In May I missed a payment with Litton Loan. We were on a repayment plan since we fell behind in August. With the house in foreclosure, I attempted to make arrangements to get on a new plan and avoid foreclosure. I sent them all the correct paperwork they asked for. First they said they never received it. Then they said we did not send them everything. I asked them how much we owed, total. In one phone call, I was told 4 different amounts. It started at 10,000, jumped to 18,000, then to 11,000, then to 16,000.
In dealing with Litton, I found that they had not applied over $7,000 I had sent, per their agreement. In effect, they breached their own contract. This was told to me by one of Litton's employees. She could not figure out why they did not apply those payments. She told me that at least 8 payments I sent were reversed. She also told me that according to Litton, I had not made a payment since 08/08.
Luckily for me, I kept all my Western Union receipts.
I decided to call their attorney. I had their attorney send me the reinstatement figures. The total amount that I owe, according to Litton's attorney, is 11,726.50. Now, once we remove the late fees Litton charged me for payments I made on time that were not applied, and add the amount I did send, it drops the total amount owed to about 3,000 in fees (which include escrow they did not contact me about doing).
The lady I spoke with told me that they (Litton) made the mistake, it was being fixed, and I should NOT worry about foreclosure as they would make sure everything was fixed. That was two weeks ago. I have called and left several messages to no avail.
I am in the midst of losing my house because they made a mistake and did not apply any of my funds properly. I talked to one of their people today, and I was told that this was still pending and that the request was sent on the 16th of September. That is almost two full weeks after I originally talked to them about it and they admitted their mistake.
So, I am fighting them on the foreclosure, but since they are reporting that I have not made a payment on the house since 08.08, my credit is shot, and even if I needed to get a loan, I cannot because of that mistake. I feel for any of you dealing with Litton.
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