MY PROBLEM WITH LITTON

January 31, 2008
To: Litton Loan Servicing
Attn: Larry Litton
c/o Minnie Rodriquez


To whom it may concern:


After months of frustration with your company as well as Titanium Solutions. I have finally decided to write this letter and send it to all departments of
your company. I am hoping that one person will take this matter seriously. I will also be sending this letter certified to you as well as faxing the information
to the department supposedly handling my case. I have been ignored. Not listened to. I have been trying to make a payment to your company for almost two months now. (FULL PAYMENT) of the past few months I have been unable to pay due to the constant problems of Litton telling me I cant make payments certain ways. I am trying to give you my hard earned money and you wont accept it. I have put all of my Loss Mitigation paper work on file with Titanium and when it came down to me making the payment they told me I wasn't making it to them I was making it to Litton. When I spoke with Daryl of Litton Loan, I explained my story about what had happened and the time wasting of trying to go through Titanium and how frustrated I was and just wanted to make a payment. Well Daryl told me he would get back with me and I called for three days straight trying to get through to him. When I finally had to have someone at your service email him he called me back with a "payment plan"...Apparently my mortgage has gone from a 6.5 - 8.9 in a matter of months and also his payment plan was my payment going from $1214.10 to up over $1700.00? I hardly believe this is a payment plan that someone who is trying to come to agreements with your company is to help? So when I asked him how this would help me he said, well have you discussed your situation with Titanium. I just about flipped out on him because for a half an hour I explained to him how I couldn't get through and get anything done with Titanium and how I wanted to get this handled through Litton. It was as if he didn't listen to anything I said and came back with some payment plan, that a person in foreclosure can hardly afford- and just expected me to deal with it. I am able to pay what is over due and I have been for almost a month now and I keep getting harassed, my house is not up for trustee sale and I have people banging on my door to try to purchase it. I recently had an appraisal done on the property and due to market conditions the 990 square foot 1973 condo is going for a little over $114,000.00 The 1214 square foot unit just short-saled at around $52,000.00 I believe. My loan is for the amount of $210,000.00 in which I have put $25,000.00 down and also have been paying only on interest to your company. It is amazing to me that you are going to raise my rate now to an 8.9 and continue to change my payments every 6 months. I am willing to pay you the amount that is overdue if we can come to some sort of agreement, and also if someone in your company WILL LET ME MAKE A PAYMENT!! I am begging you to let me give you money and I am being tossed from one part of your department, to a loan solutions company (Titanium) that sounds like it is being ran from someones home!
I want to give you money to pay my past payments. My notarized paperwork is on file with Titanium. I no longer want Daryl working on my account as he does not listen and is 100% unreasonable. I have asked to speak with corporate and they will never give me the number or transfer me to complain.

They will not return my phone calls and they even have hung up on me. They have also been rude. I have sent them a payment and they even sent my money back and said that it was not enough and that they do not take personal checks. They will not even take a bank transfer from my checking account. Every time I call I pay a ONE time fee of around $14.00. How am I supposed to recover and get you the money on a depreciated property if you wont accept it?
What was the point of sending all of this to Titanium when I finally got the payment it wasn't even a correct payment. She told me that the loan would be at 7.4% when I spoke to Litton it had went to 8.9%? I have a job and I can afford my payments if we can come to an agreement, but at this point with my property being worth around half of what I purchased it for and my payment on a 990 square foot OLD condo being $2000.00, tell me why I am not just going to walk away and go rent a larger condo down the street for $795.00? Im trying here! Im trying to pay you, I have the money I can make what I am past due on if you guys will work with me also. The amount of 3% which you will have to pay a realtor and also the money that will be lost on this condo in trustee sale or foreclosure will much exceed what you are trying to squeeze out of me. I am a hard working person, and this is why America is hurting so bad and banks are going under. Its people like me that if you would just try to hold up to your side and not try to scrape every last penny out of a poor single female who is trying
her dam nest to give you all of her money, we could see a huge change in everything if your customer service would actually listen and resolve our problems.

Its no mystery that all of our taxes go to pay the interest loaned from large banks. Give me a break here. Take my house out of trustee sale and let me at least try to hold up to my end of the bargain before you go and place this home for not even a third of whats its worth because your employees dont take the time and effort to help people PAY YOU. I will send ten copies of this letter to all of your departments until I get a response from someone who actually cares about the fact that I HAVE THE MONEY TO GIVE YOU and YOU WONT TAKE IT!

I had come out of my deep depression from being an unemployed Realtor, I have managed to get everything back on track and get the money to tend to my obligation and Litton put me right back into depression again with their total lack of cooperation. I am not able to refinance nor take out a home equity loan which was promised me from the time I have taken out this loan my payments are now $500.00 more than when I started. I used my entire inheritance from my dead grandmother to make the down payment. My property is now worth HALF of what it was. Can you imagine my frustration? Please I am practically begging you for help in this matter.

Litton constantly mails foreclosure notices and has sent my information to random people who wont stop contacting me. They have put my whole world on blast with the trustee sale. I have random men knocking on my door at all hours. I can be sure at any time Litton can claim we owe them extra money and if we cannot come up with the money while we dispute their claim we may lose our property. Its a threat that will only force YOU to lose money as none of this makes any sense on why its been so hard to resolve this with you!