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  1. #1
    Join Date
    Apr 2007
    Posts
    6

    Litton Loan Did What?

    I am going to begin by saying this, I am not going to be gramtically correct, nor my sentence structure may be correct....
    I am just an average person...like the next Joe


    I have been woking with homeowners for quite a while, and it seems that where ever i turn people always complain about their mortgage companies. People complaint about how Litton charged them this, that, report them late here and there..and even harrassed them with phone calls! People have gone on these forums to say, "Litton just increased my payments by $600...", or "Litton charged me thousands of dollars in prepayment fees...". A company follows policies, rules, procedures and most important of all, the law. Those companies that do not, go under.

    I have dealt with people that say " I AM NEVER LATE". Just because you say that...doesnt mean your right, nor does it give you magical powers and abilities. For all a company knows, is that you are a liar. (yes i typed it).

    Here's an idea, before you star to complain about a prepayment penalty, why dont you look for a piece of paper that you signed? Its called the " Prepayment Penalty Rider" . If you are going to hire and attorney because your "payments increased for no reason"..why dont you try to look for the piece of paper thats titled "ADJUSTABLE RATE NOTE" that you also signed.

    If you are being charged for Lender Placed Insurance, when you shouldnt...why dont you send the mortgage company your current homeowners policy?


    I have come to believe that when a person is trying to obtain a mortgage...
    they should take a test before they are approved...

    try it out..you may be surprised

    1. Will your interest rate be fixed for the life of the loan, or for the first 2-3 years only?

    2. What is your interest rate?

    3. Did you sign loan documents stating that you have a 2nd lien on the house?

    4. Did you know that all loans have a prepayment penalty...whats yours?

    5. Are you a respopnsible person that can handle a loan?

    I am aware that people want to go as far and get a lawyer...
    which is fine...lawyers always want to make moeny, even if its off you...
    i would advise you to read your loan documents up and down...and know what you got yourself into, before start up accusations, and make others peoples lives miserable, just because you didnt read.

    If you feel that you have been insulted, disrespected, or whatever you felt..feel free to message me...lets see whos wrong...The "person that works with loans all day"..or "the person that didnt read what the signed"?
    Last edited by uninformed; 04-14-2007 at 06:31 AM. Reason: too specific

  2. #2
    Join Date
    Apr 2007
    Posts
    6

    Re: Litton Loan Did What?

    any thoughts?

  3. #3
    Join Date
    Apr 2007
    Posts
    6

    Re: Litton Loan Did What?

    ohh yeah..i was just thinking...
    for all you lawyers that are trying to dig up dirt on the company...you can read this information all you want...

    just goes to show, that you have nothing...and your in desperate need for any dirt....

  4. #4
    Join Date
    May 2005
    Location
    West of the Pecos
    Posts
    121

    Re: Litton Loan Did What?

    Quote Originally Posted by uninformed
    I am going to begin by saying this, I am not going to be gramtically correct, nor my sentence structure may be correct....
    I am just an average person...like the next Joe
    No, you're not uninformed, you're simply a plant for Litton's PR machine.

    Quote Originally Posted by uninformed
    I have been woking with homeowners for quite a while, and it seems that where ever i turn people always complain about their mortgage companies. People complaint about how Litton charged them this, that, report them late here and there..and even harrassed them with phone calls! People have gone on these forums to say, "Litton just increased my payments by $600...", or "Litton charged me thousands of dollars in prepayment fees...". A company follows policies, rules, procedures and most important of all, the law. Those companies that do not, go under.
    Utter nonsense. Litton has a miserable track record in following the law. The only reason they're still in business is the majority of their victims don't have the resources to fight them in court.

    Quote Originally Posted by uninformed
    I have dealt with people that say " I AM NEVER LATE". Just because you say that...doesnt mean your right, nor does it give you magical powers and abilities. For all a company knows, is that you are a liar. (yes i typed it).
    As you are.

    Quote Originally Posted by uninformed
    Here's an idea, before you star to complain about a prepayment penalty, why dont you look for a piece of paper that you signed? Its called the " Prepayment Penalty Rider" . If you are going to hire and attorney because your "payments increased for no reason"..why dont you try to look for the piece of paper thats titled "ADJUSTABLE RATE NOTE" that you also signed.
    Because in the many of cases where Litton has ripped people off, it wasn't as simple as an adjustable rate note.

    Quote Originally Posted by uninformed
    If you are being charged for Lender Placed Insurance, when you shouldnt...why dont you send the mortgage company your current homeowners policy?
    Because servicers like Litton will ignore them as long as they possibly can. The profit margins and commissions on those policies are just too much to pass up.

    Quote Originally Posted by uninformed
    I have come to believe that when a person is trying to obtain a mortgage...
    they should take a test before they are approved...

    try it out..you may be surprised

    1. Will your interest rate be fixed for the life of the loan, or for the first 2-3 years only?

    2. What is your interest rate?

    3. Did you sign loan documents stating that you have a 2nd lien on the house?

    4. Did you know that all loans have a prepayment penalty...whats yours?

    5. Are you a respopnsible person that can handle a loan?

    I am aware that people want to go as far and get a lawyer...
    which is fine...lawyers always want to make moeny, even if its off you...
    i would advise you to read your loan documents up and down...and know what you got yourself into, before start up accusations, and make others peoples lives miserable, just because you didnt read.
    And you should add that if you sign a loan that can wind up in the hands of a Litton-style servicer, you better have enough money put away to pay an attorney WHEN (not if) they start trying to screw you.

    Quote Originally Posted by uninformed
    If you feel that you have been insulted, disrespected, or whatever you felt..feel free to message me...lets see whos wrong...The "person that works with loans all day"..or "the person that didnt read what the signed"?
    If only it were that simple. You 'work with loans all day' and simply refuse to admit the companies like Litton can and will take advantage of every situation they can.

    The Honorable Judge Roy Bean
    http://www.loansharks.blogspot.com

  5. #5
    Join Date
    Jan 2007
    Location
    Stow, OH SOL III
    Posts
    3,235

    Re: Litton Loan Did What?

    BBB Report.
    Litton Loan Servicing, LP
    4828 Loop Central Drive
    Houston, TX 77081-2226

    The BBB reports on members and non-members. If a company is a member of the BBB, it is stated in this report.

    Original Business Start Date: 07/01/88
    Principal: Larry Litton, President
    Phone Number: 800-247-9727
    Email Address: dlerma @ litton.c-bass.com (edited, remove spaces)
    Web Site Address: www.littonloan.com
    Membership Status: This company is not a BBB member
    Type of Business: Mortgage Brokers
    Based on BBB files, this company has an unsatisfactory record with the Bureau due to unanswered complaint(s). This company currently has 22 pending cases. Please check back with us in 30 days to find out the outcome of these cases.
    The Bureau processed a total of 379 complaints about this company in the last 36 months, our standard reporting period. Of the total 379 complaints in the last 36 months, 128 of those were closed in the last 12 months.

    Complaints Concerned
    Advertising Issues: 1
    Outcome of the complaint -
    Resolved: 1; |[1 - Company resolved the complaint
    issues. The consumer acknowledged acceptance to the BBB.]|

    Sales Practice Issues: 4
    Outcome of all complaints -
    Resolved: 4

    Delivery Issues: 6
    Outcome of all complaints -
    Resolved: 6; |[1 - Company offered a partial (less than
    100%) settlement which the consumer failed to acknowledge
    acceptance to the BBB.]|

    Service Issues: 65
    Outcome of all complaints -
    Resolved: 49; Unresolved: 11; |[1 - Company failed to
    resolve the complaint issues through the BBB voluntary and
    self-regulatory process.]| Administratively Closed: 5; |[1 - BBB determined the company made a reasonable offer to resolve the issues, but the consumer did not accept the offer.]|

    Customer Service Issues: 8
    Outcome of all complaints -
    Resolved: 6; Unresolved: 2; |[1 - Company failed to
    meet the settlement terms of informal dispute settlement
    hearing (IDS). ]|

    Guarantees or Warranty Issues: 1
    Outcome of the complaint -
    Resolved: 1

    Refund or Exchange Issues: 25
    Outcome of all complaints -
    Resolved: 19; Unresolved: 5; |[1 - Company failed to
    resolve the complaint issues through the BBB voluntary and
    self-regulatory process.]| Administratively Closed: 1; |[1 - Company agreed to informal dispute settlement hearing (IDS) in accordance with their BBB agreement, but the consumer declined.]|

    Contract Issues: 17
    Outcome of all complaints -
    Resolved: 10; |[1 - Company resolved the complaint
    issues. The consumer acknowledged acceptance to the BBB.]|
    Unresolved: 5; |[1 - Company failed to resolve the complaint issues through the BBB voluntary and self-regulatory process.]| |[1 - Company failed to meet the settlement terms of informal dispute settlement hearing (IDS). ]| Administratively Closed: 2

    Billing or Collection Issues: 252
    Outcome of all complaints -
    Resolved: 189; |[1 - Company resolved the complaint
    issues. The consumer acknowledged acceptance to the BBB.]| |[1
    - Complaint was settled through BBB mediation.]| |[1 - Company offered a partial (less than 100%) settlement which the consumer failed to acknowledge acceptance to the BBB.]| |[1 - Company resolved the compalint issues, but not within the Bureau's timeframe. The Complainant did not acknowledged acceptance to the BBB.]| Unresolved: 54; |[1 - Company failed to resolve the complaint issues through the BBB voluntary and self-regulatory process.]| |[1 - Company failed to meet the settlement terms of informal dispute settlement hearing (IDS). ]| Administratively Closed: 8; No Response: 1
    This business also uses the following names, addresses and/or telephone numbers:

    Litton Loan Servicing, LP
    For Loan Payments: PO Box 4528 (800) 247-9727
    Houston, TX 77210-4528

    Litton Loan Servicing, LP
    For Insurance Documents: PO Box 4354 (800) 247-9727
    Houston, TX 77210-4354

    Litton Loan Servicing, LP
    PP Box 4387 (800) 247-9727
    Houston, TX 77210

    Litton Loan Servicing, LP
    PO Box 570848 (800) 247-9727
    Houston, TX 77257-0848

    Litton Loan Servicing, LP
    4828 Loop Central Dr (800) 247-9727
    Houston , TX 77081-2226

    Litton Loan Servicing, LP
    4828 Loop Servicing Drive (800) 247-9727
    Houston, TX 77081

    (713) 966-8844

    (800) 548-8665

    (800) 999-8501

    (713) 966-8802

    (180) 088-8964

    (713) 218-4592

    This is not necessarily a complete list.
    A big thanks to 'uninformed' for bringing this matter to my attention. I now consider myself informed. :)
    Based on BBB files, this company has an unsatisfactory record with the Bureau due to unanswered complaint(s). This company currently has 22 pending cases. Please check back with us in 30 days to find out the outcome of these cases.
    Ignorance more frequently begets confidence than does knowledge: it is those who know little, and not those who know much, who so positively assert that this or that problem will never be solved by science. -C. Darwin

  6. #6
    Join Date
    Jan 2007
    Location
    Stow, OH SOL III
    Posts
    3,235

    Re: Litton Loan Did What?

    Oh dear, looks like Litton has been pretty busy in the courts all by itself. I did a search on
    PACER, the Federal Courts Case database, and got the following result;
    25242 Party matches for selection LITTON LOAN SERVICING for ALL COURTS
    Search aborted. Too many records found.
    Please be more specific in your search criteria.
    Wed Jun 13 11:18:24 2007
    Only been in business for 19 years according to the BBB. Yet they have had an avg. 3.6 cases a day (that includes weekends and holiday's). Likely more since the database aborted the search. Mostly Ch. 7 and 13 of course, makes sense, they are mortgage brokers.

    Why would they even be concerned about the 22 cases presently filed against them? :confused: Unless something is afoot. :)
    Last edited by nomaxim; 06-13-2007 at 09:51 PM.
    Ignorance more frequently begets confidence than does knowledge: it is those who know little, and not those who know much, who so positively assert that this or that problem will never be solved by science. -C. Darwin

  7. #7
    Join Date
    Apr 2007
    Posts
    6

    Re: Litton Loan Did What?

    of course....im not going to say the information above is inaccurate.....it may be true..that Litton has a lot of cases pending...
    but we seem to miss the point...Litton services high-risk loans....
    im not a loan genius...and im not sure how a loan is labeled "high-risk", but common sence tells me, its a loan, where the borrower may not make payments, and fall in to deliquency, quicker then your average loan will....

    With that being said...and with what i intially mentioned at the beginning of this thread...most people are not well informed of what they are getting into...now...mix in a little "sue happy" ingredient....you will have a lot of "uninformed, angry plaintiffs"...just because someone is being sued...does not mean they are right...

    like the other day i heard a man sued this dry cleaning place for losing his pants...

    Please....sorry to say..a lot of Americans, are not reasonable...so when you have loser lawyers wanting to make money...they can make this "uninfomed, angry plaintiff" filled with false hope of actually winning the case...
    This is done, the same way...judge..that you presented the information earlier...

  8. #8
    Join Date
    Jul 2007
    Posts
    3

    Re: Litton Loan Did What?

    I'm all for the arguement, "ya gotta' pay your bills..." no doubt. But not everyone that is being servcied by Litton are just a bunch of whiners looking for excuses, uninformed. Blaming the borrower who was "too stupid" to know what he/she got into is the exact reason Litton can get away with what they do. Most folks that are serviced by Litton, didn't choose Litton... Litton chose them because of the poor state of the loan and the chance of making tons of interest money off of loans going to, or nearly in, foreclosure. In my book, that is predatory.

    Openly presenting themselves to policy makers and company investors as being "caring to the borrowers in helping them avoid foreclosure"... (paraphrased from Larry Litton, Jrs own words in Washington DC) is their PR dog and pony. The hypocrisy is what is most criminal. I would love to be a fly on the wall at a Litton training session for new employees. IS there one? All I know is, given the posts I've read on various sites, those people in the foeclosure department sure get a lot of vacation time....( that must be a standard excuse when someone is complaining of no call backs...)


    There are all kinds of contracts and agreements involved in business... lending...life. If Litton can hold a borrower to a contract they signed, why can't the borrower hold Litton responsibile for following the regulations they are bound by state and federal law to follow? Most of the complaints I read are from people that are just tired of having to watchdog the company servicing their loan, making sure they are ethically, legally and expediantly doing the job they claim to be in the business of doing as a loan "servicer." Personally, I think Litton Foreclosure, LLC is a better name. In fairness, they are serving the banks that fund these loans.

    Let me ask you, if a company wants to answer your questions as a borrower, why would it take over 5 weeks of calls to them, with no response? Why is that ONLY until the banking commission gets involved, do they bother to respond ?
    Last edited by imapeach; 07-27-2007 at 10:40 AM.

  9. #9
    Join Date
    Apr 2007
    Posts
    6

    Re: Litton Loan Did What?

    Im agree with the statement, that people are tired of having a watchdog over them...but when you are classified as a "high-risk"..what do you expect?

    usually if you are a "high-risk", its because you may have a reputation of not paying your debt on time...a lender is not going to lend someone money, that may not pay them back fully, and just sit back and pretend that everything will be ok...

    Lenders want a company that will take the initiative and actually collect the money and/or help prevent a large loss....

    Think about it, if a home/loan is lost to foreclosure...chances are, once all is said and done, the lender will lose a lot of money, due to attorney fees, paperwork, and time...

    The lenders goal is to lend money and make a profit, not lend it, and end up losing thousands of dollars and time...

    Litton Loan has a reputation, of doing the "dirty" work, of actually getting on peoples back, to make sure they pay up...or if theres a problem, try and find the solution...

    Do you really think that a foreclosure agents WANTS a loan to go into foreclosure? Wheres the money making strategy in that? I am aware that foreclosure agents are assigned hundreds of loans all the time. So maybe they tried calling, and if no one answered, they juist moved on to the next case...
    An agent is not just going to sit by the phone and wait for you to call...they call people and do a lot of work, to help as many people that they can...

    of course we are all humans (but some of you customers arent), and we all need time to get away from a stressfull work day and just relax...sorry if that was an inconvinience to you...

    Theres this one time...during the X-mas holidays, when this person called in and said "Well, i didnt take a vacation, so i dont think no one in your company should. You all should be there everyday, so you can help me"...lol
    Thats plain dumb...were not robots...so please excuse all those people that take 2 weeks off (out of a 52 week year) to spend time with family

  10. #10
    Join Date
    Jul 2007
    Posts
    3

    Re: Litton Loan Did What?

    No, I don't begrudge vacations. But put yourself in the place of a person in foreclosure, assigned to a foreclosure "specialist" who takes vacation the month your home is ticking down to foreclosure and you need information only he/she can provide. Just put the file on someone else's desk. I have been a manager.I was a manager for a large communications company for eight years, and leaving open files with no one to handle them during an absence just isn't good business. I was doubting that all these folks were actually on vacation. I think you missed my sarcasm...

    Uninformed, you misunderstood me concerning the watchdoggin as well. I meant the borrower has to constantly look at what Litton has done with the management of their loan. ... Are you saying that loan servicing companies don't have to keep up with high risk borrowers payments, or manage their account correctly simply because they are high risk and don’t deserve the information? Surely not. Litton has a history of not corresponding to complaints or answering legitimate questions from borrowers. I respect what you are saying. I wish I could say I think Litton's philosophy of business to NOT foreclose is that simple.

    Once the loan goes into foreclosure, I do not think Litton's policy is to try to "counsel" the borrower on options in a timely manner, as they project publicly when it is in their favor to do so. Foreclosures and the selling of homes for profit is often where a larger return for the investor (bank) comes into play. Recovery (including high interest tacked on to a payoff balance on a sub prime loan) is only part of the profit. Especially if the numbers work well for them as to the value and location of the property and what’s left on the principle, big money comes in the profits associated with homes that can be bought by the bank, re-sold after auction, and judgments for the difference after auction can be collected from previous homeowner who went into default. Plus, the borrower in default pays the sales tax on the price at auction. Yes, I DO think some foreclosures are a golden egg for the companies and they WANT them to go into foreclosure. They can feasibly make double or more on the arreages and interest recovery. Depending on how you look at, that is smart business. It's the nature of what they do...so be it. That's what they are in the business of doing and I acknowledge that. If you can't pay what they say you owe, then you have to take your medicine and deal with the choices you made and the cards fate dealt you as a borrower. Educating yourself and being smarter on how the business works is part of a borrowers responsibility.

    However, let me give you one authientic example to prove my point. This is a true scenario: Suppose a borrower, who qualifies (due to higher credit rating after a period of financial repair, higher income and high appraisal of their home) has 100% financing from a new lender, is in the financial position to pay back a debt and Litton won't return phone calls for 5 weeks, asks for huge sums of money upfront that they will not accept in a payoff amount from the lender, WON'T put anything in writing until they recieve interest money directly, won't answer to regulatory agencies ordering information and would appear to be okay with being fined for lack of response, ... well, that speaks volumes. That house means more to the investor and to Litton in foreclosure than it does to have the loan paid off. Period.

    I respect your view... but the smoke and mirrors game this company plays, the stalling, the lack of communication, the lack of putting things in writing, the missing payments on accounts, the inability to account for where payments were applied when the math doesn't add up...all these issues are real and happen over and over again. Ask other lenders who are attempting to refinance people that qualify... most lenders that have ever tried to get a payoff balance from Litton can't and often have to force Litton through credit reporting agencies, to give a payoff. They don't want to let go of mortgages cause they can't make money off them anymore if they are refinanced out from under Litton. Okay, that's my assumption, but it sure seems logical to me.

    Just do business upfront. Period. Follow the regulations that are set up for your industry. Even prisoners have rights… Litton is sort of the equivalent to a debtors prison. Even people with financial trouble deserve answers to their questions and for their account to be managed correctly. If people who have the means and are willing to pay them still can't get answers, god help the folks that are just trying to save the roof over their heads due to disaster, illness, military service or job loss.

    If a company has nothing to hide, or doesn't have an alternative agenda, then respond to legitimate questions and give borrowers, even the high risk ones, the information they deserve.
    Last edited by imapeach; 07-29-2007 at 02:20 AM. Reason: addition

  11. #11
    Join Date
    Jul 2007
    Posts
    3

    Re: Litton Loan Did What?

    UPDATE on the above example: The couple who couldn't get Litton to work with the new lender had to file bankruptcy to save their home, two days before it was to be auctioned. At least they, and their four children, still have a home the week the oldest three start to school. Luckily, the dad makes excellent money and they have no credit debt. A bankruptcy...all because Litton Loan wanted their highly appraised home to make more money off a sale.

    They plan to continue their efforts to find out what happened to 2 payments that dissappeared from Litton's records and work through all agencies to get answers as to where their payments are being applied. They will, in the meantime, continue to pay Litton a monthly mortgage payment and pay down fees through the 13 that Litton would not work into a refinance... So, Litton still wins.

  12. #12

    Re: Litton Loan Did What?

    To UNINFORMED. You are a full blown idiot. Your spelling shows how uneducated you truely are. Let me tell you something, ignorant one. I never in my life signed a contract with Litton Loans. I purchased my home valued at $1,400,000.00 at 100%LTV. I'll help you out moron, that is loan to value to you. I paid absolutely no out of pocket expenses because my credit and bank accounts could support it. I have a blemish free credit report, low life. I have never ever been late on a house payment, car payment, or any payment period. Well, Litton Loans took it upon themselves to foreclose on my home. Legal loan worker, I think not. I owed $680,000.00 when Litton Loans forclosed on my house. Still with me? I assume with the way you spell, you have difficulty reading as well! I bought my house back from Litton Loans for $900,000.00. Since you can't spell, you more than likely cannot add either, so let me help you out. That is $220,000.00 more than I owed for the house you baffoon. Thats right bright one, I had to pay $220,000.00 more than I owed on the house to buy it back. Why do I get the impression that you work for Litton Loans? Your comment sounds like something ignorant enough to come straight out of the mouth of a Litton Loan flunky.

  13. #13

    Re: Litton Loan Did What?

    Another point of fact to the "uninformed" Litton Loan flunky. About the "loser" attorneys fighting for the rights of individuals against such a blood sucking company as Litton Loans. Let me fill you in, then perhaps you can one day grow up and get a real job, besides being a Litton Loan Loser. You most certainly can win against Litton Loans and/or any other illegally run and operated mortgage company. When Litton Loans STOLE my house out from underneath me, know it all, I all by myself filed an answer to the forcible entry and detainer. I am not an attorney nor do I have a legal background. I am a journalist/author (published), and yet I filed my own answer with the court. The attorney representing the Litton Loan Loser Group was stunned. Not only did I file my own answer, the Judge threw out the eviction all together. The attorney for the Loser Group called me the following morning and informed me that he had never been stopped dead in his tracks in the 23 years he has been representing mortgage companies. He then informed me that he would assist me in purchasing my home back from the Litton Loan Loser Group, as he himself did not want to go against me in court. So to all of the attorney's reading this, keep up the great work. As a whole, we will bring the Litton Loan Loser Club to their knees. So to you UNINFORMED, kiss my ass.

  14. #14

    Re: Litton: ABC News looking for your story

    ABC News wants to hear your story!

    ABC News just posted a story online June 4th titled \"Desperately Seeking Mortgage Help\" written by: SCOTT MAYEROWITZ, ABC NEWS Business Unit.

    Try this link and post your story. If ABC News recieves enough complaints, I am sure they will produce a story about Litton. This maybe the opportunity you are looking for. TAKE ACTION NOW! This has to stop and it starts with you!

    Desperately Seeking Mortgage Help
    http://abcnews.go.com/Business/Economy/story?id=7748793&page=1

    After you read the story, go to the bottom of the artical, there is a link where you can submit your story.

    The link is titled: Are You Looking to Buy a Home or Worried About Losing Your Home? Share Your Story With ABC News

  15. #15
    Join Date
    Jan 2007
    Location
    Stow, OH SOL III
    Posts
    3,235

    Re: Litton Loan Did What?

    Wow, this is a old thread. Forgot all about it.

    Updated BBB Report,
    BBB Rating
    Based on BBB files, this business has a BBB Rating of F.

    Reasons for this F rating include:

    * Number of complaints filed against business
    * Failure to respond to complaints filed against business
    * Number of complaints filed against business that were not resolved
    * Overall complaint history with BBB

    This company currently has 10 pending cases. Please check back with us in 30 days to find out the outcome of these cases.

    Consumers may contact the company directly with any pending issues they may have. They are asked to contact the Executive Resolution Department at 713-960-9676 extension 7770.

    BBB processed a total of 525 complaint(s) about this business in the last 36 months, our standard reporting period. Of the total 525 complaint(s) closed in the last 36 months, 241 were closed in the last 12 months.
    Ignorance more frequently begets confidence than does knowledge: it is those who know little, and not those who know much, who so positively assert that this or that problem will never be solved by science. -C. Darwin

  16. #16

    Re: Litton Loan Did What?

    Hi I guess you have never had hard times and lost your home to a bad lender.

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