I originally had a loan through Ameriquest Mortgage, who then sold the note to Litton, who is currently servicing my mortgage. These guys really suck. I had become 5 months behind on my mortgage, due to a 3 month period of unemployement. Litton contacted me, and indicated that my house was approaching foreclosure. My monthly payment is about 600 each month, so I was behind 3,000. Litton told me my house would be foreclosed upon, if my loan wasn't brought current. They agreed to put me on a repayment plan, consisting of 1,000 doller payments.in addition, they also required 2,000 in legal fees, to make this happen.
I called all the relatives, found 2,000, and started making 1,000 payments. After 8 months, Litton indicated I was current with my loan. Whew! Now, I'm trying to refinance my home, and my credit report shows that I've had a foreclosure. Litton had told me that I was avoiding foreclosure by paying them the 2,000 and 1,000 per month. I can't get a loan with anyone! I've contacted Litton, indicating how my credit report shows a foreclosure, and they are unwilling to clear up the misunderstanding. Not only unwilling, but have the attitude of, your sh$t out of luck buddy. My loan is current, I still have the house, how can I have a foreclosure? What did I pay the 2,000 for? Legal fees my butt. I'm paying out the nose, with a rate of 9.75%, which Litton says may increase. I want out from under their thumb. Help.
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