February 2009 was giving me a loan modification, lowering my interest rates (which they did). Went from 10.8% to 4.8% which dropped my mortgage payment from 1422 per month to $888 per month. The modicfication was to bring me current on my escrow which would have been fine and would have been affordable, but meanwhile when I got my modification back they did not pay my taxes and during the modification I had $21, 000 in my lost draft fund (from hurricane Ike damage) this money was for the damages of my house. During the modifications I was supposed to get the $21, 000 in order to fix my house, Litton Loan Service pulled out $8400 and applied it to the rearages. The rearages were supposed to be added to the modification. After everything my payment doubled to $1600 per month to cover payment of my escrow that they did not pay. Then Litton Loan Service purchased insurance on top of all this, now I am behind in my escrow by $11, 000, and have been trying to contact Litton and ask for another modification and they turned me down. And then...I still at this point have almost $7000 left in my lost draft fund, I have faxed over many times in writing to roll the funds over to bring me current so that I can keep my house. Now I am being told they cannot do it because my repairs have to be at 90%. but they took my money without my knowledge initially and didn't even ask me, this was because it was convient for them at the time they did it, now they won't help me??? Now I am in foreclosure again. Obama said we were getting help and it seems like no one cares aobut the working class people, the ones who work and stuggle, living paycheck by paycheck. We the people need to stand up for ourselves, and find a law firm who will take action against this fraudulent company. Sincerely yours- Stressed Family