My complaint is against Litton Loan Servicing. Since 2001 I have faithfully sent in my mortgage payment on time each month. I notice in 2002 that my principle on the loan was particular this the same as of 1998.
I called Litton about my balance. I was informed that is was an interest loan, meaning that regardless I'm paying 95% interest on this loan to them and only 5% is going to my mortgage principle.
Every month I will send my payment to Houston, Tx my payment is always make it to their office either before the 1st
of each month or after the 1st of each month. I was informed to send my payment in on the 1st of the month so my mortgage principle will go down from the orginal balance.
I was informed in 2002 to do an automatic draft from my bank account on the 1st of each month so my principle can be applied on my mortgage.
I called Litton Loan on 03-01, about the draft. I was told that since I filed bankruptcy in 2003 I did not qualified for the automatic draft and they could no longer send out any coupon booklet to remind me of my payment each month.
Yes, true enough I file bankruptcy on my credit cards but not against Litton Loan. I have always paid my mortgage payment on time, I have never ever been late with my mortgage. My bankruptcy trustee DO NOT pay litton, I pays Litton out of my own checking account with a personal check each month.
In my personal opinion I feel as though Litton Loan servicing is discriminating against me just because I filed bankruptcy and they were not included in the bankruptcy proceed. They are definitely holding my personal check each month so I can continued to pay 95% interest on this account. I no it do not take 10 to 12 days for mortgage payment to arrive in Houston, TX from Memphis, Tn.
They refuse to send me an application for the automatic withdraw or draft from my account and they deliberately post my check either before or after the 1st of each month.
I asked customer service for a copy of their policy stating that Bankruptcy Customer does not have any kind of privileges or right to be treated as a non bankruptcy customer. Her respond was that she don't have any forms to send to me regarding the draft or withdrawer from my account.
However, her computer has a notations saying that I disqualified dued to bankruptcy.
These type of problems really need to be address. It's agianst the law to performed any kind of discrimination against anyone.
I feel as though I have really been mistreated for no apparent reason just because I file bankruptcy.
As I stated before that Litton Loan was never including in my bankruptcy I agree to pay my payment outside of bankruptcy and have not never ever been late as of today date.
The question is it fair for Litton Loan to treat me as if I stole something from Litton Loan Servicing?
Is it fair for Litton Loan Servicing to hold my check either before or after the 1st of each month?
Which I do no that they do not have any controlled over the post office as far as delivering, but I do not this that it do not take 10 to 12 to recieved any mail in USA especially when Texas is only 2 state away from my home address.
I need someone to look into this matter for me.
Thanks
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