We refinanced our home in Miami Beach early this year in February. Although the mortgage company we chose said they would not sell our loan, they still make you sign a waiver that they might. Ans so they did... To Litton Loan Servicing...
Although we have not received a statement form them yet, we did get 2 temporary payment stubs, after the first due date of July 1st. We only had a postcard notifying us they were our new loan company...
When the coupons were received, I called and asked if the terms were still the same where we had from the 1st to the 16th of the month to pay without a late fee... I was assured it was so and that because I had yet not received a payment book or monthly statement for the first 3 months of our loan with them there would be no late payment fees or penalties even if we did pay late... I even wrote the person's name down...
All of a sudden this month, as of the 3rd we have been getting nasty calls accusing us of being late on our August payment. When I told the rep what the representative told me in July, she practically called me a liar and said there was no such note on file... Impossible!!! In any case I told her I had time till the 16th... She said, "That is on Saturday"... And so it is!!! I replied... I told her I was the customer and not to interrupt and that I wanted to know if they had purchased my mortgage form my lender... After just saying "Yes"... She told me as I did not allow her to speak then she had nothing to say and hung up on me...
I am always careful to get names and times, this time she caught me by surprise... I was shocked at her attitude and how rude the woman was...
This morning I already got from them an offer of FORECLOSURE MITIGATION... They are suggesting we go to a local seminar they are holding at one of our Universities next Saturday... My loan was not even past due!!!
I fail to comprehend why my lender would have sold to them... It scares you to even call them because their on hold message automatically says "WE ARE A DEBT COLLECTOR"...
Who are these people???
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