Consumer complaint received 2019-03-04
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortage started on or about XX/XX/XXXX ; I started to fall behind on my mortage. But never stopped making payments. Some payments were full payments, others were partial payments and some were a lil more than just regular payment. When my account became defaulted was because of medical issues. And in results of that financial situation started to impact my mortage and other bills. When that happened I wrote a letter explaining my situation. Which was apparently ok as long as I kept making payments. And keep mortage less than 120 days past due. I have trying to keep up with payments to come current with account. 
On or around XXXX I spoke XX/XX/XXXX I spoke to a Rep. at Ditech and explained that my Hardship was over, explained that I had made arrangements to make my home a priority. In my explanation I stated that I retuned a vehicle I was paying for and some furniture that I was also paying. That my husband had started to work, and that at no time my intention was to loose my home. That I am doing my very best to come current. And again explained that was not going to happen over night. 
On or about XX/XX/XXXX I get a letter from an attorney representing Ditech. Letter in which says all past due must be paid in full. I had a 2 month payment to send. Called Dietch and said they could not take partial payment and that the full amount had to be paid in full. 
I have been working really hard to keep my home. And just out of no where I get this letter stating all past due must be paid in full. 
I am aware my account is defaulted. But honestly have my doubts on amount. Because I had been making payments. Whether they were partial payments or full payments. And had explained to them my situation. I just want a fair negotiation towards my home. I do not want to loose my home. 
On XX/XX/XXXX spoke with XXXX from Ditech again explained that my hardship was due to illnes, something no one wants to go through. But that was over offered to send my payment, and that I was ready to stay focused on my home as a prioty. Did explain that my intentions was not to get into more debt owing more than what I can pay. Also explained I was only focused in my home as prioty. XXXX mentioned that with a lum sum of past due maybe an arragment could be made if it satisfies all parties. 
On or about XX/XX/XXXX I received a call from XXXX XXXX asking what were my intentions with home. Once again I told them that at no time do I want to loose my home. I did tell him I had some of that past due amount, but that I was short by about 2,000. Something to which he replied ; come on can you borrow that money and send your payment and just get it over with. 
I said I do not want to get my self in debt stressing myself with another payment. I am working with what I have. I said I know you want your money and I want to keep my home. Mentioned to XXXX what XXXX had mentioned about maybe a lum sum of past due and agreed by all parties an arragment can be made. XXXX replied : dont know why she even said that, there is no way possible. He mentioned I suggest you come up with the money and get it over with.

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