amount I owe. But it is my home. I have high blood pressure and this sure is not helping my physical being.

On July 16, we received a letter requesting the same documents which we already sent 3 times for trying to modify our loan. This is absolutely ridiculous. This is the fourth time that we are going to send the same documents and they say that they have not received them. The first time was by fax on May 6, 2010. The second time, again by fax on May 19, 2010. The third time was by certified mail on June 15, 2010 with track number ****.

On June 29, 2010 at 16:15 hours, we talked to Nora **** at 800 and she said that they received the documentation we sent by mail, 23 pages in all. Do they really know what they are doing? I will probably lose the house due to their incompetence and not really want to modify our loan.

Litton started us on the modification trial loan in November 2009; in February 2010 we were approved they gave us an amount and asked if that was ok we said ok thought what a life saver. Now in June they said we were denied and need to make the original payments and they sent us a demand letter for the difference in a sum of $25,000 now we are freaking out. We are raising four grand children it will be 4 years in February had sold our old home that we thought we were going to retire in and had completely remodeled but sold to buy a bigger house to fit all of us. We do not know what to do.

I contacted Litton Loan in January of 2010 about refinancing my mortgage. They told me that I should apply to their loan modification program. I filled out all the necessary paperwork and sent in all required income and tax statements. In March of 2010, I was told that I did qualify for the loan modification and that I would need to make trial payments. My original payments were $1602, with no escrow. The trial payments were for $1611, which included escrow. I paid the $1611 for 4 months, then they started to request the same paperwork and documents over and over. They were just wasting time. I would just be happy to have my payments go back to the original amount. I have never missed or been late with a payment.

Today, I saw that they reported that my last 4 payments were derogatory. My credit score is now 150 points lower! I called Litton and they said that since they added the escrow, that it is actually added to my original payment amount. How would I know that? I have statements that says pay $1611, so I always paid $1620 to round up. How can I pay more if I never know I am supposed to? I was also never late, how can they get away with this? Has anyone ever been able to get out of this modification nightmare? Due to a loan modification trial period, my fixed mortgage payments increased due to an additional escrow payment. Plus they reported my payments late to the 3 major credit bureaus. These are all false.

There are many, many complaints on Litton Loan already. My issue is no different. I have been offered a modification, and after the payments, they say that something was missing. I started the process all over again.

I have been in this situation since November 2008. Litton Loan was the one who told me that in order to get a modification, I needed to stop paying. They put the home in foreclosure. There's no way to fix that now. My credit is ruined, I want to start paying, but they won't return calls. What do I do?

My income changed, my interest rate in my home changed effective January 2009. I called them for help, called them to see if I could refinance, asked them to keep my interest rate at the rate that it was. I need assistance.

We, like others, are in foreclosure with Litton. We were in a repayment plan with them. Since then, our home has burnt and we found out that Litton did not pay our homeowners insurance out of our escrow account. For the past 2 years, we have had to fight with them to pay our insurance. This year, we thought we had it taken care of and now since we have lost our things, we find out there is no insurance. We have lost all material things that were important to us and our home. Water and smoke damage our stuff. The house is in foreclosure on the July 21 2010. No notification. We are staying with a family member until we can find something. We were fine with our mortgage until Litton took over.

It's been 10 months into a loan modification application. I've gotten the run around submitting the required information over 10+ times. The same info was provided 3+4 times. This is a complete joke. I'm barely able to keep my property because they have been playing games with me for almost a year.

This caused stress. Every time we call and try to work out the problem, they come up with a different amount we owe and a story of why we are in default. We have the receipts to show we made payments, but they will not post any payments we make.

We fell into default back in 2008 due to circumstances that most of the country seemed to be dealing with. In February 2009, my husband got a full time job, so Litton was willing to work with us and upped our payments $150 more a month in order for us to keep our home. They had already started the foreclosure process but stopped it because of my husband's new full time job. They told us about applying for a modification program. We got the application in May, but in June my 14 yr old daughter was diagnosed with brain cancer. While in Denver for 2 months with her, we begun applying for a HAMP Mortgage Modification.

So the process started back in August 2009. We did the trial period payments on time if not early, beginning November 2009 - January 2010. Through the process they were continually needing more bank statements, copies of things that I had already sent in once and sometimes twice. We were led to believe and had assumed that after we finished the trial period payment in January 2010, that that would be the end of it and we would be modified. I never heard anything the entire month of January and I went ahead and sent the trial period amount in for Feb. 2010. Still I heard nothing from the company.

We finally received a letter stating that we couldn't qualify for a HAMP Modification because our gross income/house payment ratio was at 31%. Our income was sufficient (What? Sufficient? We're down to one income that is considered low-income by government standards while I'm home with my daughter as she fights for her life?) but since we were heading to foreclosure back early 2009, they were willing to look at doing an in-house modification and would let us know in writing within 2 weeks. ( I never heard from them in writing! In the meantime, someone had called my husband at work and told him the amount of our new mortgage payment. First, why not just send a letter so the amount is in writing and can be looked at for reference?)

A day or two later, my husband says, "Oh yeah, Litton called and said our new payment would be seven-hundred-eighty-something.." That helps me a lot! So I call the company and asked for the exact amount. That person had no idea what I was talking about and tells me to pay the amount of our old mortgage payment (which happened to be less than what the amount would be if we modified; they'd roll the missed payments in and of course as expected would raise our payment slightly.) So I pay the "old" amount. The next month, I happened to be monitoring our credit report, as I've been working really hard at paying on time with all the bills and trying to get that number up. Litton reported that month that I made our "old payment amount" as being 120 days late! Our score dropped 72 points! I disputed it with Experian, and got a report back stating that it stands! Crazy!

In June 2010, we finally get papers back from Litton that they will do an "In House" modification with us, again with trial period payments. Then once that 3rd trial payment is made, we will begin receiving regular statements and life will go on as it did before we fell into default. It is July 2010! It's taken 11 months to modify and I hope I'm not speaking prematurely here! This process was the strangest one I've ever been through in dealing with a mortgage company. Even though we signed the papers I am so leery of this company and would like to re-do everything with a new company, but have no clue who to turn to, who to trust or what to do. I don't know who to talk to about the whole credit report thing either. I have proof that for the last year we made payments on time and most months it was early, right from Litton's own website! And yes, like many others, we were charged a late fee one month very randomly and it was not late!

In March 2009, we applied for a loan modification. After sending 3 tax statements in, all the same, we were told to make token modification payments, lowering our loan $200.00 a month. In Oct. 2009 after the 3 payments had been made, I accepted a promotion. In December, I was told the final modification would be sent in the beginning of January, but I had to send in pay stubs again. I received the final modification amount raising the amount each month by $550.00. When I informed them I couldn't make the payment, I was told to use my options: (A) short-sale or (B) foreclose. That's so much for trying not to go completely under. Now Litton gets $500.00 more after a modification and the Federal Money too. They should have based the modification on the initial statements I provided in March. I would like to know if the federal government is aware of how they are "helping" consumers, or are they working together? What a scam! Please help!

Our mortgage was sold to Litton. We fell behind on payments due to a medical issue and loss of work. Litton allowed us to apply for a "modification" and began to make payments of $1103.82 per month. We provided all the documents needed and even followed up weekly with phone calls and emails to verify that all documents were received. We have all emails dated from January 2008 to present stating from Litton "all documents have been received". On Friday, June 25, 2010, we received a denial letter on a HAMP modification due to documentation missing. When we called Litton, the representative agreed all documents were there and had not been reviewed before the denial was sent out. When our home first went for foreclosure, we were $3400.00 in arrears. Now we are over $21,000.00 and are struggling to work with Litton Loan. We set up an escrow account paying $180.00 per month to cover our taxes and insurance and received notices from our County Treasurer that our tax payments had not been made.

I lost my job in October and applied with Litton for a modification. Trial modification payments began January 1, 2010, and I have made each payment on time. My original loan did not require an escrow account. However, to participate in the trial modification, I was told I had to have an escrow account. Out of six payments that I have made, only 3 1/2 escrows payments have been applied to the supposedly escrow account established and I have not gotten an answer as to where the other has been applied. I am in the mortgage industry and know full well that escrow money cannot be applied to anything else. Further, Litton has now said we do not qualify for the HAMP modification as what they calculate is our monthly income is too much. I have informed them numerous times and provided pay stubs, etc., which documents our exact income.

I received today a notification that they are requiring us to start a new modification and this payment is more than what our original loan was, plus they are telling me my interest rate if approved, would be 7.25% which is what my original rate was. I am beginning to think these people are absolute idiots. Litton (Goldman Sachs) took all the TARP money and they are going out of there way to drag modifications way longer than need be. I was out of work for two months and thankfully have found employed. However, I'm making $15,000.00 a year less than before. If Litton had done their due diligence, I more than likely would have qualified for the HAMP modification, but now am being penalized for finding employment.

I have shown good faith in making all of the payments under my current modification and provided Litton time and again with all the information they requested. If Litton is allocating my escrow payments somewhere other than my escrow account, they are more than likely doing others that way which means they are breaking federal law. Lenders are not allowed to place funds for taxes and insurance in any other place but the borrower's escrow account. Please look into this and stop Litton from (Goldman Sachs) from benefiting from mine and other's misfortunes during this time.

After more than a year waiting for Litton loan to approve our modification, it was declined and set for auction, not a single notification registered mail or nothing. My neighbor came to my door a week before the auction and said she saw my home set up for auction date online that is how I found out about it, 1 day before the auction day we called Litton and they gave us a repayment plan of $4,700 per month with $10,000 down payments. That was 11 months ago never been late for the repayment plan. I am receiving monthly letters saying I am late with the payment, we call every time we get the letter and they say to ignore it because it is automated. Finally my last installment on the repayment plan will be July 2010.

Today 06/24/2010 I received a letter of Notice of Default and intent to accelerate. I got all my western union receipts of every wire we made on time. What is the deal with this Litton Loan People? Is there any law to protect us from them? I don't want to lose my home. Paying them $4,700 monthly for the repayment plan on a home $200,000 underwater proves I don't want to lose my home. Where can we go to have this people reprehended for this kind of negligence? A man crying of anger and hopelessness, there has to be a law to stop this. This people took my health from me, my blood pressure is always high, sometimes don't even eat anything. I now understand why people commit suicide. I don't sleep well every time a get a letter from them; I lose my sleep thinking they may take the house away not honoring my repayment plan. Looks like a nightmare from where I will never wakeup.

The same thing happen to us with Litton and the modified loan every time they tell us to send in information I did they would receive it and lose it I sent the same information to them 5 times. I finally gave up then they told me to send my modified payment which was lowered to $200.00 until my loan was approved or denied. And then I paid $200.00 for 3 months then my husband had a heart attack and had to retire from his job they have been giving us the run around about the $200.00. I have been denied to start over again threaten to foreclose. Telling me different prices I owe on the house. Yes I would be glad to help start a class action suit on Litton loan servicing.

Below is a last attempt to resolve my issue. I have sent email to Litton Loan today 06/24/10.

My husband has a mortgage loan with Litton Loan and we have experienced several issues. The first issue, I am concerned with is that we have had an escrow account set up since we opened the loan and your company did not make payments to pay our property taxes for the last 3 years. We were notified of this via the sheriff's office in the city of Bellevue Kentucky in April 2010. The city and county stated they had not received property taxes for 2007, 2008, and 2009. We contacted your organization and were transferred to someone in the tax department. The gentleman there confirmed there was, in fact, an escrow account and assured us (once we faxed the property tax information) that he would make the payment ASAP. He followed through and there was a payment made towards the current and back owed property taxes of approximately $7,770 on 06/22/10. However, in the meantime, my husband's federal tax return was garnished to pay the previous year's property taxes (we will contact the city and the county to retrieve our duplicate payment).

2. My husband's credit has been affected since the 2007 and 2008 non collected taxes went to collection agencies and have been reported to the credit bureau. As a result, we need a letter from Litton Loan describing this grave error on behalf of your company.

As for my next issue: When we make our payments, we pay roughly $100-150 extra each payment to apply towards the principle or at the very least- to satisfy future payments. However, what I have discovered yesterday in speaking to a customer service rep, your company has not applied any of those payments to principle or future payments. In fact, you have applied the additional payment to two places: (1.) our escrow account (which some of your representatives tried to tell me didn't exist). (2.) A suspense account (or "savings account" the verbiage used by your representative).

My 3rd and final issue is that when I have tried to resolve the above mentioned concerns, I am not able to speak to a manager, nor do I get consistent information regarding my loan and application of payments. In fact, when I offered to investigate myself and requested previous payment history, I was told there would be a fee. Yesterday alone, I spoke to 6 representatives between 2 phone calls. When I have asked why our Escrow was not used to pay property taxes I was told the following: 1 individual said we only set up an escrow account last month! (That is strange as we have been paying into an escrow since the beginning of the loan.) Another individual stated that the escrow account was opened last year. Then finally, another individual confirmed that the escrow was opened when the loan was initiated.

At this point, I fear this issue is beyond my knowledge of fair lending and various laws. As a result, we will be contacting an attorney to assist since Litton Loan is not interested in resolving this issue without legal action. I am sending this letter as documentation of my dispute Litton Loan's servicing of our mortgage. I would like to have a reply to confirm receipt of this email by end of day today, 06/24.

In Dec of 2009, my loan was current. Within a few days, I was late on the 15th and paid on the 20th with late charges. On the 18th, Litton called and offered me a modification. I said I didn't know anything about them and she explained that I could drop my payment from $1022 a month to $247 a month. I made a full payment of $1022 on time in Jan of 2010. Then Feb. 1st was my first mod payment.

I made 4 mod payments on time, plus I paid $409 a month for escrow. In May of 2010, they sent me documents that said I didn't qualify and that I was being foreclosed on. I paid a lawyer to negotiate for me. Litton said they needed $3005 to straighten my account up and that they wouldn't report me to the credit bureaus and they would return my escrow. After they cashed my check, they emailed me saying that they took my escrow and was reporting that I was only making partial payments to credit bureaus. I could have refiled away from them and at least wonder why I wasn't accepted into the mod program.

Throughout my dealings with Litton Loan, they've been very rude on the telephone and I too had a time when I had to fax them a letter asking them to refrain from calling my job. I'd fax papers in, they claimed they never received them, and every time you call, you do get a whole new person. My issue is that my mortgage keeps increasing. It is coming to the point where it is becoming unaffordable.

Actually, it's always been that way. I've just dealt with it. Since I've lost some of my income due to a layoff, I seriously need a loan modification, but after reading these posts, I am reluctant to reach out for help due to the posts that I've read and I also know how rude and unhelpful they are. I would definitely be interested in a class action against them. If something does not happen for me soon, I will be in foreclosure.

I received a notice of default with intent to accelerate from Litton Loan Company on 6/17/2010. They said that I am in arrears of $1,513.84. My loan was sold to them from Equity One. I have made all payments and I am confused as to why this was sent to me. I tried calling just now but was put on hold and I finally hung up. Please advise why they are doing this and also what do I need to do? Thank you so much!