Complain about a product or service

Litton Loan Services

PATRICIA of CHICAGO, IL September 20, 2009

In December 2005/January 2006, without our knowledge or consent, our mortgage was sold to Litton Loan. Before we knew what hit us, our home was foreclosed. In January 2007, we read in the daily newspaper that our house was being "sold" and actually went to the "foreclosure sale." We were directed to the offices of Pierce & Associates -- the equally atrocious bulldogs who are rubber-stamping case-after-case amassing exorbitant attorney fees and court costs in the Foreclosure Court on behalf of Litton Loan. Finally, an agent of Litton sent a fax through Pierce with a Forbearance Agreement; and DESPERATE to keep our home, we made lump sum and monthly payments over the next 10 months in excess of 47,000.00 (I have copies of the cashiers checks). During this time, we attempted to contact Litton Loan hundreds (maybe even thousands) of times. Either the voicemail box was full and we couldn't leave a message, or the voicemail indicated the agent was helping another customer and would return our call in 72 HOURS. On occasion, we were fortunate enough to connect to a "live" person, they were clueless as to our situation, some became rude and condescending, and more often they said we needed to speak to a supervisor because according to their records, our home was foreclosed. EVERY TIME IT WAS A DIFFERENT AGENT, WITH THE NAME OF A "NEW" SUPERVISOR. Guaranteed they have a HUGE EMPLOYEE TURNAROUND!

To date, we have no evidence that our OVER 47,000.00 was ever applied to our mortgage loan. In January 2007, we retained a foreclosure firm who called off the dogs and ATTEMPTED but FAILED to negotiate with any one Litton officer. They would come to terms, and Litton was penalized on more than one occasion, but then the Litton player would change, and we were right back to square one. Well, the Sheriff's Officers came to the door with battering rams to evict us. They gave us ten (10) days. A week later, a Notice of Eviction was served on THE WRONG PARTY! They didn't even have our names on the complaint. We looked like fools in the eviction court, and refused to be under the jurisdiction of the Court. Simultaneous, we hired an attorney to file a complaint in the Foreclosure Court, and on October 14, 2008, the Circuit Court of Cook County, Illinois ordered: This cause coming to be heard on Defendant's Motion to Quash Service of Summons, upon due notice, and the Court being fully advised: It Is Hereby Ordered: That the Defendants having met their burden of proof, the Motion to Quash Service of Summons is granted, and all orders and the issued deed are void ab initio.

THEREAFTER, WE CONTACTED LITTON A HUNDRED MORE TIMES, EACH TIME WE WERE TOLD OUR HOME WAS SOLD! WE TRIED TO SECURE A MORTGAGE FROM SEVERAL OTHER LENDERS, BUT WERE TOLD OUR CREDIT HAD THE FORECLOSURE AND THEY EITHER COULD NOT NEGOTIATE WITH LITTON BECAUSE THEY WERE NO LONGER THE LENDER, OR LITTON DID NOT RETURN THEIR CALLS. Last month, the attorney that handled the motion to quash service sent a letter stating that ONE WEEK following the hearing, Litton claims to have served us with foreclosure papers; and the house was again foreclosed! LITTON NEVER GAVE US A CHANCE TO SECURE A MORTGAGE FROM THEM OR ANY OTHER LENDER AFTER WE PREVAILED IN THE FORECLOSURE COURT. The attorney wants another 3,600.00 to go through the same process in Court and reverse the foreclosure. WE WERE NEVER SERVED ON OCT 27 2008. Not only do we want to sue the process server, LITTON LOAN, and their agents, but more importantly we WANT TO SECURE A REVERSE MORTGAGE FROM A LENDER!!! PLEASE HELP US!

Stacie of Dolton, IL September 18, 2009

My grandmother, Julia, has had and account with Litton Loan Servicing since 2002.As of now her loan with them have seem to have defaulted even after making payments every month on schedule.They send her a letter stating her mortgage has been behind since November of 2008. I have the receipts showing that she is current, not only that she is being charged late fees for the alleged late payments and being charge for insurance she has through an outside insurance company. When I call and inquire about where is the payments, why is she being charged late fees and insurance I am given the run around. They even suggested a loan modification. The necessary paperwork was sent for the process, when I called back they said the account was "still in review" that has been for a over a month. I currently received in the mail a letter from litton stating they are turning my grandmothers account over to another loan serving company called "Security National Servicing". I call them and ask what the balance of the mortgage as it stands and they tell me the same amount that the original loan was when Litton took over in 2002. They asked me contact Litton and request a history of all transactions to the account because right now they done have them just yet because they just recieved the loan as of September 1st, 2009.. I need help. I don't want my grandmother to lose her house of 40 years.

Christopher of Anza, CA September 18, 2009

Our payments were on time, Litton Loan Servicing offered us a trial loan modification, we made the three payments - they closed out our loan modification without notifying us, and afterwards stated they needed an IRS form and didn't have it, so they turned us down. We provided the IRS form at the time of application for the loan modification - they never said anything about it after that. We were in constant contact with the executive team about our loan, received a statement of account signed by Shawn Wilson - and no where does the letter say anything about any IRS form missing or not completed.

In any case, we were scammmed by LLS. The company received millions from the U.S. Government to provide loan modifications - and LLS is just faking it with the loan mod trial periods - and then finding any reason they can to turn down the loan mod. You see, this way, they get the money from our Government - that covers them completely, then they foreclose, sell your home - and actually make more money this way.

End result, our Government made it easier for the lenders to foreclose - now they have no brainers - they can't lose; and LLS is laughing their way to the bank with our tax dollars to boot. I am losing my home of 10 years, a home in which we hadn't missed or been late on a house payment prior to LLS's "trial modification. We are losing our way of life, 2 acres, fenced, outbuildings, everything we built and created in our lives - it came to the point LLS had us so frustrated - we sent them a letter telling them we would like to expidite the process of reposession - just to "end" things - and LLS wouldn't even do that. I guess they want people to

John of Vancouver, WA September 17, 2009

We bought our home 4 years ago on an ARM interest only loan at a time when my wife and I were making90,000 to 100,000 a year. The loan was due to adjust in November 2008. I tried unsuccessfully to get Litton to help us modify the mortgage due to the down turn in the economy which had dropped our income to around 85,000 a year.

They do not return phone calls, lose any information that you send to them, and lie on a continuous basis about how they are going to help you out. I lost my job in May 2009 and my wife has had her hours reduced. Litton sent us a letter explaining the governments new program that is supposed to help American families not to lose their homes. We followed their instructions to the letter and after numerous phone calls and 3 weeks of lost time were told that they would not modify our loan because "their investors said we owed more on the house that it was worth". Are you kidding me?

Our loan is only for 204,000 on a home worth 300,000 at the end of 2008! We then hired a loan center to help us as we were getting no where with Litton. They started in March 2009 and successfully had our second mortgage modified by early July. To this point, Litton has stone walled even the loan center personnel by either not returning phone calls or flat telling them that we cannot afford the house. How can that be when we made every payment from November 2005 to November 2009 without any problem? They will not do anything remotely close to "good faith".

How these people stay in business is quite plain -- they are carpetbaggers sucking the life out of hard working families doing their best to meet their committments during a difficult time in the economy. To make matters worst, you have to prove a hardship to get a modification. If having to lose payroll and helping our daughter raise a 2 year old grand-daughter (they both have lived with us since March 2007) isn't difficult then I'm not sure what is.

We have complied with everything they have asked us to do, except pay an outrageous amount of money to reinstate our loan and stop foreclosure. Wouldn't you rather help someone who is willing to make their payments find a way to do so? Due to their lack of interest in helping solve the situation, we are now faced with foreclosure in October 2009, are having to file bankruptcy to stop that proceeding and hopefully force these leeches into giving us the help they promised almost a year ago. If anyone out there wants to start a class action suit against these, I would be more than happy to join in!

Susan of Marietta, GA September 16, 2009

This is the biggest Mickey Mouse business I have ever dealt with. The rules change depending on what day it is and who you speak too.Have been trying to work with Litton on a re modification since April. Faxed all documents they requested and received fax confirmation. Called several days later to see if fax was received. Claimed they didn't get it. Re-faxed. Received confirmation. Called several days later to make sure fax was received. It was. Was told that it was in review.

Received foreclosure notice in June. Called Litton. Was told as long as it was in review the home would not be foreclosed on. Called in July and was told one of the forms I sent in April was not filled out correctly to resend. Did so. Was again told that as long as my file is being reviewed the home would not be foreclosed on.

Received foreclosure notice for Aug. Called and spoke to a rep who told me that I had been misinformed. That just because my case was in review that didn't stop the foreclosure. I had to call two weeks before the scheduled sale and ask for it to be stopped, but they had all of my paperwork and it looked in order. Called last week and was told that one of the same form I was told to refax because it was filled out wrong, was the wrong form and I needed to fill out another form 4506T and fax it to them.

I had also been told that the second mortgage had been sent to the write off dept, but received a letter yesterday stating it had been sent to another servicing company.

Melanie of orinda, CA September 15, 2009

I lost my job one year ago this month. For the past twelve months, my husband and I have been diligently trying to work with Litton to establish an amicable loan modification. November 11, 2008, our home went into pre-foreclosure. Over the holiday season, we began liquidating any personal belongings we could to come up with money to get current on our loan and sent Litton Loan Servicing over 10,000, via Western Union, although they rejected the payments and eventually led to an auction sale date of March 23, 2009.

January of 2009 we were approved on a re-payment plan, although the money payments were more than we were previously paying with a huge balloon payment of 8500 in the final month but Litton Loan said we would be able to modify the loan and get lower payments, Unfortunately we were not able to keep up with this payment plan and fell back into a similar situation with Litton Loan Servicing rejecting any payments from us.

I have tried to work with Litton directly, through a HOPE program representative and have finally hired a 4,000 attorney specializing in loan modifications to help facilitate the modification process. Our house is currently set to go to auction on September 24, 2009. Litton has told us we are approved for a loan modification although has done nothing to secure new payment terms for our loan. We are in an interest only loan, clearly we didn't know what we were getting into.

1. Litton Loan originally told us, our loan was more than our house was worth, which was a complete inaccuracy. Our children are lucky enough to attend one of the best public schools in the state of California. 2. Litton has had us submit, resubmit and resubmit the same applications, financial information repeatedly, continually stating it will take 60-90 days each time we spoke with them. They have told us numerous times we are approved for a loan modification although have done nothing to modify our loan.

3. We also had a two hour interview with a Hope program representative who took our case and submit the document and recommendations to go forward with the modification although we were asked to submit more documents and resubmit the same paperwork, all of which we did and still never heard anything. 4. Litton has stopped accepting payments from us again, nevertheless, we hired an attorney have submitted more of the same paperwork and applications and now Litton has set an foreclosure auction date of September 24, 2009. I believe Litton Loan Servicing received money from the government to fund the Hope program and I would like to know what and who they have helped consumers.

Home Foreclosure -- House up for Auction September 24, 2009. I encourage anyone who is posting on Consumer Affairs to email President Obama, predatory lending needs to stop now.

John of Sebring, FL September 14, 2009

I have to inform you that I have been requesting information from company since July of 2009 of which as of this date there has been no acknowledgment of the information that we requested of any kind whatsoever. Before I can proceed with any modification or mediation, we need to know who we are exactly dealing with. In the event that we do not obtain a full disclosure pursuant to my letter, we will take it that [they] are not able to comply or obtain any of the information requested. In this event a court action would be necessary to obtain this important information, namely to ascertain who Litton Loan Servicing is acting for. This letter and all prior correspondence will show proof of inability or non compliance to give us this information. Therefore, we would be requesting an immediate remedy by the court. They said that my loan modification was now being considered for a special program they have.... I will advise of the outcome as its still being considered...by the way I have never been late a payment to them but will behind 1 for the first time as of June 30, 2009.

Cindy of Murrieta, CA September 14, 2009

Litton loans is doing the same thing to us. Approved our modification, filled out paperwork, we are making our payments, now say they changed their mind. I am scared I have no where to go. I have been in this house for over 13 years. They denied our first loan mod in March, then we went to Hud, resubmitted and were approved. I talked to them over the phone over and over to make sure there was no mistake, no additional info, nothing. They even had a recording on the phone that said congrats you have been approved, etc. They told me it was a done deal, as long as we made our payments on time during the modification trial period and filled out all papework. Fed-ex everything to them on time including the payment over a week early. Now they took our payment but are mailing us letters saying foreclosure, short sale, we have been denied, their investors changed their mind. WHAT? Anyway, we need to get a lawyer, go the Attorney general office in Texas and CA.

Annette of Tampa, FL September 14, 2009

I cannot believe it; I am not alone in dealing with this company full of incompetent workers. I called Litton last summer June 2008 to inform them of my divorce and loss of income and they had no advice for me. I heard of the loan modification and called again to request more information. They stated that they were still waiting for more information but I could send in modification paperwork and they will process once the info was available to them. I have resent in loan modification information at least 10 times and have called at least 100 times since June. 2008. They finally received the information in May 2009.

I have been told all of the same excuses as to why my loan modification cannot be processed after I was told that I qualified. I am already in Foreclosure and they just sent me new loan modification papers. How odd is this? I sent it back certified this time, but have not heard anything in 1 month. Is it even worth it or should I just take my kids and find another place to live. I have hired an attorney but not sure if they will help after hearing all of these instances with Litton. What a waste of time, energy and effort. I am worn out!

NANCY of FRONT ROYAL, VA September 14, 2009

My husband and I have Litton Loannow because we were sold to them and really hate them. We had been approved for refinancing with the exception of some judgements paid off and the company I was going throught to refi did a settlement offer with them 15000.00 less then payoff and they will not approve it. Keep in mind it took them 3/4 months to give us an answer. I would call everyday and nothing.

This company needs to be closed because helping their clients is not their number one priority. This company then requested paperwork all over again when they have everything from the settlement offer we tried to get w/them. If would get penilized for their actions maybe they would wake up and help their customers. Myhusband and I have a ARM at 10.35% rediculous! I haven't seen this sice 1986. Please help!

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