Litton Loan Services

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 letterwow. 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 offerpay 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 2nd Mortgage for us -- 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.

Did a modification Jan 2010, was finalized and everything 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 insuance. 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 insurnace 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 refuse to straighten this out. Mad as hell. not behind in payments, but the reason why we did the mosdification was to lower our payments. Did alot of research, and I have come across so much inforamtion 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 HUDI 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 & loss of work. Litton allowed us to apply for a "modification" and began to make payments of $1103.82 per month. We provided all documents needed and even followed up weekly with phone calls and emails to verify 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 modifcation, 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 forst went for foreclosure we were $3400.00 in arrears now we are over $21000.00 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 estabilished and I have not gotten an answer as to where the other has been applied. I am in the mortgage industry and no full well that escrow money cannot be applied to anything else.

Further, Litton has now said we don not qualify for the HAMP modification as what they calculate as out monthly income is too much. I have informed them numerous times and provided paystubs etc which documents our exact income. I received today a notification that they are requiring us to start a new modifcation 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 abosulte 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 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 registed 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 payment. 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 prooves 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 comit suicide. I don't sleep well everytime 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 threating to forclose.telling me diffent prices i owe on the house.yes i would be glad to help start aclass action suit on litton loan servicing

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 years property taxes. (we will contact the city and and the county to retrieve our duplicate payment).

I am concerned, however, with the following: 1. The nearly $8,000 paid by our Litton Loan escrow account to satisfy the property taxes included quite a bit of fees (as the taxes were 3 years behind). I would like the amount of fees and additional costs be paid by your company and applied toward the principle of our loan. 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 suspence 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 consistant information regarding my loan and application of payments. In fact, when I offerred 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 begining 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 receit of this email by end of day today, 06/24.

in dec.of 09 my loan was current within a few days late on the 15th paid on the 20th with late charges. on the 18th litton called and offered me a modification. i said i didn't know any thing about them and she explained that i could drop my payment from $1022 a mo. to $247 a month. i made a full payment of $1022 on time in jan. of 2010 then feb 1st was my first mod. pmt. i made 4 mod pmts. on time plus i paid $409 a mo. 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 straighted 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 particle pmts.to credit bureaus. i could have refied away from them and at least wonder why i wasn't execpted 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 mortage 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 intersted 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!

My Husband has his mortgage through Litton and shortly after we got married in September of 2009 we requested a loan modification. Litton sent us the necessary paperwork and a list of information they needed from us. We sent the information in via the mail along with the paperwork. When we called a month later to make the payment we were told they needed something else, so we sent that in. The following month we called to make the payment and we were told they did not have the necessary paperwork. We sked what else they needed. We were told my husband had to write a letter explaining his hardship along with a letter giving them permission to discuss the loan with me. We faxed that in the next day.

We had confirmed that this was the last thing they needed and the customer service person said yes. The next time we called in to make a payment we were told they had not received the paperwork and asked me to send one letter to one fax number and the other to another fax number. I did so the next day. approximately 3 days later we received a letter from them stating that there was 2 other forms that were required. I called the Customer service people yet again. They told me they had everything and that the modification was in the last stage and we just needed to wait. a few days later we received a letter in the mail telling us our loan modification had been denied due to our lack of response to the paperwork they requested...Now our house payments are approximately $100 MORE than they were BEFORE we started this whole process...tell me how that's suppose to work. Is there anything we can do...I can't believe they can get away with this.

Agreed on HAMP trial period plan on 10/01/2009. I paid 2 months on time and when I went to pay 3rd payment on Litton loans internet site. They refused to take my payment, so I called their phone pay system and it also refused to take payment. I called for 5 days before I was able to reach a person and not a answering machine. So on 01/05/2010 I reached a person on Litton loans to ask why they didn't accept my payment. I was told my paper work was not complete, so my application was denied. I had hired a lawyer to complete the agreement when I had asked for this modification with Litton loans. All the paperwork needed was listed for me by Litton loans on the HAMP modification trial period plan. I faxed all paper needed and was sure that I had sent everything required by Litton loans.

So, then I asked if there was anything I could do to submit the missing paperwork. They stated that they would consider me for their own modification plan. I then white-outed the dates on the papers that they said I was missing and faxed the papers to them. It was Mrs. L of Litton loans idea to white-out the dates and send again. on June 07, 2010 Litton called and It took until June 11 for me to talk with a person. I talked to a Mike D who said that my request was denied and my house would be sold on June 20, 2010. I know that June 20th is Sunday, but that when they said my house would be sold. On 06/15/2010 litton loans called and I answered after one ring, but no one talked on Littons loans side. Then, again on 06/16/2010 Litton loans called again, I waited until two rings and answered, but no talked on Litton loans side of the phone. I waited for about 2 minutes talking into the phone, no one talked back. This is the type of thing I have to deal with all the Litton loans. I called many time during the modification process, but no one answers and I left messages with no call back from Litton loans.

We have been with Litton Loan Servicing for about three years...our experience with them started turning sour around November 2008. We, like many folks, got our home with an arm so we knew our payments were going to go up. When the time came we wanted to refinance but even though our credit was great, our income-to-debt ratio was out of balance so we opted to modify. They told us in paper that the process was going to take about 90 days. I can laugh about that one now. Here we are: over 500 days later. They started with giving us a "trial modification" and as long as we made on time payments we were still considered for the modification.

Unfortunately about a year ago my husband and I had to make a decision about our finances and we decided that we had to file for bankruptcy. I contacted Litton Loan as well as every other lender we had to give them a heads up and ask them what the repercussions would be and Litton "documented" that information and informed me that as long as we keep them posted and as long as we made our payments all should be fine and as long as we plan to keep our home. For months I was on the phone with them giving them more documents, repeat ones at times because the other ones were too old, faxing, printing, talking-it was EXHAUSTING! They wanted more and more each time. Well, after struggling to get every single document they asked for, minus the blood of my firstborn, a miracle happened (short lived at best). We got a packet that showed we were approved for a loan modification.

The loan would go up for five years but then it would be fixed for 25-I was finally BREATHING!! Our BK attorney asked us to send it in right away and less than a week later we filed for bankruptcy. Well, the reason I say it was short lived is because less than two weeks later we get letters stating that Litton has permission to "accelerate" and are going to proceed to foreclose on our house. I don't know what these people are up to but they do dirty unethical business! I called right away and they said because of the bankruptcy we have to start all over again- I WILL NOT GO THROUGH ANOTHER 500+ days of paperwork AGAIN! The paperwork with the modification had no indication or warning that if we filed for BK that the agreement will be null and void as they said.

The lady on the phone, Tanisha, did her job as best as she could but the empathy bone was missing from her body-which of course made the experience even worse. I did not get off that phone until I got someone on the top to talk but even then they don't address you and they just say, "This is Daniel"-WHAT? Do I have to review everything all over with you? I felt and STILL feel like a broken record with this company-I'm so burnt out! As of now they are going to proceed with foreclosure unless we come up with a crazy amount of money up front or start the documentation again-they aren't getting any money-we don't have it! We are so willing to pay but we will not be bullied!

I can't stand this company-they are dirty, they take a lot of short cuts and are not qualified to deal with people. Is there anything we can do about this? I have no idea how Class Action Lawsuits work but I'm in! We don't have money for an attorney...I just want to pay our mortgage and have peace knowing it's not going to change from month to month! Any ideas? Please help! Sad to see so many people in the same boat!

I have been trying to modifiy my mortgage for 13 months with this company. Under the governemts modification programs we are elligible for the modification. The problem is that Litton continually delays the process by requesting more information that they already have. I have proof showing they received the information but they just refuse to move forward to aviod losing profits.

On several occasions, I have called LLC in an effort to correct this situation to no avail. As a result of my last conversation with Vernon Forbes, and his acknowledgement that I received a letter in Novermber of 2009, stating that my reduced modification payments would start in SEPTEMBER of 2009, two months prior, my modification payments would start in April of 2010.

The modification payments for April, May and June of 2009, were due on or before the first of the month. As of today, June 14, 2010, these three payments have cleared my bank account and all were made before the first of the respective month. Based upon what I have read in the numerous complaints, it will be interesting to see if I get the modification.

All my paperwork, like others, had to be sent in more than once before I received an acknowledgement that LLC had received all the necessary documentation. The emotional strain goes without saying. To loose one's house, through no fault of their own, is devasting. The economic damage are the late payments and penalties that are allegedly due.

This company has been an absolute nightmare. We applied for a loan modification in 2009, made our payments on time and were then turned down. No reason was ever given. All of the payments that we paid to them during the trial period were NEVER applied to our account, and late fees and penalties continued to accrue. Then, we went to a company that does loan negotiations. We started the process with the company in Sept. 2009, and then in April 2010, we were finally offered another trial period for 3 months.

It has now been 4-1/2 months and still no modification. During all this time and with all the "trial payments" Litton has not applied any of the payments to our balance, which just keeps accruing to astronomical amounts since we have been trying to "modify" for 12 months now. So far, Litton has been shady during the whole process, saying they don't have the IRS form when we faxed it 6 or 8 times or coming up with yet another form that they never requested. I am thinking they are just skirting outside the law and have been getting away with it for far too long. I really hope they would get nailed with another huge lawsuit. I think thousands would come forward with complaints against this company.

I applied for a modification back in Oct. 2009, sent in my lump sum to begin the process and was told it would take 90 days. After making my payments on time as agreed thru the new terms, I called in November and December to check my status and receive my new paperwork, I was told that some paperwork had not been received, this was after I had been told previously that all paperwork was received. Each subsequent week I would call and be told a different item was missing.

Finally I was told all items was in their imaging system and my case was under review. Called back in Feb., after still making my payments on time and was told that my modification is in denial status due to papework that was asked for but not received. Keep sending in my payments because they had another alternative. Lost my job in May and now I'm behond on payments, checked my balance in arrears and the difference between mod. payment and reqular payment has been adding up for a year now and it shows that I'm not a couple payments behind, but more than ten thousand behind.

Once it hits foreclosure, I'll never be able to come up with that much cash at once. So I guess they'll take my home and put me and my family on the street, as was the plan all along. Due to my loss of employment, my marriage is in ruins. This will be the straw that breaks the camels back if I'm foreclosed on.

I'm a survior of Hurricane Katrina, and I thought that living threw that was horrible, try dealing with the low-lifes of LITTON LOAN SERVINCING. My prolbems begain after Hurrican Katrina, Litton withheld insurance checks and applied them to the mortage. I had to file a complaint with the Attorney General to have the funds release to me. Due to the storm I needed a loan modification, I had to pay a loan modification of $345.00, now three years later I owe them an additional $269.00 for some bogas inspections & fees. The dates that they claim to have done an inspection, I had not even began to rebuild. Had someone really did an inspetion they would have already known that the home is no longer a double home, but a single home. Litton still has the property listed as 2115/2117 and there is no more 2117. They would still be looking for 2117 til this day and would have contact me questions, but they did not!

just a little history but as far as my CURRENT DRAMA, I lived in NEW ORLEANS, it's HURRICANE SEASON and my escrow FLOOD INSURANCE is 30 days past due. 45 days before the policy expired, The policy company Allstate sent Litton a notice,30 days before the policy expired the insurance agent sent Litton a renewal bill. March 24 I receive a notice from Litton that I do not have flood insurance & Litton was securing it for $1200.00 I called & spoke with Litton CSD to inform the Insurance dept. of my current flood insurance with Allstate and that Allstate is awaiting Litton to may a payment in the amount of $430.00. I fax the bill over to Litton with attention to Irene the Insurance Dept. Manager.

Today 06/09/2010 my flood insurane stil has not been paid. I call back and spoke with another CSR whom said that Litton has mailed the check on Monday. MAILED! My insurance is 30 days late and they mail the check regular mail, not overnight or an electric transfer. MAILED! I will not pay three time what it cost because Litton has fail to pay Allstate in a timley manner. Allstate not reciving funds on time. I will have a 30 day waiting period, and it is already Hrricane season& a new policy decrease my coverages.

We purchased our house with $30,000 down under an ARM, Dec. 10, 2004. Selling price was $115,000. We had a set schedule of morgage increase that was very resonable. The intrest rate was 8.5%. We purchased without an escrow plan. We were with Ameriquest. We had never been late on a payment. We were later sold to Litton Loan via a letter from Ameriquest. On the first of the following month, my spouse called Litton to make the morgage payment. He was told our information was not in the computer yet. Therfore, she could not take our payment. He was told to call back in 10 days. He called back on the 10th day, Litton told him he had late charges and was considerd late on his payment. The nightmare began.

After a long argument,the Litton Rep. said she would waive the late fee this one time as a favor. When the 1st statement came, it had the previous month as a past due and the payment had increased. When we called, yet again the issue said it was being resolved, but it was not. We had to call every month. With each statement recieved, the monthly amount due was different and it continued to show a past due. Then, they forced homeowners insurance when we had home owners insurance. We reported that as instructed on their site and called. An escrow was created with insurance and property taxes. No amount of phone calls was remedying the situation. All our morgage payments started being applied to this escrow account. Nothing was being credited as a morgage payment.

One day, we recieved a letter from Titanium (the name may be wrong)stating that Litton had contacted them for a morgage modification to prevent forclousre. What forclosure? I worked with her, paid the $2,400.00/completed all paperwork and wrote the hardship letter. Litton wanted from my small retirment fund. The new morgage payment was 100.00 more than the org.. We made the first payment as agreed and it was once again not applied to the morgage, but to this escrow fund. When we called we were told to call the escrow department to get it back.That was a waste of time with escrow. A few days later, we recieved a forclosure notice. The sale would take place in a few days unless we had the full amount of the loan. Our only recourse was to try and file bankrupsy.

So, I again pulled from my car payment and paid an attorney to file bankruptsy. After missing work and the time consumption, the bankruptsy was granted. This of course brought our credit scores down 200 points along with the neg. reports from Litton. The payments on the bankruptsy was 600.00 a month plus the demanded morgage payments that Litton increased by another 100.00. So, in all we now have 900.00 a month morgage payments pluse 200.00 escrow for a total of 1100.00 monthly. Up from the org. 761.00. The two combined payments were beyond what we could afford. I was already working two jobs. I again, pulled from my retirment fund to make these payments.

After a few of these payments, my spouse's company closed. He found another job, but at $30,000 less per year. During this of course we had let the bankruptsy discharge and once again, with in days Litton sent a forclosure letter. We tried one of those companies and of course after paying them 1,000.00, they kept telling us to ignore the forclousure letters. I called Litton and they agreed to let us pay them 2,400.00 monthly for 10 months plus the monthly morgage of $1,100.00 and she put a hold on the forclosure. This was great if we did not want to feed or provide water and electricy for our children. I called the Morgage Relief company to let them know I would have lost my house. They of course swore I was wrong. I reported them to the BBB. This lead to us making a payment, not the full, but what we could.

I called the HOPE line. That person was of no help. She told me I needed to take the day off workand speak with Litton. This had already been done. I then contacted one of the other consumer help lines. I recieved no phone call back. We tried to redue the Bankrupysy, but that was still not a good option. So,I found another company, paid them their fee out of my savings. Then the Obama Plan came into effect. Well, we do not have a FHA or Sallie Mae loan. We did not qualify.

After one year of negotiations, Litton did agree to another modification. The paper work arrived one month late and the first due date had already past. I notified Litton, completed the paperwork and made payments. Then,we did not hear anything. I continued to make the esclated 1,365.00 payments monthly via western union. We then recieved a short sale form. We called, they said great we recieved your monthly payments, but since your first one was late we need to start over again. So, here we are at this point again. I sent in the forms. Last week we recieved another set. I completed and sent via priority on 06/05/10 and faxed the same set today 06/07/10. The paper work stated that no forclosure procedings would take place during this process. Guess what? A letter arrived on 06/05/10 stating forclosure had started. The total amount due and past due were inaccurate even from their website. I am praying hard for thier cooperation.

This is my first home and I am in my forties. I am almost finished with my bachlors. My spouse now has a wonderful job. We are almost on our feet again. But these payments exceed more than 31% of our income. We have gone from 761.00 to $1,365.00 in 3 years. I have emptied my retirement and savings to make house payments. I have let my car go back as a reposion so I could afford these payments. My spouse sold his to help with the payments. He now drives a 1992 Ford from a 2005 Dodge. We are ok with this, but Litton never seems to honor their word.

This has caused us to miss work. My days are consumed with emotional and mental stress. I never know what Litton is going to pull next. My credit score is so bad now that no one will refinance us. It has compromised my daughters grades at college due to her having to work so much to pay for expenses we had saved to pay. The money is now gone. I live each day in fear that maybe when I come home there will be another attorney letter in my mail box. Even the repairs to the home that my homeowners covered, Litton made it difficult to obtain a contractor. We still have a hole in one wall that is still in need of repair because of the plumber sent by the Homeowners insurance. I miss work, spend lunch on the phone trying to keep my home. I would like to bring my credit score back up so I could refinance. This has been a long nightmare. I do no live in a expensive home either.

As of 6-6-10 I cannot access my account history nor can I email them for questions. The only thing i can do is call. Aren't they violating my rights as a consumer to view my account history online?? Also, they have failed to report any history on my statements for long while now. Everytime I asked about this they said I can view it online and that they would fix this (which has never happened). I used to be able to view my account online, now I cannot even do that. What can I do?? Please help.

I have requested a loan modification through Litton Loan Servicing on 3 separate occasions over the last one and a half years. I have been denied on all 3 occasions. I have requested detailed reasons as to why I was denied as well as the values used in their analysis and have received very vague and conflicting responses. For example, I have two conflicting letters stating that one of my loan modification requests was denied because I had sufficient income to pay my mortgage, although my mortgage, prop. taxes, ins., etc. far exceed the HAMP guidelines, and another letter stating that they were unable to make the necessary adjustments to bring my mortgage down to 31% of my gross income without going outside of the HAMP guidelines.

I have received nothing but bad attitudes and bullshit excuses as to why they wont' help me. I have had excellent credit until I lost my job last year and fell behind on my mortgage as well as other financial obligations. It has become obvious to me that Litton as well as my lender will not help regardless of what Obama and other government entities are telling the public. My wife operates a child daycare out of our home and we rely on her income, as well as mine, to survive. Should we lose our home we will lose her income and her career as well. And as far as the Attorney General's office is concerned, they are a joke too. It took over 7 mo's for them to respond to a request to give me advise as to how to pursue Litton and their unwillingness to help us. Their response was nothing but to be careful on those companies out there who scam people on loan modifications.

Unfortunately, I have already been there and done that. These banks who got us into this position need to be held liable to get us out. Oh, I was also sent a document of a CPA firm, who I have never heard of, who apparently vouched for me in order to get my loan in the first place. What do you know, another banking scam. Litton, you're going down even if it takes me the rest of my life to do it!! You are all crooks who take advantage of the American public.

I am six month's behind on my mortgage and credit cards. My credit is destroyed and I risk losing the home that I built and my family of four as I know it because of the bankers greed. I suffer from anxiety and depression and a life of anguish. Why the hell are these bankers still getting their huge bonus payouts paid by our tax dollars? What the hell is wrong with our government and their greed too?

I purchased my home in June 06. May 08 I started the trial modification process. I did all the paperwork and made all the modified payments, on time. After 6 months they said they could not do my modification. I have been tryiong since with litton and threw NACA, and have gotten no where. This is my first home and I love it dearly. I dont understand why the bank would want to forclose on a home when they have a home owner who is willing to make the payments they requested! I have no idea where to turn now that naca and litton are no where to be found.

If we are going to do anything, we had better do this before the President runs again. If he is not elect, then the loan modification and the refinance are gone too! Modification Fraud! Our problems have been us fighting independently and we need to fight as a group. I have nothing to lose, but my homes and so do you. We need to start our own group to fight Litton loan Services and all of these big companies that promises us a modification plan. The President put the money out there to keep us in our homes. Start sending our money to the Attorney General to hold for an excellence lawyer in a saving or checking account.

Let them know what our struggle has been. Then, when we have enough money to fight as a group, we fight as a group and not independently. This has not been done before and what we have been doing has not helped. But as a group, we can go far. I do not trust a lot of people and what is the Attorney General going to do if we ask them to start us a saving or checking account to fight these big mortgage companies, which is thinking about nothing more then making their pockets fat. We will continue send this money until this loan modification fraud come to an end.

What Litton and these big companies are doing to it customers is wrong. If I got to put my money somewhere then, this is where I want it to be. We will ask for a saving or checking account that will only be used for the attorney as a group and nothing else. What are they going to do but send it back and we will send it back to them? We will ask the DC Attorney General to do this and Not State. The only way to get anything done is to bug the hell out of AG and they will listen. Sad, depression, crying, no motivation, no family or friends contact, and sleeping for a week and want too continue if I did have to go to work for my sons

lost my job 2 years ago. For the past 2 years. I have been tried to get a loan modification From litton loan. 3 applications for modifications and several phone calls and letters later. My house is being foreclosed. I started in November 2008. I first applied on the website and got no response. Later in January 2009 I followed all instructions exactly and submitted a loan modification application. They pretended documents were never received after faxing 3 times I sent them by registered mail and got a receipt. On May 8th 2009 I received a package saying the modification was cancelled if I did not reply by April 30. The enevelope was postmarked May 3.

I got a trial modification and made payments for 3 months . It was cancelled because they said there was no form T4506. I spoke to a representattive who saw the form and in November 2009.I reapplied again in January 2010. This time I was rejected because the value of the home had decreseased. Is that the point of modifying the loan. My house is now on foreclosure. I do not know how to proceed

I send all of the paperwork in and sometimes more then three times OR MORE. On May the 17th 2010. I was asked to decided if I wanted to stay with the Custom Plan Modification or go with the Hamp Modification Plan. I asked Litton what was the Hamp Plan. It was stated to me I would have to start over. I stated to him I could not go through this again. The stress for a $1000.00 dollars deduction a years was not the headache I wanted He stated I needed to send it in and I asked for the fax number.

I faxed it in on May the 17th not knowing he was going to be off and would not return my call in 24 hours in which his asking services stated. Check my phone and cell records I called. I am the mother of two boys, one which will be getting ready to be 14 and the other 8 with has hearing loss. I know he work for Litton, but is Litton just that mean and money means more then the people they stated they wanted to help.

I am a mother with two children. I started this mortgage in 1988 with my husband which was in the Army, I wanted to keep a roof over my head and he found more things important things to do. We started a family in 1996. We had some problems but I did everything I could do to keep this house for 22 years.

Litton Loan told me to let them do the Loan Modification because it would save me some money, or let some outsid company do it, so I did. I did everything they asked. I send it several times(papers and all the informations they asked for they continue to misplace and found later) so many times I lost count. I called every month because I found out that sometimes the person on the phone was not trying to help me and so I called backed and hoped I would get someone who cares or can help me. I called and faxed everything they needed. They acted like they did not received the informations or I did not talk to them every month. LITTON LOAN SERVICES NEED TO BE CLOSED DOWN AND WE NEED TO TELL OUR PRESIDENT AND THE WORLD WHAT THEY ARE (LIARS, THEIF, CROOKS, HOME OWNER FRUEDS)send them to jail

I refinanced my home with American Equity in Kansas City in December, 2003. The first month payment was to go to New Century. Within 2-3 months, it was to go to PCF? in South Carolina. Then it was sold to Litton Loan Servicing. They made such a mess out of my mortgage that the only thing I could do was file Chapter 13 to save my home. I filed Chapter 13 in December, 2004 and emerged from Chapter 13 in October,2008. While in bankruptcy Litton refused to give me information on my account. In October, 2006, my father passed away and left me $130,000+. I contacted the attorney of my father's estate and asked them to offer Litton a settlement of $130,000, and they sent an appraiser out who appraised my home at $115,000.

I heard nothing from Litton, except a form letter wanting my financial data, even though I was in bankructcy. My father's attorney released the $130,000 to Litton and they applied $101,000 to principal, aproximately $5000 to their attorney, and the rest went to late fees, interest, etc. I felt that I had been charged twice on late charges. After paying $130,000, plus approximately $50,000 in payments, and borrowing to pay off the house, I owned about $30,000, but the pay off was over $32,000, including a $100 for a lien release. I now have my loan with GMAC at 5 1/4%, and I am paying less interest on $64000, than I did Litton at 8 3/4%. This was a fraudulent loan, as I found out American Equity told the appraiser he needed a $200,000 apppraisal and they came back at $190,000. My research showed there had been no homes in my subdivision that even came close to a $190,000 sale price, and had gone to Bridlespur and Red Bridge for comps.

I attempted to contact FHA, FBI mortgage fraud department, Missouri Division of Finance,and no one would help. Another thing Litton would do, was charge the same amount for monthly interest, whether it was on the first of the month or 20th, and I even noticed that as early as on the 12th of the month they added late charges, even though it wasn't late until after the 15. I have contacted Senators Bond and McCaskill, from Missouri because if Goldman Sacs is being investigated for defrauding investors, how about Litton Loan Servicing. Why would they be exempt from defrauding their investors, ie, homeowners. It is my understanding that Litton is more than a servicing outfit. They actually purchase substandard mortgages at 30-40% of the value and do all they can do foreclose. In this day and age, how else could a company have started in 1988, being worth virtually nothing, and selling out to Goldman Sacs in November of 2007, approximately 19 years later without having defrauded a lot of people. I attempted to find an attorney to file suit but was unable to find one. I see Litton as having violated the terms of the contract, violated RESPA, charged fraudulent charges, and in general cheated me out of thousands of dollars.

We had loss of income and talked to LLS to see if we could refinance because we were unable to make the payments we were told there was nothing they could do so we contacted another company that for a fee would mediate for us with LLS but they were getting the run around too.This was worked on with a mediator telling us what documents were needed they were in contact with LLS as were we. Over some time the third party went out of business but our modification had gone through.Then LLS contacted us saying the house was in forclosure and we needed to pay them 7,000 to keep the house.The mediator was contacted and was told that out mod. had gone through and that LLS would contact us to close the mod. loan.

We went back to LLS they said no the mod. was denied because it took to long and we did not do it in a certain amt. of time.So LLS told us to reapply for a mod. loan we resent all the paper work again and then got phone calls saying that we did not have the right info. or we didnt fill it out right.ALL paper work has been sent to them time and time again this has been going on for months with no one person answering the questions and often gettig different answers from mant different people.

After complying to all requests and many trial modification payments we have again been denied now we owe them 18,700 to keep our home.When I contacted them they said the paper work WAS in and all I could do now was contact them weekly to chek the statis and see if maybe they would recheck the file and realize everything was turned in.I have also on 3 occasions asked to talk to a manager or someone who is dealing directly with our case and I was told there was no one they didnt have a number to be contacted.This whole thing has been a mess and we still have a loan lawyer fees and other costs to pay them and no modification.

From a Web conversation: Litton Loan Employee #1:"I actually work at Litton as a Loss Mitt Specialist: These loan modifications take longer than the 3 month trial period a lot of times because there are just too many to handle! I don't know anything about collections or the way they handle the payments but I know our department is working hard to get these mods complete!"

Litton Loan Employee #2:"Also, a lot of these bad ratings are unfounded. For instance, the BBB claims that there are all these unanswered, unresolved complaints. This is just not true, because when I worked there, I was the one who answered EVERY SINGLE BBB COMPLAINT LETTER. And my numbers were fantastic....used to work for Litton, and it is a good company, run by good, honest, hardworking people. I used to read complaint letters from mortgagors all the time, and 99% of the time, their complaints were unfounded. If you signed up for an interest-only loan or an ARM loan, and your payments go up, it's YOUR OWN FAULT. This is all [expletive]. Litton is one of the highest rated loan servicing companies in the country. Every late charge, inspection fee, interest rate increase, etc. that people are charged is WRITTEN IN THE ORIGINAL LOAN DOCUMENTS. Most people are just too stupid to read their loan note."

American people, Litton says you're not only stupid, you are all lying and they are better than you! You heard it right here! Tell me, Litton employees posting, do they also instruct you to intentionally manufacture defaults so you can foreclose on homes? Is that also part of your training?

I was NOT behind on my payments when I called to make a payment, which is only a few hundred dollars a month and you told me I needed SEVERAL THOUSAND DOLLARS to make my loan current, and WOULD NOT TELL ME WHAT MADE UP THAT AMOUNT! And that was just your latest stunt. I HAVE A RIGHT TO ANY AND ALL INFORMATION REGARDING MY ACCOUNT! After I got an attorney involved, suddenly that supposed several thousand turned into a few hundred, wow, funny how that works, eh? And I am one of THOUSANDS you [mess] with daily, but unlucky for you, I have the resources to fight! So don't you tell us what saints you all are and how hard you work. Your company is corrupt and criminal beyond belief. We are on to you.

How many people have you needlessly foreclosed on because they did not have the resources, knowledge, or energy to fight you? How many people do you screw with on a monthly basis, adding unnecessary fees to their accounts who don't have the tools to put a stop to your games? Oh, and I am not stopping with just the attorney. No way. If I have to take it to the streets, I will. You are not just screwing with my home--as well as thousands of others' homes--YOU ARE SCREWING WITH MY LIFE, AND I WILL NOT PUT UP WITH IT!

Litton employees responsible for such antics, I hope you all end up right next to Madoff. I know you aren't all like that--such as the woman who dared speak out about how the company was treating borrowers and was promptly fired. I wonder where she is now? But to those who are--the clock is ticking on you. Your time is running out. It's about time to pay the piper. Attorneys, feel free to contact me!

I was contacted about maybe qualifying for a loan modification to lower my interest rate. I sent in all my information when I was asked, only for them to say they never got it, several times. This went on for months. I was paying the modification amount I was told to pay during this process which was less than half my payment. About 6 months later, I was informed that I had been approved for the modification and the amount I had been paying was my new payment and it would take the computer system several months to update all the information so, to just disregard the notices and the bill amount that was sent monthly, to just call and keep making that same amount till it was straightened out.

Then about 3-4 months later, a friend of mine that is a realtor called to tell me that my house was going up for sale at the courthouse the next day. I called Litton and they said they decided not to approve the modification due to insufficient funds. I was able to get the money from family to get it out of foreclosure and now my payments are nearly $300 more a month just to get caught back up. Now I am scared that they are going to put my house back in foreclosure because even though I'm making the payments, it still shows my account behind. Please help me!

My loan is not crediting my payments. I was solicited to modify my loan. I was told I would have a temporary payment of $1500 approximately until the modification was complete. I was not behind on my mortgage. After, I was harassed to return the modification paperwork which I had not done due to the fact that upon completion, the modification was less than $20.00.

Now all of a sudden, Litton can't find any of my payments and stated I owe the $7k plus. They sent some company name Titanium Solution to my home, who were very rude. They bugged my phone, and I have never stopped paying the mortgage. However, they can't find them. I am being bombarded with foreclosure paperwork. Luckily for me, I have my payments sent through the government! I am looking into a lawsuit.

Litton is not crediting my mortgage. They add things to my record and charge me for things I have no clue about. I am flooded with mail and phone calls and am totally stressed out with this crooked company.

Equity One transferred all mortgage loans to Litton Loan Servicing. I have been paying extra each month on my mortgage loan but the extra has not been applied to the principal. For example, my loan payment is $234.58 per month at 7.99%. On March 5, 2010 my balance was $22,893.90, and I made a payment of $375. On April 1, 2010, I made a payment of $275 and now my balance is $22,729.07. Although I have paid $650 only $300 should have went to interest and the rest should have went to principal but my loan has only been reduced by $164.83.

I have called the company and they applied the extra payment to future payments. I explained that I did not want it applied to future payments on numerous occasions, but the company said I have to write a letter each month stating where I want my payment applied. Please help.

My wife missed two payments and sent the third along with some of the difference for the other two payments. They would not accept and attempted to foreclose. They told me I would qualify for modification and to not make payments. I have tried to keep in contact, but either they wouldn't reply or answer and no mail or anything. Three months later, they told me I was missing documents. I sent it all in timely fashion and they put me off for a couple more months. Now they say I owe them $19000 plus fees. They want me to make $2800 payments to repay them for payments they told me not to make. The attorneys won't give me any info and Litton tells me to contact the attorneys. They are being unreasonable and very shady. Ever since they bought my loan from Suntrust, it's been increasingly harder to deal with them and my payment went up every year. I am stuck and they put me here so they can squeeze me for everything they can get and I feel like they will take my house after they bleed me dry.

I applied for a loan modification and got denied in November, 2009. I was told that I did not make enough money and that if I made $1000.00 more each month, I would qualify. If I made more, then I would be able to pay, and therefore, would not need the modification anymore. I have asked for the modification guidelines, but have never received them yet. Could someone help me understand this?

I'm a community activist and I'm writing on behalf of my experience with Litton Loan. I help an individual with loan modifications, short sale, and reverse mortgage. Litton Loan is full of liars and cheaters. They will not return your call, email, or fax. They will send you out letters all day long. They lose information and then act like it is your fault. They transfer you to every department. They will not work with you on reverse mortgage for seniors, which I think is just horrible. I've been working with a consumer on a reverse and the payoff was for $190K. So, it expired because a new lender was going to finance this reverse mortgage.

Several workout companies called to get an updated payoff with no luck. The property went to sale. I called Litton pleading for a payoff to complete the loan. Then all of a sudden they can respond back saying the borrower has no rights to the property and there are no other options available. They want an elderly disabled couple to get out of their property. What has America come to? We are not hearing the cries of seniors who have paid their dues to society over and over again. The stress has caused my client to be sick on top of already being disabled and elderly, because they don't have a place to go.

I started the modification process through Litton Loan back in June of 2009. Litton agreed to give me a modification with the agreement that I make four separate payments to them with an amount $900 greater than what I was paying on my mortgage. I agreed to make the payments with the understanding that I would only be making four payments.

Well, it has been eight months later and I am still making payments of $900 greater. I used to call Litton on a weekly basis just to check the status of my modification. I was told that I would be receiving a packet in the mail any day. Well, that any day has turned into months. Now, when I call Litton, they refuse to speak to me because I have retained an attorney. I can't get any information on my mortgage at all--not even to make my monthly mortgage payment.

I called today to make a payment and spoke to Zak **. He stated that because I retained an attorney, he can't even tell me how much my monthly mortgage payment is. Last week, I called to discuss my escrow account and they refused to talk to me as well. They have completely shunned me. Also, in the last eight months that I have been dealing with this modification, I have received a different answer from every customer service agent.

One agent told me that I had made an extra mortgage payment, and the next time I called, a different agent told me I was behind on my payments. One agent told me I didn't need to keep paying homeowners insurance because Litton do homeowners insurance out for me for the modification. Then, the next week, a different agent told me just the opposite. One week, I was told that I was denied on my modification and the next day, I was told that the modification was still in review. It has been an emotional roller coaster. I did not originally get a mortgage through Litton. My loan was sold to them three years ago.

In December 2008, I requested review for loan modification with Litton Loan Services after a divorce for which was my current mortgage company. Being current on my payments, I was told it would take approximately 90 days. I got the run around. After depleting all of my resources, I had to file Bankruptcy in April 2009. Around June 2009, I got a call ready to review for a trial period. It was truly a stressful event.

We were told that Litton Loan could help us get our loan modified. We filled out all the paperwork, set it registered, return receipt, and never heard another thing from them until they posted our house up for auction. Then they wanted all these fees, late charges, etc. to clear it up. Then they sold the house without even letting us have a reasonable time to vacate.

We certainly qualified to have our home loan modified and we could have managed our mortgage if they just would have even replied. They never even acknowledged the loan or return our calls. We lost our home. It was sold at auction and we were not even notified of the sale or given any time to move out. They came in when we were not home and moved all our stuff in the garage. This was an illegal eviction.

Litton Loan Servicing, which is part of Goldman Sachs, is trying illegally and intentionally to artificially create a default on my mortgage so they can foreclose and cash in on the default swaps. They say, I owe them $4,400.00 to make my loan current and will not even tell me what makes up that number. I am not behind on my payments.

Please, state federal and other investigators, while you are investigating Goldman, investigate Litton and it's treacherous, illegal, predatory and disgusting business practices. They have ruined the lives of untold thousands of people with their predatory and criminal actions and will continue to do so, until they are stopped. Don't take my word for it, just look at all the complaints about them in various internet forums.

I am far from alone in dealing with these people, acting more like two-bit loan sharks than legitimate business people. I am on three different types of medication, I suffer from insomnia, depression, anxiety, cannot think straight, can't have a relationship, can't take part in activities. I used to enjoy because of the fatigue and depression in fighting this battle.

My husband and I have been customers of Litton Loans since May 2006. In 2008, our 80/20 loans were modified and believe it or not Litton are the ones who contacted about modifying our loans. The modification went smoothly.

Well, I lost my job in August 2009, and was declared disabled in October 2009. Since our income had decreased significantly we decided we should request a modification. We were told that our payment would increase for the three-month trial period. Well of course we said no. If we had issues with our regular payment, then why would we do a modification? As I said, we declined, no paperwork was done.

Well in November 2009, an escrow was added to the account. I have been contacting Litton to find out why this happened and to have the escrow removed. I was told it was because we had a recent modification. I told them we had not and they transferred me to Lost and Mitigation; they advised me a modification was not in progress. I was told escrow is only added to an account when taxes or insurance has not been paid. Litton confirmed insurance and taxes have been paid. So again, I did not get an answer of why the escrow was added to the account.

I have spoken with customer care, insurance department, lost and mitigation and the escrow department and my loans have not been corrected as of yet. I can no longer make payments online because I would be paying less than the amount owed. I have been trying to get this issue resolved since November. All they are telling me is it's being worked on. Companies are so quick to take our money, but when they owe us a refund we have to wait forever. Thanks for listening.

In June 2009, we were contacted by our lender, Litton Loan Services. with an offer to apply for a loan modification after our payment shot up over $200 a month on our ARM. We repeatedly sent in the information requested and have the stamped faxes to prove it. Every time we called to check the status of our modification, we were told we needed to send in something else.

All the while, we were sending in our loan payments at an even more inflated trial payment. This was supposed to be completed in 30 days. This started in June 2009 and its now April of 2010. Some time ago, I called Litton to check on the status of our modification again and was told we were approved and we were just waiting on the new numbers. I was also informed that we did not have to pay that month because it was just like buying a house for the first time, you don't pay until the next month.

Today April 26, 2010, we got three letters. Two were stating that we were turned down for the modification and one stating that we are now one month behind and late charges are accruing. This is because since they turned down the modification, that payment now has to be paid! They also said that they have no record of us contacting them even if we have spoken with them 10 - 20 times!

These people are no better than common thieves. These people need to be stopped. Truth in lending means absolutely nothing to them. Please help us! We don't see any way to deal with these guys since they are completely dishonest.

This scam of a company have almost driven us crazy. The mental and emotional abuse that we have tolerated to keep our home has been going on for three years. They paid, paid insurance we paid, paid taxes that we paid. They took this money out of our house payments. I was continually sent notices of late payments, put overdraft charges on our payment history, which there were none and never took them off.

They scared us into foreclosure by telling us that we owed a lot of money which we did not have. Lied on foreclosure notice about being six months late on house payments when we had proof of payments. They forced us to go bankrupt to keep our home. Lawyers fees, ruined credit on top of this, so we cannot go and get another mortgage.

Our lawyer even has not been convinced of their rotten ways. He is not reading articles I have given him about this company. He even seems buffaloed by their attorneys. I told him I wanted to sue them for everything they have put us through. We went to the bank and got every receipt and cashed check that we have paid. We are afraid that we will have to keep paying more to stay here and we are troubled every day. Somebody ought to close them up! How many more victims does it have to take? I will not let them have our home just to make money off of!

I am writing to you regarding my home loan. We bought our home Nov. 2005. We were given a 2 year ARM Loan and in this loan, our taxes and escrow were not included. The reason for this, our loan officer said, is that we would be refinancing in two months in January 2006, and wouldn't need to pay taxes, etc. twice. Diligently, I worked at refinancing the loan in January. Two years had gone by with no luck refinancing. We are being told that our debt to income ratio was too high to even afford our home. At this point, we had made all of our payments on time. Reaching the 2 year mark on the ARM Loan, we received a letter stating that they would be adjusting our loan to basically double the amount we were paying and offered to 'freeze' the loan for 28 years as the actual loan was, meaning no taxes, escrow and insurance added.

We continued to make payments and in April 2007, my husband was relieved of his duties at work. I pressed on about refinancing our loan, as he became employed with a lower-paying job. I pleaded with the loan officer to refinance our loan or move a payment to the end so that we could catch up financially and not be late (as we had worked very hard to make payments on time). We were constantly turned down, repeating that our credit wasn't good enough and we shouldn't even be in our home, because we weren't making enough money to own our home.

Soon enough, we were late on payment. Our loan had been sold so many different times that we couldn't even keep up with who was the one to send payments to. In November 2008, Litton Loan Servicing sent notice that they were taking over our loan. We began sending payments to them and working on a loan modification program. We paid the required amount for an appraisal of our home. We paid over the asked amount for our loan. In June 2009, our first of three sets of loan modifications began. Our loan amount was cut in half and the terms were to pay for 3 months without fail and the loan would be frozen. The addition of taxes and insurance may make the payment go up a few hundred dollars, but all in all, a positive and a way to not lose our home.

We successfully made the payments over the next several months and when I called to follow up on the last payment, they asked for more documentation-claiming they needed more bank statements and pay stubs in order to process the actual loan. We sent all that was asked for and they denied our loan modification, stating that we had made more money (year to date) and they reserved the right to deny or approve. We began the "new" process in September 2009, bringing our monthly payment almost to the original payment shy of about $195. We are still currently paying this same amount, every 3 months being denied for the government assistant loan. We continue to make payments, all the while still making additional payments to our homeowner's insurance and the end of the year taxes (not to mention, they have pre-rationed these taxes and homeowner's into our so-called payments also).

Recently, we obtained our credit score. It was in the mid 400's and stating that we were over 10 months behind, owing the sum of over $20,000. When calling Litton Loan to inquire about thism they stated that we were ten months late on payments. I asked them how this was, when we were making payments. They claimed that we would continue to get late payments because we were a payment behind when they took over our loan. During the time of their 'takeover', we were instructed to wait for the packet to come to us and we would begin payments with them. We did just that, thankful because it seemed to be the help we needed to get back on track and not be penalized with a late payment. No such thing.

We are struggling and hitting major brick walls, just to get a stable loan, and keep our home from going into foreclosure. I feel that we have been scammed and all we can do is continue to be the puppet for this company that shows no light at the end of the tunnel! Our credit is now ruined beyond any point of refinancing. Litton Loan refuses to modify our loan and continues to tell us that the government loan was denied to us. Please help!! We are not freeloaders trying to get a freebie. We are hardworking citizens that are merely a pawn on the scammer's game board. We do not know what else to do, but we continue to make payments while our credit plunges south. I appreciate any and all help/direction/advice.

After being granted my loan modification, Litton sent their regular monthly statement. Because the statement was contrary to the modification terms, I called to make sure that it was accurate. The representative on the phone reviewed the account and confirmed that I did not have to make that month's payment. She stated that after all payments before the modification had been applied, I had a one month payment credit and the statement was correct.

Relying on her information, I applied that money to other bills in an effort to reduce my debt. Within about two weeks, Litton's automated phone system was calling me to tell me that I was one month behind on my modified payment arrangement. After hours of phone work to resolve this matter, Litton admits to the error, does not know why it happened and offers no resolution. I am being charged late fees and negative reports to credit agencies are being reported. Litton is not willing to reverse the late fees for their error. Where do I go from here?

This is over the Litton Loan home modification offer. I have read the complaints online. I have been caught up in this untimely offer and may be close to foreclosure due to Litton's run around. I need help desperately. Maybe, I am close to losing my home due to foreclosure.

Please help! I'm having a lot of problems with my mortgage, Litton Loans company. Ever since we went through a modification that we completed perfectly, after completion we were denied. They gave us our new mortgage amount to pay through the modification period of three months, which had to be paid on time which we did and always have.

We had never been late and the only reason we were going through a modification was because of my lay off from work, due to the company having no work due to the economy. After they denied us after the completion of the program, they demanded us to pay fees that they added on because they denied us. On top of the $2,300+ fees that we had to come up with, they have damaged our credit tremendously. Please Help.

We had requested a workout plan. Litton then sent our home into foreclosure. We have been through three trial modifications, making all the payments and sending in all documents, but at the end of each modification, are declined due to missing documents. We are now awaiting another modification approval or we will consider bankruptcy. Litton will not give us information on our modification and our last "trial payment" is now due. We have not been informed and may have our home fall into foreclosure if Litton does not assist.

After being laid off from my 80k a year job, I couldn't afford my mortgage payment and all my other bills. I purposely missed two payments to Litton in hopes of being considered for a loan modification. I was "accepted" into the loan modification program which required a three month trial period where a new, lower payment was to be made for three consecutive months. Also, I was told to send in my previous years tax forms, profit and loss statements,(I started a small business), a signed form for Litton to be able to pull my tax records, and several other documents. I gathered all of the paperwork, signed each one that required a signature and mailed them to Litton. I made all three "new" payments on the required date.

After four months passed, I received a call and was told that my tax forms were not signed. I faxed another signed copy. Not even a month later, same thing, only this time they needed an updated profit and loss statement for the second quarter of 2009. I faxed that paperwork to them. Now, 9 months into the "trial period" and forwarding the same paperwork 6 times to them, I received a call today and was told my profit and loss paperwork was incorrect and they need an amended copy. I talked to a service rep on Jan. 12, 2010 who told me all the paperwork was in their hands and had been forwarded to a lawyer to make a determination on the modification. The rep I spoke with today said that no rep would have that information about paperwork being put into a lawyer's hand for determination. However, my loan is now over 6000 dollars more with late fees and not making the original payment amount.

There is no end in sight and I urge anyone who has to deal with Litton just one time to retain a lawyer or if you can't afford one, there are outlets in your community that will undertake your case. My next door neighbor bought his house from the same mortgage broker as I did within two weeks of my purchase. Both our loans were sold several times before they landed in Litton's greedy hands. Their mortgage was ** up from day 1. Their down payment wasn't even applied on the paperwork. Litton charged them late fees on the first month payment and they had not even closed on the house until a month later. They haven't made a payment to the crooks in a year and a half and have a lawyer handling their case. They received a letter two months ago that said Litton had sold their mortgage. Just last week they got a statement asking for their monthly payment but had no mention of all the late fees and interest.

One last tidbit of info, Litton cannot provide the original note on either house. I'm sure it was lost during the five or six times the mortgage was sold. If anyone reading this can help, feel free to write me at the above address. I haven't contacted a lawyer yet as I was hoping the modification would have gone through by now. Yes, I know I've been ** so my next stop is the same lawyer my neighbor has. It's not costing him anything so what the **.

My wife and I have been hung up on, insulted and lied to so many times by Litton reps that I feel this is just a ruse and they will continue to tack on late fees and interest all the while they are accepting my trial period payment 9 months later. The Texas State Attorney should be investigating this shell-game company and putting them out of business. If there is another class action lawsuit, I want my name at the top of the list. As I said before, my next door neighbor and I would love to speak with any attorney willing to go to bat for us and we will share our story with anyone who may have any thought of dealing with this company. Thanks for letting me vent, but it won't help. God bless the USA.

I worked on this for eleven months. I sent the same forms over and over again, to the same people, to different people, etc. My interest was going to 17.22 and $3400 a month. As a retired teacher, it is too much to pay to keep a house when I couldn't pay utilities or buy adequate supplies and food and medicine. Now, they are selling the house for half, yes, half of what I owed. I could see myself being completely ruined, by $3400 a month mortgage, instead of just badly damaged by rising mortgage rates. I lost the house and am now a renter.

My equity that they were so willing to refinance via their mortgage assessors, is now completely gone. You can now buy a beautiful home with vaulted ceilings etc, for $135,000. at Candis St. Eagle Point, OR. (The last I heard, it was worth $314,000 at the time of Litton's refinance of my loan. ) How much more ethical it would have been to stop the process before I owed nearly $300,000. So now, I am a renter, with all the things including home ownership, that I have strived for, including going to college and teaching for 30 years, all gone. They couldn't have done much better at ruining me, and the numerous other people on this site.

This company has caused me such havoc. I have filed a lawsuit which was settled out of court due to mishandling of my mortgage and putting me into foreclosure. After the settlement agreement which both parties plead no fault, they charged me attorney fees of over $7000 and called them cooperate fees. They have still continued to post my payments late and charge me cooperate fees.

My escrow accounts remain to be wrong every month and my taxes are off every year. Customer service has not been much help and remain clueless when I call, giving me the runaround. they will not respond to letters. And to top it off, they are holding an insurance check from 2007 for my house damages and will not release even after they received all the paperwork and finished work.

I have sent in payments for my mortgage and they continue to apply to my loan late plus charge me late fees. In 2008, Litton Loan took over my mortgage and I filed a lawsuit which was settle out of court with an agreement to take my home out of foreclosure due to mishandling of my payments. It was settle at no fault and I would still keep my mortgage. I have found out recently that Litton loan has charged me attorney fees which they say is cooperate fees for the settlement. They are also charging me cooperate fees every month. I have also notice that my escrow account that I pay 100.00 to every month for taxes has not been updated nor had my taxes been paid. When calling customer services, they are rude and send you the run around. My credit report still tends to go down due to their mishandling of my mortgage.

On 05/02/09, I applied for the new loan modification program that Obama made. I paid my trial modification payments on time and thought I sent in all my paperwork and then they told me I was denied because I didn't send in paper work that they never told me about. When I called them irate and told them I had fax proof, they quickly put me on another trial modification.

I've been on this one since 11/01/09 so now for another six months and they have yet to tell me I'm approved. I know I'm a good candidate because I'm a mortgage underwriter and I know I qualify and it does not take that much time to approve someone. I'm looking for an aggressive attorney who can make them give me a decision so I can move on with my life.

Furthermore, I've been on escrow all this time and now they refused to pay my escrow. Litton also in the past gave out loan modification agreements before the Obama's plan and did not tell homeowners the escrow was not included until after the loan was modified. I have my paper work to prove it. I know this has happened to other people because when I underwrite I have read other customers saying the same thing. I urged all homeowners to fight back and contact an attorney or your state local attorney general office. Too many people just give up and that's exactly what they are hoping for!

I have been working with Litton Loan Servicing since May 2009 to modify my loan. I have had to submit documents numerous times even after I am initially told that they received them. I was in a trial modification from June 2009 until October 2009 when they submitted a modified loan higher than my current mortgage payment. I have been attempting to work with them since that time and have resubmitted documents again for modification and have received a letter that they have them.

Today, I spoke with them thirty days after their letter stated that they had the documents, only to be told that they do not have everything they need, and at this point, will not finish the modification process before they foreclose. I will lose my home of 14 years because they cannot respond to clients or will not respond to clients. I have never been able to talk to the same person twice -- even when I have requested to call the specific person back. They lose documents, they are holding the money I paid during the trial period and not applying it to my loan. They seem to be in the foreclosure business not the loan service business. They are the worst company I have ever dealt with on any issue and, in fact, dealing with the IRS or the CA FTB is a piece of cake.

i just got denied a modification after being in a three month trial for ten months. I got charged late fees each month but was told that they would be returned at the end of my trial mod. They were not! I never asked for the trial mod they sent me the application saying I was qualified. Doing everything asked of me for ten months, I feel I was misled and lied to the whole time. They have ruined my credit because they reported to the credit agencies that I was behind in payments. Yet, I was paying them every month what was asked of me. I could go on and on but after reading other people's experiences, I think we all had similar experiences.

They keep calling me. I have spoken with different reps and they promised my phone would be removed from their directory. I don't or ever had a loan of any type with them, we rent and don't own. I have this telephone number over four years and the phone calls started this year. I just completely over myself with the continual phone calls (2-3 times daily). It's frustrating to no end.

We have property we purchased in 2006, located in Madras, Oregon 97741. Due to recession, we had to relocate to Grand Ronde, Oregon, to secure jobs, in order to pay for our Madras home. We have been working for two years in Grand Ronde, living in a 28 foot fifth wheel, maintaining our home in Madras, making monthly payments, until the modification program was offered by Litton Loan. Our first modification payment was due in November of 2009. We paid in October of 2009, a payment of $1,111.43, which was $84 less than our normal payment of $1196.95. Prior to that, we were late on one payment. We made three consecutive payments of $1,111.43, then we were told the modification was declined, due to us not living in the home, which they were aware of that, when they first offered the modification loan. Litton then told us they would do an in-house modification, as long as we made our regular payments of $1,196.95.

We were supposed to have the new paperwork for the in-house, in March of this year. We still have no paperwork, and no modification, as of yet. Our money is in a forbearance suspense account, not showing as being paid. They show us as having 5 month of 30 day late, and one payment that was 60 day late. They show us as not having made payments for March and April, although we have bank statements proving otherwise. I called and spoke with someone today who said, as long as we are making the modification payment of $1111.43, our money will stay in a forbearance suspense account, and that we are owing more than $3,000 to become current with our mortgage.

The consequences for this is not fully known as of yet.

Currently, our mortgage is showing late on the credit reports, and our money is sitting in limbo. After reading the consumer complaints regarding Litton Loans, I am sure after paying on this home for almost 4 years, we will be foreclosed upon. As this seems to be Litton's modus. Physically we are drained, emotionally we are drained. We have thrown away a huge amount of money trying to pay for our home, a home which we have not been able to live in for over two years. We have endured hardships, in order to pay for the Madras home. We have a 2500 sq.ft. house that we maintain, and pay utilities on, in order to keep in good order, while we live in a fifth wheel, 150 miles away from our work. We have rent and utilities that we are maintaining here as well. Can something be done to make this right? Is Litton Loan keeping the modification money from the federal government? Then, after receiving the government money, is Litton Loan foreclosing for any reason on said modified property loans? Can anything be done? These are real concerns and questions.

Foreclosed on property although they assured me that it would not sell while modification was being reviewed. I was misled, otherwise, I would have explored other options. They lied and disabled me from exploring other options to keep my home. Children to be displaced from community and school they have grown accustomed to, stress on my marriage, physical and mental anguish, etc.

My husband lost his job on 10/2008. We tried for a modification then and was told we made $43 too much. I tried for a repayment plan, was told I was denied then told it had never been submitted. I filed a complaint with the NC banking commission and emailed every government official I could think of. I was told I had to apply for the modification before any other option could be taken. I applied for the mod and was placed on a trial period starting 10/2009. I was supposed to know by 12/2009. I was contacted in Jan 2010 and told I was denied the government mod but was still in review for an in-house mod. I continued to receive billing statements for the mod payment. I paid on time every month.

On 4/1/2010, I called to make my payment and told I was no longer, as of 1/2010, supposed to be paying the mod payments and if I do not come up with all money, I am short by 5/15/2010 I will go into foreclosure. I have contacted the HOPE hotline and we did a conference call with Litton Loan Servicing. I was told by Litton they should not be talking to me, I need to talk to the Fannie Mae loan agent. The HOPE line person asked for a phone number and was told they do not accept calls and that Litton will email the loan agent to call me (no call yet). If the repayment plan had been accepted and put into effect, I would have had the loan caught up by 12/2009. Now, I am further behind and seem to have no options. Litton is rude, transfers me to voicemail and I get a different story and person every time I call to try to work this out.

I only missed the payment when my husband was out of work, have never been late and now they will not work with me. I have filed another complaint with the banking commission. What can I do to keep from losing my home? I contacted the HOPE line today and made a conference call with Litton Loan Servicing. I was told during that call that Litton should no longer be talking to me, that I needed to talk to the Fannie Mae loan agent in charge of my loan. The person from HOPE line asked for a name and number and was told by Litton that they do not receive calls, Litton would email them and they will call me back. The HOPE line person told me I needed to file a complaint and continue to call Litton daily because they are not being helpful or allowing me to catch up. I called Fannie Mae and they will not talk to me because they are only the investor on the loan. I am getting the runaround and no help.

Please do not use Litton Loan Service. We were paying our loan on time and then I received a letter stating that I was behind on my mortgage, and I had the receipts for my cancelled checks. To make a long story short, I had to file bankruptcy to keep my home that I have had over 20 years. Something needs to be done about this company that can just take your funds and still take your home. Where is the Attorney General of Texas who's supposed to be for right .

First, I want to state prior to the modification that "I was never in default or delinquent." I am not shouting but trying to receive an understanding of the fraud and illegality of the situation to the correct authorities. And yes, banks do make money off foreclosures.

Litton Loan placed me under an unlawful foreclosure/ default. My property prior to the modification process, I was faithfully paying an astronomical loan amount on time, waiting for more than eight months for the modification paperwork to be sent. Once the modification agreement arrived, I carefully read and communicate via phone certain concerns about the particulars of the modification agreement.

Answer: We have three whole months to decipher everything and give you enough time to gather any extra information we may need.

After asking several more questions and going back to the original question four times about payment and the amount if I am turned down for the modification, their answer was the same. After carefully reading and communicating via phone about the particulars of the modification agreement, it was signed, faxed, and sent back along with the first payment of $559.21.

For the last three months, I have faithfully sent everything requested (no matter how frivolous) to the Litton Loan. Most of the items they have asked for was so insignificant that in hindsight, I can clearly state that the Litton Loan actions makes this also a case of fraud (Litton was going through the motions of modification for legal purposes, with the intent not to modify the loan.) and then using a form of extortion after being denied.

Although the trial period was for the months of August, September, and October, Litton Loan seemingly decided not to modify on the basis that they did not get the statement of dissolution of business at the time they wanted. Let it be made perfectly clear that they did not give me a time frame on the letter of dissolution. I faxed the information requested as soon as possible after talking to Litton Loan. Litton Loan felt that since I have a plumber's license (inactive), tax form 1040 inactive license, that I am not eligible, which makes no sense whatsoever.

Litton Loan can tell the business was dissolved for more than a year and made a loss while in existence. All there was left was debt and depreciation of equipment. Even though it was pointed out to the customer service rep, I had to send in dissolution of business which I faxed immediately.

When I found out that Litton Loan was not going to modify the loan and the frivolous reasons why, it was by phone when I called. I received a letter in the mail by their attorneys stating that I am in foreclosure and delinquent in a payment. I called immediately, and they told me to call Litton Loan. This is how I was informed. It was admitted that they have no legal proof of me being notified.

On or about October 2008, when I inquired about the default, I informed Litton Loan that I was never in default in the first place. I always made my payments on time, destroying parts of my life to make the over exuberant amount of the monthly mortgage payment. Then Litton Loan stated I did not make my payments.

I conveyed to Litton Loan that I had and have the proof. This is also a clear case of State Penal Code Sections 518-527 the term extortion: crime of obtaining money by the abuse of one's office or authority. I was told to send any grievances to the research department which will take approximately 120 days at the least for them to research. By the time the Litton Loan research committee researches the information, it will be too late.

It has been conveyed by free legal aid that it gives a very strong impression of being a predatory lending practice, as well as other violations of laws. Litton Loan (knowing they are supposed to lower the payments) acted as if they are complying with the law and then stating "no" to the modification for such a frivolous and insignificant excuse that was misconstrued on the tax return by a lackey (Edgar **) whose only job is obviously to legitimize the illegality not solidifying the modification.

And adding insult to injury, he falsely stated there is a default when all loan payments have been paid. Mr. Edgar never gave me a time frame when he needed the information, yet I faxed it right away. He also gave me a list of other things to send. I faxed the information several times waiting for confirmation. Finally, when I called, another customer service person confirmed they received the information.

It has been stated by several government agencies previously mentioned that this falls under the predatory mortgage practice laws, among others such as extortion. The lender may promise one type of loan, loan modification, or interest rate; but without a good or valid reason, the lender gives you a different loan or under modification states "No" for frivolous reasons. It was expressed that since the plumbing company did not make any profit and they are supposed to go by the whole 1040 tax return (and Litton Loan were to go by the whole 1040 regardless), this is a frivolous reason and needs to be reported to the proper authorities.

As stated previously, I was informed of the dissolution of the modification via phone in late October. Litton Loan stated that it was dissolved in August, then September, then October. Every time I corrected the customer service rep, I was placed on hold and their story changed. Even on the Notice of Default page 2, the defendants backed the date up to 7/1/09; and as one can see from the receipts, I paid the mortgage.

It was evident that every time I called Litton Loan about the situation, they would gather the information from me and give different dates the next time I would call. The dates of their decision would change. After four calls and each time catching the Litton Loan in a lie, they stated I would have to pay an exuberant amount (extortion).

It is noted that they changed their answer every time I called. When I asked to speak to a supervisor, they would transfer me to an extension that obviously led to nowhere. When I asked while the research department was doing their research, how much I should pay, the $2445.00 or the $559.21, they told me "not to pay anything"!

Litton Loan also stated that they have placed the loan back in modification evaluation and that no other action of default, foreclosure, or sale will take place. This is again blatantly setting someone up. Three months from now when they have the current information straight, they will say you missed three months and therefore that is why they are foreclosing.

This is a blatant form of misconduct, where Litton Loan is forcing a person to be in default of their loan. Now, we have received another default/foreclosure letter, just as I predicted, and one we are going through the modification again. I pay through Western Union and mail, and they keep sending it back. Their attorney stated that I can dispute the situation, which I did.

Seeing Litton Loan's past historical venue on how they sell your house without you knowing, I got an Ex Parte TRO. Their attorney stated last week in court that our house was to be up for sale on the 23rd of March 2010. Luckily, I went by my instincts. They asked for 90 days to clear things up from the judge and so they can read my measly 8-page TRO. The Judge granted them till the 23rd of this month for a response since Litton's attorney stated that I have not paid for several months. I replied, "Yes I did." I paid by Western Union due to I did not trust them. I knew they were going to kick it back, because they did this to countless others who complained to Consumer Affairs and the Federal Trade Commission (found guilty).

Since I kept all the receipts, my proof is intact. The attorney perjured herself in court, and as representative of Litton Loan, so did Litton. I never picked up the money, and since it was in their direct account, they were paid. I didn't even know that they were going to sell the house till I was in court and the attorney stated it to the judge. We were to have 30 days due to my disputing the situation and again Litton never told me the modification was turned down for a second time if there was a second time or for what reason.

I looked up the legal procedure on selling the house. I was never notified. Litton has done this so many times before. I was never notified on several items; I had to find out about it by myself through diligence and non-trust towards Litton.

Litton has broken so many laws. Please help not just me but every one who has a Litton Loan. It would cut down so many foreclosures, especially since these foreclosures are illegal.

Our mortgage was sold to Litton Loan in 2006 and since then, we have had nothing but trouble. In 2008, they raised our escrow payments by three hundred dollars a month and this was after we had a surplus in 2007. That problem took months to rite. After a huge change in income, we asked for a loan modification and where promptly denied. Our loan is scheduled to go variable in July and I am very afraid of working with this company.

Because of a loss of income, I fell behind on my mortgage payments. Litton offered me a loan modification to resolve the issue. What they failed to mention was while I was dealing with their 90 day+ modification process, they were going to foreclose on my home. In fact, I didn't learn of this until I received a certified letter from their attorney McCalla ** less than 30 days before the foreclosure date. After dozens of failed attempts to reach them, I was forced to file bankruptcy to prevent becoming homeless from foreclosure. In addition to the economic losses of over $4,000 in legal and other costs, I have experienced severe emotional distress which have made earning a living as a consultant even more difficult.

I have been working on loan modification with Litton Loan for approximately 7 months. I have sent and resent the same paperwork multiple times. Each time I call, they confirm all paperwork has been received. I then called a week later and they reported it missing. Every loan rep gives different information. This has become a very frustrating process. Often times I spend 2-3 hours faxing and writing them letters. This is all while I continue to work so I can pay my mortgage! This is beginning to feel like a set-up for failure.

I would like to say that I had given up almost on Litton. I had been in the process of a loan modification almost the past 18 months. They lost paperwork and kept have me resending. I received trial and then had to start all over again on trial. But there is a god. Today, I officially am modified at 2 percent fixed rate. Thank you heavenly father and also thank you Litton. My payment was cut in half 900.00 drop. God is good. Lots of stress and sickness but the lord is working that part out.

I have a mortgage being serviced by Litton Loan. After I began to fall behind on my mortgage payments due to sudden unemployment and a deeply recessed local economy, I have tried repeatedly to work with the company to have a loan modification granted to me. I have tried to work with them directly and with a third party representative. The original loan has changed hands three times, and qualifies as predatory by standards created in the housing crisis. Even with 65K as a down payment the house is now worth far less than I owe, and not one cent has been reduced from the principal in over three years of payments. All calls to Litton go unanswered. Every published phone number for the company goes to a busy signal or rings endlessly. I have had multiple calls ring for 15 minutes or more.

While Litton will not answer any phone calls, they continue to send automated messages to my personal phone, as well as accelerate the foreclosure process. I have hired a third party negotiator that has sent Litton all required tax forms, personal information, bank statements, etc. to qualify for a loan modification, which by law I am entitled to, and they refuse to respond or confirm the receipt of the documents in order to halt the foreclosure process.

When Litton sent me a letter notifying me of the intent to file a Notice of Default, the letter was sent by certified mail. However, the letter was dated 24 days earlier than the date I received it. This caused the time period in which I could react or prevent the N.O.D. from being filed to lapse, and Litton moved the loan into the foreclosure process. I have tried repeatedly to reach Litton to negotiate bringing the loan current, or to try once again to get them to cooperate with a loan modification. I have had no results. Please help. I cannot reach Litton Loan in order to negotiate my mortgage to a current status or complete the loan modification process. I need to spare my home and have a place to live.

In 2008, my husband lost his job. At the time we had good credit and a little bit of savings. We lost a significant source of income which caused me to fall behind on all my bills and mortgage payments. I continued to pay all the bills on my income alone. I contacted Litton Loan several times in attempt to get a modification. They declined me and said I make too much money and set me on a repayment plan 400 more than my regular payment. This did not help. It hurt us more because I was barely able to make the regular payments.

I tried to pay all the bills but it was like a domino effect and I eventually stopped paying my credit cards just so I can pay the Mortgage and my car notes. In August, I became late with one of the payment arrangements by 2 weeks and they put me immediately in foreclosure stating that I signed a payment arrangement which agreed that if I were late that they could accelerate at any time. Even if it was only late by a few weeks. I had to come up with another down payment to go into another payment plan for the 2000 in attorneys fees they charged me. I continued to pay them the extra 400 as I could but in January 2010, I lost my job and was not longer able to pay the extra and now my income had dramatically changed.

At this time, my credit is terrible and my income was a lot lower. I called to have a modification and they declined it again stating that I didn't make enough money. I called the hope program but received no help at all by Litton loan. They just refused to modify my loan. I recently found another job and they have placed me back in foreclosure for breaking the payment arrangement and sent my regular payment back to me. They tacked on another 2000 + dollars onto my loan for attorney's fee and have told me if I want to pull it out of foreclosure.

I now have to come up with another 4700 down payment and that my payments would increase 401 dollars again for another 12 months. During the time I was in the payment plan, they have charged me over 1500 in late fees. I can seem to get over the hump when they continue to tack fees on and continue to charge me thousands in fees. Now they will not even allow me to apply for any modifications as they say I do not qualify for any. They keep telling me to short sale.

What do I do? I don't have the credit to move and I want to save my home. I am trying my best here but they are killing me here. Help! Where is the Obama plans and funds to help people like me? Excess fees, 2 sets foreclosure fees and Attorneys fees that total in excess of 6000 and Stress.

I had written before about their unfair practices, and it was published. Since then, they started working with me, and I was able to sell the house and get away from them. I can only think that you were a big part of this and want to thank you! I will always look forward to your reports. May God bless you!

On July 17, 2009, I contacted Litton Loan Servicing to let them know my payment would be late, which resulted in being asked, if we wanted to do a loan modification. Because we were not behind on our payment (except for being past the grace period at the time) and since both of us had become unemployed due to the recession, I answered all questions asked to get this process started. Dated July 30, 2009, we received the above referenced information and followed the directions as instructed. From that point on, not once during the process did Litton Loan Servicing, Inc. ever contact us either by email, telephone or letter informing me that any documentation was not submitted or received. Not until I called to make my second trial payment was I informed that indeed, there was documentation that had not been received even though I know I had already sent it.

Never once were we able to speak with the same person during this process nor would I ever get the same answer twice. The burden to modify our loan became nothing short of a full time job, but it was to no avail. We made 4 trial payments, the last on November 30, 2009 for the month of December and on December 12th we received via U.S. Mail registered letters from Litton Loan Servicing that we were in default on our loan and that there was intent to accelerate to foreclosure at which point I was stunned.

I immediately contacted them and even though we had done everything that was asked of us during this most difficult time, we were told we did not finish the loan modification process so therefore, we were in default. We have been married 30 years and have never been late on our house payment. Because Litton Loan Servicing now requires money that we do not have to reinstate our loan as current, they have started the foreclosure procedures through the courts and a sale date of April 21, 2010 has been set to sell our home. We feel that Litton Loan Servicing has not only given us false hope, but has ultimately put us in the position we find ourselves in today. We feel like this is a nightmare we can't wake up from.

Please madame, please sirs, go to your attorney general office in the state in which you reside, and forward a complaint, also please contact your housing authority, or HUD. The people are very similar to JK Harris. They are so hungry for money, and will stop at nothing until someone with authority comes in to what's really going on.

How can so many people have such complaints and no one help them? There is something you can do, consumers are getting smarter and smarter by the minute, don't let this happen to you or anyone else for that matter. You and your family are being bullied. Don't allow them to scare you, and don't back down, call your attorney general office, get in touch with the government, your representatives. These are only blue collar criminals

I have been screwed by this company one too many times! This most recent incident is that I contacted Litton on approximately 2/27/10 to make a payment arrangement so that my house would not go into foreclosure. I spoke to a Natasha A. and she told me that I needed to make a down payment of $1,500.00 by 5:00 on March 5, 2010, which I made the payment by Western Union for that amount. She further said that the arrangement that she was setting up for me would be to make 15 payments of $2,321.57 starting April 5, 2010.

I contacted Litton a couple days later to make sure that my payment had posted and everything was ok on my account and I was showing that my account was set up on a payment arrangement and was told yes and that everything was ok. I received a call yesterday on March 18, 2010 from Litton, informing me that my loan was in foreclosure. I told the person that I was speaking with about the payment and the arrangement and was put on hold and then disconnected. I called back and got a very rude woman who I was trying to explain the situation with her and finally told her that I wanted to speak to a supervisor and she transferred me and I again got disconnected.

I called back again and spoke with a man, didn't have a chance to get his name yet because he put me on hold for 32 minutes and finally I hung up and called again! That is when I spoke to Omeaya H. I explained again the situation to her, although she was friendly to me she said that there was nothing I could do and that I should have paid $3,000 to avoid foreclosure. I asked her why the other agent didn't tell me that because if she had I would have borrowed the extra money and paid it!

She further told me that I could reapply for a loan modification but that my house would still be in foreclosure and that if the modification didn't get processed by the foreclosure date that they could ask for an extension in foreclosure but that they couldn't guarantee that it wouldn't still foreclose. She said that my other only option was to call back on Monday the 22nd of March to get the legal fees that have yet again been added to my account and that I would have to make another large down payment and that she could put me on a payment arrangement. My point was that I already did that before, it went into foreclosure and it seems like they just are trying to get more money from me that I don't have!

I am trying to do everything to keep my house and am tired of this company continuing to do this to me. They did the same exact thing to me last year and I just went with it but I am not going to sit and just let them do it again! I think this company needs to be investigated! My husband and I are self employed and really struggling right now and they are just putting me in more financial hardship. All I want to do is be able to make my house payment! This is our first house and I have children and don't want to lose this house!

I have been working with Litton Loan regarding a loan modification. I am now reading this site and it terrifies me to see everyone has had the same problem I had. Initially I sent them all the paperwork they requested and was assured they had everything and it was processing. I would call back to check the status and be told a signature was missing or they didn't have something. I would send it again. I call back to verify. I call to recheck status and was told the same signature was missing, needed additional paperwork.

During the modification process, my mortgage was reduced from $1008 to $676.06. In January, I called and was told I did not qualify for the government modification but they were looking into an in-house one. I was specifically told to continue with the lower payments until I received the final approval or denial. I have been calling routinely and been told it's still processing.

Last month, I received a 'foreclosure' notice saying they may be starting foreclosure proceedings. I have never missed or been late for a payment. I called the next day and was told everything was fine, to disregard the letter. A couple of weeks ago, I received a letter saying my escrow account is now short and my mortgage is going to increase by $200. I called this morning, 3/18/2010, and was told, "you are behind, you should have went back to paying $1008 back when you were first denied". I told them that is not what I was told.

My March statement shows amount due of $676.06. They acted like they didn't hear a word I said. So, not only are they now saying I need to pay the $1008, but I will also be paying an additional $200 for escrow and if this other modification fails, I will have to pay back all the money I have been saving since 8/2009. I don't know what to do. I am at a loss. I didn't choose this company. Suntrust sold me to them. Also I have a fixed mortgage or something called Earned mortgage where my rate wouldn't go up but if I made my payments on time, it would go down which it has with Suntrust. When they first sold me in 5/2008, Litton tried to say I was in an ARM rate and I had to write a letter to them denying that fact and they cleared it up and said you are right. Now today after all this time, this woman wants to try to pull that stunt on me again. Please help.

When loan was bought, we had never been more 30 days late for the past year. We were hoping to get rate lower than 11.999%. We put about $30,000 down when buying house in Nov. 2006. Tax value now is $186,000 and owe $118,500. We have about $66,000 in equity. Our payment is $1564.07 and when Litton first informed us that they now owned the mortgage, we were two payments behind and pending foreclosure. We need to make two payments and about $1000 in late fees. Payments had been made but to Popular Mortgage instead of Litton. They said that isn't their problem, it's ours. In 11 months, late fees total about $13,000. They said they didn't get the payments, even though the bank showed they did.

I had three-way call with Wachovia and Litton and straightened it out. Then they said they didn't get payment and had ko record of three-way call. It took four months to straighten out. This did continue with other payments. I paid a large amount to keep it out of foreclosure ($3000) which caused us to fall farther behind because of this. Applied for modification in June 2009. I called to check on it but they had no record of us ever applying.

In July, I was told if we didn't agree to cash repayment plan, they would foreclose on us. If we agreed to repayment plan, they need a letter saying that we were not interested in the modification. Louis said without the letter, they couldn't do the repayment plan for us. We agreed to plan and faxed requested information and one payment then we would need to pay $1,999. for 18 months which cause us to get farther behind.

There is more to what happened. They foreclosed on Nov. 3,2009 while sending in mod. paper work requested by LLS on Nov. 2. Currently in Lawsuit with LLS. Lawyer needs more money to continue. LLS wants to settle lawsuit and forget the foreclosing. We want to continue. They want us to set up repay plan that adds over $700 a month to our payment for 30 months. That's the only offer they will give us. It's strained 29 year marriage almost to the point of divorce, caused depression, sold wedding rings and other items to pay for lawsuit.

I can't continue unless lawyer gets more money. I'm lost at what to do next. I want to take it to court because we have kept documentation and felt we could win. I would like to keep this from happening to others like it did us. Someone has to stop this. It is wrong to have to suffer this way. I'm 54, my wife is 57. It would be great to enjoy our family, travel and possibly retire some day. It won't happen to us but will happen for Larry Litton I'm sure. It's wrong, wrong, wrong!

In February of 2009, my husband was laid off from a local airplane manufacturer. I withdrew all of my retirement money in an effort to keep our mortgage payments current until I could be approved for a modification. Like many of the people who have posted their stories on your site, I was told to wait until Litton had the information from the government before submitting my information to them. It did this, and in late April, not only faxed my information, but sent it by certified mail as well. Then, the wait!

I called weekly and was told for four months that it was being "processed". Each time a different person would give me a different story and I also was told numerous times that they did not have certain paperwork, although I knew that they had to have the paperwork! In August, I was approved for a trial modification period in the amount of $797 a month. Luckily, my husband found another job in September. Although, he didn't make as much as his last job, they almost doubled our "trial" modification to $1,473.00 a month for another three months! I was told that this was 31% of my income (although in actuality it was more like 33%).

I have to note that I bent over backwards for these people, giving them everything that they ever asked for and made my payments every month on time! After submitting all new information to these people in January, last week I received a nasty letter with new forms to fill out again - as if I had never submitted anything! I was told to contact them within 48 and that I had 10 days to get them the information they were requested. I had just sent it to them two months before. Nothing had changed! Three days later, much to my surprise (or dismay), I received a Letter of Default With Intent To Accelerate!

When I called them, the customer service(? ) woman I talked to kept arguing with me and telling me that just because I was in a trial modification period didn't mean that I wasn't responsible for the overage that I wasn't paying during that time! They want almost $7,000 in 45 days or they will foreclose on my house. I even asked if that was their intentions and she said yes! She also tried to tell me that they were "trying to help" me because I didn't qualify for the federal program. Well, I most certainly did qualify for the program because my original mortgage payment had been almost $1,800, 40% of my income now!

Anyway, I was given the name and number of a woman in Loss Mitigation. After going through the same runaround with her and verbally verifying that the information I gave her had not changed she told me that they had 30 days to decide whether they could help me or not. I asked her why I had been making payments and why should I make another one in April. She stated that I should continue to make payments because it showed I was "making an effort". What had I been doing during the months before, and what good did it get me? Well, she called me two days later and told me that they could offer me a "modification" of my loan. My interest rate was going to be reduced to 6.625%, not quite 1 point below what I was already paying, and my payments would be $1,685 a month! This is $200 more than the $1,473.00 that they said was 31% of my income just two months before!

There is absolutely no arguing with these people and she couldn't or wouldn't admit that their calculations were wrong. It was actually 37% of my income and less than $100 of what my original mortgage payment was. No way could I pay this and she knew it. So, she asks, "are you saying you don't agree with the terms of the modification?" I told her no and she said "well, I'll just tell my supervisor you don't want it!" Can you believe these people? She kept saying that the payment was based on the information I gave them. A third grader could do better calculations than these people.

So long (sorry) story short, I am going to lose my house. I am, like so many others, cutting my losses and walking away. I have no other choice. I am going to be trying to set up a website to compile names and numbers of people who have had similar experiences and try to get a class action suit again these idiots. I don't care about making money off of them. I'll donate it all if I have to. I just want these people to stop doing this to people. I am lucky that I have another place to go. Others are not so lucky! They placed my loan in default with intent to accelerate. I am being forced to leave my home as I can no longer afford it. This has caused great physical and mental stress to both me and my husband, affecting my work, my sleep, etc. These people really need to be stopped!

I contacted Litton Loan Servicing back in May of 2009 to apply for a loan modification to lower my monthly payment and interest rate. I submitted all the paperwork for review, and was placed on a 3 month workout plan since I "do not qualify for Obama's homeowners' relief effort". This "plan" is supposedly designed to help Litton determine my monthly payment and interest. Although I was told I qualify for a modification and have completed several trial periods via the "workout plan", I still have not received a modification and my payments continue to increase. It is now March 2010, and I still receive phone messages and/or emails via my Litton Loan account about twice a month stating the following:

"Our records indicate that we have not received all the documents required to determine your eligibility for a loan modification." Each time I receive one of these messages, I contact Litton via phone or email; one week my response is that all my documentation has been received and being reviewed. A week or two after that, I get another message or phone call stating that they do not have it. Meanwhile, they are adding taxes and insurance fees to my account placing my loan in default with threats to foreclose, all while labeling my loan as delinquent on my credit report.

The fact that Litton keeps dangling me by a string with this loan modification process is emotionally, physically, and financially stressful. I can never get a firm answer from anyone. But when I do get an answer and believe things are finally getting settled, the wondering process starts all over again. When I applied for this modification back in May 2009, my payments were manageable. But my payments seem to increase about every 3 to 6 months. And now I am back where I started before I applied. Of course, if I don't make the payments, I will no longer qualify for the modification, and my loan will accelerate into foreclosure. All I really want to do is secure my loan with another lender and get away from Litton for good. They have put me through enough stress!

I, as well as many, tried to get a loan mod with Litton Loan but also got the runaround about not having the correct papers filled out or missing, had to re fax everything twice. After finally getting hold of someone there, they tried to give a trial mod payment that was more than what I was paying to begin with. I told them what makes them think I could pay more than what I was already having a problem paying to begin with. It didn't make any sense. I also got the auction sale notice and eventually had to file bankruptcy just to keep my house. I think they are bunch of heartless crooks trying to get rich off someone else's misfortunes. Something needs to be done about their lying and cheating. If someone takes them, sues them, count me in and I'm not the suing type.

We applied for a loan modification in 2008. Finally, we received a temporary modification in August of 2009. It ended in October 2009. Then we were supposed to get the final modification. We paid on time as stipulated until January 10, then we were informed via telephone that we were no longer on a modification. We received no notice or reason that we were denied. Litton Loan has refused to give us or NACA any information as to why or when we could expect to see the modification. We have no other alternatives to turn to.

My payments have been going through the roof ever since they obtained my loan 3 years ago. I applied for a modification as was told that I qualified, even after I went through the trail period. then I got a call stating that I didn't qualify, that I was missing documentation, which I sent certified mail, return receipt, as well as faxed the information. I was told that I would now have to pay over $4000 to get my loan caught up. Where was this money coming from?

It has taken me over 4 months to finally get my payments back on track so I am not paying behind and incurring a late fee. In the mean time, they have reported me as being late and now my credit card companies are reducing my credit limit. Had Litton Loan not made the mistake of approving me and then tell me I did not qualify, I would not be behind. I have written and told them that they need to correct my credit report profile due to their error. This company should be shut down and not allowed to do business ever in this lifetime.

In short, in April of 2008, we missed a house payment. I was getting ready to deploy to Iraq and it was an oversight on our part. In August of 2008, Litton Loan Service took over our note from Avelo Mortgage. I sent Litton a copy of my deployment orders prior to leaving and verified they had received them. This allowed me to qualify for a lower insurance rate under the Sailor Soldiers Act. While I was gone, Litton put my house into foreclosure over the payment that was missed in April 2008, four months before they assumed the mortgage. Then they informed my wife they never received copies of my orders to deploy so we had to send the orders in again (two more times).

Needless to say, my wife was getting really far behind, up to about three payments because the account was not getting credit right because of the April 2008 payment. So they talked her into a loan modification. Another big mistake. I'm not sure who she talk to but they encouraged her not to make payments. They told her they could not foreclose if you were applying for a loan modification and once it is approved, they would place the balance owed to the end of the note so you could start fresh. I told her to start making payment because at this point she was about $7000+ behind and there was no guarantee we would be approved.

Litton Loan said the process would take about 90 days, in my case it took about five months, after I made numerous calls to no avail to get some sort of status. No one knows anything and the people that you need to talk to are located somewhere else and will contact you if need be. I submitted the same paper work over and over because they did not have this or that, which had been sent prior. Needless to say, we were rejected for our modification, which put us in a $10,000 hole which we are trying to figure out. The whole process was very unpleasant and stressful for us. At no point, did they really care about the us as customers.

Recently, we had to submit an insurance check to for repairs to our house. They have made this process a nightmare for my family as well as the contractor handling the repairs by requiring needless paperwork. The contract repairing my house is a large contractor and is well known through the state. They say this is the first time they have had these kinds of problems with a mortgage company. Litton Loans is not customer friendly and in my case, they have made it almost impossible to catch my mortgage up. At this point, I really don't care. I'm not going to lose anymore sleep. I'm glad that I fought for my country to give Litton Loan Service the right to screw me and countless other people over. I salute you Litton Loan Service.

I know my wife and I have lost numerous nights of sleep wondering how we were going to fix this problem. Once the modification did not go through, it created a real hardship. The financial stress has taken its toll on our family as we had to make dramatic cut backs. My wife and I usually never argue but lately it seems everything is centered around our mortgage payment and Litton Loans LLC. I just can't describe how worthless these people made me feel especially knowing I am a veteran.

I have a current mortgage with Litton Loan Servicing. After several attempts to be approved with a Loan Modification, I finally was given final documents to sign to completed the process on December 23, 2009 with an effective date of December 1, 2009 on the modification. I completed and returned as requested by December 28, 2009. Previously prior to the approval, I was placed on a "Trail Modification" period starting June 2009 until they were to work out all of the things for final modification. I had paid every payment on time, wrote on all of the money orders which month the payment was for and even sent payment UPS next day in order to assure timely payment.

It was in January, I received a late notice advising me that I had was owing for December and January payment. I called immediately and after much runaround, I was advised they were going to have to re-write my modification in order to correct the mis-posting of my payment for December 2009. I was advised I was 1 of hundreds that this had happened to and they would have to draft up another modification in order to reflect that I was current on my loan.

I just received new modification document and what they have done is they have added $1,400.00 into my balloon payment that is due at the end of my loan which included (2) months mortgage that I have already paid and late charges. I am so frustrated, are they that stupid? They did not change the effective date of the modification which I was told is what caused the problem, all they did was increase what I owe. I am single mother who is struggling just to feed my family and I have no extra to obtain a lawyer. What to do? Back to square 1. Meanwhile, they show I am behind a month when I have tried so hard to follow up on my end of the deal.

My daughter was ill for about one month and I needed to take a leave of absence without pay. When my tax bill arrived, around $5,000, I was concerned that I could not pay it on time. I called Litton Loan and asked how I can be assisted. The representative stated that I should send a letter explaining my situation and attach the tax bill and they may pay it on my behalf and I would work out an arrangement to pay Litton Loan back.

I received a response letter that consumers need to budget more carefully. Budget? After paying this additional amount, I am left with $600 for the month. On top of that, my mortgage was adjusted an additional $700. I did not qualify for any program and it took over 60 days to get an answer and to re-fax documents. The representatives are also disrespectful, condescending and do not give out correct information.

I now face foreclosure. I am really angry because for 5 years, I never had a problem until now. If they had removed the escrow, I would not be in this situation. My original mortgage was $2377 per month and now is $4700 per month. I am widowed but thankfully have a good job and am raising 2 kids on my own. But Litton Loan needs to be overhauled because they are acting like "God" and creating a much bigger problem than becoming part of the solution! If enough people out there have had this experience, maybe it is time for another class action suit. If so, speak out.

I lost my job in 2008 and started falling behind on all my financial obligations, including my mortgage with Litton Loan Servicing. I contacted them to make arrangements, but they did not want to work with us. I was forced to file Chapter 13 in order to save the home, but with a lower paying job, it was difficult to keep up.

In July 2009, we were able to get the "Making Home Affordable" program that entailed a 3-month trial period before a loan modification would be granted. We submitted all of the documents that were needed along with the monthly payments for the 3 months that followed. In December 2009, after making the 3 payments, we received a letter that Litton Loan was going to foreclose and we no longer were qualified for the loan modification.

I made several phone calls to Litton Loan Servicing and found out that they needed more documents and that is why I was disqualified from the Loan Modification. I have since that time have been approved again for another 3-month trial period and sent in all of the documents along with the 1st month's payment on February 13, 2010. I still don't know what documents they were needing the first time I was disqualified, because they still have not asked for any other documents other than the ones I sent in.

It is now March 12, 2010, and I make phone calls every week to Litton to make sure they have all the documents they need. Today, they have told me they need form 4506T, because the 5 that I faxed and sent need to be filled out without Litton Loan in line #5. I am faxing and sending the form again to Litton, but I believe this is not over yet. How can this continue to go on without anyone within the banking commission or the US Government getting involved?

Litton Loan sent us a letter stating that we were pre-approved for a loan modification on October 6, 2009. We faxed all the documents, IRS forms, payments, utility bills, etc. with their respective confirmations. As I called to see how the process was going, they informed us that certain documents weren't being received. The same document was being re-sent for about 3 months. Litton would always be stating that it was not received. In February, after multiple attempts, we decide to resend it via fax and regular mail.

A few days ago, they called us to inform me that I was not approved for the fact that I have low income and I owed an amount of $2,500 that was due. So, instead of having a modification, I'm having a bill. My regular payment was $1,469. During the trial of modification, we were told to pay $1,027. Since they took too so long to make the decision, now they are charging us the difference of those 6 months and that's where those $2500 are coming from.

I have been involved in a modification, made the payments, and don't know where the payments went to or toward. I then called to check on the status, and they told me I was not qualified. I asked where the money was for the payments I made. There's no response. I have since sent twenty plus emails, needing information. But nothing. I tried to make a payment, but they would not accept unless it was the actual amount. Clearly, if I could make the payment, I would; but we can't. They continued to tell me all of the documents they needed, and we sent them in. And then a month later, they told me they need more docs, or better yet, the same docs.

We are in fear of losing our home do to Litton's crooked ways. We are in a loan modification since August 09 and we have gotten nowhere since. They mysteriously lose our paperwork constantly and you cannot talk to anyone who can tell you anything. I just know they are going to deny us for some reason, which will result in foreclosure. There already have been lawsuits against Litton and they still continue their ways. Consumer complaints are many against Litton, so many in fact that it backs up my feelings about them screwing us too.

They are completely heartless with the customers that make them what they are. Every month that goes by, allows them to add more money to my principal. In the end, that is a good enough reason for them to drag this out as long as possible. I believe they are committing fraud on these so called modifications which seem to always end up in denial by them. They know well if you are going to qualify or not ahead of time. Something needs to be done with these crooks!

For almost a year trying to work with them about my mortgage, they always were rude and unpleasant. They were not wiling to help or guide any direction, always said they are coming to take me out of the house, which finally became a fear. On June 08, I abandoned the property. Now, they send the 1099-A with a letter. On the bottom, it said that the letter is an attempt to collect the debt first. They forced me out of my home and still they want to continue asking for payment. I need the government to take action on this matter. We can never stand up this way. We are the working class, the ones that bring their income from hard work.

Litton Loan Servicing acquired our mortgage back in 2006. They ruined our lives also, like I have read they have done to hundreds of people. I have read many complaints from the various forums, articles, etc. regarding this despicable organization. Our story is remarkably the same as many I have read. They "misplaced paperwork", "lost payments", were very rude and strung us along to the point of foreclosure, like many others which have dealt with them. Why does this company continue to be allowed to do what they do to people without being closed down? It has been over a year now since we lost the house, but it will stay in our hearts forever.

I am a homeowner and Litton loan is my lender (not by choice) because they bought my loan from another bank. Three years later, I am still asking for a helping hand, not a hand out. My credit was ruined, can't get refinanced because Litton reports you late, and tells me I'm approved for (modification verbally). Then, of course, I never get the paperwork.

When I called back two days later, another representative tells me that she is seeing no approval of modification. The nightmare continues, still in review from 4/ 2009 - 3/2010, with an increase of $1,100 due to taxes not paid by me (true, I can't pay it). Well, if I had gotten a modification (two years ago), I could have paid my taxes. Shame on Litton Loan Servicing.

I have been doing a modification with Litton loan services for four months. It is going onto five months. They said it was a three-month trial and every time the time comes for them to make a decision as to whether they will allow me to keep the mortgage, they keep saying a paper work is missing and I sent them everything.

I have been doing a modification with them for over 4 months. They said it was a 3-month trial, it is going onto 5 months now and I am still awaiting the decision to see whether or not they are granting me another chance for the mortgage. Every time it's time for them to tell me the decision comes they keep saying they need paperwork and I sent them everything. I don't understand why they're delaying it. Do you know what I can do about it?

I have attempted on many, many occasions to communicate with Litton Loan Services about my obligation and about the programs that the government, under our current administration, has introduced to assist citizens that find themselves in the same financial situation I am in. I was told the following on the few actual conversations that I have had with Litton employees (exactly 3) over the last two and a half years. Below are paraphrased quotes.

1) "Litton is in no way obligated to talk or negotiate with you about any modification to your loan." 2) "Sir if this is a rental unit, you are not entitled to any government hand-outs , as we just service these loans, and no, I wouldn't even know who we service your loan for." 3) "Sir, I am sorry you were told those things. Go to our website. Download the documents to get assistance and fill them out and send them and all the documentation in and someone will get back with you." This lady was by far the most helpful. I did what she told me to do and I still have never received a call from anyone other than the people calling about being past due. They transfer you to a black hole where half the time you are cut off, and the other half time you get someone's voice mail who promises to call you back just as soon as they get the opportunity!

I have requested all three of these times to have someone call me back and I have left many voicemails within different departments. Several times I have requested as to who the holder of the mortgage was, so I could discuss some sort of work out directly with them. And until the day I was served foreclosure papers, I did not know that ** Bank was the holder of the note. The Monday after I was served the court papers, I called the Plaintiff's attorney's office to attempt to discuss the situation with them. There too I was told that there was nothing they could do until such time as they received my answer to this action.

It comes as no surprise to me that they are asking in this case for the reestablishment of lost note and mortgage as they have managed to lose everything I have ever sent them, including the on-time payments, and including my proof of insurance, twice! I did receive a letter dated 7-22 telling me that my loan was past due since May and that there could be programs to help and gave me all of the bad things that could happen if I didn't send them cash today! Then the next day, I received a form letter dated 7/23 saying the same thing as the one the day before.

However, to this day I have gotten no acknowledgment that I had written them an extensive letter explaining the situation (I have confirmation it was delivered and signed for). I have received no acknowledgment of sending in all the financial information they requested in a form letter. I have never received any information or acknowledgment about us asking them for the guidance on a short sale or for a deed in lieu of foreclosure, just another form letter. But it did have another form for me to fill out to return to them. Every time that Litton communicates, it is with a form letter and nowhere do they ever acknowledge that they have received anything from me before.

To me this is absolute terrible business practice. I have to ask this: do they not have a responsibility to at least attempt to work it out before they file a foreclosure and absolutely demolish my credit? I know that I owe them the money, but this to me seems like the crux of the problem we hear about every day. The banks loaned money to people with poor credit, then bundled up the loans and sold them off to investors. Next, the high-risk people default (or even good people default due to circumstances), this demolishes the values for everyone, rendering our property almost worthless and then they refuse to negotiate with someone who had always paid on time. Was my stellar credit rating working against me? Did they think I was screaming wolf and not really in a bind financially? I am truly offended that to this day, Litton has not made a call from someone that had any authority to assist me, only from people that threaten and berate me.

Now, this is the final affront that shows just how incredibly frustrating this entire process has been. Recently, a mere 10 days prior to me being served with foreclosure papers, I received an email from Litton that first thanks me for the recent inquiry regarding my loan, tells me I am a valued customer, and that they hope to assist me as soon as possible! It goes on to say that it may take up to 60 (sixty) days for a customer service specialist to properly research and respond to my inquiry. They remind me that it is important to continue to make my monthly payments as per my agreement! It is absolutely amazing and would even be funny if this was not such a serious matter. In all honesty, I do not know which request for assistance or inquiry they were finally responding to as I have tried to communicate with them for so long I cannot imagine which they finally read!

I have been put on 2 different trial loan modifications for 3 months each time. Started in June 1, 2009 to Aug. 1, 2009 for the first trial. Then they put me on my second one for Sept. 1, 2009 to Nov. 1, 2009. I called to find out why I had to make a higher payment and said that I made too much income. So I have been making all the payments on time and it is now Feb. 26, 2010. I still have not heard anything from Litton about my loan modification. I can't talk to anyone but the customer service that takes payment. They won't let you talk to a supervisor or no one in the loan modification department. They stopped sending me monthly statements on my loan. I need help with this company Litton Loan Servicing, my daughter is disabled and in a wheelchair. Please help me keep my home. I see what they have been doing to everybody else and just taking their homes and putting them into foreclosure.

In 2007 we were offered a loan modification through an attorney. We signed the papers that was supposed to fix our interest rate and arrears were added on. A few months later, we got a notice from Litton telling us our payments had adjusted downwards. We have made payments to Litton, received tax documents showing how much interest we paid each year.

Last week they sent foreclosure documents. They claimed we had not made payments since 2007. The foreclosure department acknowledges that we paid interest for 2007 to 2009. They have no record of the modification that they sent to us. We are ripping the house apart looking for the modification paperwork.

I first applied for a loan modification in January of 2009. I couldn't seem to get any responses, so I contacted Safe Harbor Debt Management for assistance. That was also a useless measure. I have sent in all documents requested by Litton Loan Servicing, many of them numerous times. I was finally put on a trial modification in October of 2009. I have made all trial payments on time.

I am still being told to resubmit documents, some because the originals were submitted so long ago, they are now outdated. I am also being advised that I may not qualify. Surely 13 months is long enough for a decision. Because my trial payment is less than the original loan payment, I am continually going further into debt and Litton Loan says I am owing them more and more each month.

I am self-employed in SWFL, an area hit hard by the recession. Foreseeing a reduction in revenue as a result of the economy, I contacted Litton to seek a mortgage modification in late 2008. I was never late with a payment and still have not ever been late following all the written guidelines as give by Litton. Litton never stated that I would be considered late on payments if I entered into a modification agreement. Each time I received a request for docs they were submitted. The trial modification agreement stated that I would be notified in writing if I did not qualify. The only notice I received was one stating that since I did not give them requested documentation I was in default. I have been receiving phone calls every day and letters continuously that I am in default.

I have been reported to the credit bureaus as being 2 months behind in payments. I agree that I owe the difference between the original payments owed and the modified payments submitted but it is about half of the amount that they are demanding and does not equal two months payments, and they are also assessing late penalties. I have tried countless times to correct the situation and have even had the representatives confirm that all the documentation that was requested initially was received on time before the notices were sent and that I do not owe the amount that is being requested and reported as late.

I sent all bank statements showing the payments were sent on time and cashed by them to Litton in September and received a reply September 15, 2009 that the situation would be resolved within 60 days. I have never received any further correspondence regarding the letter or the investigation of the situation. The nightmare continues with the threatening certified mail and phone calls daily and we have never had any negative credit history in the past 30 plus years of marriage. I initially thought that it was not too much of a concern because the courts would conclude we were in the right if Litton pursued the matter but after reading about Litton and not being able to resolve the issue to this point I am thinking of pursuing legal action.

The reporting to my credit file has caused interest rate increases to all of my credit and I am not sure what it is going to take to clean up the negative reports. I paid them four partial payments on time per the agreement last year and have resumed remitting the regular payment amount on time to this day since receiving the first of many default notices. Our home is presently worth less than half of the amount owed on the mortgage yet we continue to try to meet our obligation in good faith as agreed to. Litton purchased our note from another lender in 2005. My credit is damaged. My rates have risen on credit card debt. Emotional stress is present in our home. I receive embarrassing certified letters from the bank that have a stigma as being irresponsible. I am not sure of what it will cost in time and money to resolve the issue and repair my credit.

My home sat on the market from May of 2008 until the first offer came in November 2009. The offer did not cover what was owed on the two mortgages. I filled out all of the short sale paperwork myself. After two months, the short sale was agreed to at a higher dollar amount than what the pay off was. We did receive a second approval for less than the payoff, a whopping $300 less.

I was also informed that the short sale department does accept wire transfers, and the payoff department does not. So they squeezed another $200+ out of this stone. Prior to this sale, we have been paying the note and have been hit with late pays several times because of LLS posting procedures. I was ignorant enough to think it was just me and paid the late charges. The monetary effect will linger for us, as we have not yet received all of the attorney bills (We retained a private attorney). We have been paying both mortgages and rent dating back to our business relocation in July of 2008.

In the past two years, I called and wrote several letters to Litton Loan about my economic hardship which my wife and I have suffered over the past two years. I inform them that I was unable to make my payment on time. Well, my letters and other attempts to contact were ignored. I required a modification of my loan but was denied several times. This office inaccurately reports my family monthly income on several occasions in order to deny me a loan modification.

Not to mention, how they continue call and harass me about late fees that I have obtain on my account. They tend to make sure that my payments are always late to continue to add late fees to my account. I have tried everything to work with this company but they are unwilling to work with me. I was couple times that can modified my loan when it start to adjust but that seems not to be the case any. All I am asking is a modification of my loan to help make my payments.

I requested a loan modification on first mortgage with Litton Loan Services. After much delay, we just received the "loan modification package". It was postmark dated 2/11/2010. I received it on 2/12/2010. The kicker is they required a response from me by 2/9/2010 and the "loan modification" was $200 plus more than what I am currently paying, that is some modification.

We will be forced to short sale or allow the bank to take the property without the modification. I have explained our circumstances to so many people at Litton and it does not seem to matter. My second mortgage is with GMAC and they were very quick and timely in modifying the second. Sorry for GMAC that I cannot get some type of "lower" modification from Litton. When I called Litton to explain that they are raising my payment, they stated that is what it is and there was never else they would do about it. So much for the help extended to the everyday man. I guess you have to be a large financial institution to get government help.

There is only one way to fight Litton successfully, speak their language!

First, I was proactive and had a plan in place just in case. When they refused to help me and were instead hostile and combative, I returned the favor.

I served them with a QWR letter demanding every scrap of paper from my loan's inception to the current. I served both Litton and their investor US Bank. Not only could they not produce all the paperwork and a valid note and proof of ownership, I found the paperwork littered with changed numbers and forgeries of my signature among other things, events that apparently happened after signing, so now I know they have no legal claim to a lien on my property. US Bank violated the law by not responding to the QWR letter.

Second, I made copies of the paperwork and sent it to my state attorney general, state finance department, the FTC, my elected representatives and I am about to file RESPA and TILA complaints against them with HUD.

Third, I got an attorney to advocate for me, and as much as we have on them now, Litton either makes things right or they get sued.

Take the fight to them! Go for it! Even if you have to go through legal aid, make their lives a living hell! I tried the cordial, civil and diplomatic route, but they only responded with threats and attempts at intimidation. Now that they are on the run, let's see how they like it. And I am not done yet! When I think of all the people whose lives they have so callously and needlessly destroyed.

We defaulted on our loan. Period. And we don't deny this. The arrears started in 01/2008 and the nightmare continues. Here is the story.

My husband is a full-time realtor and I am a full-time mortgage broker. In October 2006, both my husband and myself realized our income had dwindled to nothing. He secured a job as a pest control tech at local company. I secured a new position, the only company to take me with my experience. No one was hiring a mortgage broker on salary. My pay is high one month, low the next. My husband's steady, but low. The mortgage payment amounted to $1,700.00 a month, not including taxes and insurance.

When we received our tax returns we always paid taxes and insurance separate, no problem. I called into Litton in December 2007 to make a full payment. And because I had an extra $300.00 and wanted this money to go towards the following month's payment (as I was not sure what my paycheck would be the following month being on commission). I applied that in the payment as well. The next month, January 2008, I called in the payment of $1,400.00. Thinking, famous last words for me, thinking, that the $300.00 from the following month was waiting for the remaining $1,400.00 to make the total $1,700.00 for January's payment.

The person on the phone informed me that they could not take the $1,400.00 as it was not the full payment. I explained, I knew that because they have the $300.00 to make the total $1,700.00. So they informed me that it would just sit there...slush fund? I could not get the $300.00 to apply to the full payment because they needed the full payment. Taxes came due and I paid them. Insurance came due and I could not pay it. I was forced to place an insurance of $5k per year now. It is still 2008. We could not keep up with the payments, taxes, insurance on minimal wage. Both my husband and self were dependent on the real estate market for our income. It is dead.

In 2009, we're continuously receiving foreclosure notices. We did the modification...the taxes are still $5k a year. We cannot afford this house. We put the house up for sale. By this time, the value is $135k. The loan is $250k. It has to be a short sale. We got an offer from a buyer at $161k. The mortgage company won't take it, they want $172k--county property appraiser's value. The buyer brings in offer at $166k. Litton says no. The realtor has never had a short sale offer refused from a mortgage company yet. This is the first one. The mortgage company says they don't have to take the offer.

We are behind $50k in payments in 2009 but Litton will not take short sale. We sent signed and notarized 'Deed-in-lieu' of foreclosure. Litton does not acknowledge receipt. I called, they told me yes, now they have it, but because the short sale was not accepted. Now the house is due for auction at county courthouse. And because it's scheduled for auction, they cannot take 'Deed-in-lieu' of foreclosure. Is anyone reading this? Is anyone listening? The banks, investors, and mortgage companies are getting tarp money to help us homeowners? How?

They are getting money from the government to pocket in their own pockets, while us pee on. sit and take the assault and battery of their phone calls, letters, threats of foreclosure, auctions...but will not accept a 'short sale or deed-in-lieu' because it's not convenient for them? It doesn't fit their budget? Time? Help! Is anyone listening? Hello America!

Countrywide originated our loan in 2006. The loan was sold to Litton Loan Servicing. Now there is a settlement for Countrywide Loan borrowers in the state of Florida. And guess what? We, my family won't get any help from that either. Why? Because our home still sits in limbo with Litton Loan Servicing. Who is getting the money? Who is getting the help?

Everything was fine until I applied for a mortgage modification. Everything was paid up and all I've been asking for is a reduction in the 8.125% interest on my $480,000 loan (I put 20% cash down on the house) and converted it from an ARM to a 30-year fixed. My payments are $3800 per month, which is over 63% of my take home pay. I was given bad advice from Litton employees on several occasions. The most severe was the start of the trial period when I was told over the phone (and confirmed via fax) that I did not have to make my August 2009 payment.

I proceeded to pay the trial period amount ($3,202) for 3 months. During the trial period, I heard nothing from Litton. I called them in November (before Thanksgiving) to see how my application was going and what amount I needed to pay in December. They told me that I was over $11,000 behind on my mortgage. Panic was an understatement. I have bank records and cleared checks that showed I made payments every month in 2009, including scraping up an additional $3800 to cover the August 2009 payment.

To make matters worse, I paid the January 2010 payment on December 29, 2009 to get the tax credit. I was just a few days late, but well within Litton's late period with the February 2010 payment. That check was cleared on February 5, 2010, but Litton is saying that was January's payment and I'm a month behind. I paid over $45,000 to Litton in 2009, which is what they reported to the IRS. January 2009 payment was made in December 2008 (again for tax reasons) and was recorded correctly by Litton. How can I be so far behind as Litton claims?

Simple math says $45,000 divided by 11 months is greater than $3,800.69 payment. I have tried contacting HUD and other agencies overseeing HAMP and getting no answers. I have contacted Better Business Bureau (Houston), but it is a slow process and Litton is trying to cover their tracks. Based on last conversation with Litton, I perceive they are re-writing my file as they're changing their story over what has transpired.

I am going to contact the Virginia and Texas Attorney General Offices as well as the US Attorney General's office. We, homeowners that are trying to do the right thing, need to stand our ground before more of us lose are homes to these predators. I really would be interested in talking with an attorney to initiate a Class Action lawsuit against Litton Loan Servicing and their parent company, Goldman Sachs!

Over the past five years, I have gotten laid off of two jobs. I have been struggling to maintain my livelihood. I took a job that was a big pay cut, however, I needed to keep employment to survive. In lieu of my misfortune, I have been trying to work with Litton Loan to do a loan modification. Somewhere around August of 2009, I was offered a trial mortgage loan payment.

Litton was suppose to send me out a package explaining what I needed to do and what information I would need to give them. After two months went by, but no package. I called them and then said they sent it, however, I never received it. They claimed they would re-send it. The only thing I received, after two months more was an Act 91. I was devastated. I have been in my house for twenty years, raised two children by myself and now that I am experiencing some financial hardships, Litton is kicking me when I am down. I am going to try contacting them again to try to make some type of agreement.

In contacting the counseling agent, suggested in the Act 91. I found out that supposedly Litton Loan does not comply with the Obama's home homeowners' bail out program. I have applied for assistance, yet recently denied. I don't have anywhere to go and don't know which way to turn. I am not trying to live in my car nor in the street. I am in a state of depression, yet I am trying to take one day at a time. I continually search for a better paying job, yet the economical situation seems to hinder many companies from hiring. What do I do?

Litton is a scam. They ask for the same paperwork over and over. They send out modification and we send everything they ask for and pay the trial payments and they tell you you're missing a paper you know you sent. This is the 4th time they have done this even after calling and they say everything is in order. They have no intention of modifying. You can never reach them, and if you do, you get a different answer each time. If anyone out there wishes to file a class action suit, let me know.

My on time, over paid account was reported by Litton Loan as 120 days late during modification while they sat on (suspended) more than $8000 of payments. My credit is totally destroyed, my job is being threatened, and Litton has completely trashed my credibility and perfect credit rating. I have never made a late payment and I have paid more than my monthly mortgage amount.

I signed and fully executed modification documents which was completed and verified by attorneys on October 2009 for 4.875% starting August 1st 2015. I was forced to sign a second set of modification documents in January 2010 because Litton did not post all my payments, inflated interest rate on second set of documents 5.0% starting August 1st 2015.

Detailed transaction history from Litton Loan shows all payments were on time and distributed between principal and interest. Telephone conversation on February 11th 2010, ERT stated several hundred dollars of fees for late payments and system automated fines. Representative would not provide explanation for fees or a contact person, or phone number to resolve the problem. Escrow account is grossly overpaid and was not corrected after multiple inquiries over eight months.

It causes financial ruin and incredible stress over two years. It's business as usual at Litton Loan and there's not a shred of honesty, respect, or a soul left in the house!

Our loan was sold to Litton Loan Servicing without our knowledge. We have filled out all of the requested paper work and sent in documentation requested, several times, via fax, and certified mail. No response from Litton. Then they told us over the phone numerous times that our request for modification was still in progress. For over a year, they told us they were still processing our request or that we still needed to send in this or that. We have documentation of the phone calls we have made on which dates, faxes and certified mail receipts. They finally sent us a letter stating they cannot help us at this time with no mention of a modification request stated in their letter. We still have a balloon payment coming up and are now behind on our payments. We have lived in our home for eight years and they are just sitting back waiting to take it. What can we do?

I have been through the same thing that everyone else stated. I received a workout plan, and did everything they told me to do. I received a three-month trial period, which went over to six months. I continued to make my trial period payment, as it states, until I receive the final loan mod. The loan mod states payments due on or before the 1st of the month. Well, I was sending my payments before the 1st of each month, since it states that if payment is not in by the 1st, your loan mod may be denied and you have to sent it to a PO Box.

I got my final paper work on Dec. 27 '09, which I sent Jan 2010 payment on Dec 28, 2009. I received a letter stating that my Jan. 2010 payment was later, after receiving a letter stating that everything was okay with the loan mod. So I called Litton and asked about the letter and they said (we applied that to Dec 2009) and you need to pay for Jan 2010. I told Litton so this is what someone get trying to make payment on time. Also it's not my fault that Litton is not a professional company because either false info, sending doc late. Now, we have to suffer for their doing.

I told Litton that it states to send in payment on or before the 1st, as I did it the whole trial period and it was not a problem then. Now since everything was over (I thought) something else happens. They are not only saying that I am late, now there is a balance of $18,470 due (wow). And like everyone stated, you can never talk to someone that can help you. The non professional customer service rep will tell you something different all time or state that you will have to sent a fax to cart (customer assist response team). Wow, so I sent a request for cart to do a research, which it takes up to 60 days for someone to respond.

Meanwhile, they told me that I need to make a payment for Jan. Feb, 2010 until they can research. I asked Litton why do you think I asked for help. Do you think I have money to just send in until you figure out that its your fault? But they don't care about us. Now not only I have an issue of a late payment, I have to send another fax about the $18,470 balance that is showing up on their computer (as they state). The whole company needs to be taught how to be professionals. Therefore, I am waiting for someone to help me resolve this issue.

I've been calling about my mortgage modification and keep getting that it's taking longer than expected. It's been since 10/09 and I'm still on a trial base. I've even been told that my interest rate has been adjusted to 7.8%, but when I purchased the house, I was at 6%. They claim that it's because of the program. I just had a new baby and wanted to adjust my payment so that it's not so much at one time. When I called, they told me to send them all this information. I did and they even sent someone to my house to collect the paper work and to re-verify that I live on the property. She overnighted the documents and she sent me the copies and kept the original to Litton Loans.

I am frustrated because I was told that I needed to pay off the interest first and then pay the principal. When I asked them to show me where in my contract does it state that it's like buying a car, you need to pay the bank first and then welcome to car ownership. I'm not buying a car, I'm living in a dream house and don't want to lose it. I hate calling over there and not getting the truth.

We are one of the many consumers who have gotten stuck with Litton Loan. We received the same run around as many of the complaints I have read. When you call, no one can really can help. Each person will transfer you numerous times then request you give them the same information loan number, name, address, home phone, work phone then they proceed to read off there paper telling you how far your behind you are and how much you owe then. Ask you when you can make full payment... Duh, if I was able to make full payment, I would not be contacting them.

I have been dealing which Litton loan for over 1 year the first two times they denied me. I finally hired an attorney when my mortgage jumped from $1,800.00 to $3,000.00 a month and had to pay the attorney $3,500.00 hoping they would be able to help. Because we are self employed the paper work is crazy. I have been sending profit and loss to our attorney for about 7 months. Each time Litton loans claims to not have the information or take so long in reviewing that I have to send more.

Litton Loan placed us on a 3 month modification paying $1,387.00 and we thought, wow finally we are going to get some help. End result is we received a letter yesterday from Litton loan saying they are unable to help me and our house is set to go into auction 2/14/10. I spoke with our attorney, Litton loan gave them the explanation that the investors only gave us the 3 month modification because they assumed we were going through hardship and would be out of it after 3 months. Are they not aware of the economy situation? Do they live in a bubble? It's going to take our country years to get out of this whole, how do they expect us to pull out of it in 3 months?

Our attorney is requesting additional information but our future looks grey or options are to let the house go to auction or try to do a short sale that even if the investors agree. I don't know what to do. I feel like I have been lied to and taken advantage of. I'm sure Litton loan has received the relief money to help us and is cashing in by taking the governments money and selling our homes to also profit. For anyone with Litton Loan, save your money in hiring attorney because they are not able to do much more than you can do on your own. So at this point, I guess the only recourse we have is to wait and see how long we have in our home before we have to leave.

We applied for a modification on our home a year ago through Litton Loan service our current mortgage company due to unknown fees and a skyrocketing interest rate! We submitted three different times by fax all of the information they needed to go ahead with the modification. Each time we never heard back from anyone there. We called and much to our dismay, they would transfer us to different people who would not give us any information. Each time we submitted our information for the modification, supposedly no one every received it.

We were given foreclosure proceeding papers with no indication. We had a couple who wanted to buy our home during this period but Litton would never give us our payoff amount. So for three months, this couple waited for us to get the payoff. No response only jargon. We then hired a lawyer to get the payoff and by that time the couple moved on to buying another home. We received a letter the other week stating that the modification is still in the process. We just want to be rid of this situation either way.

These crooks have ruined our credit and have more than complicated our lives. We had outstanding credit until these thieves took over our loan from Avelo. Wish we had known what crooks they were. At this point, we just wished they would go ahead and finish the foreclosure proceedings so we can move on. Litton Loan has caused my husband and my credit to plummet. We had outstanding credit before. They would not help us with a modification. It has taken a physical toll on my health by causing major anxiety and having to be put on medicine. We are a young couple that works hard and our life has been put on hold indefinitely because we have a home sitting in foreclosure for over a year with no clue as to what is happening.

I originally had an adjustable rate mortgage which was about to go up again in 2009. I originally sent in my paperwork to my lender Litton Loan Services back in November 2008. I did not receive any correspondence until several months later in April 2009 after the Obama administration set forth the guidelines for the re-modification program. Even though I was frustrated at the time because of the lack of communication and length of time, I was glad to know that there were at least government guidelines that the lender was going to follow for this program. Little did I know that it would not matter one bit.

I finally received my trial modification packet and was pleased with the amount of the reduction. I made each payment on time for the next 3 months, then I received my permanent modification packet. I noticed in the packet that my mortgage payment had increased from the trial payment by $300 per month! I immediately called Litton and received a variety of excuses from their customer service department as to why this would be, none of which made sense.

Months went by and each month I would speak to another customer service agent who would give me a story as to what they thought the reason was and that I should just sign it and send it back because it was still less than what I was originally paying. I refused. I repeated asked for someone in the re-modification department to contact me about my dispute since they said that I could not be transferred to them directly. They could only be contacted by the customer service dept by email and then allow them up to 60 days for a response.

To this day, I have never received a response from the modification dept even though I have faxed them letters regarding my dispute and asked repeatedly for any communication to resolve this matter. After speaking to customer service again last week, I was informed that because I did not send in my final re-modification packet, they were closing out my modification. Litton Loan Services is required by the guidelines for this modification program to have a system in place for consumers that have inquiries and complaints to be resolved. They absolutely do not and now I have no idea what I am going to do about trying to modify my mortgage while trying to seek legal assistance against Litton. There should be some type of government over site of this program to make sure that the lenders are fulfilling their obligations when the consumers are fulfilling theirs.

On Dec 08, I was unable to pay $2,800 a month in mortgage payments. I called and asked for possible help on our modification. I told me they were unable to help. 3 months later, my home was officially in foreclosure. 3 weeks prior to sale date, they contacted me and offered trial mod for first mortgage taking payment to $1,100. I submitted all required documentation numerous times and made all 3 $1,100 payments.

They then contacted me and said the payment was too low and we needed to restart the trial mod at $1,700. I accepted. This was in August 2009. I made all 3 trial mod payments at $1,700 and more. It is now February. I have made 5 $1,700 payments and still they say they have no answers for me and that it is still in review. This means we have been working on this for more than 1 year. My credit is ruined. My second mortgage was sold off to another company so now, it is unable to be modified or so I'm told. This caused high amounts of mental stress and anguish for me and my entire family.

We have been dealing with Litton Loans for many years. We were placed on forbearance after Hurricane Katrina and Litton placed late fees on our account that has now added up to $1100 even though we have not been under forbearance for 4 and half years. Also, we have applied for loan modification and was told we did not qualify because of our income level but today was told that our property did not qualify for the HAMP program. I have been told that they had their own modification program that was not the same as the government guidelines. Today, they stated that we did not qualify under the HAMP program which is under government guidelines.

We paid almost $10,000 in interest alone last year. No one at Litton can give you a straight answer. I have asked for their guidelines on their loan modification and as of today, have not received anything. I was told they do not honor the government guidelines but today, they do. I spoke with Linda ** today and then she sent me to her supervisor when I started asking questions (Mark **). Last week of January, I called and asked for a supervisor and they told me one was not available. I left word on the switchboard but no one ever returned my call. I am so frustrated with these people. I never can get a clear answer from them. They are not willing to work with you on the modification. Our interest rate is 8.375% and they tell us we cannot modify our loan.

My mortgage went from approximately $2200 a month to $2700 a month in May 2009. I spoke to Litton Loan who offered me a loan modification starting in July 2009. I started paying approximately $2350, and they sent me out the paperwork. I received a call in September 2009 about the paperwork, and I told them I did not receive it and they should resend. I called them again in October, asking for the paperwork. It finally arrived in November. I have been making the payments as agreed which is on or before the 1st of each month from July 2009.

I completed the paperwork and mailed it in. I made my December and January 2010 payment as agreed. I received a call from Litton Loan around the holidays that I was missing my savings account statement. I faxed it in to them. Two weeks ago, I saw that my monthly payment was back up to $2700. I called Litton Loan, and I was told that I was missing a second copy of the workout plan and that I did not complete the request for tax returns correctly. I redid these forms and mailed them back to Litton Loan.

I tried to make my February payment today and could not do so online, so I called Litton Loan. I was informed that I now owe for January plus late fees. I told the agent (Shiletta **) that I made the payment back on December 30, 2009. She informed me that I was taken off the modification plan and all the payments was applied to all the months at $2700 a month and that I now owe $2415.00 for January and a full month for February 2010. How can they do this without notifying me?

She also mentioned that they have all the required documents now for the modification, and it is being processed. I asked if I will get back all that money to apply towards the February payment, and she said no. I asked who holds the lien for my property, and she refused to give me the information. She gave me a fax number to send a request to in order to find out who holds my mortgage.

This is not my first home yet. This is the worst service I have every received from any company. My mortgage is FHA-insured which they failed to mention as well. I could have done a streamline refinance if I had known. I had to request this information via fax as well. I am back to square 1 from last May 2009 with a mortgage of $2700 which I cannot afford. I will have to do a deed in lieu, because I cannot afford this mortgage.

I applied for a loan modification on 11/08 after many papers filed and many calls--with the same results of Litton losing my paperwork and me resending them. I have been denied because the value in my house does not fit the investor guideline. I am so tired of going around in circles with this heartless, unprofessional bank. My house went into foreclosure and went into trustee sale on 12/19.

I sent the paperwork to a lawyer who, to my surprise, informed me that Litton Loan Service had performed a sale, meaning, Litton sold my home yet they bought it back so I could get evicted. I have been served with an unlawful detainer and now, just waiting for the eviction. I don't understand how can this happen to hardworking people that are trying to do the right thing--pay taxes, buy homes. I own my own business and I am always trying to contribute to do the right thing and yet, our government gives us no help. I feel so let down. Someone needs to help us.

I received an interest only loan from Litton Loan Service 3.5 years ago. It was represented as interest only for 2 years then would go into a variable interest loan after that point. I made all my loan payment for the two year period. Then they informed me that it was going to go into a variable interest loan for the next five years, but would still be an interest only loan. I should have read the fine print instead of just taking their word and what was being represented. I then paid them the loan payments each month and looked for other financing. Unfortunately no one was interested due to the value of the house going down and Litton reporting late payments, that were never late.

Then my situation changed due to the economy and I could no longer afford the payments. I called the Hope hotline and asked for help with a loan modification. They helped me fill out the paper work and pre-qualified me and then sent it to Litton. Litton refused to even talk to me about it as I was not behind on my payment. This due to me liquidating everything I could think of to stay current. Finally I had nothing else to liquidate so I did go a month behind. Now they would talk to me and start the loan modification. After about 200 calls and faxing almost weekly, they sent me my trial modification info and payment schedule. I followed it to a tee, making sure that all the payments were on time.

After making the 3rd payment I was informed that they were not going to do the modification, but would start the process over if I would like. What choice did I have? I had them start it over again and after another 200 calls and faxing the same info again to them weekly, they started a new 3 month trial period. Again I followed it to a tee and made sure all payments were made on time. I would continue to get foreclosure letters from them due to now I was a few months behind as they would not accept payments until the modification was in place.

Finally it was time to be modified and make my 4th payment. I called to make it and was told they had decided to modify it again and that I would be getting the new info in the mail. I asked repeatedly why and I was given no answers. They would not accept a payment at this time. When I received the 3rd modification trial period in the mail they had raised my payment by over $1000. It was now even more than the original payment and was now to far out of reach. Yes there is a lot more to this story if anyone is interested in hearing it. It would include lies, bad info, being told conflicting information, never getting messages returned, and a lot of other things but this is not going to help me save my house.

I need some help. I need some good information and I need someone who doesn't work at a call center that can answer questions and help me through this. I have all intetnions of paying for my house if given the chance. Litton has now put me in a very bad situation and I don't know where to turn. They say they want to do a modification but keep jerking me around when I try. They say they are doing the HAMP program but refuse to allow me the option of using it. They have now destroyed my credit and have made it impossible to refinance.

My house is worth about what I owe on it due to the economy. It's not worth less but when I try to get a payoff figure then Litton adds $40000 in fees and interest and other charges making it impossible to do anything with the house. Does anyone have any suggestions or advice? I need numbers of real people that can help. I will lose my home within the next 3 months if Litton continues to do what they are doing.

On January 6th, I got a credit alert saying that my mortgage was 30 days late with Litton for January payment. I went back to my records and I saw that a check was sent out on the 1st for the payment plus an extra amount to pay on the principal. After being transferred and being put on hold, for after an hour, I finally talked to someone that could see that they had received my payment and he couldn't explain why it was reported because indeed, I was not late.

Because of this error that was reported on my credit report, one of my credit cards took more than half of my credit away because they thought I was struggling to pay my mortgage. Today's date is January 27 and I still cannot get any one at Litton to correct this error on my credit report. I am very frustrated because I take my credit history and credit score very seriously and Litton Mortgage has put this in jeopardy. I call abut every 3 days trying to get this resolved. I have faxed copies of my credit report with their negative reporting and I also have sent hard copies in the mail but still, no results.

We are still working on a trial modification program. I asked for a refi back in 2008; I was turned down because they said I showed that I could afford such payment. My interest rate was to go up and I said I could not afford it. I went through Hope For Homeowners and they walked me through request for modification. Then they even called Litton and spoke to them with me on the line. I again requested a modification and they said that they had the info they needed but I would have to wait up to 90 days.

In March of 2009 I called again and all this time I was making payments that were approved amounts by individuals that I have spoke with. These were loan counselors. I would ask monthly how the modification is going. One individual would say it is in review. Then they would say they were missing key paperwork needed to perform modification. My husband and I sent them everything and often monthly something they requested certified. What can we do? I want to know where my almost $700.00 a month is going?

My original note was never through them; we were sold off from AMC. Bottom line each time you call, we get a different answer and this company is eventually going to foreclose on us. Some help the many people. I think that they should have to show a count of all modifications that have been done, if any, and the homeowners of those modifications should be contacted and questioned to be sure of Litton's statements to us that modifications do happen through them. Please help us. We will probably never own a home again.

I secured a mortgage with SunTrust bank. Although I had paid twenty percent (20%) down on my mortgage, SunTrust forced me to escrow my taxes and homeowners insurance by threatening to not close on my loan, and forcing me to start the loan process over from scratch. After about a year, SunTrust sold my loan to Litton Loan Servicing.

I originally thought that Litton was a mortgage company, but recently learned that they are a debt collector and not a mortgage company. Since discovering this information, I decided to stop escrowing my taxes and insurance. I wrote them a letter informing them of this. And, after a little wrangling, Litton sent me a letter authorizing the suspension of my escrow payments. I signed the form they sent and thought everything had been settled. However, I began to receive robo-calls everyday.

I also received another letter from Litton informing me that they had decided that I should continue my escrow payments. After telling them over the phone to stop harassing me, I sent a certified letter stating that I would be responsible for my taxes and insurance and that they should not contact me again. But, shortly after they received the letter, they sent me a letter stating that I was late on my January payment and that I owed late charges. In other words, they completely ignored the law, which prevents a debt collector from contacting an individual if he/she makes such a request, especially by certified letter.

They are also lying about my any late charges that I owe. I have been in my home for four years, and I have never missed a monthly mortgage payment, nor have I been late with a payment. And, even though my escrow payments are not a part of my debt (they even separate my mortgage payment from my escrow payment on my monthly statement), they are charging me late fees on them. I am in the process of contacting my state's attorney general, as well as the FTC, because they are in flagrant violation of the law by continuing to contact me and claiming that I owe monies that I do not owe.

Litton Loan Servicing is servicing my second mortgage. I am trying to refinance my first and need them to subordinate the second. Ms. Rhonda reviewed it and denied the subordination based on "who the investor was on my loan - thinking that they would not approve it and that they would charge me a $5000 non-refundable fee just to review it". I asked who the investor was and she told me I needed to request it from the Customer Assistance Response Team. I did so and was told the "beneficial holder" was Wells Fargo Bank N.A. I called Wells Fargo and they had no information on them being a beneficial holder. I called Ms. ** back and she said that I needed to know the investor, not the beneficial holder.

I again inquired with the Customer Service group at Litton. I was told by them that Wells Fargo Bank N.A. was both the beneficial holder and the investor. This is contrary to what Ms. ** said and now I cannot get in touch with anyone at Litton to help me find out who the investor is. Ms. ** knows but can't tell me for some reason. I simply want to know who the investor is so I can appeal to them for a fair review of my subordination request. If it is indeed Wells, they would gladly review it for a $100 fee (not the $5000 amount quoted above).

We tried to do the loan modification. It started in October. We did everything they asked, then the problems started. They constantly changed what they needed. Every time I called I would get a person who could not answer my questions. Finally, I talked with a supervisor who gave me the number of the person who could help. After calling everyday for a week, then every other day for a week, I still had no response, no call back, as the phone machine said. In the meantime, I was informed that we have been denied because we did not do the paperwork. When I called and asked what paperwork, they said I did not have a current bill showing I was indeed living at the address even though I sent it when we started. I never received a bill in December, so I paid the modification payment.

Now I get a letter saying I am $1600.00 plus behind and they are already starting foreclosure, so I have been forced into bankruptcy. We were not behind and had not been when we started. I feel they messed with us long enough to get to this point then sprung what I consider a trap to get our house. I am 58 with a heart condition and diabetic; my wife is 55 and lost her job in September. The thing is you cannot talk with someone other than a person who has no answers and for them to say we did not do the paper work is ** when they change it every time you call and do what they ask. I am warning everyone this company is a rip-off: do not do a modification with them, you will be very, very sorry.

Litton Loan Servicing are crooks. They do not want to help anyone. They are deceptive and continually lie to me. I filed a complaint here just a few days ago; the next day I was contacted by Litton telling me yet again that they needed more documentation and that she was the only person that I would need to contact. I supplied the documents the same day. The next day I was told I don't qualify and she is off the case and that there is another person assigned to the case whom she does not know and can not put me in contact with. I followed up two days later to have a representative give me a name and then tell me that they can not put me in contact with this person.

I have had an Epiphany. Litton Loan Servicing wants the FHA loans to be foreclosed on; they will get money from insurance and get to sell the house again. I am disgusted with Litton and their procedures. I hope and pray that I will be contacted by a lawyer to be involved in a class action law suit against this company who is trying to take advantage of the people that the government is trying to help. Litton is the worst company I have ever dealt with in any capacity! I am on the brink of foreclosure and homelessness. If this modification is not handled by the 19th, that is the predicament I will be in.

We were turned down the first modification trial for untimely paperwork, which we were not aware of, turned down the 2nd time for no real reason, and now we're doing a 3rd one and they've raised our payments more than the original payment on the loan. Now they say we owe them $5,000, approximately. We have been dealing with this company since January 2009.

This is how far we have gotten in January 2010. How unfair is this? We are, or were, considered middle class and now we are afraid that if we say we don't want to do this anymore because they are just bleeding money out of us till they can take the house, that they will put us in foreclosure because of the money they say we owe. My husband said it should not be anywhere near that high. But knowing them, and seeing all the complaints on the Internet, I think I know exactly what they're next step is.

We have tried to get a lawyer and got scammed by them for $3,500 because the FTC closed them down. We have about $65,000 in debt and they say we don't qualify for the Home Affordability program. Well, if they feel we are making too much, then where is it? We don't have it. We have been so stressed through all of this, causing health problems, lack of sleep, and anxiety at high levels. We want to sue them for pain and suffering. They have no intentions of doing a modification and never will. The problem is my husband's pride doesn't let him want to walk away.

I want to because we are being hurt by all of this. One year is one year too long if you ask me. Please shut this place down. They don't deserve to be in business and hurting people that are trying so hard. We thought this was going to be our last home purchase so we could retire and enjoy life. According to Litton Loan, that dream will not be possible. Thank you!

I, too, like many others have applied for a mortgage modification with Litton Loan. I first sent all the requested information in on Feb 2009. Now, it's Jan 2010 and still, no help from Litton. We did get as far as making pre-qualified payments that are cheaper, but it has exceeded their 3-month period since Nov 2009. We got the same response from them about not receiving all required documents, when we have faxed and faxed and faxed, and sent certified mail. I have just recently received an email from Tera ** about my paycheck stubs. I faxed them and she emailed me back stating that she did get them with no problem.

Now 3-4 weeks later, Litton is telling me that they didn't get them even though I have confirmed emails. It has been a nightmare with Litton loan! I would not doubt that this company is practicing illegally and would like to know if I need to get a real estate lawyer in my defense. This is the most worst company I have ever dealt with and I want to know how do they sleep at night knowing that they are screwing thousands of people?

I lost my job in March 09, and had submitted a loan modification papers with Litton Loan, only to receive a letter of disqualification from them. I got a job later only to hear from them that the house has been foreclosed, despite the fact that I called them from time to time that I have secured a job, and asked them to help in repaying what I owed in mortgage. They are not just ready to help in any way. I think it's a kind of deal within them to buy the foreclosed house for their benefit.

I'm having Litton Loan modification remorse and now that I think about it, I'm not sure if I really have a modified loan or not. Here is my story. I approached Litton Loan Servicing for a loan modification which took over a year for me to finally receive documentation to begin paying a lower amount (a trial amount ) until they figured out the amount that my loan would be modified to. Excited and financially relieved, I made each payment prior to the due date each month for 3 months like they instructed.

On the third month I hadn't received any additional paperwork from Litton and I called (as I have once a month or more for the past year or more) and spoke with a Representative who stated she could not see that any paper work had been mailed to me so to go ahead and pay the modified amount until I received paperwork of my new loan payment and interest rate. I made my modified payment amount. Then to my surprise a week or so later, I received a packet of information claiming that I was to sign and return by a date that had already passed.

Again I called Litton loan to explain that I'd been instructed to pay the modified amount but now I received the paperwork and according to it my mortgage had been adjusted from the modified amount to a new amount resulting in a $195.34 difference. I was instructed to mail the signed paperwork within a day along with a check in the amount of the difference.

Since then (September of 2009), I have now been charged a late fee each month up to now, Jan of 2010. The modified payment that I sent in while I was still waiting for loan documentation to be sent to me is still sitting in some sort of suspense account that no one can seem to apply to my mortgage; the check #2035 that I sent to make up the difference was used to pay late fees that the company charged me even though I have called them each and every month to tell them I was not nor have I ever been late. As a single parent, I was simply trying to lower my mortgage payment and interest rate from 9.75% to what the current rate is now. I was told that my new interest rate is 6.75%

Now when I call the office, I am being told that the late fees will be waived as a "courtesy" though when I receive my mortgage statement they are obviously applying my current month mortgage payment to the prior month as the payment that I made in September, less the amount I sent in the form of the check is still sitting in some sort of escrow account. And now additionally I am getting notified that they will be increasing my once modified amount to be effective this month as they have just become aware that the escrow amount they needed to have is short.

And they charged me a evaluation fee of $125 in March. Now they are adding to my statement a fee and when I inquired about that, they told me it was for a home evaluation. I explained that I'd already sent them a check for the home evaluation but now they are saying they needed another one. Yet, I've never received a report or document to support the first home evaluation that cost me the first $125 I paid. I feel like they are making up stuff to try to make me pay for some error on their end.

I'm frustrated that money I sent back in Sept has not been credited toward my account. As I sit and write this, I panic as I wonder. Are they going to put me out of my home if I don't give in to their error? As a single mother, I'm just trying to provide my family a safe home to live in, one that we can be proud of and be safe in. Years ago, my credit and payment history was not great but I was still able to purchase a home with 9.75% interest. I thought the loan modification was a way for me to lower my interest rate and thus lower my monthly payment to something that would allow me to not worry about being able to stay in my home.

I thought approaching Litton and using the fact that I have been a good customer of theirs that I would be a good candidate for the laon modification program. Now I'm almost wondering if I should have just tried to refinance with another company altogether. A lower interest rate and payment will allow me to possibly start to save for things I otherwise could not have before. Now I'm more stressed than I was before when my mortgage was at the 9.75%, and I'm stressing because I see this misunderstanding snowballing out of control. I wanted to stay in my home. I thought I was being pro-active by seeking to modify my loan so that I could continue to build my credit history with Litton.

I cannot get anyone to actually look at where my money is sitting. None of the people I've talked to are able to actually make any changes to my account, or apply the money where it needs to go. They offer solutions like "pay more each month to help pay down your principal but they know they will take my money and apply it the the late fees they have charged me in error. The correspondence that I receive as a result of my writing attempts to clarify what they've done are simply reminders that I am under contract to pay my mortgage on the 1st of the month and paying after the 16th will result in "additional late fees".

Today I received a response from Litton loan. They acknowledge receiving my mortgage payment I sent for January payment but they informed me that they applied it to December. And what is becoming of my credit I have worked so hard to repair? I am stressed because since 2004 I have been working on paying my bills on time every month and not having unnecessary debt, but now my mortgage company is insisting that I'm late, delinquent, and in default because they are applying this month's payment toward last month's mortgage all the while holding an amount less $195.34 off to the side.

We know what the consequences are if I stop making payments and insist they fix this mess. I lose my house I've worked so hard to keep my family in. What are the consequences if they continue to report me as late when I'm not? What are the consequences when I send money month after month and Litton Loan credits the money where they want and not where it should go? Today is Jan 23. Litton loan is closed (I know because I just tried to call them) I have to wait until Monday to call and possibly stay on the phone for hours at a time rehashing all that I've already told them numerous times before. So I risk jeopardizing my job by either having to take off work again or obviously not working while I'm at work because I try to talk to a service Rep at Litton who will hang up on me or not really be able to help me. I'm having Litton Loan modification remorse.

We have been working with Litton on a solution for almost two years! We got behind in early 2008 (economic blues - husband is self-employed). In May 2008 we entered into a repayment plan of $500 more than our normal payment. All these payments were made on time. In Novemer 2008 we were approved for modification by Litton. All paperwork was sent to them immediately, and verified by certified mail. We were told 60-90 days for completion.

In February 2009 Litton's modification office left a message for me - I promptly returned their call and the guy didn't answer. I continued to leave him voice mails on a daily basis for 6 weeks. I finally called hope They made lots of promises that went nowhere, and then would not return my calls either. In May 2009 they sent us a trial packet. We submitted all paperwork correctly along with the first payment by the due date.

During these 7 months, I made literally hundreds of calls to them to make sure they had what they needed. Even faxed them 11 sets of paperwork. Every time I called I got a different story: didn't get fax, did get fax, didn't know if they got fax, that fax # was shut down, needed more paperwork, no - all paperwork looks good - and on and on forever. Anyway, when I made my 2nd trial payment in July, they sent it back to me and said I was in foreclosure. I had not missed a payment in well over a year - and all of a sudden I am in foreclosure?

I called the Colorado Foreclosure Hotline, a state Senator's office, HUD - no one returned my call or wanted to help. We hired a modification attorney - $3,000 we didn't have that, Litton could have had that if they have not been ** and worked with us. Our attorney is fabulous - is in constant contact with Litton. Started the new trial October 1st, finished it December 1st. Waiting for our final paperwork.

Now, Litton said they cannot complete our modification because it is 'more profitable for them to foreclose" Our modification had failed some net profit test - even though it passed that same test when they sent us the second trial package. They have not requested any new information from us, so nothing has changed.

If we did not begin the modification, we would have been current on our loan for 3 months now (as our repayment plan would have been complete), but instead we are in foreclosure. I have drafted a letter to Obama and plan to send it to every applicable Colorado government person - maybe even Oprah and Dr. Phil. These people have got to be stopped!

Litton has caused enormous stress at our house. Sleepless nights, last summer I lost 30 pounds in 6 weeks - couldn't eat. My husband has back problems that flared up with stress and has lost more work (and money) because of the pain. Our 5 year old daughter can sense the stress and she has had behavior problems since Litton's mess hit - we have at times attended counseling for her. I took a 6 week medical leave from work (losing more income) and went on antidepressants because I could not hold my emotions back at work.

We applied for HAMP with Litton back in Feb 09. They offered us a trial modification that they claimed was along the HAMP guidelines. However, our payment to Litton increased almost $1000.00 per month! We declined this so called trial modification and again requested consideration for the HAMP. They said they were in the process of signing up and would let us know when they were offering the HAMP modification.

Because of the runaround we received from Litton, we thought well maybe having someone who is experienced with this kind of thing would help us along. We paid West Coast $3200.00 to assist us. All they have done is put us off by saying that things were just fine and our modification was coming right along. In the meantime, they repeatedly requested copies of tax returns and check stubs and bank account statements that we already sent to them as they requested by overnight mail! I called Litton on my own in Aug. of 09 and our request was finally accepted. West Coast sounded disturbed when I called them to tell them I had at long last gotten us on the list. It's no doubt because they had done nothing.

They said I should not independently contact Litton. Since that time, Litton has given us every reason you could imagine as to why we do not have a workout yet. They first tried to tell us we were in a modification already, which was Litton's way of trying to railroad us into their outrageous so called modification. It took months to correct this error on their part. We lost $46,000 per year in Oct. of 08 when I was laid off. We are hanging on by a thread and our accounts have dropped to a point where we are no longer capable of sustaining our mortgage and the basic living expenses.

My UI benefits are exhausted and as hard as I am trying I can't find a job! We are desperate and if we cannot find a way around this economy and upside down mortgage that we can't refinance, we are going to lose our investment in this house of $250,000.00 and our home. At 51 years old, I never imagined we would be victims of this big broker/Wall Street rip off.

How did our government let us down? Who lifted the regulations on mortgage loans? It's our government! Now they gave trillions to the banks and servicers that are not negotiating modifications and we are expected to pay it back. What happened to America? Is there any hope in sight? Litton was quick to offer their version of the "like HAMP modification". But since getting signed up with Litton in August, they are still trying to determine if our loan qualifies. We purchased this home in 05 with $250,000.00 down and a $450,000.00 mortgage. The home appraised at $716,000.00 and now appraises for $380,000.00. Who are they kidding? We are perfect candidates for HAMP and mortgage balance reduction. What is the problem? Can anyone help us?

In January 2009, I applied to Litton Loan Servicing for a loan modification. After sending all the documents they required finally in June 2009, they said they could offer a loan modification. I have now defaulted in my mortgage (3 months). I again spoke to their foreclosure department to try to work something out. Their representative said I do not qualify for a loan modification because my income is too high and my current payment is less than the 31%. But at the same time my expenses are too high so that my only option is to sell the property.

I reached out to 1 888, and they referred me to a local organization (Dream Home Organization Inc.), where I found out that I did not qualify to have a loan modification because they are making their calculations including overtime, which just now happens to be over what it normally is. So, they are taking my paystub for 1 payroll period, assuming that that is the average and from there determining my annual gross salary. Due to the way they have analyzed my income, which I considered improper, I am at risk of losing my home.

It has been over a year of trying to get Litton Loan Services to give us a modification on our home loan. We have been turned down three times for a number of different reasons and now we seem to be coming to our final turn down. Our next step is bankruptcy court and then to move out of state when we finally get kicked out of our home of 11 years. I've read a ton of other statements from other people Litton has made money from by forcing them out of their homes and they all seem to be like ours and leading to the inevitable "get out." I don't understand how our government has let Litton continue to do what they are doing to honest people.

Well, where to begin? We have been dealing with Litton since April of 2009 to modify our house payment. Our current interest rate is 11.3%.. We have filled out all of the paperwork and now today, Jan 19th 2010, they are saying that certain documents have expired. Every time I call, we are speaking with different people and no one ever knows what is going on. Today I spoke with Debra who was not only unprofessional, but rude also. I think that maybe it is time that the government looks into this problem or a class action lawsuit go up against them. In times of need, they are taking advantage of others. Why do we have to sit back and lose everything? I have four children and a wife.

I lost my job in Feb of 2009, but now am working. It seems to be excuse after excuse with them. The supervisor, Lamika, I did not get to speak to but once again I left a message. We have left several messages and every time it is a different supervisor and no one ever calls back. There should be someone out there to help all of us. We are about to lose our house. I am trying to save my house and no one is helping. Why isn't the president stepping in to help? There should have been stipulations with the money or the government should take it back.

We have been dealing with Litton Loan since April 2009. We met with Jason in Cleveland, Ohio at a company called ESOP (helps homeowners to keep their homes). He told us that it would take about three to four weeks for us to hear something; it is now January 19 and I have not heard a word. I cannot get a hold of anybody from Litton ever! My husband was laid off last December and January and we fell behind in our mortgage payments. I then went to an outside agency to help me make our payment and they did. We sent in the payment and we then got foreclosure papers and I called them and they said it was one day after the deadline that they received payment and put my money in a holding account.

We are in a better financial situation now almost a year later. We are still in the home and have not made one payment since and they will not let us know anything, not even a trial mod. Does anybody know of anything that I can do? We love our home. We have 4 children and have no where else to go! This is our dream home and we can't live under this stress much longer. I hate Litton Loan! Please somebody help us! This caused major stress on everybody in our family.

I called in September 2009 to request a loan modification after I lost my job and had depleted my savings. I had not been late on a payment since I'd owned the property until I stopped making payments in September. Customer service took my information and told me that I did not qualify for the modification because I had no job and because I did not live on the property. Since I stopped making my payments in September, I have received no written or verbal correspondence from the company until a recorded phone message last week, second week of January 2010.

I've called no less than 10 times to leave messages for the person handling my account. I never receive a call back until this recorded message that said if I was interested in a loan modification to please call. When I returned the call, CS told me that the loan had in fact been modified in December 2009 for half the amount of my payment but that it was a temporary modification. They could find no paperwork that had been generated advising me of the loan mod. Additionally, they had notes in the file that a conversation had taken place in December with me where I indicated my income was $2100, which spurred the temp mod. I advised them this conversation had not taken place and that I, in fact, had still not found employment. They advised me that if the temp mod payment was not made by January 15th, foreclosure would happen. I can't get anyone there to return my phone calls even though I continue to try.

I was a customer of Suntrust Bank and I had my mortgage sold to Litton. I began a trial modification in August of 2009. I was told that the loan modification once all the paper work was in and I made 3 on-time payments that the modification would then be finalized. My original payment was $708.67, the modified payment was $357.21. I've made every payment on-time. I've called Litton many, many times. I have phone records to prove just how many times I have called them.

Over the course of this processes and every time I called, I would be told something different. For instance, I called on Friday 01/16/10 and asked of the status of my loan modification they told me that it was in process and I need to make my next trial payment on 02/05/10. I called the next day and I was told that I was no longer in the modification process and that if I did not make the payment of $708.67 by 02/19/10. The foreclosure process would begin and that there would be a lot of fees associated with the foreclosure that I would have to pay.

The company has lied to me a number of times. I asked for the loss mitigation department, and they refused to connect me. Twice, I was given a bogus number and once a bogus extension. This company gave me a false sense of security early on in the process and then drug their feet towards the end to proceed with foreclosure. I have made my payments from the beginning on time, every time and now they are telling me that they are going to foreclose on my house and I am not even late on my payment. There is a possible foreclosure on my house, doubling my mortgage.

They are a predatory loan company that loses your payments, faxes and then charge you late fees and interest. You can never speak to the same Rep. They are very quick to foreclose on your home and refuse to use President Obama's re-modification's request.They have F rating in Texas with the Better Business Bureau. Also,they have hundreds of complaints; please look into their practices. There are constant harassment and threats. You never know if they are going to pursue foreclosure, or raise your mortgage for no reason. Please read all the complaints!

Litton is my loan company, and I've been trying to get a modification from them since April 2009. And they have my house up for foreclosure, and they never returned calls and returned paperwork. They have my house up for sale in February 15, and I no longer know what to do. My wife and newborn could be homeless in a few days.

My wife's and my home was foreclosed by Litton Loan in January 2009. Two years prior to that, as we struggled to make our mortgage payment, Litton Loan did not want to work with us to help get our payment current, but they also didn't want to provide a loan modification loan to help us keep our home. We fought with them for 2 years and were eventually kicked out of our home. We sent in the necessary paperwork and payment for a loan modification, but Litton didn't want to work with us.

I tried since May of 2009 to get my interest rate reduced from 8% to the federal lower rates. I had an ARM and the rates never went down but up! Litton refused to work with another financier who had approved myself for refinancing and cost myself $500.00. They guaranteed the over paid interest on my loan to be applied to my principle amount. When I finally got my loan modification papers just after Christmas of 2009, it did not have a new payoff amount nor applied over paid interest! Now I get a Notice of Default and Intent to Accelerate? I have contacted the US Senate Finance Committee, my US Senators, Texas US Senators to no avail. My loan stated that I got it on 01/03/2007 and Litton did not own it then. Then it was Popular Mortgage who refuses to deal with myself at all. Litton purchased my loan from them in 2008.

I have lost $500.00, days worth of sleep, my wife is on anti-anxiety medicines with a heart condition she didn't have a year ago. Now I may lose the house I have owned since 1984 as well. Not to mention repeatedly having to obtain the same paperwork and fax it over and over to Litton because they claimed they never got it.

My husband and I entered into two loan modifications with Litton Loan Servicing when I became disabled and eventually lost my job. Each time we made our payments on time and I have receipts to prove it. After making the first three trial modification payments of $1750.11 by Western Union, they sent a letter stating that the modification was denied because they didn't receive information regarding child support and divorce papers. I told them that we do not have child support and we are not divorced. They said there was a mistake and put us into another trial modification. We faxed 31 pages of documents over and over and have the confirmations to prove it. Each time they said they didn't get them but to make payments on time.

After two months of making on-time payments via Western Union, we received registered mail stating that they were going to sell our house on the courthouse steps. I immediately called the number on the papers and they told me that was a mistake and to disregard it and continue making the modification payments, which we did. Two days ago a man knocked on our door and handed me a realtor's card and a notice to vacate. I called the realtor and she told me that Litton is now the owner of our house and we need to move. We had absolutely no notice except for the one that they said was a mistake.

I am extremely ill and I no longer have a job and I need to wait 6 months to a year for Social Security to be approved. We took out a 401K loan from my husband's work and took out a $5000.00 loan on our car that we had just paid off two months before to pay our mortgage. Litton Loan Servicing has stolen our house and they know there is nothing we can do about it.

They have already been sued and they continue to conduct business the same way. They are criminals! They received government bail-out money, then they had thousands of customers on "trial modifications" and took their money and didn't apply it to the loan; and then they foreclose and sell your house and sue you for the balance. Is this the American way? The system is set up to protect these corporate criminals. The working-class people have no place to turn. They already made it harder for anyone other than corporations to go bankrupt.

Only the greedy win. How is this going on and nothing is being done about it? These are not our vacation homes that they are stealing from us or our 3rd or 4th homes, it's our only home! Litton Loan Servicing needs to be put out of business! I am under so much stress that I have been hospitalized twice for 10 days each. I have been put on medication that has given me a seizure and I had my license taken away because I just parked my car when I had the seizure. I lost my job because of the panic attacks and depression. I am broken and they are laughing all the way to the bank.

Like countless others, we have been dealing with Litton since March of 2009 trying to get a Loan Modification. They sent us a Workout Plan for 3 months and have now sent us foreclosure papers. Every time we contacted them, a new paper was needed that we already sent. We need help and they just give us the runaround. I can't believe the numerous complaints and nothing is being done to help us. We don't want to lose our home. We have 4 children.

I have had my modification application in with Litton since end of August 2009. It is now mid January 2010 and my application is still "in review." I call about every other week. My mortgage has already adjusted almost $1,000 more a month and Litton is completely unwilling to comply. My mother and a good friend of mine started their modification process with different companies after me and both of them had their modifications within 60-90 days. I am going on 180 days and counting and no word other than, "it's still in review."

I truly believe that Litton wants me out of my home so they can have it. I have been paying before the end of the month since the adjustment plus late fees, etc. This has put a standstill on everything that I need to do for myself such as create a savings, pay off credit card debt, house repairs, start a family, even something as simple as buying a new winter coat. All because Litton won't give me a modification. The funny thing is that my loan was actually set to adjust in 2007 and out of the blue, Litton sent me modification papers to hold off on an adjustment for 2 years. It was very simple. I just had to sign the papers they sent it. That's it. Not sure why they can't do it this time.

Well, where should I start? They foreclosed on my mom's property without proper notification. And now I have to look for a place to live. My mother went to an attorney to try to do a loan mod; he was a thief like most attorneys are. He took $4100.00 and didn't do anything. Then we went to Dunns Russell & Associate and we were there for approximately 4 months, and they Litton foreclosed on my mom's house without notification. I have lost over $15,000 to attorneys to try to save my moms house. My mom's blood pressure went sky high. She is 74 years old and the stress level has been so bad that she can't focus on anything anymore.

I applied for a loan modification back on 04/20/09 and send all the paperwork required by Litton and they put us on a trial period of 3 moths at a payment of $1888.15. We send our payments on time just like they ask. After the third payment they send our money back stating that we didn't send all the paperwork required. We call every month after sending the payment and we were told everything was good just, to send the next payment, that it will take time to get a answer as to what our payment will be after the trial period.

We got an attorney involved and I got more communication with Litton. Anyway now Litton said we don't qualify for a loan modification. All we can do is make 4300 DLL payment for 14 months for a house that is worth $1500000 or to walk away or do a short sale and that's were we are. We just listed our property for $155000.00 and we owe $290000.00 and we send an offer to Litton to stay in the house for $190000 at 7% for 30 years and they rather have a short sale then to help us stay in the house.

This has been a nightmare. For almost 14 months the government gives our money to bail out these banks and all they do is get the money and keep our homes, turn around, sell it and they are right back in business thanks to our good government bailout. I would like to find an attorney that would stand up for all the people who is going through this situation with Litton because there is a lot of us being abuse by Litton and nobody is doing anything about it. Just complain and nobody is listening to us, the people that pay taxes, and we and our kids are the one stuck with the bill of the bailout to these people.

I lost my job on September 28, 2009. I immediately filed for a loan modification. I was told what documentation to fax. I was told to fax my letter of termination from my employer, my husband's check stub and a letter stating what had happened. I did so on October 3, 2009. I was told to call in 30 days, which I did. I should also note we experienced financial hardship before my termination in September. We had fallen behind in a payment. Now with the loss of my job, we were going to fall even further behind.

I called at the end of October only to be told a determination had not been made yet. They said it would take 30 to 60 days yet. They said they were still waiting for specs from the government and the government had not yet released the guidelines. I was told to call back in 2 weeks. I did so only to be told by another individual that they have no copy of my paperwork. I gave them the confirmation I received from my fax and the fax number. I was then told that was not their fax number and I should refax. I was so upset. All my private information was in someone's hands and not Litton.

I decided that this was not acceptable. I don't have a job nor do I have access to a fax machine. I told them they had better find it immediately. It is a Litton number and it is their job to locate the missing paperwork. Another month had gone by another agent on the phone and still no paperwork. I decided to fax again. I called back the same day as I wanted a direct fax to the proper department. I was fortunate to get another agent who decided to take the time out and research the computer and located my paperwork. Go figure it was there all the time.

Today, January 11, 2009, I called again. I'm now told the paperwork submitted it over 120 days old and they need updated paperwork. Are you kidding me? This place is as illegal as they come. Why is the government not shutting them down? I filed a complaint in writing with the State of Illinois. They are going to investigate. From what I've been reading, they are already under investigation. Why are they not shut down? Why is the government not getting us out of this place and putting us in a legitimate program with a legitimate lender. It seems like a lot of us need help. Is there anyone out there who is willing to help us? If most of us are in this situation, odds are we cannot afford a lawyer. This is why Litton is getting away with this. This is just so unethical and immoral. I'm afraid by the time the State of Illinois checks into this, my family and I will be out on the street. Litton is holding all the cards. I really believe they hold out just so they can foreclose or all the stimulus money is gone. This way they can still make money hand over fist as well as take peoples homes.

I, like most people, will not go down without a fight. I will find someone to help me and I will stop at nothing to try and shut this company down. That Litton can take to the bank. Sometimes people can only take so much.

Litton continues to extort money from my family, by the thousands. First, when they took over my mortgage, adding erroneous late fees and charges. Since then, it's been Forced Placed Insurances, triple and quadruples what real insurance charges. It goes unrecognized by our Governor's Office here in Florida. Litton Force places insurance on us every few months for thousands of dollars. When the insurance company and I fax and fax, they continue to send form letters, saying since they haven't heard from us they are again force placing $6000 just for flood, which I already have, for $2000. Apparently there are no Laws to protect the Consumer from this; Mortgage companies can make up any figure they want. My Insurance Agent says it's against the law, however, I am proof, that it's not true. Tell me, where is the help for working people? I Can Not afford this over and over again. The mental and physical stress is killing me. I cannot afford an attorney; this is why people are losing their Homes.

I called in August to try to get help with my mortgage, because I could not afford the payments. I missed a payment in August for $1,477.00. I was later given the chance to be placed on a 3 month trial, to see if I could qualify for a permanent loan modification. My first payment under the trial period started in September for $1108.00. I was told I needed to pay on time every month, which I did. I even sent my payments 2 to 3 days early, to make sure it got there on time. When November came, I called to ask what happened if I got accepted, or what they said. They were busy and behind, and did not have an answer for me. They said to keep making my trial payment, until further notice. In the beginning of December, they said they needed more paper work, including my taxes again, which I had already submitted 3 months ago, and would show the same thing, considering that it was in the same quarter.

A week later, December 21, I received a letter telling me that Litton Loan recognizes that home ownership can be challenging, and is committed to helping its customers avoid foreclosure whenever possible. At the same time, I received another letter on the same day, December 21, saying "Litton loan has received your request for assistance. Unfortunately, your loan does not meet the guidelines provided by the investor. We are unable to offer you an alternative workout solution at this time. If foreclosure has begun, it will continue until you make an arrangements with us". On December 24, I received another letter saying "our records indicate that you have fallen behind on your mortgage payments. Foreclosure may begin soon, or may already be in progress. Litton loan recognizes that you may be feeling overwhelmed by events beyond your control, and we offer a number of workout options for home owners experiencing financial setbacks".

At the end of the day, after all those letters were sent, I called and they said I owe $4,800, when in reality, I only owe $3,500. I asked about the difference, and I got transferred 5 different times, and did not get an answer! I left a voice mail for Lamika, and I am still waiting to hear from her. I spoke to Ashley and she was extremely rude and unhelpful. I wanted her to transfer me to Bennie, because I heard this was the person to help me out, and she refused. I would really like to meet these people and have them feel what it feels like to be on this side of the story. I hope I can get through this, and if I do, I want to bank with another bank.

I am now back to paying $1,477 plus $4,800, that they say I owe them. This is like catch 22. You are ** either way you go. I have heard horrible stories about this Litton loan, placing people on trials, and at the end of the day, simply saying "sorry you do not qualify", but i tried to stay positive, and say to myself "oh no, I will qualify, I have faith I will" and I did not. I felt and knew what these homeowners were talking about, and this is why I am here, wondering if Litton loan is really doing loan modifications, because it seems like they are not. They do not even want to help you. I am a single mother, and only get $250 a month from my ex-husband for child support. This is not enough!

In June 2009, my wife and I were informed by Litton that we were eligible for a trial loan modification and that all we needed to do was complete the paperwork and mail in the first of three payments. We did as requested, only to receive our initial payment back in the mail along with a letter stating that our modification was not approved.

When we called, we were informed that we were missing information and that our payment needed to be in certified funds. (The letter from Litton never stated this.) OK, no problem. We complied and then faxed in the paperwork and re-sent the first payment along with the second payment a week later both by certified mail. A month after this (we are now talking early September), we received both payments back again with a letter stating that our trial mod was not approved.

In mid-October 2009, we were informed that they now had all the paperwork and all our payments, and we were promised that a permanent modification would be approved. Three days later, we received a letter in the mail stating that we were denied with no reason for the denial. When we called to see if it was a mistake, we were informed that the net value on the home was too low to modify the loan. It turned out that during the entire time we were going through the hassle of the trial modification period, Litton was continuing to add to our delinquency. (We were already behind in our payments when we began this process.)

So, in essence, what we were told is that since the value of the home dropped below what was owed and added to the delinquency amount, the investor's loss on the loan would be too great.

When I asked about the federal programs recently passed to help people like me and the money that Litton received, I was told that Litton choose not to participate, as it would make them modify too many loans.

Now we are in a process to short-sale our house, and it seems that Litton is all too willing to speed up this process. The actions of Litton, in my opinion, constitute an unfair business practice and fraud, since they made representations about the process and our approval, but instead they created a situation in which they knew that they would not live up to.

This company does not help anyone. They are full of lies. They make you go through all the motions with their empty promises of helping you keep your home. I have submitted my documents four times, and all four times, it has been denied, all with different reasons (i.e I make too much money, I don't make enough money, I don't meet the investor's guidelines, and this last time, my home does not qualify, because my home is worth less than what I owe). I thought that this was the point of helping people, whose homes got devalued, and are having difficulty making payments. The Litton agent told me this last time, not to even bother re-filing my paperwork again, because it will be denied as well.

So what are we supposed to do. Who are they really helping, aside from their fat pockets? I heard all of these success stories all around me, how they got their loans modified with lower rates and payments with their lender. Of course they did, because their loan is not through Litton, and I've yet to hear of anyone having a successful modification with this company. I worked with a loan modification attorney, and not even this way was I able to achieve anything with Litton. They have a supposed loss mitigation department (so they say), but you can't talk to them. Your only support are the rude, and completely ignorant customers service reps. They cant help you. No one there can. Unfortunately, I am forced to become this great country's statistic. I will be losing my home as well, due to Litton's inability to help. It caused me emotional distress.

I applied for a mortgage loan modification in July of 2009 and was never given any feedback regarding my application--whether it was received, approved, denied, etc. In late August, I received foreclosure papers. Because I live in NJ, we have a forbearance law that prohibits Litton from foreclosing on me for six months. I received a phone call in November from a Litton representative asking to settle my outstanding amount due.

When I told her that I submitted paperwork in July for modification and hadn't heard from them, she informed me that I had been denied. I was given a list of things they needed to reconsider a modification (apparently, they hadn't received all the necessary papers the first time but failed to let me know). On December 1, I submitted all the paperwork again via fax.

After waiting a few days and hearing nothing, I called again and was told that half of the paperwork didn't come through. Suffice it to say, I was able to confirm on December 31 that all my paperwork was received and they were reviewing it for modification. That could take anywhere from 60 - 90 and that I should call back once a week to see if I had been approved because they couldn't possibly guarantee that I would be notified in a timely fashion since they have over 400,000 accounts.

I have applied for a loan modification in August, 2009. They are constantly telling me, when I call, that they don't have all the necessary documents. I have sent some documents 3 or 4 times. I have received confirmation from Litton Loan that they got the documents. When I call back to find out about the modification, they tell me the same thing again, that they don't have all the needed documents.

This has been going on for 6 months. I am now 2 payments in arrears. I am making one payment tomorrow, and then owe only one, which I plan on paying ASAP. If I got the loan Modification that Litton Loan told me I was qualified for, I wouldn't be behind on my mortgage.

Initial: Our loan was transferred to Litton thereby causing a late payment and subsequent credit damage. Refinancing my ARM loan with other institutions for an affordable payment was crippled.

Request for Mod: Requested loan modification November 2008 and through the course of 2009, experienced much of the same as problems as described in Consumer Affairs article dated August 19, 2009. Many rabbit trail phone calls, waiting on paperwork delays, still in the committee, etc. tactics were encountered.

Loan Modification: September 2009, a loan modification package including the first months payment (October 09) was submitted to Litton, though a $1,700.00/Month payment was really more than we can afford. We took this gamble only because one of the loan counselors with whom I spoke recommended our going this route long enough to regain credit history.

Boiler plate letters began hitting the mail box stating a higher agreed-to payment as outlined in the Modification plan. Subsequent phone calls to Litton only added to the stupidity of the whole situation where I was told that these letters should have not been sent? October 12, 2009, the first months check was returned to me with a form letter with the box

Other: Trial Loan Modification not confirmed checked. A phone call on the same day to Julie H was all but hilarious. She said, well Mr. D, it looks like we have all of the paperwork required for your loan modification except for your first months check and you say now that it was returned to you? She referred me to my personal loan agent, Salina N., who not at her desk. I left her a pretty detailed voice mail stating that I wanted to resolve this issue before it got any worse. A 2nd call was made to her on October 23, where another voicemail was given.

I have not heard from Litton since. Mid December (can't remember exact day), a man showed up on my front porch saying (paraphrased): I'm not sure why I am here other than I was told to confirm occupancy of the home. Is the power on? Only because he woke me from a nap, did I not ask for identification and paperwork for his business at my home. I can only imagine he was sent by one of Littons pawns. As of today, January 5, 2010, five (5) payments were made to Litton in 2009 and are now patiently waiting for mortgage loan that is fair and backed by a legitimate lending institution.

I was sent a letter by Litton Loan saying that I qualified for a loan modification. I went on the Internet, filled out the application and sent in the required papers. The next time I looked at my statement, I was being escrowed for taxes and insurance. I called Litton Loan and talked to a lawyer named Dawson. I asked him what was going on. I had not filled out the modification and returned them. Why was I being escrowed? I told him that I did not want the modification and I had thrown the papers out. He told me that the modification Litton was giving me was a good one and I should take it. He said that my first loan would be at a 1% and my second would be at a 4%. He said that he would mail me another copy. I never received the copy he was to send so I called back to Litton. This time, I talked to another man who told me that he could fax these papers and I needed to send them back with all the paper work needed.

So I mailed all of the papers and the payment required to start the modification. I was contacted by Litton and was told that I needed to send more papers so I did. I mailed and faxed stuff just to be told that it was never received. I called Litton to have them email the loss mitigation department to call me. Yvonne called me at work. I told her I sent the papers to her via mail and had put a delivery confirmation on it and it had been delivered. She had said that she didn't receive them so I faxed them to her.

I called back again to Litton because she said that she had not got it. So I faxed it to her again. I talked to her over the phone and she went through her faxes and finally found them. She told me that I needed to send her two paycheck stubs. When I heard for Litton again, they told me that my income went up so they had to redo my modification. They sent me a new paperwork and it started over. I was not sure about all of this so I had one of the guys I work with, who used to write loans, look at it. He told me that he had never seen anything like this and that he did not know what I should do. So I called Litton to ask if there was anyone there that could tell me if this was good for me.

The young woman I talked to said that this would be good for me. It would lower my payments and free up money. I sent the paperwork to them. They requested more stuff and I sent it. I talked to Anne and she told me that all I had to do is send two paycheck stubs and the last page of my bank statement and I would be good. On Dec. 21, 2009, I received a letter saying that my loan does not meet the guidelines provided by the investor and they are unable to offer me any other workout plan.

The next letter I opened was a notice of default and intent to accelerate. I needed to send $4,660.35 to cure this default. I called Litton to see where this amount came from. They told me that I was behind on my mortgage payments and that to cure this, I had to send the money. I added all the money I sent and the taxes they paid and came up with owing $2,225.11. I called Litton and asked them why I had such a difference and they said that I had not made a payment since Sept. I told them that I have all of my checks to prove what I paid and I faxed them to their research team. I have not heard back since then.

I understand what all of you are saying; it has been the same way with us for the last nine months. We did everything they asked of us, even sent all the paper work by fax and certified mail and got the signed receipt. We made all the payments. ow every piece of paper they send has a different amount, then the next they tell us we don't qualify but accepted four months of the trial payments. Now they want more money for a monthly payment than what our original house payment was. They have to send you all over the world through the phone to get you to a answering machine that doesn't call you back. We're sick of Litton.

My parents used Litton Loan Service to do a loan modification on their home after my stepfather lost his business, and the loan company increased the ARM by almost $1000.00 a month. We spent $3000.00 on their attorney fees and were told that the loan was approved, and the new payments were just under $900.00. Every month for 5 months there was paper work incomplete, or something needed to be signed, but they still took our mortgage payment. On the 28th of December, we were notified that these payments were only on a "trial" basis and that our loan was not approved and they were foreclosing in two weeks (January 6). We asked the money that we had been paying back, and they told us that they had applied that money to our default loan, and would not refund it.

I fell behind on my mortgage on about March 2009. I asked Litton Loan for a loan modification program. I faxed this company all my paperwork, but I received a letter from them that I cannot get a loan modification, since I never faxed them the paperwork.

I had to do Chapter 13 bankruptcy and for being four months behind. Litton Loan stated I own $29,000. The Litton Loan lawyer sent me a letter after I filed bankruptcy that I am eligible for a loan modification program due to recent lawsuit against the company. Again, I faxed all the paperwork but to no avail. I faxed them all my paperwork in October, and still I did not hear from them.

I know paying my mortgage of $2748.00 and $877.00 to the trustee for my bankruptcy. I am under a lot of stress in paying them huge amount of money.

My boyfriend and I recently tried to buy the home. Originally, we had put an offer in on the home earlier in 2009 and lost the bid to another couple. This month the house came back on the market. The MD REO realtor said the couple made improvements to the home that were required by FHA and even purchased a new stove, but the couple broke up and didn't buy the home.

After seeing the Litton Loan Servicing (LLS) Addendum to Contract of Sale we have our doubts about the reasons the previous couple decided not to buy the home.

The LLS addendum supersedes the MD Residential Contract of Sale, resulting in forfeiture of many of the rights buyers have under the MD contract. We had many concerns about the contract, but our primary concern involved the home inspection, signing the contract would waive our right to get out of the contract based on the results of the home inspection. Of course we did not sign the LLS Addendum as is and we sent the MD REO agent our revisions on the LLS Addendum and our offer was then rejected.

There are many parts to this story that I have left out. I am posting this because I want people to be cautious when dealing with any parties involved in this complaint.

My loan was sold to Litton in Nov. 2006. I was clueless as too how that would change my life. In Feb 2007 I recieved a check from Litton for an Escrow overage of $3K. That's when my nightmare began. I wish someone had told me to send it back. The following year in Feb 2008 my escrow statement reflected a shortage of over $6K! Because of this Litton increased my monthly payment by almost $1K! It felt like complete sabatoge! My husband and I did our best to maintain these payments but fell behind a couple of months. By Nov. 08 we were desperate for relief and a cust servc rep suggested we apply for a modification, which we did. After waiting 3 to 4 months for a response, in March 09 we were told we needed to reapply due to the new federal guidelines and programs. We applied for a modification a 2nd time.

We waited another 3 months for a response still struggling to make the $2200 payments. It took us all the way until June to make all of these payments and just when we received the annual statement with our new payment of $1,647 we were approved for a trial modification payment of $1157. We followed the requirements to the letter, faxing and refaxing documentation,and making all payments on time. By Nov. 09 they needed more time and extended our trial mod for another 2 months until Dec. 31st. Still we made timely payments and faxed whatever else was required. On Dec. 23rd I received an automated msg that Litton had been trying to contact us(Not)! When I called I got a recording that stated our modification had been denied! When I finally got a live person first I was told our expenses exceeded our income, which was not true, then I was told it was because there was equity in the house.

When I questioned that I was told Litton would have to write off too much to modify the loan. We are now being told that our total delinquent balance is around $8K! They have added the difference of all of the trial mod payments and late fees to our delinquent balance. Additional fees that they caused by delaying the process for over a year I might add! Totally frustrated we contacted a HUD approved mortgage counselor who meet with us immediately and contacted Litton to find out exactly why the mod was denied. After talking to 2 diff people we were told to resubmit documents and wait 72 hours. The counselor also told me to file a complaint which led me to this site. I had no idea that I would find 66 PAGES of complaints against this company.

At what point will it be enough for the government to take action against this company! There is more than enough proof on this site alone that Litton has unfair practices not to mention the others sites that I'm sure exist. How can the economy ever recover when hard working people are doing everything they can to help stabalize it, but keep being taken advantage of by corporations that don't care or want to do their part???

My mortgage was sold to Litton Loan Servicing without any consent from me. In July of 2009 I applied for a loan modification. I finally received papers in the mail in September that I was on trial for a modification and I was to pay a certain amount accoding to the papers for the next three months until a decision was made. I signed the agreement and followed every instruction that they sent me. In Novemember of 2009 not only was I denied for the modification, with an excuse that I did not meet the guidlines for a modification at this time, I was told that I had 30 days to pay off the balance and that I did not pay during my trial period or else I would be moved to forclosure. If I had that kind of money I would not be asking for the loan to begin with!

I was able to pay $5000.00 of the $6200.00 that I owed them and worked out a payment plan to pay the rest off. I am now paying $200.00 more on top of my mortgage payment plus being charged late fees. They are also sending statements to my credit report that I am late on payments until it is paid off which means the credit that I worked so hard to keep is now shot not to mention that a bank will not even condsider me for re-finance with all this on my record when I just did everything they asked me to do. I really got screwed on this whole deal and if President Obama was aware of banks like these he would be truly upset. He made these programs to help people and some of us are in more trouble then we were before we requested help.

we had a home that litton loans aqiured our home loan we lost it back when the wave of forcloser started to unrival. When Litton purchased our loan it jumped 4 to 700 dollars in monthly payments we lost the home so I dont know if there is anything that can be done for us but our credit has litton showing that we still owe them 20k and they have sold the home a long time ago

I am finding that they are not out to help anyone but themselves. It's amazing how everyone has the same story...obviously tells you something about this company. Now my house has a sell date of March 27th 2010, so they gave me the name and number of the attorney so that I can work out a payment plan. So all I can do now is pray. LOSS OF MY HOME!

I purchased my home 30 years ago. My mortgage was with Mellon Bank, subsequently sold to Litton Loan Servicing. I never missed a payment. About six months ago Litton Loan told me the term of the note was up, and that I owed about $5000.00 in one lump to keep my home. I called many times and they seem to never know what is going on. They sent me a "payoff" amount number that did not give me credit for the few thousand dollars I have paid since they started putting my payments in a "suspense account."

Now they have sent me a Notice to Foreclose." This is a nightmare and I don't know how to get out of it! I do not have the lump sum they want, which seems to get bigger instead of smaller each month as I make the payments. They have destroyed my credit by reporting to the credit reporting agencies that I have missed 8 payments! Actually, I have missed NO PAYMENTS in 30 years.

I believe they are crooks, but so far, they are winning here. Please help! My credit is destroyed. I have a Notice of impending foreclosure on my home, when I have never missed any payments. I am 63 years old.

we put in for mortgage modification back in may 2009, said they had no rules from gov. end of may they sent a packet and if we had signed we would be taken out of any gov. modification. we did not sign after calling fannie mae who holds our mort. and weeks later we finally received a packet. we did everything they asked signed paper, faxed, sent three trial period checks. in oct. we were told they used wrong calculations we would have to do the three month trial again but they had everything except an income tax form,which we faxed immediately and they needed a check for the difference with the new figures.

we sent the check all correspondence with them we sent return receipt. we were told after nov 1 we would receive our modification and start new payments. from nov to now we had to fax the same income tax papers over 4 times including the first time back in june. so we think everything is going ok and mail a payment for december 2009 with new payment. they sent the check back stating not enough to cover the payment and we are going into foreclosure.of course this was sent right before the xmas holiday. today is dec. 28 i have sent a letter to the president,called and left messages with litton. i am calling fannie mae today and now sending you and bbb this info

in june 2008 my husband was in a serious accident on his job, he was life fligted 3 hrs from where we live he was off work due to the injuries for 3 months. We at the time missed worked I used all my vaction time and spent what money we had to stay at a hotel close to hospital. We didn't have a pay from my husband for 3 months and we had enourmous hospital bills coming in that weren't coded correctly under workers comp.

We fell behind on our mortgage. Litton Loan refused to do a remodification with us but a repayment plan that took our house payment from aprox. $800/month to $approx. $1400/month still leaving us in a bind that we now can't afford our monthly payments. we recently went with a company USLAC and the sr. processor tracy c. is taking care of all our info. They said if we pay them (uslac) $1500 they will take care of everything for us.

it is now dec 27 2009 n we still haven't had anything resolved and our home is in foreclosure. Tracy has requested us to fax numerous times the same papers over atleast 4 diff times due to litton loan saying they never recieved it when she sent it over to them wether it be a hardship letter, paystubs, w2's ect. We now recieved a letter from litton saying we do not qualify for a remodification although from what uslac has told us from the start that we did and it would take no longer than 90 days to get everything resolved.

My husband and I both are working and are able to make a mortgage but what littons loan is doing is making our mortgage payment so high its impossible for us to make. They now want to do another repayment plan and as of april 2009 they started sending what mortgage payments we were able to send to them back to us. We understand that there are guidlines and things but my husband and I would have never fell under these horrible issuses had he not gotten hurt at work. but that too was out of our control. all we are asking is a remodification be done so that we can afford our home monthly payment and get back on our feet.

We've tried everything and now we just are not getting any co-operation from litton loan at all we cannot get thru to talk to any one and if we do once they transfer us it either gets disconnected everytime or we are told they aren't able to transfer to that dept and they give us another number to call and so on. We just want justice done for a average american family thats trying to do what is right. we were 3 months behind litton loan refused our home payments we did send and we tried numerous times to get ahold of them and cannot ever get answers or are told they never recieved any of our information.

I am among the many stories that have been written. My loan was sold without my consent to this fradulent Litton Loan. I had a reasonable interest rate of 7%, had never missed a payment and then was sold to Litton by my mortgage company. Subsequently I lost part of my income, missed a payment and immediately notified Litton in an attempt to get a modification to keep from being behind each month and after 6 months, frequent lies, submitting verification over and over, I was told verbally that my modification had been denied.

After paying taxes for over 40 years, it is unconsciousnable that these people have my tax dollars in bail out funds and and obviously do nothing to assist people.I advised Litton that my employment was coming to an end in 6 months. The loan person advised me to wait until I am actually unemployed to BEGIN resubmitting the paper work. I was trying to get ahead of the problem not behind it. I contacted the HOPE program again and once again they were of little value as I can write out a budget with no funds. I only hope that there is some firm, group of attorneys that will take these cases against Litton as a class action. From reading the prior entries, it appears there are thousands of us around the country getting ripped off with our own government funds. Litton needs to be put out of business IMMEDIATELY.

On July 16th I entered into a loan modification program. I was current customers with NO late payments. I wanted to refinance to make my loan more affordable. Litton Loan told me that I could only do a loan modification to lower our interest rate. With our previous home we filled out paperwork paid a fee and received a lower interest rate. I believed this was also the case. I made the 3 required monthly payments. I was told that in no way would this damage my credit and that I would remain current throughout this process. I found this web site and after reading the horror stories I decided that I would no longer pursue the modification process and I would refinance. Note: I was constantly told that my loan was approved and then would be called to say they needed more paperwork. I just wanted to lower my interest rate and now I find I need to pay them an additional monthly payment as the last payment I made went directly to cover the difference between the modification amount and my regular monthly payment. I was not notified that this would be the case and now 2 days before Christmas I need to find 2182.00. I have contacted an attorney and am filing complaints with the Banking Commission and the State of Connecticut Attorney General.

am experiencing now.

As we all are aware President Obama recently spoke on the modification program. Im a homeowner whom has meet all requested responsibilities which includes all required documentation and paid all (3) trial payments plus an additional trail payment in a timely fashion according to Litton Loan Servicing, made the 4th trial payment this month.

Loan Workout Plan page 3 (4.Additional Agreement E). Notwithstanding anything herein the contrary, if my final two Trial Period Payments are received by Servicer after the close of business on the 15th calendar day of the last month of the Trial Period but before the end of the Trail Period, I agree that the Trail Period shall be extended by one calendar month (the Additional Trail Period). I agree to abide by all terms and provisions of the Loan Workout Plan during the additional Trail Period. In addition, I agree to make a Trial Period Payment in the amount of $1094.92 no more than 30 days after the due date listed in the chart of Section 2 above.

In June 16, 2009 I submitted all required documentation regarding this loan to start the trial payments under the HAMP. I signed all required paper work plus mailed first payment of $930.98 on 7/16/2009 before 7/17/2009 to receive a call stating I owe more money because someone missed calculated. I was told I had to sign a new Loan Workout Plan which I did and paid 161.96 on 8/31/2009 and my payments would increase to $1094.92. I was told once all trial payments have been made the final amount would be adjusted using the correct figures. Litton Loan Servicing did not post the money to my account until 10/15/2009 which needs to be corrected. I have spoken to the a few times regarding this issue.

Im told by HUD this loan must be completed by the end of this month! I was told by some one at FDIC.gov to contract FTC and Consumer Affairs.

They have not told me what these guidelines are.
Now since I was on the modification for four months it has caused me to fall behind in my payments, and has put me in danger of losing my home. The only people I get to speak to at Litton is their CSRS who are very unhelpful

I feel this company has treated me very poorly in this matter and I hope your office can do something to help me. Also they should have checked to see if I met the guidelines BEFORE I was put on this trial period.

I received a letter form the commonwealth of massachusetts office Of the attorney general re: important information regarding settlement agreement involving litton to attend a work shop on october 22, 2009. i attend this workshop. i sat down with a Mr Hurrard from litton loan to discuss option that would help me with financial difficulty.

at that time i submitted all the paper work that was needed for a Hardship. Mr Hurrard reviewed my documentation, he then stated i was all set and approved for the loan modification. He also stated that i would be receiving my new agreement terms in the mail in about 10 days and once i received the paper work have a notary and myself to sign return with the first payment and to continue making payment on time for three month then they would review my case after that.

i had been on the phone at least 3 times a week with litton loan only to be told that my loan is being reviewed and also i was missing different docimention. over and over again i would send the same paper work over and over to only be told something else was missing. this had been a game with this company and as of 12 /13/09 i was told my loan modification was denied.

the only option i have is a short sell or foreclosure. I was so in shock after learning about this. i call hub and was told after the rep reviewed my information that i never should have had this loan at a 6.99 and 12.5 basic on my income. i have been railroad and the lender don't care. they make money off the same property over and over plus get money from the government.

they prey on the hard working person of family who are only tyring to have a piece of the what the call the american dream and the end results the bigs dog's come along and then take the only thing we have to leave for our children. Not only that they don't care if our family in up homeless. they sleep in a nice warn bed at night,

after correcting my thought i call back and i spoke to this person danny, about the option to make payment arrangment. after he revied my situation he came up with an additional $200.00 a month, ha ha i am here because i fell short on my payment and the rep told me i was all set for a modification. now If i was having difficulty paying the last few payment what make him think i can pay addition $200.00 to my already $997.00 @ 6.99 %. pay on the first and $388.00 @ 12.5% second. with the new arranngment the first gose to 1202.00 + 388.00, condo fees $253.00. where do they think i have this can of monie in a hardship

i can't afford to hires a attorney so meanwhile i between a rock and a hard place and don't know what to do. i have read atleast 66 complaint story on how this company have lead home owner with false hope, lies, until something can be done this will continue to happen to poor folks who working to meet their bills. unexpected thing happen and their no one to help durning these difficult times. this has cause me sleepness nights and diffcult forcing at work, crying all the time, not noing what to do. please if anyone has answer to my situition please contact me. i pray that there's help on the way to those who has lost their homes please don't give up

Like many others, at the beginning of this year, my husband's work hours got cut back so our 1890.00 house payment began to be hard to make but still through it all, i was always taught pay the house first.. you have to have a place to live. so that is what we did struggled to make the house payment, sometimes a day or two but never more than a week. So when we heard of President Obama's home modification policy we decided this would be a good idea and looked into getting it done ourselves because it would have been a blessing to get our everincreasing house payment down to something more in our budget.

When we built our home six years ago our payment was 1445.00 now it is almost at 1900.00 note we have a 30 year fixed rate of 5.2%. so the modification sounded great to us. So in June we contacted litton loan servicing who had only held our loan for maybe a year, it had been sold to them in 2008, and asked them if we could do this and they told us that we were current and that we would need to be in default for at least 60 to 90 days. so he advised us not to make our house payment just make sure that we hold one back because we will have to have the first house payment immedately to close the modification. Then after months of refaxing, irs letters or what ever thay asked for asking what is going on in the beginning of november 2009 we had heard nothing from litton loan saying that they accepted or declined us.

So my husband called and asked and they told him that the loan modification had been declined based on the fact that we make too much money and proceeded to tell us that we could try to buy our house back at a short sale. So we contacted a nother mortgage company and they too could not understand why we did not get the modification, they actually said we were perfect canidates for it and that ill advice on being late to qualify for the modification well, it just wrecked our credit unabling us to get any assistance from another company. Further more we have a second mortgage with gmac and that loan was modified within a month of requesting it, from 600.0 to 400.00. and we did not have to do anything but fill out the forms and fax them.

My cousin and her husband have citi mortgage had their loan modified from 2200.00 to 1400.00 and had no problems what so ever and financially they are way better off than us. I personally would love to talk to litton loan servicing, but I cant. Since the switch my name is no longer on the mortgage loan and litton cannot talk to me even though my name is on the deed and i make payments on the loan, their policy is that i have written consent from the loan holder. So in June my husband began faxing letters of permission to litton allowing me to discuss the loan. After 100+ letters in a 6 month period i still do not have authorization because "we have not recieved any thing, it takes 3 business days to process.. try faxing it again.. no we have nothing on file or recorded... Very frustrating. We are still playing catch up with bills from the set back earlier this year. They could have and should have done the modification. I was shocked when i read the other complaints.. an awful echo of my own experience of this company.

As like all of the others I was also a victim of Litton's dealings. Our note got sold 5 times since 2005 and in 2008 Avelo Mortgage was able to start helping us with a modification plan. We sent in 3800.00 to start the process in March of 2008 and continued to send monthly payments awaiting for the final response. In June Litton acquired Avelo and did not apply the funds and immediately denied the case without even calling us. Their response was "We do not make mortgage mods". Since then they have taken over 5,000.00 more and we had paid in attorneys fees in excees of 7,000.00 extra. Litton did not even gave us a chance to short sale the property. Now they say we owe ove 44,000.00 in fees and sold the home.

I was experiencing some tough times like many. In 2008, I tried informing the mortgage company about my dilemnas. Of course, they would not assist or arrange something for me that was attainable. At that time, I asked if they would split my mortgage in half and I pay every two weeks without being charged for late fees. Well that did not go well. I decided to go a local housing facility that assisted people to get out of foreclosures. The company was excellent. They were able to negotiate with Litton Loan. However, Litton lowered my interest rate; which in turn my mortgage payments were lowered too.

Now it appears that I am being charged on a monthly basis for all sort of fees-fee assessments, corporate fees, suspense fee adjustments, and corporate advance fees. These fees range from $50-$100 every month. It is very hard to speak with someone over the phone. Their customer services is lousy. So I emailed them with my questions and concerns. No one has emailed me back or anything. Fortunately, I took up a second job to help subsidies the cost for my mortgage. I have paid my mortgage on ontime without going past 30 days for the entire year. Since 1/09 to 12/09 I have paid $4276.95 in escrow. My property taxes are $1,248.68 every 6 months and my Homeowners insurance is $1538.00 yet Litton states that I am -$1345.84. When we had negotiated everything I was told to pay $1200 towards fees and attorney fees. So then my mortgage was $967.00 a month, within the next two months it went to $1096.22 and now it is $1150.40. Can someone please help me? This mortgage company is nickling and diming me into poverty.

I have to comment about Litton after seeing the dozens of complaints. Litton took me thru hell these past few months. It started in March 09 when my interest rate went from 6.7% to 8.35%. I contacted Litton to start the process of a loan modification. I sent all of my information in April 7, 2009 to be exact. I called at the end of April and Litton stated they never received my information, so I sent it again. On July 2, 2009 Litton sent me a workout package in which my payment increased from $647.01 to $972.22. The gross income they had was overstated by $1,100.00 so I had to send more information in.

On July 13, 2009 I attended the NACA program in Cleveland in which Litton was one of the participating lenders. They modified the loan to $729.73, but guess what a month later when I called Litton because I never received the package they said they did not participate in NACA. So I put a complaint thru the BBB, and Litton responded. However, I still have a second mortgage and I thought thru the Making Home Affordable plan that the mortgage can not be more than 31% of a person's income.

With my first and second mortgage it is roughly 40% of my income. In the 5 years I owned my home I have never been late. I can not afford my mortgage and I'm to the point where I'm just going to let the house go into foreclosure, because Litton is still scamming people and being fraudulent in their dealings. I figure in about 5 or so years Litton will be out of business for being so shady. Do these mortgage companies not realize that the average american makes the world go round???? When you try to take advantage of people and be slick to try to make a quick buck it only hurts the company not me. I will have my piece of mind and more money, and Litton will have another vacant home.

Flash forward to July, 2009 - about 5 months ago. I started the process of "Mortgage Modification" with Litton. I submitted everything they asked for, and over the next three months they asked me to resend the same stuff because either they couldn't find it, couldn't read it, etc... The latest fiasco now is that because my employer uses electronic Leave & Earning Statements, I had to screen capture it in order to get the text large enough to read. They now claim that I need a letter from my employer stating that one of the LES was a paper copy and the other one I submitted was electronic. I got them on the phone and told them both were electronic copies and that my employer had switched the format of the electronic LES. That is why the font is different and the layout of the latest LES had more information. Now I'm being told that I have to start the whole process all over.

Denial of modification of loan based on nonreceipt of my required documentation however, I fax'd the required information 3 times, and have confirmation that the fax was completed and sent to the correct number.

Litton automatically debits my account for my monthly payment. It is debiting my account also for late fees. This is crazy. Litton controls when it takes my payment, which it debits to my account then waits until the next month to withdraw the late fee. I am trying to cancel the ach but I have not heard back from the cash management department who you have to write and BEG to set you free.

Litton is stealing money from me. I am a widow, elderly and on a fixed income. Litton has caused me to go into default on my other debts due to its stealing my income. I am stressed beyond belief. I have hired a lawyer I cannot afford just to save my home from Litton's grubby mits. I cannot afford health care though, and I don't know what to do.

Also, I applied for loan relief in September, and it has been totally ignored, despite the government's urging to banks to help people.

I called in Dec last year to see if they could do something to get us a lower rate. They were getting behind in payments and they told me that all the details in the modifications that the gov. were doing for the stimulus were not clear yet. I kept in constant contact with them and filled out and sent every bit of documentation they asked for several times over.

They sent us a temp payment plan and we made all those payments they sometimes sent them back, but after talking to them and sending the info again that they wanted they accepted the payments and said they would let us know if it had been apppoved.

By then it was Oct. and we continued to send the amount the told us to. Then we got a letter saying that it had been denied and to get in touch with them immediatley. I called and called and was on hold for hours. I filled out and sent the finacial information sheet again and keep trying to call. We are desprate to save our home. We still can't get through to them. We are about to loose our home

I became another Litton Loan modification "victim" when I started the modification process in March 2009. I had contacted Litton in March to inquire about what a modification actually was and how it worked

I have had my mortgage with Litton for 3 years and never missed a payment. My interest rate was due to increase in November 2009 and I was worried about possibly not being able to keep up after that. I did look into refinancing options and found none (not enough equity in house, lack of large sums of money for closing, and appraisals in my area would not substantiate my current mortage.) That's when I was told to inquire about a modification.

I contacted Litton with the hopes that they could just "freeze" my interest rate, but they stated that they could even lower my monthly payments with this modification. I could hardly believe my ears! I received my application paperwork in March & returned it with all requested documents. It took until May to get my "trial modification packet" (I was still making my regular mortgage payments during this time). This "trial" packet explained the terms, requested more documents, and had the new payment schedule (which was almost $400 less than I was previously paying!) I completed all items requested in the "trial" packet and returned it along with a certified bank check for the June 1st trial payment.

June, July, & August were my "trial" months and everything went well and was on time (on my end). Each month, though, I did receive a letter from Litton (1 regular mail & 1 certified) stating that Litton would "accelerate collection of my delinquint loan." Each time the letters came, I contacted Litton immediately, questioning the letters and the status of my modification. I was reassured each time that "everything was fine" and to "disregard the letters as they are computer generated."

On August 27th, I received a letter from Litton (dated 8/20/09) requesting a long list of documents by September 3, 2009. It was the same list of information I sent in March so I called Litton to inquire. They stated that all they needed was the signature page of my 2008 federal tax form. I verified their fax # and stated I would provide before the Sept 3rd date in letter. I received a phone call from Litton the next day reuesting the same info. I stated that I received letter and would be sending the info via fax.

On Sept 1, 2009 I call Litton to make my September payment and double check that the tax form was all they needed before I sent it through the fax. That is the day the nightmare started! Somehow "the computer" had kicked out/denied my modification due to "borrower not providing requested info." This was the 1st and I had until the 3rd to send them 1 page of a tax form that they had since March!! I was also not able to make my modified mortgage payment...they wanted the original mortgage payment amount along with the difference in payment amounts for June, July & August!

I have had almost 4 months of daily phone calls to Litton re: the "fixing" of their mistake...I am talking about hundreds and hundreds of calls, hundreds of messages left and hundreds of un-returned calls. Even persons in supervisory positions (ie: Dan M., Sean W., and even Chris W.) don't return calls!

Litton has taken 3 months to come up with what I thought was a repair to the mess they made. But, nothing is better or fixed, it has gotten worse! They sent me a "final" modification packet that I had to read/decifer, get noterized and send back mid November. They are still claiming that I owe Litton several thousands of back money owed due to non-payment (that until they were able to find some type of solution to the mess they made..they didn't have an actual figure what my payment would be. They had changed it 4 times!) Sean Wilson even had the guts to say that Litton would "take care of the Sept-Nov payments since no on ever told me to pay the "unknown" modification amount during this repair period. I called these people every day...several times per day (and have detailes call logs to prove it!)

I sit and wait for any type of correspondence, I wait for the offices to open (I usually start calling about 8:30 - 9:00am each day), and I wait to see what lies they will tell, things they don't do or will have to get back to me with...but they never do. Litton has taken 4 months of my life away (I don't sleep well, I have lost about 10 pounds, and have been a shell of the mom I was)...will they take our home now too?

As I read the other letters written about Litton, I can't believe no one has put a stop to their criminal-like way of doing business. We need to stop these predators! I would be first in line.

My husband and I refinanced our mortgage and later discovered it was sold to Litton Loan Servicing. These people have conducted themselves like loan sharks. We have repeatedly tried to get our loan modified but have been told our paper work was insufficient or we were mysteriously turned down and never notified. All while struggling to pay them. They have proven time and time again they have no consideration for the clients they are supposed to serve.

Even after my husband's hours were cut drastically in 2008, we continued to struggle with payments. During that time our daughter and our grandchildren lost their home and moved in with us for nine months. Shortly thereafter my husband was layed off. I am currently in school and looking for a position, needless to say, I have been unsuccessful.

Litton Loan claims they are willing to help us, but as of this date we have not received any help although we have tried to remodify and were denied on four different occasions. I have spoken with some of their rude representatives; one of them asked me if we were willing to do a short sale on our home. Imagine that we have been in this home for 26 years.

They are some of the most heartless, avaristic, inhumane individuals that we have had the misfortune to deal with. They should be forced to close up shop and be run out of town. Due to the layoff we are two months behind and I am trying to gather the funds to pay them. They began sending foreclosure letters after the first month.

In September 2008 I requested a disaster forberance plan in which you skip one month payment due to a natural disaster (hurricane Ike) and add that payment over the next 6 months to the monthly payments. I completed the neccessary forms from Litton and was approved. I was told that no late fees would be added to my mortgage AND the skipped payment would have no effect on my credit report because the skipped month would not be reported by Litton.

If I had known the frustration and time that evolved with this I would have paid that payment. Litton DID add late fees (hundreds of dollars) and they DID report the loan as 30 days late to all 3 credit bureaus. It took over 8 months to resolve this. I spoke with so many different people at Litton and was constantly told to fax a letter regarding the issue. I faxed letter after letter with no resolution and mean while my credit score is dropping drastically.

I FINALLY spoke to a customer service representative that was caring and the late fees were credited back but the derogatory credit report remained. I contacted the BETTER BUSINESS BUREAU of Houston and only a couple of days later in June 2009 I received a letter from Litton stating that they have submitted a universal form to the credit reporting bureaus requesting removal of reporting for the months during which I was approved for the disaster forbearance plan. I monitored my credit report for 3 consecutive months after Litton made the correction.

Finally my credit was back to no derogatory information UNTIL AGAIN in 11/09. I applied online for refinance for mortgage and auto loan. Knowing that absolutely no derogatory information should be on my credit I did not request a credit report prior to requesting refinance. I wondered why only 2 companies called me to discuss a loan. I immediately checked the 3 reports and just cried because once again Litton has reported that the loan was 30+ days late during 4 different months. Cried because I thought that all of this was finally resolved.

I pay my mortgage through my bank's online bill pay so their is proof that the loans were not 30+ days late. I called Litton and had to hang up on the first representative which I do frequently because they are mean and act as if I am lying and are too quick to say "fax a letter" instead of listening and trying to help. I verified with a representative the date that payments were received by Litton and was told that only one was listed as 30+ days late.

So of course I had to fax another letter stating that the loan has never been 30+ days late and informed Litton of the dates payments were cleared from my account and requested the negative inaccurate information be corrected. I once again contacted the BBB and am waiting on a response from Litton.

Because of Litton, my credit score has dropped over 100+ points and I am unable to refinance my car or mortgage loan. I am a single mom with no finacial help. I work hard to pay my mortgage on time and it is quite frustrating to have all of the negative marks on my credit report that are false. Sometimes I think that Litton purposely does this to prevent refinancing of my mortgage because I did call them in Jan 2009 requesting a modification but the rude representative asked what has changed since recieving the loan. I informed her that nothing has changed but I would like a lower interest rate since the rates have dropped. I was told by the representative that isn't enough and I would have to had to lose my job or have some financial change to qualify.

I have even considered just putting my house on the market so that I can get out of business with Litton and get a better rate with another Lender. The worse thing that could have ever been done is my mortgage loan being sold to Litton. I hate this company!

This company is so frustrating to deal with. Our mortgage was transferred to them in Nov 2008. That month our second part property tax bill was due on the 10th. Every time I talked with them from Nov 1 to the 7th when they were finally able to give me a loan number in order to make my payment they assured me that my taxes would be paid - they weren't - and we received a late fee of 5%. Upon faxing this info to them they did make the payment but of course we were responsible for the late fee.

Now after holding our loan for a year they have denied us access to our account information online because of the bankruptcy we filed in 2006. Their only recommendation in order for us to access this information would be to reopen our bankruptcy which was discharged in Dec 2006 and apply for a reaffirmation agreement with them. All of this is just crazy.

We have had access to all our information for 11 months online and now they have cut us off. We have made every payment on time without any problems. Why are we being punished by them for something that happened before they even held the loan? Litton just doesn't give a darn about their clients, they just want their money and to heck with the rest of it.

Our loan statements that we receive each month have only principle, interest, and escrow amounts listed. Not one of these statements has shown my prior months payment information. All I can see is that my escrow balance has gone up and my principle balance has gone down. And if my escrow balance has gone down I have to assume that they paid my property taxes, but you know what assume means. Their customer service [is bad]!

Now after reading how others were put into the modification program and then had their homes sold out from under them, I am truly frightened of losing my home. How does one actually protect themselves from these types of practices? Help!!! Why hasn't the government jumped on this problem? I am supposedly on a program to pay back the past amounts due, I only hope they keep their word.

Litton Loan Servicing has gone from bad to worse and we can not afford an attorney and Legal Aid Iowa is not returning our calls. Litton Loan let it slip on the phone that the house is up for sherriff sale on January 20, 2010 and I said that is some birthday present and Sharon says well actually we are not up for forclosure at this time, but their games continue. They have not put any of the money $1550.20 on our account, no wonder we are behind. I need a lawyer but we can not afford it and I am dealing with pre cancer on top of other issues. Litton Loan servicing is trying to get our house and I do not know what to do to stop them.

I started the initial application of a loan modification with litton back in may of 2009.I did as I was instructed by faxing the documents first to fasten the process and then mail them. Icalled almost weekly following the application and each time I was told it was still in progress. Five weeks later after one of my phone calls to litton, I was told to fax over half the documents again because they claimed that those were never received even though I had all the photocopies.

Though frustrated by this I immidiately faxed all the required documents again, I also called to verify that they were received and the person that I spoke with said that they were. Ever since it has been hell. One day I am told everything is okay the next day I am denied. I have kept on faxing the same informations over and over that right now I dont think that i will eve be done. I have not been asked for any new document but instead always something that I already gave multiple times over. I have been cleared to make the initial trial payments on three consecutive times and each time, my money was returned because litton later discovered that they were missing something that they should have had. Needless to say that this has been so costly emotionally as well as financially. at this point I am only hoping for a miracle because I am certain that it will not be done as it shoud be.

Litton has practice deceptive business practices:

1. Telling me to stop making my monthly payments while I'm under review for the modification then holding that fact against me at a later date.

2. Unresponsive to numerous phone messages, emails, faxes by SWIC during a three month period.

3. Through Parcel Post, mailing me a letter stating that I was accepted for loan modification and to sign the new loan papers which they allegedly sent by FedX.

4. I never received Litton loan papers by FedX, I never signed for a package from Litton, and when we asked for the FedX tracking number, Litton denied us access to that information.

5. Because I never signed the new loan papers Litton claims they FedX to me, Litton denied me the modification.

6. Litton adamately refuses me the "short sale" option.

7. As a repayment option, Litton demanded $6,000.00 lump sum payment plus an increase of 200.00 a month added to my exsiting mortgage payment or they would not stop the foreclosure.

8. Litton representatives presenting themselves as "bad actors" when SWIC officials tried to negociate with them on my behalf.

9. Litton foreclosing on my property while I was still under review for the modification. Litton told us, SWIC and myself, I was still under review during a verbal phone conversation and with typed documentation.

My foreclosure date is in 45 days.

Long story short, my parents needed a loan mod. Contacted Litton, started the process, as they requested paper work (check stubs, bills, etc.), it was sent right away. Next thing you, they needed something else, it was sent, and again they were asking for something else, (either making time, or loosing stuff??). We agreed on a three month "trial payment" to begin on September 09, 2nd in October 09, and 3rd in November 1st of 09.

At the end of the trial period I was told that my modification was denied. I didn't qualify because my CPA wouldn't sign the profit and loss statement for our business. I told them that my husband had a different job and wasn't getting income from the corporation that he owned. The forclosure department told me that they didn't want to hear that he had a different job, it would mess up the modification.

So when they denied my modification at the end of the trial period, I submitted all new paperwork with the paystubs from my husband's new job. Two weeks later I was told that I don't meet the investor's requirments. My house is due to sell in 10 days. Litton is disorganized and I have gotten nothing but the run around. My family has been under tremendous stress for 15 months while Litton has bumbled around. I will fight it to the bitter end. I want to keep my house!

I had to take stress leave at my boss' recommendation because I was missing too much work, spending time dealing with Litton. I have sought counseling because I thought I was going to have a nervous breakdown due to the stress that this has caused. It has been such a rollercoaster ride. Litton tells me everything is fine one day and the next day I don't qualify. I am tired and exhausted.

I am just another example of the deciet and lies perpatrated by litton loan. We were told in february of 2009 that we were "prequalified" for a restructure. this was done in writing. 7 months later we were told that we did not qualify due to lack of equity. we asked them to reconsider, and they said they would take a look again.

Two days before the foreclosure sale we were again rejected, not enought equity. Our house was sold for the entire amount owed litton. The investor who bought it stated there was at least 100 thousand dollars in equity in the house. Now the kicker...we tried to negotiate a repayment plan and were told by various represenatives that the arrearages needed to be paid back in 6 month or 12 months or 24 months, it all depended on who you talked to. I was negotiating a repayment plan and was offered a 12 month plan, just send them 20 thousand "good faith" money.

Shortly thereafter the litton rep called me from her personal cell phone and told me not to send any money, they had no intentions of helping you, they just want your money and then they will take your home. Oh by the way Litton added 12 thousand dollars of fees two days before the auction date. they are totally unethical and never bargined in good faith. Too bad we bailed them out only so they could screw us. i wonder who gets the bonus for this. to much to detail. it seems like someone died and we are in mourning

Since March 2009 I have tried ti get a Mortgage Modification under the Presidents Plan. I have sent all of the information to Litton twice, they keep telling me they have not received the necessary paper work. I have sent them everything they wanted. On 11/4/09 I asked then to tell me exactly what they needed what I had not sent. I received suit Papers last week. I do not know what they want or need. I have copies of all correspondence if you fell it would be helpful. I think they are tying to avoid any arrangements with Home affordable Modification Plan.

On 7-8-09 I signed and returned all of the necessary information requested by Litton Mortgage to enter a workout plan for a loan modification. My existing monthly payment was just under $1800/mo. The modification called for payments of $1220.87 to be paid no later than the 1st day of August, September and October 2009 (3 month modification plan.) I fullfilled my obligation and made all 3 payments on time. I should add that the modification saved me $580 a month alleviating some financial problems that I had at the time due to some extra bills. I was told by Litton that after the 3 month trial period was up, I should eventually receive papers from Litton to sign and return to complete the loan modification. Until then I was told to continue to pay the $1220.87 until everything was finalized.

In November I did make another modified payment because I had not received the papers. I was told it's taking longer than the 3 months because of the load of people that have applied for help. And then on Wednesday, Nov. 18th, 2009, I was notified by Litton had DENIED my modification by the Lender. If I wanted to know the reason I'd have to send an email and request the reason. My next door neighbor is a mortgage broker. She suggested that I get in contact with a financial solution agency that she recommended to me. When I called and explained the situation, their employee said she is seeing a lot of this recently. Exactly the same thing. Lots of people who have just completed their loan modification trial period and for whatever reason, being denied the modification by their mortgage companies. So, next month (Dec.) I'm supposed to go back to my old larger monthly payments. I am extremely angry over all of this. Nothing has changed since I filled out the original paperwork for Litton.

I proved to Litton that I could make the payments on time, which I did. If there was a problem to begin with, I would think that the lender would have noticed it at THAT time which is now 4 months ago. Also, I was told that a lot of the mortgage companies are allowing the modifications just to appease Wash. D. C. and Obamas plan to ofier assistance to the homeowners who are having problems, THEN cancelling their modifications once they complete the trial period. Have you heard this? Anyway, I don't know where to go from here. Any suggestions on who I could notify and report this? Or could you possibly help? I have noticed on the internet that MANY people out there are unhappy with dealing with Litton and especially their lousy customer service. Totally unprofessional and non caring.

we began a modification trial in July, and same as everyone else, we were strung along for months by claims that they "never received" the documents that were faxed over and over again - then they reported my loan as late to the credit bureaus every month of the trial!

I became sick in 2007, and had to go on social security which one year to receive. I fell behind in my payments and could not start making payments again until October of 2008. I then contacted Litton to see if there was some way to make arrangements to start catching up and begin making regular payments again. I was told that I should apply for a loan modification and then we could go from there. I also was told to start making payments of my mortgage payments were before I fell behind.

I did as I was told and even made two payments in December of 2008, trying to show them I was really willing to do whatever it took to get back on track. I faxed all the required paperwork as requested (several times, as they claimed they did not receive it). I aslo continued to call them to ask about the status of my modification, I was usually told that it was still in review. I was also told that I had not been making any payments since 2007, which I argued with and stated I had proof that I had been making payments to them. I was told no, they did not except partial payments and again I was so much behind. I again told them yes, I had been making payments, and then it was "oh, yes here they are", but I was still in review. Just wait for my case worker to call and he would let me know if I qualified. I continued to make payments and to call to see if a decision was made yet. I did not find out till June of 2009, that in March the case worker had made his decision in March denying me the modification.

I began to hire several companies to see if they could get the modification that the President had just installed. When I contacted my case worker he made a statement "that it did not matter how many times I applied or who I hired, I was not going to get the modification". I went ahead and hired the first company and was frauded by them, I hired another company and got no results, I hired a lawyer and have had a little success with him, and I have had several other companies try to help me. All to no advail. Litton claims they are trying to abide by the new program the President started but as you can see I am not the only one who has not qualified. It seems kind of fishy that there are so many people in my situation that just do not qualify and there are several others who are not in my situation but who have paid on time and still Litton tells them no way, "hand over your home and go somewhere else to live, because we are taking your house and making a profit for it."

This seems to me to be something they should not be able to get away with and we should have some rights to make it stop. More than anything I want to save my home!!! As I have told and heard repeated times from my case worker I will do anything to keep my home. My finace' has even tried to get a loan to help save our home. But so far no one has been able to give him a loan due bad credit scores. Is there anyone out there who can help us save our home??

I previously complained about the poor service that Litton provided me with through the modification. Now it's so severe that my account is in foreclosure since 10-28-09. I was never warned or notified about this. My modification period trial was due 7/1,8/1,9/1/09 and were on time.In Sept.09 they sent a letter stating I was not eligible for the program. I made a regular payment 10-09 and my account history on line shows all the transactions of my 3 trial payments and my Oct. payment.

According to a local realtor in my town the system shows that I am in foreclosure because I missed 4 months of payments.How is that possible. I have receipts, email copies,detailed notes of my conversations and still don't fully understand how this is happening. I have been in my home for 17 years and never had a problem, but a year ago when my account was transferred to these slimmy clowns my problems began.I really thought that a modification was going to help me not hurt me. I was for Obama at first, now with his darn modification bologne that he stressed, I feel that he is to blame or the sick mortgage companies such as this one that is taking advantage of their customers. I signed a repayment plan which will increase my monthly payment by 300.00 for the next 16 months and wired 3500.00 to these creeps on 11-12-09.I am nervous that they will not post it properly. This is physically and mentally affecting my husband and me. Sadly to say my 3 little ones are witnessing the sadness of all this. Another class action suit against Litton needs to get started.

Before I start this thing with Litton Loan servicing has been a total night mare. My husbands loan was sold to Litton for some odd reason, and we were never warned. We were making payments on time and still do. My husband lost his job of 21 years due to Maytag closing down and his unemployment ran out. We heard about loan companies helping with loan modifications and the presidents plan in regards to loan modifications to help people keep their homes due to the economy so in late June we started the procedure, and it has been a night mare ever since. We got and signed the paper work, sent the 4506t so many times I lost count, we did everything by the letter.

Since then we have had harrassing phone calls telling us we are behind. We never get the same person and when we ask to speak to the same person they will not let us. They have come by and taken pictures of our home, and one day even though they did give it back I had accidently put a check for my doctors office clearly written to my doctor and they processed the payment, they did refund my account but sent a letter stating they were going to put it against my husbands credit if we did not give it back when I asked about it I was given the run around. They had us send things multiple times we finally started working with a company that turned us on to legal aid however legal aid can not help us at this stage, but my story gets worse.

After all that hard work we get a letter from them stating, we are denied our loan modification as we never sent our initial payment in, oh yes we did,as I can prove that it cleared and Litton said yesterday 11-16-09 that they saw the payment too, but they are making us start all over with the loan modification process. My husband and I fear they are going to try and take our home because of all the games they have played thus far.

I do not think it is fair we have to start the process all over again for something that is not our fault, and then after reading so many horror stories about Litton. Litton says we can not believe what we read on the Internet, well there are way to many complaints not to believe them. We need help before they take his home of 21 plus years. I am already suffering with pre cancer and stress makes me hurt worse then I already do. We have spent quite a bit of money on faxing stuff to them over and over, and now we need an attorney and can not afford one.

I can't believe I'm still having the same problem with these folks after 6 months. We applied for a loan modification and were accepted. We signed a ocntract to sent three payments beginning in Auguast '09, ending october 1st '09. Western union the money to have good records. It is now November 16, 09 and we haven't heard back. I call each week on Monday to see where we're at in the process. Each Monday they say we have all the documents required and it is in "Special Review", please call once a week to see how it is progressing. Today, Monday the 16th of November I called and spoke to "Dante". He went through the usuall 10 verification questions and then said he would like to review the document to make sure everything requested has been received. I assured him that all documents have been received per the last 7 people I have spoke with trying to get an answer. He put me on hold and came back on in less than a minute, not enough time to actually review anything. He said there is a document still missing, and even though we have held up to our end of the contract, to keep maiking the modification payment. I finnaly get it, it is a scam. If they were missing a document, why didn't the last 7 people I spoke with say so? Whay didn't they call us instead of making us call to a status??

I got behind two payments then the following month we send the money for the three payments to be up to date well/// our check was sent back and they said they woul only accept a western union money order and that we also owed them 4,600.00 dlls 'FOR LAWYERS EXPENSES" they faxed us their agreement we

I am in the same situation with Litton Loan Servicing. Everything I read here is to the tee to what my expierence has been with Litton. Popular Morgatage sold my loan to Litton in 2007. I was already behind with Popular Morgatage at the time but they had worked with me and helped me out. I have been trying with Litton since April of this year when that Home Affordable Program came in to effect. I sent in all my paper work and was told to wait I would hear from them within 30 days. After that kept calling asking what the update was on my modification, they just kept saying to wait there were alot of people ahead of me that were going into foreclosure and they were being helped first. Well month after month, week after week of calling them nothing was beint done. In Oct 2nd I attended a workshop in Phoenix that NACA was having for homeowners.

I waited 13 hours to see my lender for 5 minutes for him to say they needed to take a picture of my house to make sure how much it was worth. I asked the represenative from Litton if I need to make payment because Oct. would make me 4 month behind. He responded that I didn't have to make payment until I had a resulution for modification. They said it would take 15 days for them to go over my paperwork and let me know. After calling once a week trying to call Litton(waiting on the phone for 60 minutes) at times, no phone call back . I called in Nov. to make payment and to find out update on my modification. They would not take payment and said my loan was sent to

foreclosre.

I have contact my mediator from NACA and he was notified also I was denied for not enough income to support restructure please submitt for forbearance or submitt additonal income, my file will be reviewd for forbearance. I am not sure if I want to send in what they said I need to prevent foreclosure after hearing some of you who sent money and was still foreclosed. If any of you haven't contacted NACA you should. They help homeowners modify their loan and put pressure on the LENDERS.

They are my mortgage company and they just added additional amounts on my loan. They assessed me for an escrow amount on my taxes for the future 3 years and consequently raised my monthly payment to an amount I can not afford.

I refinanced my home with Beneficial in July 2006. In October 2006 Litton Loan Servicing took over servicing the loan. From that point forward I have been charged fees that are not explained and have been unable to talk to anyone with any knowledge or authority. They attempted to tell me I had an adjustable rate mortgage when I did not. I requested copies of the documents on my loan and they would not or could not produce them.

In May of 2009 I entered into a loan modification program with them. I complied with all of their requests and the terms of the program - even sending the copies of documents numerous times because they "didn't receive them".

Throughout the entire process I called monthly to determine the status of the modification, and confirm what the modified payment would likely be. In each instance I was assured that the modified payment would be very close to the "trial" payment I was making. When the trial period ended after the August payment I again contacted Litton to find out the status and when there would be a determination. I was told soon and to continue with the "trial" payment which I did for September 1.

On September 10th I received a fed ex package from Litton Attorney Lori L with the modification documents.

The documents were dated August 31, with a payment due on September 1st and they required that the documents be signed, notorized and returned to them by September 11th.

Additionally, the new mortgage payment was substantialy higher than what I had been led to believe and outright told it would be.

I called Litton the morning of September 11th to ask why and was brushed off with the answer that " I could sign the documents or not"

On Monday, September 14th I called Litton Loan servicing again and this time an employee was willing to look into the matter. She determined that they had overstated my gross income by 800 a month and that is why the new payment was well above the 31% they had assured me it would be. She advised me to return the documents unsigned with a letter stating why and asking them to re-evaluate.

On September 15th I returned the documents unsigned with the letter explaining the reason they were not signed and said I would continue to make the trial payment until this was resolved.

The week of November 2nd I received a call from Veronica S at Litton informing me that they had received the documents unsigned and did that mean I no longer wanted to modify the mortgage. I informed her that was not the case that I had sent a letter with the documents that explained why they were not signed. She said and I quote "we did not get the letter the attorney only deal with modification agreements not letters". She requested that I fax the letter to her which I did immediately.

She was supposed to get back to me to confirm receipt of the letter and to let me know what the next step was. She has NEVER gotten back to me.

On Monday November 9th I placed three seperate phone calls to Litton to attempt to contact Veronica Scott. I was assured by two people that she would call me back that day. She did not.

On Tuesday September 10, 2009 I called Litton once again to determine what the next step was since I had no idea the status of my loan or the modification or how much I was supposed to pay.

After more than 40 minutes on the phone the woman informed me that I was no longer in the modification program - my payment had reverted to the original payment and that I owed from July 1, 2009. I asked for an accounting of what they had done with the $1,854 a month I had been sending them since June 1. And I asked who the lien holder on my property is since Beneficial is now out of business. She said they were not allowed to give out that information I would have to request it in writing and there would be a fee.

I am now at the point where I will likely lose my home because of the way Litton Loan Servicing does business. I am consulting with an attorney to see what I can do to keep my home, and even if I can't I will attempt to get a class action suit against Litton Loan and see them put out of business.

We are being swindled just like the others that have complaints. We fell behind in payments due to cost of living, cut back in hours, credit debt etc. We got approved for a modification process and have been jerked around since day one. Litton told us that it would take them 3 months to do a modification and during those three months we had to pay 3 high monthly payments on time or we would be kicked out of the program and lose our home. Well this started in June and we are now in Mid November. They give us the run around, never return calls and when you call them their reps always have different rules and regulations on how and what should be done. You as the homeowner will need to keep calling them because they will never contact you if they need something, so keep that in mind. None of their reps communicate and you never just have one rep to talk to its always someone new. Then you need to repeat yourself about your whole case again and again to each one.

I call Litton Loan at least 2 times a week to stay apprised on what type of excuse of paperwork they need next just to save my home. Litton Loan Servicing has asked me repeatedly for the same documents over and over such as, pay stubs, proof of address, 4506T, Taxes, etc. So they could tack on another 90 day excuse.Every time you call your case is either still in review or missing documents that you supplied them with over 5 times. I am ready to just walk away because of Litton Loan unable to get the job done. We did our job with documents now why can't they do theirs. Litton makes the same excuses to excuse them from getting the job done at a homeowners expense. Something needs to be done to this lender and they need to be shut down for good. I have never had a problem with my loan until it was sold to Litton Loan Servicing. I have read all these complaints on this website and everyone has the same complaints, doesn't that tell us all something? We all will never recieve real answers or get anything accomplished with this lender.

I applied for a loan modification with Litton in April 2009 after multiple attempts at refinancing (I have an ARM that was up in July), but being denied because my home value was lower than what I owed on the loan. I first spoke with someone on the phone and they took a lot of info over the phone and the rep then told me I qualified for a modification. I just needed to send in all the documents required. I faxed all of them that day and called back the next day to verify that they did receive them. I was told that they did and to call back in a few weeks for an update. I did that every few wks and always got the same answer, "we are still working on it." This went on for months....6 to be exact. Finally when I reached a rep on early October, I was told that my modification request was denied because I did not pass the NPV test. I asked if they could give me more details than just that and the rep said sorry, that is all the info I have and if you want to know what the NPV test involves, google it. Really??? After asking for a supervisor and being told there were none available. I was very upset and asked how that was possible. The rep then told me she was not going to be talked to that way and hung up. Yes, I was upset. Did I curse or anything? No! There was no reason that I should have ever been hung up on. I did call back and finally was able to speak with a supervisor after holding for 45 minutes. Ridiculous! I was told that the reason my loan was denied was because I didnt make enough money. Hmmm....that probably is the reason I need assistance since I have taken a paycut twice this year.

Regardless, I have since hired an attorney to help me modify my loan. In the middle of October, we filed the paperwork again for a loan modification request. Within one week, we were told they would not even look at the request since I was just denied. We then were told the reason the modification was denied was because of the amount my home was apprraised at. They appraised my home at more than what I owed on the loan. I was shocked. There is no way that amount in accurate since new models of my exact home (or better) are currently being sold for less than the appraised amount. There are also homes on the market for 10k less than that. I have now requested copies of the appraisal three times and they refuse to issue them to me. I wish someone in the government would do something to this company so they would stop messing with people that really need help. They are a bunch of liars!!! I continue to pay my mortgage on time and that is probably why they refuse to help me. Why would they rather allow my home to go into foreclosure than assist me and get some $$? What will it take for these people to really help the people in need?!?!?

and sold without any preperation from litton nor giving us any explaination as to what happened. And they still have our money ,but we are unable to speak with anyone at the firm,its recording after recording

My husband lost his job and do to this we fell behind on our house payments. In speaking with Litton they tell me that if you can afford the #$@^ house we will just take it away. We ended up having to file bankruptcy to save the house for a short time any way. Then Litton pulled the amount due out of the bankruptcy and then when my husband for a new job making a lot less than what he was making, we again fail behind. I was making at least 90% of the payment I just could not make the full $1700. Then Litton wanted us to come up with $3600 to make up what we were behind. Hello if I can't make a $1700 payment how can I make a $3600 payment.

I contacted a Discount Mortgage Relief company that guaranteed me 100% a discount mortgage payment of $1063, at 4.4% interest. I keeped questioning are you sure Litton will go for this, because they are difficult to work with. And I was told us. This started July of 2009 and still fighting it now November 2009. I contacted Litton to do a remodification and they also told me they never received the paper work or someone else would tell me they did not receive all the paper work, but of course only after I called them. I resent everything 3 times with no help.

I also got a letter from Litton in June stating I made to much money and started laughing on how do you figure that. For some reason they came up with about $4000 more a month I was bringing home then what I bring home. I would leave messages and no one would call me back. If I could get a hold of someone I would be transfered from one department to another over and over again. These departments do not talk to each other. I was told that my property would be sold September 30, 2009, with the help of the Mortgage relief place they got the sell stopped.

Of course per Litton's foreclousre department a Mike D and Dave G, and that they were going to notify the attorny that this had been stopped. Litton never called or sent anything to the Attorney and the attorney went ahead and supposedly sold my home, I received a notice of Quit stuffed in my door. Not sure what this is, contacted the attorney's office and of course the person I need to speak to is out of the office on a personal issue. Contacted Litton again on this and they said we know nothing about that because you need to speak to the Foreclosure department and they are gone for the day. I asked anthony at Litton if the departments talk to each other because everything should be on a electronic copy in a file that they pull up. He told me that no they don't talk, each department has their own file.

I also received from Litton dated October 2, 2009 that they are working on a remodification and will let us know in 60 days. Now I have to go to court (Not sure when yet) to try again to save my house and prove that Litton did not follow through with what they said they would do. On notifing the attorney that the sell had been stopped. I to am willing to go through a court action lawsuit against this company, Litton has a "F" rating with the Better Business Bureau and I believe it they treat people like dirt and don't care. The people they have working for them do not know there job or how to do it. I still may lose my home, but I am not giving up. I have faught to hard to save it and as they say "ITS NOT OVER UNTIL THE FAT LADY SINGS" and I am not ready to sing yet. If there is someone out there that can help me save my home or give me more ammo against this company to fight in court with I would greatly appreciate it. This is also messing up my family, I can't send my daughter to college, and to up root my other 2 smaller daughters. My husband and I only fight anymore so our marriage is suffering. "SOMEONE PLEASE HELP ME SAVE MY HOME"

Since May I have applied on two occasion for a loan modification. In July I received a general denial letter stating my investor did not allow mods and in October I was told I did not meet the investor requirments.

Litton has not returned any of my phone calls, they refuse to give you the name of the representative working on your loan, they refuse to tell me what are the investor requirements. My payment is more that 31% of my income, however, they refuse to discuss HAMP with me. I have never been over 30 days on a payment and have the intentions of keeping my home, but was told to list if for sale because I have equity and due to the Net Present Value, but I live in one of the highest foreclosure areas in my city according to HUD. He representative told me it would be better for the investor for me to be in default and lose my home. He told me I did not qualify for any of their loan modifications and it did not matter what agency I used to assist me they would tell the agency I did not met the investor requirements, then he told me to call HUD.

Litton has been a terrible servicer and refuse to commit to helping their customers that are willing and able to stay in their homes.

I have DESPERATELY tried to get away from Litton Loan, but have not succeeded. They have bought out my loan the last three times I refinanced and now my credit is so bad I cannot go to another lender. When I would get behind on my mortgage from struggling to make payments when I had payroll cuts and then try to pay a little more to catch up they would put my extra money into a "Forebearance Suspense" status.

I didn't know what this was till the next time I tried to refinance my house and then the next creditor told me that looked bad on my credit! How come my credit has to look bad because I tried to catch up on my payments? They apparently do this to everyone is what I was told. I think they do it on purpose so no one else will loan you money so you can't get another mortgage. Also, I applied for the loan modification on 03/04/09.

After several attempts to contact them, I finally got a live person to call me back and tell me they didn't get any of my paperwork. I resubmitted. They told me I had to wait 90 days. I called back at 90 days. All of a sudden I didn't qualify. They said for loan modifications they only consider our mortgage payment, car payments, and one other item which I've forgotten now what it was. It might have been insurance payment, but that's it!

Well, I have more bills than that! So, that's why they are turning down all these people for modifications. They keep messing with folks so they just keep foreclosing on mortgages. I am at that door right now. They may do it to me next. I don't know how we can fight them. We don't have anymore money. Litton has taken it all and wanting more! As of right now, I have sleepless nights and terrible anxiety as to what will happen to me and my family if we lose our home. I have no one to fall back on.

we have applied for modifaction due to they raised our morgage payment saying our escrow was lacking and we have a tun of late fee, now our morgae is in forclosure state. they said they sent us our paper work and should be getting it in mail for trial re modification. have not recevied anythign yet. they said we didnt qulify for the make afforable morgage plan what ever.

My loan was sold to Litton in 2006, I had no say over it. Then in June 2007 I had to go on disability because I became ill. After a series of tests I had to have heart surgery on Aug. 14 ,07 and could not return to work. I was getting S.S.Servivers benifits for my daughter, from my husband ,who died Nov. 01, and disibility threw work. So at that time I had no problem making payments. Then I was waiting for S.S.Disability to go through and My daughter turned 18 and graduated so I lost her money. So I had no money comming in and I kept Litton informed of what was going on. I had to go on welfair until Jan.09. I got my disability and had to pay Litton Loan 4,242.00 to catch my self up to date. I have made payments to them ever since. But I also wrote to them and told them I could not pay on the first of the month and could they change the date. Because my check does not come in until the second Wensday of each month. They told me no they couldn't.I wrote to them in Feb.09 again telling them that I needed the payment lowered now that I am on disability.

I wrote them again in April after I had sent what they asked for. I kept calling them, every time I called I never got the same person,and they all would say the same thing " you don't need to call you will be notifide by mail if you get the modafication" But I'm pursistant and called back anyway. This time I was told I needed to fax in some papers and it would take 60 to 90 days after they get all the paper work.So on Sept 24, 09 I fax everything they asked for. Now mind you in the mean time I am having trouble paying the house payment and I have called them time and time again and told them so. I had to let something go in order to make the house payment. So I let the sewer / water go. Now with leting this go I found out later, that if they don't get paid the town sends them to the taxes, this in turn makes the taxes go up, in turn makes the escrow go up, in turn makes the house payment go up.To cover the escrow.

So in Sepr. 09 they send me a litter saying the payment is going up from $512.25 to $604.11. I wrote and told them that if I could not aford the 512.25 how was I going to aford the 604.11? No responce. So I called them the woman said she could put the payment down to 559.00 whitch is still over the 512.25. Well, we went around in cicles findly I said to her is there any one like a supperviser I can talk to? She said no, I said is there anyone at the top I can talk to, She said they are going to tell you the same thing as I have. So findly I said never mind, I'll wate for the modafifcation. Now this brings me to date. I was talking to my brother about all this just two days ago and he said well what do you know about Litton Loan Services, I said nothing.

So I went to the comupter and typed in (Litton Loan Services real or fraud) and the horror started. I have seen on here where people have lost there house through Litton. I have had problems with creit before and during this dial geting disability so I can't go to any other bank because I have a judgment againest me and Litton knows this. So I am screwed like a piece of wood. Before all this went on with disability I was geting my debts paid off and I got them all paid off but one for over 6,000 dollars. So they went to court and put a judgement on the house. What can I do or where can I go to get a lower payment I can handle?

First , I should preface this with the fact that I am not behind on my house payments. I do owe 550.00 in late charges though. I have been trying to get a loan modification from Litton Loan Servicing since November 2008. I am a realtor, that has seen my income reduced by 75% and more. As everyone knows the housing market became nearly nonexistent in the fall of 2007. I still was paying my mortgage on time. I take care of my 88 year old mother and she has been helping me out, with funds from her little social security checks. There were a few times that I didn't know how I was going to get food to feed her. My modification was turned down, the first time because they said that my income was 5500.00 a month (which it is not, it is less than half that) and I could afford my payments (at that time were 1224.00)at 7.95 percent interest. The second denial was because they didn't have all of the documents required (which they did have) and that a new program was coming on line on March 3rd and I had to wait for that and start over.

After sending everything again, I was denied because I didn't have enough money to cover all of my obligations. Well, no kidding, that's why I have to get money from my mom every month to keep a roof over our heads. Then they told me they weren't doing the Obama plan, when I told them that I was the perfect example of the borrower that the Obama plan was supposed to help. I don't receive any kind of unemployment benefits or anything,if I can't sell any houses. Then I reapplied and they gave me a Modification and I paid the first two payments and by the time I was ready for the third payment they tell me I have been denied again because they said I couldn't pay the payments (which I have always been paying one way or the other). I immediately reapplied again because I thought they were doing some type of scam or something. Last week I spoke with someone from there and they said I was going to receive a modification package again. I was looking for it, and what do I receive? Another denial stating that "my loan did not meet the guidelines provided by the investor." I called them tonight and wanting to know just what "guideline" did I not meet this time? It was, that I have 40,000.00 in equity in my home of ten years, and that I could refinance, or I could do a short sale or a deed-in-lieu of foreclosure, or settlement. I'm not trying to sell my home. I told them, I could Not get a new mortgage, because No 1. I'm a realtor, which is automatically a sub prime loan, because I don't get paychecks or have any other income. I'm Self-Employed. I have had late payments in the last 12 months.

So either they don't pay attention to what ridiculous things they are saying, or using for reasons, or face it, they don't want to reduce the interest they are enjoying from my payments. If I used excuse after excuse, to deny people a benefit they sorely need, and the government is fully expecting them to provide, I'm sure there would be some kind of penalty or punishment given to me for my complete disregard for my customers that do their best to comply with all of the rules and regulations, and pay their payments. I asked the Litton Loan representative who the investor was, (a question I have asked on several occasions) and of course, he couldn't answer. I am writing to the fax number he provided to the "Research Dept" with a request for the Investor, and the Investors representative that is making all of these so-called guideline determinations. I would think that having equity would be a good thing. One would hope that you would have a little bit of equity to show for your 45 years of work, and that no one would be trying to take that little bit away from you. Especially when thats all you have in the whole wide world to show for so many years of dedication and slaving away. Not even a thousand dollars a year!

Litton Loan has no interest whatsoever in service of their customers. Not really. I know my investor is not Fannie Mae, Freddie Mac, or Hud. It will be interesting to find out who it is, if they ever divulge the information, and if not, I will definitely go to whatever lengths it takes to be treated fairly and honestly. that's what I give, and that's what I deserve. I don't ask for handouts. I didn't ask for them to forgive any of my debt. All I am asking is a simple reduction in the interest rate. Surely what they gouge out of me every month can't be that important to them. At least not nearly as important as it is to me.

our landlord has lost the house in which we live in we have been recieving alot of letter from lls litton loan servicing requesting the payments be mailed to them but i have been calling them and they never answer or give me a call back. i also have been looking at a lot of reports on your web sit and on the ripoff reports web sit. we have not had any answer from them and it has been a month already.

I requested a long modification in June of 2009. I received a contract from Litton which requested I pay an extra $312 for 3 months while my modification was being processed. The first additional payment was made in July, then in August and September. In October I called about my loan modification and was told to continue my additional payments of $312 while my loan modification was being "reviewed". When I refused to pay extra since I had met all the terms of our contract, Litton gave me an answer within 3 days saying my loan modification was refused. Now I am requesting my money be returned and they are not willing to return it. It was placed in an escrow account. This company should not be allowed to continue to be in business. All they are doing is wasting consumers time and stealing their money.

We have a mortgage with this company. We recently tried to refinance with our credit union, only to find out that according to my husbands credit, he has no record of a mortgage. They hold payments, are charging us for homeowners insurance (we have it with Travelers) and we have a huge negative escrow account, but no one can explain what it is for. We never set up an escrow account. We are stuck with this company because no one will refinance us...we cant even get a car loan.

in june 2009, we got a letter from litton saying we were eligible for a loan modification. we immediately applied & got a workout plan that gave us insturctions & a schedule to make discounted payments while they checked out documents. they said it could take up to 90 days. we repeatedly sent in docs & when we checked by phone we were told many times that the docs were not rec'd or they weren't signed or needed to be updated, etc.

also, when we called, the automated message said we owed money addt'l money even though we were paying what they asked in the workout plan. when asking customer svc, they assured us that we were ok, just as long as we paid the agreed amount in the plan.
this went on for months.

finally, on 10/21/09 we rec'd a denial ltr that said we didn't show enough income for the loan mod. we rec'd the ltr on sat. we immediately called on mon to see what we could do. they said we were in default; they had taken our trial period $$ and applied it back to june & july & that we owed for aug to current. we were also assesed late fees & had already been reported to the credit bureaus. since then we've rec'd several threatening ltrs basically accelerating the loan & setting us up for foreclosure.

we spent several days calling back & trying to talk to someone in the loss mitigation dept to get some answers. they will not let us be connected. we keep talking to customer svc reps who cannot help us. they say to send things in writing & have different answers each time we ask the same question!

we're not sure what to do. one minute we're supposedly getting help and the next minute we're losing our house. we've complied to everything litton has asked us to do but somehow we're wrong? we are in pre-forclosure. we are told we will lose the house if we don't immediately come up w/$6,000. when we asked about a payment plan they said we weren't eligible for that either!

We have 2 loans with these people. We have been working on a "loan modification" for the past 9 months. Every time you call them, they tell you something different. The customer service is extremely unprofessional and do not know what they are doing. They have requested the same paperwork over 15 different time and all 15 times, we have sent it to them and they "still don't have it" and I even have a confirmation from the post office, with the person that received it signature on it! This is the only home we have and I am going to do all I can to conserve it.

Litton loan assumed the loan from Aegis mortgage company. At that time we were working with Aegis on modifying our loan, as we had a loss of income due to an illness. Aegis was willing to work with us. Litton had said we never tried to work with Aegis, and when we refiled the modifcation package with Litton they gave us the run around with they received the paperwork via fax, two weeks later we would call to check on it to be told it was being worked on, follow up two weeks later to be told they never received it. We went through this for three months or so. We finally got so frustrated that we hired an attorney. We filed a TRO which we lost and the lawsuit against them. It was the only for us to even get them to look at the modification papers. They have told us although we are now in a stable income situation and able to afford payments if they are modified that we do not qualify and have not given us a reason for it.

We applied for a loan modification with Litton Loan, we signed our modication work out plan with our new payments. We supplied all the necessary documentation and made all the work out plan payments on time they arranged for us in the work out contract that we signed. I call them every week or every other week to check on things. Always told they have everything they need from us and they would always suspend our sale date to the following month. Then suddenly ater 3 months, after our last payment in the work plan they don't have the necessary stuff and need to start the process over again.

We made another payment and told that this time they have all the required documents. They sent back two paymetns and I was told to go ahead and return them which I did. I send and resent the money and our documentation so many times they had over 400 pages of information in the systems or so they told me. Everything was sent Overnight UPS & Fax. They received & confirmed. Every week things were fine they have everything, suddenly October 30 a notice of sale is being taped to front door, we received not letter, not notification of any kind from them.

I called them and was told our loan modification was denied by the investor and was given a valid reason. Only that something didn't work out with BPO value. They didn't notify us about any problems. I the prior and was told everything was still in reivew. They double crossed us, they took our money we gave in good faith, given false hope by them that everything was fine. They arranged this payment plan for us and we abided by all the rules. Then they CSR tell me to file BK or do whatever I want to and just go ahead try to keep the house. Thean can't advise us to go BK, they are not attorneys. They are frauds and liars.

We did everything asked of us. We made our work out payments on time. I feel they lied to us gave us false hope all the while knowing they were going to help us. We don't understand why they lie and play these games with us. They are not trying to bypass the new Nevada Law or have found some kind of loop hole so they don't have to give us our right to the Mitigation Law that was passed on July 1, 2009. It appears they don't really wnat to help people, they are frauds and it also appears they migh really own our note. There is not record of Litton in County records Only Freemont Investments & Loan the original note holder who went out of business.

All we wanted was to save our home, we have income now and can afford a reasonal payment, which they gave us and thought everything was to work out fine. We need to file a suit against, all we want is to save our home and make our payments. Our intentions were good and when the market recovers was to refi. We had a bad loan and feel we were taken advantage of and we beleive there is some discrepancies/errors in our RESPA & Truth & Lending Disclosure. We just want to save our home. Is there anyone attorney who can help, WHOM WE CAN TRUST Not to take advantage of us.

There are so many crooked people wer don't know who we can trust anymore. SO many vultures calling us and knocking on our door. We solidly proved to Litton Loan that we were able to afford the new payments and make the payments on time and we now have income and our income is improving. There is no excuse for ther fradulent behavior. They need to be taken down and forced to make good on their claims. The crooks seem to get away with everything and the good people always lose.

Last year my husband and I ran into serious financial problems. We own a welding company and lost more than 1/2 our income. We became behind on both our 1st and 2nd loans which are both with Litton Loan. My husband called and asked about a modification on the 2nd to get the interest reduced to help with the payment. We submitted all the paperwork and was making the payment so that we only were 2 months behind.

In the meantime we received a letter from an attorney that our 1st loan was going into foreclosure. I called a lady in the collections dept. and she gave me the total amount due to get the house out of collections and that it had to be a cashiers check. We got the money sent off and then got a letter that the modification on the 2nd loan had been denied because the 1st loan was past due. I called them and they had applied my payment to the past due amount on the 2nd to brind it current and applied the remaining amount to the 1st so that it still showed past due.

I argued for weeks with them, that they had applied the payment wrong. I even had wrote the loan payment on the check. One rep. actually told me he saw that the entire check was suppose to be applied to the 1st and he didn't have any answer as to why it had been applied to the 2nd. We asked again about a modification and were told they were no longer doing that program. We continued to struggle with the payments.

In March we got a letter that our interest on the 1st loan was going up to 9% in Apr. My husband called and finally got through to one guy who was supposedly a supervisor and he said they were now doing a new program and took our information. He then said the we were pre-qualified for the 3 month trial period. In June I got the packet of the paperwork they needed and how much our payments would be. I sent everything in and we have made all of our payments on time.

Every month we call to see how everythign is going and we were told it is in review. In Aug. they sent us a letter to modify the 2nd loan. Again I sent everything in. Last week we called to see what was going on because our 3rd payment was due Oct. 1. The rep. told us we were missing info on the tax form. I filled this form out while I was on the phone in June with the rep and filled it out exactly as she said to.

So on Oct. 21 I added what he said to and refaxed it. Today we got a call saying we were missing paperwork. They said today that our tax forms are not signed (we e-file, so never have signed them), they need a profit and loss statement on the business and the tax form I sent last week still is missing information. He then went on to say they didn't have our paystubs and I corrected him and said they were included in the origianl packet. He then says "Oh wait, yes they are here." He said that the 1st loan had been approved and the 2nd is still under review.

Then the mail comes and we have gotten a notice of default and intent to accelerate on the 2nd loan. We tried calling them back and couldn't get through. Now thinking about it how could our 1st loan be approved when they are missing paperwork. Why since July had we not been told we were missing paperwork or even last week when we talked to them. Our biggest fear is looking to become a big reality soon.

We will lose our home and place of business. We will have to completly shut our business down as it is at our house. I fear tomorrow when we call we will be told we were misinformed and that the 1st has been denied for missing paperwork. They should not be allowed to conduct business like this.

How are they getting away with it? Because of all the late payments and other debt we will never be able to refinance. I am going to find an attorney and find out if there are in laws being broke. I guarantee if there are we will file a lawsuit. We all need to find out what can be done as it is always better in larger numbers.

i called litton loan to get a charge off letter for my bankruptcy. that i had on my home loan mortgage in 2005 that was charge off. so litton loan told me to submit a fax to the customer assistance response team. in the fax letter i told them i was closing on a new home in 1 week. and that's all the underwriter needed to closing on the new home.

so when i called to ask about the fax they said i would have to wait 30 to 60 days for a response. so after that i fax a letter to the charge-off dept. in litton loan office. with the same info. still no response from that dept. the seller of the new home needed to close right away. because she is buying a new home. looks like i can't get know help from litton loan. because of my first home loan with litton loan.

can you please help so this don't happen to know one else. i would call litton loan 5 times a day. litton loan would pass my call and i would speak too 6 people. also put on hold for a long time. each person would say something diffrent. or say they can't help me or my mortgage loan is charge-off but i just need to wait. no where to live thinking that litton loan would do the right thing. gave my rental complex notice to vacate. loss money because of the up front money needed before closing. i'm 84 yrs. old this affected my health. thank you

Just days after the Presidential election we applied for a home modification loan. 11/4/08. I am and have been disabled since 2001 and my wife has been unemployed since 4/08. In fact she worked 2 jobs. First as an receptionist and as an auto sales person. She lost both jobs. We are both 63 years of age. Our one and only asset is our home. We have $65,000 of our own money invested in our home. 40,000 down payment & 25 thousand in pool and spa. We knew that it would not be long before we could no longer make our mortgage payments of $1,495.

Once we applied, Litton told us it was a 90 day turnaround. During that time we made our usual payment. In fact we NEVER MISSED A SINGLE PAYMENT. During those first 90 days we would call and call and Litton kept asking for more paperwork. After 1st 90 days we're told our modification is being processed. We were in contact with them Mar., Apr., May and June 2009---each phone call resulted in more documents needed---the modification dept. is wrapping it up, it's with the attorneys and the last time in mid June of 09 we called again and again they said they did not have all the paperwork. This after we were told everything is packed and ready to go.

In July of 09 we received a document which stated that $853.29 was our Trial Period Payment. And that number included all taxes, escrow, insurance, everything. That was our out the door payment. That was a blessing. My payment was reduced by almost half.

If we make these payments on time we would be approved for modification. July, August, Sept & Nov. we made the $853 payments. HOWEVER we began to receive late payment notices. Foreclosure notices. We called and were told to ignore those since we were in modification.

Finally Oct. 28 almost a year to the starting date---we received a package which began with: "Congratulations! You are eligible for modification. As previously described, if you comply with the terms of the Trial Period Plan, we will modify your mortgage loan and waive all prior late charges that remain unpaid." They went on to say that my out the door payment was going to be $1,122. WHAT?

In our opinion Litton didn't modify our mortgage at all. In fact, they turned our fixed rate into an adjustable rate mortgage which of course escalates as we get older. THAT'S THE LAST THING WE NEED. As I mentioned earlier, we are both 63 and on fixed social security income. Our combined net is $2,600 a month. This year there will be no COLA increase. Medicare is up 27%.

As we get older odds are our real income will be shrinking all the while our mortgage payment---Principle & Interest will be increasing. How does that help two Senior Citizens who's only asset is their home? And it was Litton who caused us to be in default all the while causing us to believe that they were actually helping us.

I originally purchased my home in Aug 2001. In Oct. 2001 I was in an auto accident. I owned a taxi service since 1998. Oct. 2001 I was hit from behind. My cab was totaled and so was the other guys truck. I became disabled and unable to work. I lost my cab and my business. So in order to keep my home---I sold it to my son while I awaited any settlement---if any.

I 2004 I purchased my home back from my son for more than I originally paid because values skyrocketed. Long story short, he gave me 40k to put down on a 206k loan. That left 166k mortgage. I then put in a pool & spa---another 25k. So now I have $65 thousand invested in my home. In fact everything we had was in our home.

We made every mortgage payment on time. Twice we were told we owed $3000 in escrow. The first time was 2007. I challenged it by going to the tax assessor---he posted payments and when I phoned back to check it we were okay. They said yes. So I DIDN'T OWE anything. This year we get the same letter. Again I challenged and went to the assessor's office and again I was vindicated. However they did NOT retreat. So we are challenging the 3k in back escrow.

In the meantime home values plummeted. Business and the economy tanked and now our sole income of Social Security is $2,600 net combined. My wife worked 2 jobs---auto sales and receptionist when we purchased the house the second time. Our combined income was $65,000.We took a heavy heavy hit.

We continued to make our monthly mortgage payment but when Obama announced his Modification plan we applied immediately---Nov. 2008---just days after the election. We were told it was a 90 day thing and we'd hear from them within 3 months. 3 months went bye, that made it Feb. 09--we called and were told we had to send in some additional documents. 2 months later---May 09 we called for an update---we were told the package was being processed and we should be receiving our modification shortly. Late June of 09, we were told they didn't not receive a particular document. This is after they told us the package was ready to go out 45 days prior. We immediately faxed it again.

In July 09, we receive a document which stated that our "Trial Period" Mortgage payment was $853.29 including all taxes, escrow, insurance. In other words, $853.29 was our out the door monthly payment---down from 1,295.

Needless to say, we were over-the-top with overjoy. We could actually keep our home. We made those $853.29 payments. HOWEVER at the same time we were receiving late/overdue payment notices from Litton. Naturally we called and were told "DO NOT WORRY. IT HAPPENS ALL THE TIME. YOU'RE IN MODIFICATION IT WILL ALL WORK OUT".

Sept. 09, we receive notice of foreclosure. Wait a minute---we call again and were told the same thing and we should have our modification docs. shortly.

Today, Oct. 28, 09---almost 1 year to the day we received a package from Litton with an opening statement that goes like this: "Congratulations. You are eligible for a modification. As previously described, if you comply with the terms of the Trial Period Plan, we will modify your mortgage loan and waive all prior late charges that remain unpaid." Wonderful! My wife took a very deep breath and sighed with great relief. We had to sign and return by 11/6/09---less than a week away.

I opened the documents and my heart stopped. My wife went into hysterics. It was that quick. I saw that my payment---principle and interest was $722.85 plus taxes of $400 a month. My out the door payment was a far cry from $853.29---it was $1,122.88. What's more, they CONVERTED ME FROM A FIXED RATE TO AN ADJUSTABLE RATE MORTGAGE.

So after 5 years my payment would go up as well as my taxes. After 6 years it goes up again plus taxes. At 7 years it goes up again plus taxes. At 8-27 years my payment levels out at 901.22 plus taxes. And they even include a line next to each increase that it all may adjust periodically. Plus they put all the back taxes and additional monies---the difference between $1299 and $853 into the payments.

My wife is totally distraught. Almost uncontrollable. So Litton jacked us around for a full year. And they actually caused us to go into default by leading us on. Telling us that our payment would be $853.29 including EVERYTHING. In my opinion---Litton DID NOT MODIFY MY MORTGAGE AT ALL.

Now if I don't sign and return the docs. by Nov. 6 my mortgage payment reverts to $1,495. Again I have $65k in cash invested here and they put my back against the wall after making all kinds of FALSE PRETENSES. We phoned this morning and asked for an explanation and we were simply and coldly told that that's the way it is. We asked to speak with a manager or someone higher up. The answer was we don't do that. You've got your modification sign it or go into foreclosure. Period.

I am in the last completion of my 3 month trial period I made my last payment today. I still not heard any thing from Litton Loan or Naca. Everytime I call Litton they tell me my information is still being viewed. I have faxed several times and sent paper certified as well. They keep telling me to fax over a 4056t and hardship letter. I have been told by several customer svc reps my file is complete. As of today I logged into my account online and they are telling they need the same documents I have faxed and signed and sent over to them. PLease help me get someone on the phone to call me because when you call the Lost Mitigation Department they will not let you talk with. I need to why my paper keeps getting lost!

I submitted all my paperwork to Litton Loan about about three months ago. And they are still asking me for paperwork. I get one customer service rep and they have told me my file is complete. I now as of October 28 they are tell they do not have my 4056T and my hardship letter. I have faxed and paid 10.05 to send papers certified. Everytime I call they are telling my account is still pending. Also they do return your phones call. I have made my last 3 month trial period payment today and I still have not heard anything from Litton Loan nor NACA.

Our loan was sold by countywide to litton back in november of 2008. We requested a loan modification at that time and every month, we just got the run around. They told us it was pending, we hired a loan modification company to help who only took our money. Litton gave us 3 extentions, because the "INVESTER" did not want to accept any loan modification or short sale. Today our house goes up for auction and soon the the new owners who bought the home for dirt cheap will push us out after 10 years. And all to sell to some other family. I guess that's our punishment. I will never be a home owner again, because it is not worth the stress. Life is to short and some just think of you as a "file".......

I have been dealing with this mortgage with them now for almost two years. When I had the loan with Fremont it began to adjust and Fremont allowed me to pay them $500.00 to freeze my interest only first mortgage at a rate of 8.05% for 30 years. The next month Litton assumed the loan. When the modification process came out I thought that was great to help people get the mortgage under control and help to reduce the high interest rates. I called Litton to see if I could modify my loan to a lower rate or at least a P&I loan. I was asked a lot of information and then was told that I would receive something in the mail and that I needed to gather the information that they needed and fax it to them to get the loan remodified.

I complied with a confirmation that the fax went through a couple of weeks passed I received a letter from Litton saying that I was denied because they never received the information. I again went through the process confirmation same letter this happened four times before I got tired of this and called lending tree. A local company contacted me and was more than willing to work with me. My credit is good maxed out but good and they said that I could get at least the first loan on my home refinanced at 5.5% at a cheaper payment and it would be P&I. Since I owe $150,000.00 on my home and it reappraised for 135,000.00 there was no chance of refinancing both mortgages, but Chase was still willing to redo the first at the 5.5% term and I keep the second $30,000.00 loan with Litton at 9.9%.

Litton refuses to let the first mortgage be refinanced unless the second is refinanced with it. They told the broker that I was working with that there was nothing that they would do. The lady with Chase showed them how much debt to income I had credit card rates have jumped utilities insurance benefits. I am going in the hole. The response from Litton was that their position is that I the borrower can let everything else go and make the house payments.

I asked Litton if they would at least modify the first through their company to help me start paying on the principal. I was told that if Avello who is also owned by Goldman Sachs said that they would refinance it then Litton would let it be refinanced through them. I was told by Avello good luck because I was upside down in my mortgage and that I needed to find a bank that would loan $150,000.00 on a $135,000.00 home. I want to keep my credit good and they know this, but on the same hand I am really being stuck quite hard with not being able to at least pay some on the principle. I would participate in a class action suit

I have been reading many postings in regard to Litton Loan Servicing and thierodifivatoom process. Seems that that the fortunate ones like myself that actually recurve a trial modification plan and that make all three payments do not recieve the final paperwork as promised.

The excuse I was given is that all docments weren't recoeved and I was taken out of the modification program and was to beginaking full payments again. After a lengthy conversation with the rep I have been placed back into the review process for another trial modification.

To Littons credit they have actually contacted me regarding docents and instructions bity loan modification should have been finalized Oct 1and I am back to square one.

Has anyone gotten a loan modification or just the run around?

On this pass month of June, I was Supposely put on a trial basis by Litton for a loan modification. They wanted me to make 3 mortgage payments of $ 1,178.00 for the months of July, August & september, which I did. The last 2 payments were a couple of days late, because I had to wait for my pay day. My atty. Mr. Patrick S called this number spoked to someone in Litton's Executive Resolution team, and told them why my last 2 payments were late, he was told ' IT WAS O.K., THAT I STILL HAD THE 10 DAY GARCE PERIOD.

Any help your office can bestowed up on us, would be deeply appreciated.

I wish to file a formal complaint against Litton Loan Servicing in Houston, TX. I have my mortgage with this company and since its inception I have sent an additional $112.69 monthly to be applied toward my principal. I have never been late with my mortgage payment and within the last year Litton Loan has began holding this additional monthly amount in a "suspense" account and applying it toward my principal after 30 days held there. This is unfair. I have indicated to apply the additional amount toward my principal on both the remittance stub and written on my check. I have contacted them 3-4 times regarding this practice and they have advised me this account is where they put money when they do not know where it is supposed to be applied I tell them monthly!!

Now, I received my newest mortgage statement and they are now holding two months (225.36) in this "suspense account!" This is fraud. I did not select this mortgage company, my mortgage was sold several years ago. By holding onto my additional principal they are making interest from my money and costing me to pay more in interest over the lifetime of my mortgage. Can someone please advise me if this practice is legal and what recourse I have in this company misappropriating my funds? I appreciate any assistance you can provide me with this matter.

We began the process of getting my home mortgage modified as soon as I expected hardship. This was around September of 2008. My bonus payout was decreasing tremendously and I was also having some medical issues, which caused me to miss a lot of time. I lost my job in December of 2008. Litton Loan has done absolutely nothing but give us the run around. Every time I speak to someone, I get a different answer.

Earlier this month, I spoke with someone that they do have the modification package and said I would have an answer by November 22,2009. I just called today to check the status...and the response was unreal! I was told that they don't have all of my documents! I have faxed documents nearly 20 times over and over and over.

I am so frustrated with Litton. I have made MANY phone calls as well for over a YEAR now! Litton can never give me an answer. All of the complaints on Litton are facts! I have dealt with the exact same issues myself. I am in danger of foreclosure. They have told me for over 8 months now not to pay anything unless I can bring it current b/c my payment will not help.

My loan is now 12 months past due. I am still waiting on the help that they supposedly offer their customers! We are in the position now to make the payment if Litton will just help us with the past due amount and the interest rate. Our rate is almost 9%! The damage so far is my well being. We are so stressed wondering what is going to happen. We are wondering month to month if I am going to be able to keep my home or if I should find somewhere else for me and my family to live.

I started requesting for a modification in December of 2008.I faxed my paper work several times and every time I spent about $15.00.They finally started working on my account. During the 3 month period,payments were on time. In September 09,they notified me with a simple note,letting me know that I didn't qualify but are charging me with late fees for those 3 months.I qualify for my children's reduced meals at school,for utility discounts,for college financial aid, and I am very aware and positive that I would qualify if it was a different company.Too bad my previous mortgage company dumped my account with these unorganized, unprofessional jerks.They are charging me with this huge amount and constantly sending me letters, threatening to foreclosure. When I call,no one seems to explain the breakdown of these fees. I am so confused and bittered, because of the different amounts that they claim that I owe. I have never been so drained in my life. This company should not be in business.

What happened is the same thing everyone else is complaining about. We, as a last ditch effort before we just quit making payments and walk away. Will have to give up our home if NACA's strongarm tactics don't work out.

Much like other stories I am reading about Litton, I am a victim as well. Litton is backed by the gov and they are not working in good faith of the customers. They are scamming the system and I have an 80/20 loan that they are foreclosing on and they have no interest in me or the loan servicer holding the 20%. I have sent money to pay my loan that they keep rejecting. NOONE CALLS BACK. NO ONE ANSWERS. NOONE SENDS ANY PAPERS TO ADDRESS.

Now I am scheduled for sheriff sale Nov 13th and they have no interest to modify. They ask what my hardship is...I have no hardship. I have been trying to pay. Now I will be stuck with a 20% loan and any other amount from Litton from the value of what the house will sell at the sheriff sale. They are not working with the customers but are cornering us against the wall for failure.

They have no customer service. they say they dont get documents when I have used services that confirm successful transmissions. I have sent 4 modification docs since Dec 2008 only to be told they did not review any because of the Obama law...I never read an Obama law stating to stop modification review and start foreclosure.

These companies are creating this recession and noone of this misfortune can do anything. I have taken my months of money that Litton wont take and hired an attorney to sue them on many different business law levels. We should also file class action suit against Litton...any attorneys willing to represent?

We have had problems contacting or speaking with a person ever since Litton Loan took over servicing our mortgage in October 2008. Now they are foreclosing on our home of 16 years. My wife was injured and lost her job, applied for SS Disability over 1 1/2 yrs ago, but has been told it might take another 12-18 months to get approved. Medical costs caused us to fall behind; however, we have been trying in good faith to make a payment for the past 3 months! Initially, we could never get through to the payment option and would get dumped in Iris Vasquez' voicemail. At least 30 messages went unreturned.

In August, I submitted a financial hardship request form on their website and was to be contacted by someone within 48 hours. Never heard from anyone, but did receive a 'We're reviewing your information' letter approximately 30-45 days later. In the mean time, my wife continued to call everyday.

On 9.11.09, she finally spoke with a Nathan M. regarding payment arrangements since he said we did not qualify for the loan modification program. (When she explained we had been trying to speak with someone for months, he just said they were very busy with loan modifications.) He instructed her to go to their website, print/fill out the Hardship Affidavit, Form 4506, and along with signed Tax Return, W2, Paycheck Stubs, Bank statement, & Utility bills, fax to their Loan Modification Dept and also fax copy to him. I tried sending for 2 days and finally got confirmation that 13 of the 15 pages went through. I tried calling several times to find out which pages were missing, if any, and on 9.17.09, I faxed him a letter requesting him to contact me -to no avail.

9.21-9.25 left numerous messages for Nathan and when calling the Pay-By-Phone #800-, the system would NOT take a payment, instead dumping me into someone else's voicemail. On 10.7.09, a Notice of Breach and Default and of Election to Cause Sale of Real Property Under Deed of Trust was taped to my door. To cure the default, it said to contact Quality Loan Service Corp. They said they were unable to help me with retention or reinstatement and I would have to deal with the lender. I explained that I have been trying to deal with them but was not successful. She gave me the Litton Loan 800- and told me when she transferred me from her phone, someone would actually answer the phone.

After holding for 5-10 minutes, a man answered and verified the account info and then told me he had to transfer me to the dept handling our loan. After another 15 minutes on hold, I was (once again!) dumped into Iris V's voicemail and left yet another detailed message explaining how desperately I wanted to make a payment. I was pleasantly surprised the following day when Patrick S. of LLS knocked on my door. I anxiously invited him in and explained my trials. He asked if I was interested in loan modification and had an envelope with the forms.

I showed him all of the documents I had already submitted and explained that we didn't qualify, but that we did not want to lose our home and were willing to make payments, but Litton would not accept a payment. He then asked if I thought of selling and informed me that he would pay us $1,800. to help with the move and get an apt or something. Again, I explained once we were caught up, we were financially able to commit to our monthly obligations and wanted to work this out.

When he finally understood that I had the money to make a payment right then, he had me call the Pay-By-Phone # & after witnessing my trouble, called his office. Found out they were in a meeting so he sent them an e-mail, telling them to call me to take a payment. After several e-mails and phone calls, I finally got a call and gave my account info for payment and explained that I'd also like to set up additional payments every 2 weeks. (Patrick said I'd be caught up in 2 months if I could do that since I was 3 payments in arrears) I was put on hold and when he came back, he requested to speak with Patrick. Apparently, my loan was 4 months past due and already in foreclosure and I would have to speak to another dept to make a payment. Patrick said he was working from his excel spreadsheet and it was not up to date, but wanted to look at one of my statements to see what was actually in arrears.

I told him and showed him that all of my statements only show that 1 payment is due and no details or past due amounts were reflected on any of my statements. He called the dept that supposedly was handling my loan and sent e-mails telling them they needed to call me. He took a couple pictures, commenting on how nice and well kept our home was compared to all the other foreclosures. He had a lot more houses to hit, so he left but told me to answer my phone in the next 20-30 minutes.

An hour later I called him to advise I had not heard from anyone. He took my loan # and phone # again and said if I didn't hear from someone this afternoon, it would be in the morning. I waited until noon on Friday and still no call, so I called Patrick again. He instructed me to call the 800 # and press 0 and tell them he said to have them transfer me to Nathan M. and to take names if they wouldn't. I did. They didn't. They wanted to transfer me to some queue. They claimed Nathan wasn't working on my loan and they didn't know his extension, so when I gave it to them (ext 4763), I was on hold for at least 20 minutes and then dumped in the voicemail of ext 4673, not Nathan's.

Called back and verified the account info with Debbie, who was unable to transfer me per her supervisor, Lester; however, I could call back the 800# and enter his ext, which I explained didn't work, so she suggested I try back on Monday. No luck on Monday and now I'm leaving messages for Patrick, too. The following Thursday 10.15.09, I received nine (9) certified letters from Quality Loan Service. I received nine (9) additional letters on Saturday. All of the letters were duplicates.

I started to wonder if they were trying to overwhelm or bombard us with documentation, pretend they were willing to work with us and intentionally not accepting payments because they wanted to foreclose and force us out of our home. That way, they get money from the government and then down the road, profit from all the properties they've stolen. And then they can refinance everyone so they get paid some more.

It's scary and sad enough the state of our economy is in, but it's not as if we were some 18 year olds fooled into believing home ownership was an American right, regardless of one's ability to pay; eliminating the standard requirements like documented income or a down payment. Home ownership is an American dream. We have a vested interest in this property. We had what we thought was a temporary financial hardship; loss of income; health issues and medical bills. We can afford our monthly obligations and we want to pay. We just need a repayment arrangement to catch up. We want to keep our home.

I read the article dated 8/19/09 by Jon Hood and I was shocked to learn that I have been having problems w/ Litton just like what seems to be hundreds of other families. In May 09, I applied for a modification w/ Litton. In Mr. Hood's article I was shocked to learn that Litton was not officially participating in the loan modification until August 09. No wonder they declined me twice. Back in June I called to find out the status on the mod and was told by a Channing Jeter that I was approved and to not worry about paying my June/July pymt, just pay in August which would reference my new amount due w/ my new fixed rate. From there I'd be on a 3 mth trail and then put into a fixed rate throughout the rest of my loan. Well, I never received an invoice for August so when I called back at the end of July I was told by another rep that I was denied and needed to make a pymt ASAP. I never received a denial letter nor a phone call. They also unfairly marked me 60 days past due. I made a pymt in August because I was threatened that my property would go into foreclosure. Even after making the pymt and pleading w/ them to remove the past due since I was misguided by their rep, they refused. Only saying that Mr. Jeter spoke to soon. I have been w/ Litton for 5 yrs, never once have I been late until all of this happened.

I pulled my credit report so that I could see the damage & not only did they mark me past due, they also placed a "in dispute" remark on my credit for May 09 because I was going through the modification. I called to ask about this & was simply told "it's not a bad thing. it just means there was a discrepancy in your loan pymts". This is unacceptable. That may not be a bad thing for them but it is for me when someone other creditors are looking at my report. I don't have the money to go back and catch up for the months I was told not to pay and now they are forcing me out of my home. I can never speak w/ a supervisor and the rep's don't care either way. I don't believe Litton knows the meaning of "Modification". Seems as though they are doing more sabotaging customer's than helping them. I have made disputes w/ the 3 bureaus, Better Bus. Bureau & the Ripoff Report. They deny customer's for insufficient income but isn't that why a modification is suppose to be helpful? I was all set to pay my mortgage and struggle until my modification came through, but once their rep told me I didn't have to pay 2 mths I went with that. I trusted that he knew what he was talking about as would any consumer. I have been loyal to Litton but I have not gotten that same treatment. They've successfully hurt my credit rating/score and I am deeply upset by this. I have sent in countless letters with no replies. Guess I shouldn't expect the "bad guys" to see things from my point of view. I've decided to do a "short sale" and if that doesn't work a "deed in lieu" because there is no way I can come up w/ $5000 to catch up on pymts. I wish consumer affairs could help but at least maybe my story, like the others, can be heard and something can be done about the unfair practices of this company.

Now they have set up another trial mod and the payment for that is 1403.00. How can it jump from 1044.00 to 1403.00. Needless to say we had to deny the mod becasue we can't pay an extra 359.00 more a month. Something has got to be done to stop these JERKS!! Like most people here we have the same senario.

I am so afraid of loosing my home. It sounds like Litton does not want to help people stay in their homes. I have not read one sucess story yet. I am not asking for a hand out I am asking for help so that we can get back on tract and have some peace of mind and finally be able to sleep at night. Good luck to you all!

It seems to me [their] employees are not all on the same page, as each person seems to request yet another document--and it is always something different from the person before. [Their] company also fails to send PRINTED requests for all of the documentation--the "requests" were constantly changing--adding different documentation each time I spoke with someone. In fact, one person would tell me to send in a specific paper; then, the next person would say that it was not needed, but something else was missing.

Today, October 16, I received a letter from Litton Loan Servicing stating that my home will be in foreclosure if I do not immediately send the past due amount of $2,152.00 to Litton. How can this possibly be?? I have faithfully followed through with all the requests of [their] company .

I was told four months ago to send a modified payment--to see if I could pay the payment for a trial period. [Their] company also required that I pay escrow. I have done EXACTLY as told. Now I am being told that I did not complete the process, although I have kept in constant contact with [their] company. Phalon B., employee, stated that more than $902 of the funds that have been sent to Litton are in several different accounts.

I have never been behind on the payments. The modification process--as instructed by company--caused the alleged delinquency on this loan. I paid exactly what I was told to pay according to the paperwork sent by [Litton]. I was also told I would not have to pay the difference between the modified amount and the original amount. I have the paperwork stating this information.

As there does not seem to be anyone in [their] company who knows what is actually going on, I have taken it upon myself to contact Senator Charles Grassley, Iowa, regarding the activities of Litton. His office will be doing an investigation. Additionally, the Better Business Bureau has been contacted regarding [their] practices....

The packet was sent in, resulting in the letter on 06-29-2009. I sent in the additional paperwork, as requested. I called Litton at a minimum of at least every 10 working days, and was told: let me check to see if you have all your documents in--and then--oh, you are missing--and--. So I sent in the NEWLY requested documentation. Until the foreclosure letter, Litton at no time attempted to contact me regarding this loan.

According to the Better Business Bureau of Houston, TX, the rating for Litton Loan Servicing is "F" and over 600 complaints in the last 36 months--with over 300 in the last 12 months alone--have been filed with the BBB against Litton. Additionally, the mediator from Iowa Mediation Services stated that the unexpected "foreclosure notice" is "typical of Litton", who pulls this scam on unsuspecting homeowners. A check on my credit score indicates that Litton fails to acknowledge on-time payments. Perhaps this is because timely mortgage payments would result in a higher credit score--allowing homeowners to refinance through another company with ethical business practices.

Possible foreclosure on home that is not in arrears; credit score lowered as a result of non-reporting of on-time payments; reporting to credi bureau that payments were not made...although they were made in accordance with the agreement with Litton.

a letter stating that I didn't send in a 4506t which I did, but they keep changing things on the form that they say I did not do. I did everything they asked me to do about 9 times.

This is October and they say I am denied and owe this enormous amount of money. Where is the justice in this?
I pray that the whole banking/lending
System collapses and noone tries to help them, because they are certainly
not trying to help anyone. I ask that anyone reading this will do the same thing, because I know that this needs to stop. There must be someone that can

put an end to this madness.

May 27, 2009 I received the same forms again and a "Workout Plan/Modification Agreement". I was more than a little leary since there was no interest rate stated or any other facts or figures listed in the agreement. Just sign and send money.
May 27, 2009 I also received a Notice Of Default And Right To Cure Default from the Attorney's Butler and Hosch.
May 29, 2009 I called Consumer Credit Counseling Service and set up a phone appointment to discuss the details of the loan modification.

June 2, 2009 I spoke with Consumer Credit regarding the loan modification and was told that it sounded like what the government was trying to initiate.
June 3, 2009 I mailed the signed loan modification papers back to Litton with a check for the first trial payment.
June 12, 2009 I was served foreclosure
papers.
July 14, 2009 I received a letter with my check returned stating "Trial Modification Not Confirmed".

July 20, 2009 I received a letter from Litton stating they received my request for Loan Modification and to pre-qualify I needed to send documents back. This is the SAME letter I received twice before and the SAME infomation I had send them twice also.

This company should be reviewed for complaince of government rules for loan modification among the other complaints. I feel they are only interested in foreclosing on homes and not helping their clients.

Ours is another Loan Modification fiasco story with Litton Loan. We requested a loan remodification in October 2008. At this time we were current on our mortgage, but with reduced income we were the perfect candidates for a remodification. To shorten a long story, we would go through the same process of signing, faxing, and re-faxing the same paperwork, on almost a monthly basis, to try to get a remodification. Each time the paperwork was faxed, we would call to check they had everything they needed. They always told us they could not tell us for 15 days if the fax had even been received.

After 15 days we would call, and they would tell us that the fax had not been received, or that one document had not been signed and to re-fax everything. This is despite us having proof that all documents had been sent (I have been keeping records of all documents sent). After 6 months we were told we had been approved for a trail remodification period, and all we had to do was make 3 payments on certain dates and we would be approved.

Throughout this time we called every 2 weeks to make sure everything was going to plan. They would always tell us 'yes, we have everything we need'. We really wanted to save our home, so we made sure we stayed on top of things. In August 2009, 2 days beore the end of our trial period, we called again to make sure everything was on track. To our amazement, they told us we had not sent the correct paperwork, had not signed certain pages, and we were being denied due to inadequate response! How numerous hours of calling and faxing can be called inadequate response, I do not know.

This sitaution has caused so much stress in our lives, and has ultimately pushed us into being behind on our mortgage. A remodification would have helped us to save our home, but it is clear they have never had any intention of helping us.

My husband and I both worked for the same company that closed, we got behind on our payments and i called litton right away.After two months I sent a payment that was denied. Thats when the run around began we have been in forclosure and now we are tring to modifi. and they have lost paper work time and time again. I call them to see if they recieved the paperwork, just to be put on hold or disconected or sent to the wrong department and then i was told they dont know and someone will have to call me back, and no one does! I call litton again and ask if they have all they need and they say yes and a week later i get letter saying we are in default because they have not recieved the papers so i send it again. well now i have asked to speak to a supervisor and aweek has passed and no calls. I dont what else to do.

Having requested loan modification from litton loan back in Dec 2008 due to cut in payroll still don't have an answer. Prior to government act we went to Litton to request a loan modification since my husbands pay was cut in half. We haven't had any problems paying our bills but now find that we can't, so personal bankruptcy began. Litton informed us that we needed to send hardship letter and then sent us paperwork to be filled out which we did within two days. They received everything and we would be informed within 60-90 days of what they could do for us. At this time we continued to make ALL our payments in full and on time. Every phone call was answered by a pleasant person who stated it was still in review.

Then I called one week only to be told that some of the paperwork that was needed they did not have. Funny how I needed to call them for an update to find this out, they never called me to tell me something was missing. Sent them what was needed. Many Times!!! Was finally approved for a pre trial modification for three months and that escrow was mandatory. No Problem. All of these payments were made and on time. Then the bills stopped coming. I called to find out why and since the pre mod time limit was up when could I expect to receive my new loan paperwork. Now the fun started. I was informed that since I filed bankruptcy my bills would no longer be sent out. I would have to speak with the attorney for Litton Loans, Prommis Solutions, who then informed me that I would need to start this process ALL over again and that my bankruptcy attorney needs to send all the documents so that they could even speak to me. I didn't even know that they couldn't speak to me. Got them everything that they needed that was August 2009, am still waiting.

Now for the good part. Litton requested that an escrow be set up with the pre trial mod right. So in May 2009 I sent my real estate tax bill to them for my first installment due June 3 and after calling them finally got the payment out by June 22 which I was penalized for since it was late. Continuous call with many people at Prommis solutions who keep informing me 60-90days here we go again. Now it's the end of August when I am requested that they need yet another form, yes I was calling to request update on pre mod and found this out was missing. Sent this information and stated "don't forget my next tax installment was due September 3, 2009". I was then told they didn't know about this and could I send the tax bill over to Litton for payment. This was done immediately. On September 22, by certified mail came a demand for payment from the county office that if payment was not made by Oct 22 then my house would have an order for sale placed on it. I contacted Prommis solutions because Litton was still not allowed to speak with me and I was informed to go through them from this point forward. I called them and was told that again they didn't know what I was talking about but would send an e-mail to Litton escrow to take care of this. I have called weekly, and was informed that Litton would not let a sale go through on a property that they have an interest in. This past Tuesday I called again and was informed that a second e-mail would only upset the receiver and that again Litton would not let this happen. Now I'm fed up and contacted Litton directly to speak with escrow. Getting some CSR was informed that he was ready to take my payments of over $5000.00.

Shocked I stated that I just needed to speak with escrow and would deal with that afterward, he then informed me that yet another piece of information was missing that needed to be sent right away or my modification would be rejected. He then gave me fax number and phone number for escrow and transferred me to a dead line. By the way the phone number was a dead line as well. Called back and finally got some lady in escrow who told me that during pre trial mods no escrow was allowed. Funny how full circle this is coming. She then transferred me to someone else and hopefully my tax bill in being taken care of. Now after all this time my bankruptcy has been filed and all my mortgage payments have been made per the pre trail mod request. I still have no answers from Litton and will be contacting an attorney to help deal with this situation since I seem to be getting nowhere but the run around.

I contacted Litton Loan Servicing to obtain a loan modification due to hardship. I submitted all the documents as well as tax information. The first time, I was told I did meet the guidelines. Months later I resubmitted information after talking with one of their bill collectors. I was sent a trial letter telling me the amount I would be paying monthly and asked to submit my signature along with documentation. The amount they suggested was several hundred dollars more than I was already paying and only worked in their favor. I declined the figures they came up with. They insisted I pay the modified amount even though I did not agree nor sign. Now I am having problems with them taking my regular payment and this month I called in my payment and the person took more money out of my account than I told him to deduct; around sixty five dollars more.

I will be needing some help they are literally trying to bury me. Due to the changes they made, I have mounting late fees and they are telling me it take several more to make corrections from mistakes they made. When calling the agents they put you on hold and never get back to you. I have teat to speak to some one in loss migation or the loan modification department.

I started the loan modification process with Litton last year in October 2008. I can totally relate to some of the other complaints.They send you through this lenghty process of paperwork.I've heard it probably about three times if not more that they didn't receive the paperwork necessary.So as always I would resend and get verification from a representative that they received it and months later I think there processing my mod and instead there calling me again stating that im missing paperwork.It's so frustrating I started the whole trial period in June 2009, which they told me if I made my payments on time I would be approved for my loan mod.

Oct 6,2009 and I received a letter in the mail stating unfortunately they can't help me with any work out solution but they can help me with a short sale,deed-in-lieu of forclosure or settlement.What upsets me so much about this is now Im behind a month on my mortgage which I never was before,but they told me in June the payment I made in May would be be counted as my 1st payment of my trail period which began in june, but dont worry your statement will show your behind a month but once your loan mod is approved that amount will be add to your loan.

So now Im $3,600 behind, its 6 am in California I called Litton They offered to help me if I send in financial info they can help me figure out a way to pay of the amount that im behind, by looking at my debt to income . The rep told me although my payments would probally be higher,so pretty much after they made me behind now there telling me I dont know how to manage my money and give them all my financial info and they will squeeze out some extra money somewhere oh yeah and they will assist me for up to 18 months like this. No thanks I will figure it out myself. Well got to go to work I got a mortgage I have to try to catch up on.

Our loan was purchased by Litton,from Avelo,and or AAmes who were owned by Litton.Fraud! They claimed that we were late,we had many late fees,paid a mysterious insurance on our home,but I was paying it,would not work with us at all claiming we owed then,3000.00 in arrears,scared us,would not help us,filed foreclosure on us when they would not do a thing to refinance our loan.We would paperwork in to begin three different times and we never heard a thing!someone put a notice on our door,I called the title Co on the notice and got a diconnected number.

Fraud!we were so scared!we got letters from people about selling our home to them,with no return address.Calls,We were in a nightmare! Mental Harrassement! I called a lawyer,she did not know what to do and blamed us,charged large amout of fees.I called Hope Fpundation,and every Organization I found to call,no one could help,they just listened.The State of OregonCommission and Finance even told us that they could not help us.I felt as if Litton had its tennicles on everyone and that we would lose the home we loved.I saved every paper,read articles and cut them out.I knew that they were dishonest and I tried to stop them.

I finally called the F.B.I. and an agent finally gave me the advice we needed to to to save our home,he said,hurry and file bandruptcy to stop the process,that it would stop it for three yrs at least.Even though we only had a 3000.oo debt,we hurried a found a bankruptcy atty and filed fast.I am filing a suit againest Litton and are not scared anymore.It was living hell to go through sleepless nights,physically ill,insecurity,emotional abuse,they will pay for what they have done to us as well as others.Our good credit is gone,we cannot buy anything right now.We are 65,disabled,my husband is a purple-Heart Veteran.If this is the way Americans are treated we might as well leave the Country.Because they refused payments,they say now we owe them 19000,000

My mother applied for loan mod in dec 2008. Interminable process, sending in all document, refaxing, resending the same packet several times. Home went to foreclosure, we paid it out and set up repayment plan. Litton said modification was fast tracked, we went to Hope for counseling. They said my mother was candidate for loan mod. We did everything asked during the work out phase. All payments were timely. My mother just received a letter today saying that she did not have the income to substantiate the modification. Although the modified amount is half the original mortgage amount and the payments are very doable with her budget. We would have been better off staying on the repayment plan, she was only 4 months behind and she would have been close to paying all the arrearage back by now. By going through with the modification and by them pulling the plug at the last minute, my mom doesn't get any credit for the modified mortgage payments she has made and they are once again putting her into foreclosure. We just got the letter and they were closed today (Saturday). I have a call into my mother's Hope counselor and will call Litton Monday, but I am anticipating a real nightmare.

In Feb of 2008, I lost my job due to a medical disablity. My pay was cut in half, so I contacted Litton Loan, the servicer on my home loan.

I filled out the proper paperwork and submitted everthing they asked for. This paperwork was submitted Jan of 2009. In May of 2009, I was given a trial modification in writing, signed by the VP of the company. They told me I qualified and as long as there was no changes in my income, I would be given a new loan agreement.

Between May and Aug of 2009, I received several calls from Litton stating they need me to resend my info. This occurred on more then one ocassion, five to be exact.

In Aug. of 2009, I called Litton Loan regarding a notice of default letter I received. I contacted Litton Loan and spoke to Leo Gonzales. Gonzales told me I was approved and read me the contract information. He went on to tell me not to make anymore payments, because I fullfilled my end of the bargain and it was up to them to fullfill there end.

I asked Gonzales when I would be getting my contract and he told me, "The end of Aug or the beginning of Sept." When I did not receive my contract, I called again and spoke to Henrey Notch. He also told me my contract was approved and I should be receiving the contract soon. Notch did add that I still needed to send my modification payment to them.

I continued sending my payments, while waiting for my contract. When I didn't recieve my contract by the end of Sept., I called again. Litton stated I was not approved and they needed the 4306T form again. This was the fourth time I sent it.

A week later I called again to verify they received my info. Litton confirmed they received the forms, however, they stated they needed my bank statements again. This was the sixth time I sent them. I have made four trial payments. This converstaion took place on Oct 1 2009.

Oct 2 2009, I recieved a notice stating I did not qualify and that Litton was going to start foreclosure on my home, however on Oct 1 2009, I was told my loan modification was still pending.

Litton is playing games, I feel they have no intention on trying to help out the consumer.

We refinanced in early 2006 on our home of eight years. The first loan (with GMAC) was a good experience--customer service people were kind, helpful and loyal to our needs--but it was a balloon mortgage without a reset option, and we were feeling pressure to refinance. We had some equity but no chance of making the balloon payment upon maturity.

Payments under the new loan seemed high, but the company had talked us into rolling some outstanding debt into our home mortgage, increasing the principal. He assured us that the mortgage payment would be lower than the sum of our existing payments. That was true at the time, however some of that debt was getting rapidly paid off and all of it was unsecured.

Lesson #1 - Keep your mortgage principal as small as possible. If a lender tries to convince you to consolidate bills, run, don't walk, to find another lender who will work on your terms.

Fast forward to 2008. We'd been steadily making payments though our principal had not decreased. We began paying above the minimum, though it was a difficult year for us. Finally in August a payment glitch resulted in returned checks, fees, and a late payment recorded. Both our lender and bank were partly at fault, and much of it was resolved (our bank eventually refunded fees) but it was soon after we received our first notice of default from Litton, despite the fact we had resumed payments as early as possible.

After many discussions with Litton, they agreed to a revised schedule with higher monthly payments to "catch up" and get payments back on schedule. But we didn't understand all the fees that had been applied to our account, so we decided to speak to a mortgage counselor for help.

Lesson #2 - Keep accurate records of all conversations with your lender, statements, payments, receipts, everything. If anything is later in dispute, it will be far easier to reproduce documentation than to try to recall the entire situation and reconstruct events from memory.

At this time we had few options. We had once had equity in our home, perhaps %20 when we refinanced, but this was gone due to our increased principal and a drop in home values. Plus our credit was damaged by outstanding medical bills and the late payments reported by Litton. With no credit and no equity, we had no chance of refinancing, and a short sell could be our only option.

Now our home is in foreclosure, and I'm not certain what will happen next. I'm beyond embarrassed by getting myself into this situation--I'm angry with myself for my naivety, and especially angry with Litton for its treatment to its customers. At no point in time during our mortgage did I feel Litton's customer service were helping us in any meaningful way or concerned about our interests. We spoke about loan modification, but they never did consider our complete finances. Our tax forms show that we have ample gross income to make payments. But due to high taxes, utilities, and other unavoidable expenses it became a struggle to make minimum monthly payments.

We knew we were getting an ARM. We also believed it would function as designed--fluctuate up AND DOWN with market rates--and we believed we would be able to refinance within a few years if not. However, we wound up paying 9.65% at a time when 30-year fixed mortgages were dropping below 5%.

I now suspect we had what is called an "interest-only" loan. I did not know the term, and I did not know that is what we had. But the reality is that after nearly 3 years of payments, we'd sent over $70,000 to Litton, with no reduction in principal. It seemed so hopeless.

Lesson #3 - Never, ever assume a mortgage company will ever act in your best interests. Take your time to read and understand the loan you are applying for. Understand the industry and do your research. If you have any doubt or nagging concern, do not complete the loan applications. Hire an expert for advice--the fees will be tiny compared to what it may cost you down the road.

We're going to be fine, even if we end up renting a home half the size of our current home. Luckily, in this recession, my wife and I have kept our jobs and we are in good health. In the end this may be nothing to us but an extremely expensive lesson.

I'm also angry at the industry and our government for allowing so much financial deregulation to happen. Where is the outrage? Why is there no public outcry? The "American Dream" turned into a nightmare for us. We believed all the hype about purchasing a home being the best lifetime investment you can make, hook line and sinker. We've learned a ton with a hard dose of reality. We are saving money now for the first time in years, and look back on the years of car payments and credit cards in amazement, as in "what were we possibly thinking". May we never be in debt again. May others learn the same lesson with far less grief and hardship than we endured.