- Report: #1405928
Complaint Review: Ditec - Chicago Illinois
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Author Confirmed
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Ditec
5055 N Cumberland Ave Chicago, 60656 Illinois, USA
Phone:
1-800-643-0202
Web:
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Ditec Ditech Financial They said they are doing a loan modification but this never happened Chicago Illinois
I pruchased my mobile home in 2000 under Green Tree financial and never had any problems or complaints. When I had surgery I was out of work longer than expected and they put 3 months of payment at the end of the note to help me through this hard time. I went back to work with the same company and was able to make my payments on time until I was forced into early retirement in October 2015. Sometime along the way I thought they sold my account to Ditech which turned out to be the first lie because they merged back with Ditech, Ditech actually owned Green Tree. Anyway I struggled to make my payments until April 2016 so I asked them if they would move 3 more months to the end of the loan and they did. During this time I was looking for work and only found a part time job for 2/3 of what I was making before. I turned 65 so had to join Medicare and that monthly premium along with the supplement and prescription drug policy really put me in a bind, but I struggled through.
Then in October I was Laid off again. I missed a couple of payments and in December 2016 I contacted Ditech to find out what options I had in order to keep my home. By this time I started receiving my social security so I could make a lower payment so they sugested a loan modification with lower interest to make it more affordable for me. Now this sounded great. In January 2017 I got a call from Andraes wanting me to make a payment. I explained that they were working on a loan modification for me so he looked in his computer and said yes they are working on it and should have it done soon and that they would let me know what my new payment would be and not to make a payment at this time. So I didn't make a payment. The next month he calls again and I explained that they have not let me know my new payment yet so I didn't have to make one. This went on for a few months and I thought every thing was ok. All of a sudden someone new calls, I don't remember the name, so I explained what was going on with the loan modification and again was told that they are still working on it and no need to make a payment until it is final. Then someone else calls and I explained again and they said that they want a payment before they take it any further so I made one. Now here it is October. On the 6th I got another call wanting a payment so I made one and she offered to email a receipt to me which still has not come. She also told me that according to the notes in the computer that Ditech sent me a letter of denial back in December. Well guess what---that never came either and all this time I thought everything was fine with my account. With every person I spoke to I asked for something in writing as to what was said and what was going on and every time I'm told that they don't do that.
On the 11th I received a certified letter of default demanding payment of 5252.36 less the payment I made on the 6th by the 26th or they can come in and take possession. So I guess they will have to come and get it. We have no place to go, my husband just had a major heart attack 3 weeks ago and he also has ALS so we have medical bills again and he can't do much of anything. We have NO money so unless his brother will let us stay in his basement we will be forced onto the streets.
