I just wanted to make everyone that has been harrassed by Litton Loan aware that you are not alone. After we refinanced our home with Nations Bank in 1999, our loan was taken over by Litton Loan Servicing. While we were on time with all of our payments for over a year to Litton, we were late on one of them and that is when it all started. My husband was laid off and I had to quit my job to stay at home with our son who had injured his arm to the point that he developed an infection in his bones. He had to be home bound for three months with continuous medication running through a tube to his main artery of his heart. We did not have nay insurance for home nursing so I had to stay at home with him.
Almost right away we recieved harrassing phone calls, and letters one right after another, from Litton requesting payment. We sent in payments as often as we could and they seemed to never go towards our house.
We were contacted at least twice daily for months, my husband and I both tried to talk to them and figure a way out of this but to no avail.
We were sent letters of "Intent to Accelerate" stating that we must pay all amounts due. The amounts were unbelievable. We could not and did not have any way of coming up with that kind of money.
Litton also informed us that the house was going to be foreclosed on so we talked to them and asked for a request for modification. While on one of the many calls with a rep from litton I was talked to like a dog, and brought to tears.
After all was said and done, the house was only appraised for 33,000, and we ended up oweing somewhere around 62,000 they said.
When I requested information about the amount I recieved nothing in response. The foreclosure took over a year and our name was put in the local newspaper of our small town, several times in Bold print.
After filing chaapter 13 twice and finally pushed into filing chapter 7, the house was locked up and we were not even able to get all our personal belongings out of the house.
We were never notified of the sale of our home or that we had to be out in a certain amount of time.
I know when you rent a place to someone the landlord has to give that person thirty days at least to recover anything that is legally thiers, but we were not granted this.
I am still getting tax statements from litton, and I still recieve property tax notices from the county. We have not owned that property for over a year.
It is like we are in a bad dream and they keep showing up around very corner. If you know what I mean. There is so much more that we went through with this company that I would have to be here typing this for another hour or so. I only hope I can help someone before it is too late for them.
0 comments