Consumer complaint received 2015-12-09
Company: Ditech Financial LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A T T E N T I O N!!! SHERIFF SALE XXXX at XXXX. 
I am writing you to explain what happened with a streamline modification that my lender says he never got. In XXXX XXXX I was given a loan mod after paying a 3 mo. Trial period. I received the new loan and sent it back to the lender in the envelope provided by the lender ( XXXX overnight envelope ). We were NOT instructed to track the envelope or anything, just sign the loan mod and send check for the first payment in provided envelope. 
This was for XXXX XXXX th deadline to send, I sent it on XXXX XXXX XXXX, a Saturday. I heard nothing from my lender ... .no letter saying they got the package. This was supposed to be mailed within 5 days of lender receiving the package. Without hearing anything, we sent the next payment on XXXX XXXX XXXX. 
I thought all was fine, and then the XXXX check shows up in the mail un cashed. I imediately called my Rep at green tree lending ... XXXX XXXX And left a message for him to call me. He never called. I waited till XXXX XXXX and was ready to pay the monthly payment but decided to call again. I did NOT talk to XXXX XXXX But someone else told me that they did not receive the documents and that I was in default again. After being told to write a letter of appeal explaining my situation I was told to " Re-Make '' any payments I was supposedly late on. My letter was denied and I was told by letter that if I could prove I sent it, they would honor it. They kept my check for ALL months I was supposedly late on, and then sent my check back to me un cashed, not deposited into a suspension fund, just back to me un cashed in XXXX of XXXX. I still have all the checks and letters sent to me. So after dealing with another sheriff sale, I had to hire a professional loan negotiator to start working on this problem. I was, after several months of sending documents, XXXX XXXX XXXX reports, and pay stubs and past taxes I was given a loan mod that doubled what the streamline loan XXXX. was. Fearing of no other recourse, and after being told that this was the last time they would do this, we had to sign the new agreement even tho we were going to pay twice the monthly amount. I am a seasonal company owner that does not work in the winter months, so I have to save money for winter bills. I planed my winter for the streamline payment of {$650.00} but after the lender changed the new Mod Loan to {$1200.00}, I was never able to catch up on the arrears I 'm facing now. In all seriousness, I am scared to death of dealing with the lender at the collection level, I do n't trust anything they say, and I certainly believe i was a victim of discrimination and predatory lending practices. As I stated in the letter head A T T E N T I O N!!! S H E R I F F S A L E O XXXX XXXX at XXXX. Is there anyway to stop the sheriff sale to continue negotiations with lender or do I need to file a lawsuit against the lender. Please help if you can Thankyou. 

Again, Sheriff sale is this Friday the XXXX at XXXX am ... .... Please help if you can, we do not want to lose the house, we just want the contract we signed and mailed in XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation