My name is XXXX XXXX, and my Spouse is XXXX XXXX, who is not on the Mortgage, but is a contributor to our living expenses. We were both forced into retirement because of XXXX condition, and would have applied for a Reverse Mortgage, however, we are upside down on the Mortgage. 
We applied for a XXXX Modification with our Lender, Ditech and we were told in a letter dated XXXX XXXX, 2015, that we are making too much money and there are no hardship, simply because we have been using our savings to remain current. DITECH use a technique, to 'GROSS UP '' our Social Security Income of {$1600.00} to {$2000.00} making us unqualified. 
We we questioned this technique, they said in another letter, that XXXX XXXX is the owner and because we are in a Loan Modification, XXXX XXXX will not honor another Loan Modification. 
We obtained our Loan from XXXX Bank, a predatory lender in a XXXX package using the Second Mortgage as a down payment and a 5 year Hybrid Adjustable Mortgage, and a search of our records does not show that the Loan was transferred to Ditech according to the Respa Laws of Florida. 
We have requested that Ditech produced records of the Loan Modification that they are saying we have, also produce the Transfer Assignment of the Loan to Ditech. To date we have not received any response. 
We have also contacted XXXX XXXX to produce the record of a Loan Modification, and have not heard anything as of this complaint. 
