It should be against the law for a mortgage debt collection company to be able to stall homeowners as this company does. We have submitted paperwork twice, called lines that no one answers, recieved phone calls at 8am on a Saturdays sating they tried to reach us earlier that day... ??? We've been sent to extensions and put on hold for half an hour. Been asked for information by one person in one hour...and called again the same day, and asked for it again. The script is obvious. Keep people in the circle of the same thing. Exactly what are they doing? What is the game? We are reporting them to our state banking commission and hopefully, they will at least give us a fast answer when the attourny that has their license to do buisness in her hands, asks for answers and gives them a time frame. The home is worth more to us than the bank, believe me...but it is our home for 6 people and we have worked hard to keep it after a layoff. Now re employed, we simply want answers. One answer...not different answers based on who we talk to. We have received letters that contradict each other and 5 months worth of different info from different people. Can someone please explain what is going on, becaseu this is horrendous.

My boyfriend and I recently tried to buy the home located at 1123 Nicodemus RD, New Windsor, MD 21776. 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.

I completed everything required on my loan modification trail period of three months. Paid on time, submitted all the required documents and was still denied. First excuse given is that I did not live on the property..I had sent a utility bill and all the communications have been coming to this property, I had not lived anyway else not even vacationed for the last four years. Second reason given last week when the second resubmit was denied was due to the value of my home having dropped. I could not believe, I did not ask them to lower the loan amount just keep the modification arrangement I was on during the try period. I cannot believe this..

WE found out about HAMP through a non-profit housing counselor. Litton Loan Servicing has told us we have been denied HAMP loan modification, but we never filled out any paperwork. When we finally sent our documents to be considered for a modification, they have not sent us anything writing, refuse to fax us confirming they've received our personal financial documents and flat out said they would not provide a HAMP modification for us. They said they will only do a short sale.

My husband has a job now, and we were late on our mortgage because of this reason. Now he is working and we want to get our taxes, insurance included in the mortgage and our rate adjusted plus our principal adjusted.

I have been trying to modify my loan since November 2008, when I first called them to find out if I would qualify for a loan modification; they told me that they need it to collect all my income information and expenses over the phone. After giving them all my information I was told that I would qualify for it, and all I needed to do was submit all the necessary paper work, I was also told at that point to continue making payments on my mortgage on time in order to qualify for it, well I kept on paying my loan on time even though I was having a hard time meeting other responsibilities; February came I still didn’t have any answers about my loan modification, so I decided to call them after so many month of follow up with them, I was told by one representative that according to their records I was on time so they did not believed I was having a hardship; at this point I though "well are they crazy or what?! So I though they were forcing me to go on default in order to qualify for it... So I did, for 6 month. Eventually they put my house into foreclosure, so I decided to work with one of the government agencies call NACA. Then they decided to start working with me again, they send me the work out plan paper work with the tree month trial period, I agreed with their proposal send every piece of information they requested at the time, and I start making payments soon after for tree months in a row on time. At the end of October I received a letter from them asking me for the same information they asked before the trial period started (meaning that they wanted me to start the process over again), I decided to wait until the end of October thinking they have made a mistake, but rather I received another letter stating that I did not qualify for the work out plan because I failed to meet the trial period payments, at this point I called them, and this was their excuses: " Well the first 2 payments you made via quick collect were send back to Western Union because you did not provide all the necessary information, and the third payment we decided to keep to cover our company's legal fees, but if you want you can applied again for a reconsideration" I was fuming just to hear all the nonsense’s excuses so I said "fine it seems that your company want to keep me in the loop, I would contact Western Union to make sure they have my monies" The lady I was talking to was very rude, unprofessional and very disrespectful to me so she reply: " We will put your house into foreclosure again".

All this trouble I have been thru with this company is fine and all, but here is the real problem " After calling Western Union, and being on the phone for more than 45 min with them they told me that all the moneys were paid to Litton loan servicing, and there is not monies to be reimbursed back to me" So know it's clear in my mind that this loan company is a SCAM, and a PREDATORY LENDING INSTITUTION. So for those home owners that have Litton loan servicing I am encouraging them get together and fight for our rights.