Ditech

Ditech.com, which contributes a big share of General Motors' profits lately, has left a lot of angry consumers by the side of the road, including those below:

Rafael of Casselberry, FL July 10, 2008

Rafael of Casselberry FL (07/10/08)
In or about Dec 3, 2008 I applied for a loan (refinance) with ditech at ditech.com. on dec 7 or 8 2007 i was told that my loan was aproved and that we will be doing the closing after the appraisal . the FIRST apprisal took plae and I was told to make some re-pairs to the house and schedule a second appraisal, I did, the I was told in January 2008 (first week) that there was still some minor items that needed to be changed. I did the changes and a third appraisal was done.

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

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

Ed of Lancaster, CA July 5, 2008

Ed of Lancaster CA (07/05/08)
I paid my mortgage online one time and since then I do not get paper statements in the mail. Instead I have to go online to get a statement or to pay my bill. I used to do this during the week but for the past couple of monthes I have had to do it on the weekend. This is now the 3rd month in a row that the Ditech website has been down and unavailable on the FIRST WEEKEND of the month. To me this is totally rediculous.

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

James of Edgewater, FL June 17, 2008

James of Edgewater FL (06/17/08)
I have read with interest the persons having problems with Ditech/GMAC. I want to report that we are VERY happy with the service we have received from them.

Avery of Richmond, CA June 4, 2008

Avery of Richmond CA (06/04/08)
When I applied to refinance my loan through GMAC via DiTech, I was told in order to keep the interest rate offered I would have to put 500.00 on a credit to hold it. I did that and was told that it would be refunded to me at the closing of ther loan. I was told initially that my loan was denied, however, when I explained to them that I was not going to pay for a credit card account for approximately 11,000.00 because it was not mine the agreed to approve the loan.

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

I was ripped off for 500.00.

Dana of Las Vegas, NV February 10, 2008

Dana of Las Vegas NV (02/10/08)
I have now been a customer of ditech since December of 2003. I continually have to call them to get late fees removed from my account. I have an auto pay account. They are authorized to take money from my account on the 20th of every month. If their computer does not take the money on time they try to charge me a late fee. I am getting sick and tired of having to call them to get my money back. What can I do? I have talked to supervisors who promise it will not happen again many times. Please someone needs to address all the problems they are causing.

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