Consumer complaint received 2017-11-09
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX, I contacted Ditech to see what I could do about our mortgage. I would have called sooner but I had knee XXXX XXXX XXXX and I was in a lot of pain. I beleived I spoke with XXXX. She told me not to contact a lawyer and told me a list of documents ( see attached ) I needed for a loan modification. I was under the impression that when I sent the documents in my account XXXX # XXXX ) would be put on hold. I faxed documents XXXX. A couple days later I called back. My account was not put on hold. The person I spoke to told me I need Uniform Borrower Assistance Form and 4506-T form. They then told me 24 hours after they recieved the 4506-t form that they would put my account on hold. They were very specific in this statement. I faxed the requested documents on XXXX. I was still unable to walk without crutches and was still in a lot of pain. 

On XXXX I called to see how the Load Modication was coming. I was told that my house was scheduled to go to sale tomorrow. I asked to talk to a supervisor. She said that it was up to her to do a loan modification but she would not do it. She said all I could do was show up XXXX with {$6200.00} and that they would stop the sale. She gave me a Massachusetts address and we live in Michigan. I learned that they have an office in XXXXXXXX XXXX XXXXhich would take only XXXX minutes to get to. 

I called XXXX at least XXXX times. I left message for XXXX and I spoke to XXXX. 
XXXX told me if we email them proof of funds that they would stop the sale. 

At around XXXX XXXX, my mom and I went to my mom 's bank XXXX XXXX XXXX. My mom told me she would lend me the money. We spoke to the bank 's XXXX XXXX XXXX about the situation. I told her I was n't comfortable sending account info to XXXX without verifing it first. XXXX the Bank 's XXXX called XXXX from Ditech. XXXX said that if we went proof of funds that they would postpone the sale. We also told him that we could make a payment right now. He said that we had to make a payment to XXXX and that it would take about 3 days to get a statement with the amount to them. I told him that I was willing to make a payment for a larger amount but they would not take it from us. He also said that he could n't send a statement to XXXX because our property was scheduled for sale. 

We sent the email to XXXX. I also asked them if the would accept a larger payment but they sould no. I figured they could send us a refund later or apply towards the next mortgage payment. They said evan if we had the exact amount due XXXX which I was given the day before ) that they would not take a payment until they received a statement from Ditech. They told me that they forwarded the e-mal to Ditech at XXXX XXXX. 

Monday we had a noticed posted on our door that the property was sold. I called XXXX XXXX court at XXXX XXXX XXXX XXXX. They said that they had all day Friday to stop the sale. XXXX after the time of sale they had all day to call and post pone it for a week. 

I spoke to the following people at Ditech ... .XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX supervisor. I have the following phone # ... 
( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX my account # is XXXX. 

I spoke to XXXX & XXXX XXXX from XXXX. There account # is XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

Pleas Help!!! We are desperate!!!! I have a son in XXXX XXXXl and a mom ( whom I take care of ) who is XXXX XXXX XXXX and lives XXXX minutes away. 

I can be reached at XXXX XXXX XXXX XXXX. Please leave a message because we have been screening calls. 

Just an XXXX, my husband is looking for work and selling crafts. 

THANKS FOR YOUR HELP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation