Ditech Financial LLC Mortgage Complaint

Ditech Financial LLC Mortgage department,

Conventional adjustable mortgage (ARM) Loan servicing, payments, escrow account California

In - -, I received an offer for mortgage recast from Ditech which would have reduced my monthly payment by about $400.00 under the the U.S. Treasury 's Making Home Affordable MHA-HAMP. I signed and returned the documents on - -, - ( Attachment - ). Ditech did n't acknowledge my response. Then, 2 months later when I called to check what happened, a very rude supervisor started arguing about balloon payment even though my mortgage does n't have such a requirement. In a letter dated - -, -, Ditech stated that it had received full $5000.00 from the U.S. Treasury MHA-HAMP to recast my mortgage and reduce my mortgage payment from $2100.00 to $1800.00 per month effective from - -, - ( Attachment - ). Yet, the - and even thereafter the - statements did n't reflect this change ( Attachment - ). Unfortunately, the - -, - letter was sent when I was on a one month vacation abroad ( - - - - - ) as shown in Attachment -. Due to a -, I was n't able to check my mail until - - when I opened the recast letter, signed it and immediately put it


do anything about the payment of - but sent a request to her supervisor to change the payment of - to the new reduced recast amount. She then asked me to call back on - -. However, I asked her if I could speak with her supervisor because I did n't want to wait till - and have my payment late. Very disappointingly, the supervisor turned out to be a rude and senseless person who insisted that the - - letter should have been returned by - - even though I fervently explained to him that I was out of the country from - - - ; and as such it was n't humanly possible for me to meet the - - deadline. What I find ironical and extremely disingenuous is that Ditech could send a letter on - - with the recast effective only 6 days later on - -. How did Ditech expect me to receive the letter, sign it, and have them review/approve the recast within only 6 days for it to effective from -? Secondly, if the recast was to be effective from - - and I was required to sign and return the letter by - -, was Ditech planning to refund me or apply to the - payment the overpayment of $370.00 for the month of -? Most importantly, in both the - and - recast letters, the primary requirement by the U.S. Treasury 's MHA-HAMP for a homeowner to qualify for the recast was that the mortgage account had to be current and not lost good standing under the HAMP for more than 90 days. As a matter of record, since my mortgage was modified by - in - -, I have not been late a single month. So, why should a rude and obnoxious supervisor deny me my rightful benefit just because I was out of the country to receive or respond to the - letter? If Ditech could n't fulfill the recast start date within 6 days as stated in its letter, then what legal or moral ground does it 's supervisor have to deny me the recast even though the U.S. Treasury under the guidelines of HAMP deposited in full MHA funds with Ditech? Honestly, I find this type of corporate greed to be not only fraudulent but also reprehensible.