My Story/Litton Loan.

[Joel Fraser]

Good day to you Loan Safe Forum. 1st Off my mother Mortgaged our property that I have lived on since 1972 in 1997 to move a small wood frame 1950`s model house in on our almost 4 acres of land.Then in 1999 I got into some trouble with the laws and my mother refinanced the property to retain me an attorney ect. Upon her refinancing the 1997 mortgage in 1999 it was moved to a different mortgage company.Shortly after the 1999 refinance my mother was notified that Litton Loan from Houston Texas would be servicing the Mortgage.Then the terrorism of Litton Loan began.Her mortgage note was $409.00.My mother started to worry because she was being notified of late charge fee`s ect.Three times she had to get my sister to pay them over $1,600.00 dollars or they said they would foreclose. Now Litton had been servicing mothers mortgage from 1999 to March of 2006 when my mother died of a massive heart attack at age 61 after being on the phone with over 6 different Litton Loan Employee`s until they actually just hung up on her after telling her to pack her bags. My wife was on the mortgage as secondary borrower. After my mothers succession the property reverted back to me and my sister 50% mine 50% hers.My sister decided to donate her 50% to me since she had not lived here since she was married with her own land. Me and my wife are under a chapter 13 bankruptcy we filed in april 12th 2006.My mother died and she left me and my wife with a mortgage that me nor her could pay,the way Litton Loan out of houston texas conducted their criminal business with bogus late fee`s ect always with a threat to foreclose on my mother. Our Chapter 13 as of april 12th 2006 was for 48 months we filed.We have got 2 periodicals from our trustee showing things payed off and how much is still owed ect. Also my Attorney did a Respa Request on my mother and wifes account with Litton Loan and they only went back to 2004 when this was done in 2006.I just found a letter head from Litton Loan to my mother and wife in big bold black letters saying NOTICE OF DEFAULT Dated 8/8/99 We were assured by our BR Attorney that we would not hear nothing from our creditors by snail mail nor telephone or they would be in violation. Well our mortgage servicer has been faithful in sending us out a statement at the end of every month,which I consider a violation of the BR Court rules. Their reflection shows we owe over $12,000.00 dollars more than our Trustee`s periodical shows. Me and my wife keep our own homeowners insurance and the mortgage servicer {i.e.Litton Loan}holds money out of the Trustee`s monthly payments that goes into an escrow for property taxes that we are exempt from and for their own insurance purposes that me and my wife are paying for. 1.What the trustee yearly periodical shows we owe to litton loan is roughly $12000.00 less that litton loans monthly statements. 2.They continue to send out monthly statements when they are not to contact us in any form or fashion. 3.We keep our own homeowners insurance and they continue to hold out for homeowners insurance that goes into an escrow when they demand proof that we carry the homeowners Insurance that our Insurance Company Faxes them a copy of when me and my wife re-new`s it. 4.We are EXEMPT from property taxes and they continue to hold out of the trustee payments for property taxes that goes into an Escrow account.Also our Trustee pays them $496.12 a month and they take $86.23 and put into escrow that vanishes at the end of the year and starts over. 5.Litton Loan is aware we are property tax exempt and carry the required homeowners insurance and Litton Loan is still being criminals even under our chapter 13 bankruptcy. 6.I have sent snail mail telling my attorney of these illegal activities and have not heard a wink from him in 3 months. All I ask for is an honest opinion and some good orderly advice of what should I do in this illegal activities that Litton Loan continues to do. My mother as far as I am concerned L murdered my mother.The statements Litton Loan sends us is still to my Mother and Wife and they have been faxed a copy of her death cerificate. All I know is that when we filed Litton Loan Bankrupt the claim to be payed 100% was for $23,813.76. The last Litton Loan statement that came last friday 7/25/08 shows a principle balance of almost $22,000.00,when our chapter 13 Trustee periodical report in June tells a very different story. Litton Loan is still charging us even under bankruptcy 11.650 % interest. $13,395.24 has been payed to Litton Loan on their claim.$10,418.52 is left to be payed into Litton Loan in 21 more months at $496.12 a month. Can someone tell me what in the world do they think is going on here?. Criminal corruption loan should be their name. Thanks a million as Littion would say. Much appreciated. Steven