Ocwen Finance unjustified interest rate increase, unwilling to work with us in time of need Orlando Florida

We had our mortgage sold to Ocwen by another company and as soon as Ocwen took over we had problems with proof of insurance and property taxes, after a few months the interest rates started going up every 6 months like clockwork by on whole percentage point every 6 months; till we ended up at 10.25% interest.We contacted Ocwen about this because our credit rating was fairly good and there was no reason to raise our rate other than greed, we were told at the time that they had the right to raise the rate all the way to 13%; at that time I asked if I should be contacting my congressman about this and was told there was nothing illegal being done, however 2 weeks later we got a letter that the rate was being dropped by 1 percent, down to 9.25%.We made all of our payments on time, and when the company I work for went on strike I tried to get Ocwen to defer the mortgage to help us out, and was told they do not do that; that they were a debt collection agency and not a mortgage company. They then gave me the run around when the payment was not made, telling me they were willing to help, but every route we went ended up in a dead end or Ocwen stating that they had not received the financial information that we sent to them.We are now 6 months late on our mortgage, and now I am going back to work with a rather large payment of over $3000.00 due.
Brianwarren, OhioU.S.A.

From: http://www.ripoffreport.com/reports/0/406/RipOff0406662.htm

Ocwen charging me late charges of $1520.25 and I have never been late and I have copies of my payments

ocwen has been sending me statements in the mail saying that i have current late charges of over a year old. i was never late and i told them this. now i receive an letter for them saying to aviod possible negative consequences of unpaid past due amounts on your mortgage loan without having to increase your payments.
they want me to sign this notice saying that they can add this amount to my mortgage or this may result in foreclosure. i will not sign this notice because i donot owe ocwen late charges.
this company should have never been in this business, they are only trying to ripoff as many people as they can, before they are closed down.
any type of suites filed against them i am with you all the way. someone has to stop them from ripping honest people off.
i am so thankful that i am one of those people that makes copies of everything.
my sugguestion to all the readers is to always check into any company you deal with(sometimes things may seem good at first but there may be a trick down the line).
Never late
Richton Park, IllinoisU.S.A.

Ocwen Loan Servicing, LLC Ocwen not disclosing where our payments are going, always being told we are 'late' with added fees!

We also refinanced our home with Aegis Mortgage and went through a hardship which caused us to be late on our mortgage. Ocwen began calling and said they were a collection agency for Aegis and we needed to work with them. However, when I called Aegis, they stated they had no knowledge of Ocwen.Soon, we started receiving information that Ocwen was our new mortgage holder. We made a move across the country and have this mortgage in MI and a rental payment at our new home. We fell behind and they started foreclosure. We could not reach any human, and would wait up to 2 hours to be placed with a person who told us he was working in India. After continued calls, we finally reached an American named Kimberly.Kimberly worked with us to set up a restorative program, asked us when our paychecks came in, and then requested several thousand dollars the day BEFORE our paydate! We borrowed from a friend and then sent in the money.Our problems now come from the following:1. We received a notice we'd be getting back $1100 in an escrow overage. When the money was never received, and I called, we were then told an analysis of our account was $7000 NEGATIVE and they were raising our payment from $870 to $1100.2. Our payments, made through Money Gram, never are enough and there are charges and fees that appear on our statement that we cannot get an explanation for and appear to keep mounting.3. We were told by one rep that if they determine we send 'extra money' it is not applied to fees, or charges, but they keep it in a suspension account! There was over $700 in this 'account' by this person's estimate. A later phone call gave us a rep who denied any suspension account exists.4. Now, without explanation, our payment is now listed at $1200 per month!How does one get this type of problem resolved? Who can help?
Nora Lansing, Michigan U.S.A.

From: http://www.ripoffreport.com/reports/0/401/RipOff0401316.htm

Ocwen - REO Properties Stole our family home twice Nationwide

I can't help it anymore I have to vent. We have been dealing with this company since 2000 when we bought our home. Our loan was sold to Ocwen and after the first time we were lucky enough to refinance away from them, but unlucky us our refinanced loan was bought again by them several months later. We finally were doing well with our own business and then got ripped off by a family member we were partners with and lost everything. Ocwen made every attempt to take our house including during the bankruptcy we had to file although they were well aware of the situation. Then an attorney for REO Properties/Ocwen got involved (the law offices of les zieve) and they came after us hard even during bankruptcy. They attempted to keep our attorney hopping by filing various paperwork via the courts monthly. The kicker is Ocwen/REO sold our house TWICE within 5 months of each other all of this while they faxed us a loan modification form and accepted monthly payments through both sales. The attorney representing them Lisa cussed me out for questioning this action. Even after the sales they were sending us statements asking us to send payment. WOW. We currently were served with an unlawful detainer by the offices of les zieve although an attorney which we have passed on to our attorney. Our attorney is utterly amazed at what is going on. The kicker...Ocwen has a second attorneys office that is negotiating a remodification with our attorney. They do not know who is in charge at these offices, nor do they care. They put all their mistakes in writing and have no qualms about attempting to kick you out of your home right or wrong. Two days prior to thanksgiving they gave us a copy of the unlawful detainer in front of the kids (the server for process was a jerk). Anyway, we have joined a class action lawsuit against them and I am preparing to send all of this information to the Fair Housing offices and any other congressman or representative that will listen in the states of California and Florida. This company is scary and the information that I have provided is not a joke. I feel as if I am going to have a heart attack at any time. They don't care who they prey on and don't care who they hurt. People fall on hard times as we all can tell in this economy. Can't the government bail regular people out of dealing with OCWEN?
Ornelas family Lompoc, California U.S.A.

From: http://www.ripoffreport.com/reports/0/400/RipOff0400808.htm

OCWEN LOAN SERVICING, LLC ANYONE FOR A CLASS ACTION SUIT AGAINST OCWEN LOAN SERVICING, LLC ORLANDO Florida

After reading many of the reports filed on this site, it has come to my attention that it is time the home owners should file a class action suit against this company. I too have had the same problems as many of you that have already reported. We were given to Ocwen when Aegis Mortgage Company filed Bankruptcy. We were on a forebearance program and then in November were sent a letter to bring the account current, that we would longer be on the forebearance program. The first certified letter came November 16 with a demand payment by December 16. Then we get a second certified letter dated November 19 with a demand payment for 1/2 the payment of the November 16 letter to be made by December 16. Then we get a third certified Demand letter December 17 demanding payment by January 17 with the same amount of money due (adding $5.21 more to the payment) that was due in the November Letter. We are current with our payments. We have proof of this. So what they are trying to pull, just does not make sense and to reach them by phone is a nightmare. To email them, you are really lucky if you get a reply of which they claim they will replay to you within 15 days. Whoop tee doo!! According to the Govenment Pamphlet on Fair Credit Practices, Section 805, clearly states that frequent calling (of which no one is on the other line either) is a form of Harrassment and is illegal. Well, with reading all the reports that have been given on this web site, maybe it is time that a class action lawsuit be filed to wake the company up. Oh, by the way, when they outsource to third world companies, and then ask for my social security number, are they crazy!!!! There is no way in 'Gods Green Earth' I am going to give anyone outside the United States my Social Security Number. I contacted my attorney and she said we have a great case. Maybe someone should put their money where their mouths are and prove to others that they honor what they say on their Web site. Do I have any takers. If you are interested in going with me in a class action law suit, please contact me through this web site and I will find a way that we can all communicate to get one started. I will watch this site daily to see how many people are really serious about starting the procedure. Without you there will be no releif for so many of us and more in the future.
Carl Sacramento, CaliforniaU.S.A.

From: http://www.ripoffreport.com/reports/0/295/RipOff0295279.htm

FEDMOD.COM - FLM - Federal Loan Modification Been ignored by your mortgage company (OCWEN) try hiring a lawyer for real abuse Los Angeles California

After $1500 and three weeks of being ignored still nothing has happened with our loan modification . In fact this company called me last Tuesday to ask if they could process the remainder of the payment (another $1500) 28oct08 of course I asked what was happening with our modification and no one knew what was happening . I told Daniel Geffen ( the man that told me fed mod was a group of lawyers ) { what he meant to say is they are a group of liars } well they took the money from my bank account after being told the money was not there . I was notified Wednesday by my bank that I was $500 over drawn. I then attempted to contact Fedmod several phone calls and no one returned any calls (all I get is voice mail) I was first told Cindy was my case worker . I found a message on my home phone from Cindy . I tried to call back when I got home ( I guess it was too much trouble to call my cell since I am not home in the daytime ) of course she never returned my call . Now after Daniel processed an unauthorized payment I made several attempts to contact someone at Fedmod I finally got a hold of June. She told me my money would be returned .(June has been the only person at Fedmod to actually return a call). June first put me in touch with Jeff Brotton . He called me on Thursday after I still had not received repayment . He told me that my money would be processed that day and He was going to talk to the mortgage company this afternoon and would be in touch afterwards He even gave me his cell # of course he never called back Friday morning I still had not received the payment reversal . Now I was told by Jeff that my case worker was Taren and was given her number . She has never called me . Now Monday after several calls to Jeff Brotton which were never returned . It has now been a week since the unauthorized withdrawal several phone calls to June finally 3pm my money was returned . Now I still have my mortgage company crawling on my back so what is happening with my case? No one knows ! I have since called the California State Bar (fedmod is supposed to be a group of lawyers) surprise!!! they are not registered with California. But I don't really care and shouldn't matter since my finance company is in Florida. but anyway California State Bar told me to look up fedmod or Federal Loan Modification at the Better Business Bureau …Guess what surprise they have a D rating urging CAUTION when doing business with them. I did a search before I gave them any money …of course they have only been operating for 6 weeks so here I am warning you about them . Oh and why did I hire attorneys to deal with my mortgage company ?? Look up OCWEN….and remember my complaint is not in there since there are so many complaints I figured it would be another waste of time …..no one will read all 1500 complaints (and counting)
Michael Valley Springs, California U.S.A.

From: http://www.ripoffreport.com/reports/0/388/RipOff0388068.htm

Ocwen Loan Servicing Escalated payments, failed to credit payments or credited late, refused payments while in forebearance negotiaions

Ocwen Loan Servicing Escalated payments, failed to credit payments or credited late, refused payments while in forebearance negotiaions, then wants $150,000 extra

Ocwen takes the prize for most dishonorable company, and we want a class action suit against them! Anybody game?We have tried to keep up payments, but with an ARM, this became impossible, as our rate went to 11%. Additionally, there were always late fees, even though we paid on time. Finally my husband filed for bankruptcy, and reached a verbal agreement with Ocwen on what our payment would be.But the very next payment was sent back as not being the correct amount, but no one could tell us what that amount should be. We started the very long process of trying to reach someone on the phone who could tell us, with hold times anywhere from 30 minutes to 2+ hours. Many times we were told someone would call, but when 'they' did, it was a recording. Finally we got to talk to 'Ganesh'.We reached an agreement and were told the papers would be sent in the mail, and not to make a payment until we could send it with the new contract. Many calls later, still no papers, but still told not to pay. Foreclosure papers came. More calls, told not to worry, just a formality, don't pay. Second set of foreclosure papers came. Got an attorney. Almost a year later, got the papers, but amount now owed is about $150,000 more than our original mortgage - all sorts of fees and interest due to not paying for a year. We TRIED to pay all year, but were told not to by Ganesh. Amount is more than we could ever hope to refinance, so no hope of getting away from this crazy company even if we can pay the exorbitant amount they demand. After reading all the rip-off reports on them, I don't trust them anyway.We're serious about the class action suit. I've only hit the highlights of our problems with them.
Meg Burleson, Texas U.S.A.

From: http://www.ripoffreport.com/reports/0/396/RipOff0396544.htm

Ocwen Ocwen reporting late to Credit Bureau so no modification to loan?

Ocwen calls me 15- 20 times a day starting with the day loan payment is due until it is paid. Doesn't matter about the grace period. The fact that they start calling me the first of the month and so many times during the day ticks me off. Now when I call for modification they tell me I can afford the payment every month even thous I have sent them all the info they asked for proving I cannot. They are telling me to let it be late and then they can help me after 3 months. I tell them what will you do to my credit and they say it will have to be reported to the Credit Bureau. Today I find out they have reported me late and I have never been late. I want to refinance but now this fictious late payment is keeping me from being able to refinance and get the hell away from them! I would be more than willing to join a class action lawsuit. Besides I am sick and tired of trying to communicate with people who cannot speak English!!!!
CarlaPeoria, ArizonaU.S.A.

From:http://www.ripoffreport.com/reports/0/394/RipOff0394913.htm

Ocwen Loan Servicing, LLC Ocwen caused our property to go to Sherrif Sale, screwed up our Escrow & should be accountable.

Our problems with Ocwen began as soon as they took over our mortgage from Met West, Inc. We had no problems before then. Met West sent us a letter stating that nothing would change, just the payments would be made to Ocwen, now.Not so. We noticed that with the first payment they received, no escrow amount was taken out. When it happened again the second month, I called and was told that our loan did not have an escrow account...which I was able to disprove with our original loan documents. They ended up changing things..and implemented the escrow again..but right away we were told of the escrow shortages, and how our payments would go up to reflect those shortages. Ok...so now a piece of land that was originally $262 per month (escrow included) was now going up over $100 per month. We dealt with that. For the two years...all seemed fine. Until my husband was reading the newspaper and saw our piece of property up for Sherriff Sale for non payment of taxes. We were floored, because our school and real estate tax bills were sent directly to Ocwen for payment, our mortgage payments were paid, and paid on time...so what reason did they have for not paying? We of course paid the tax bill & further researched to find they hadn't paid the school taxes, either. So now they are supposed to reimburse us for the real estate taxes we paid out of pocket and also have to pay the two years school taxes...and after they did, my mortage went up to almost $500 per month! They said there were again, escrow shortages..and up the payments went again! We can't understand...we are paying, they are putting aside & not paying...so why do we have to again pay MORE?!! Fast forward a few years...and obviously we were having trouble paying a mortage that had doubled from the original loan (not adjustable, fixed 10%)Even when we pay a payment on time, they hold it until they can charge a late fee....We've been threatened with foreclosure when barely two months late, have been forced into a forebearance agreement that is unfair. (They give 10 days from date of letter to contact a lawer, yet you receive said letter 7 days after said date...is 3 days enough to have attorney review?!)As of now, they claim negative escrow balances at the beginning of each year, but take much more than what is needed to pay a $1200 real estate tax bill and a $155 property tax bill. They take $199.44 monthly = $2393.28.What happens to the remaining $1038.28 per year???!!!! I just demanded an escrow history...which of course will cost us more money..and we are having a financial expert look over every piece of paper I have from Met West to Ocwen. The long & short of it...Ocwen is a total Rip-Off..thanks Ripoff Report!
Pocono Saylorsburg, PennsylvaniaU.S.A.
From: http://www.ripoffreport.com/reports/0/393/RipOff0393578.htm

Ocwen Financial Bank Threathening, hang-up argumentative scaring me to a nervous break down Orlando Florida

Just to say that I have been ripped off by this company. In making me think that I have been three to four months paying my Mortgage and them adding on interest after interest on my payments. after turning it into a complete lie that I was only 10 days late for a Mortgage payment
. And having them daying that since I was late 3 to 4 month that they put me into almost fore closesure. I was so up-set that I almost had a nervous break down thinking that I was going to lose my home because of there mistake. I went to the action housing and file a report with them and they said to file a Chapter 13. Which I did. I was on it for 5 years starting 2003 till this year..Now I am off of it. But I still have to go back to this ugly company and pay the rest of the Morgage off and I know t hat they are going to give me trouble. and I don't want to go through that again.They would not give me a chance to pay the payments and that th ety wanted there money right now. They were nasty, threathening me, very aruguementative, would not listen for am explanation. then in the end they just started adding on the interest after interest. Which lead me to Chapter 13. All because of this bad corporation, which needs to be taken down and put away in jail for the all of there corruption. thank you for listening.
JaxsongPittsburgh, Pennsylvania U.S.A.
From: http://www.ripoffreport.com/reports/0/391/RipOff0391393.htm

Ocwen Financial Filed fraudelent credit report stating they forclosed on me and they refuse to fix it. They got paid there money, but won't admit it.

This company bought my son's loan from Ameriquest. I was the co-signer. When Ocwen got it all of a sudden I was the only signer. The property became involved in a legal battle with family and they illegally added their names to the deed. I no longer had legal rights and never got a dime of the piece of property. Wasn't even a mortgage. Ocwen told my son they would wait for the sale to go through, but threatened all the time. The sale went through, I got nothing. Ocwen because of false lien filing (filed on someone elses property) still reported on my credit that they foreclosed. I sent them a copy of the letter they sent me stating it was paid in full, I sent them a copy of the settlement statement stating it was paid in full and still they won't take it off my credit. Its like a personal vendetta against me, because I want to refinance and they want me to continue paying the price of their ignorant hate. They actually hate white people and women, I am both. That to me is discrimination and they should be held accountable for that. They are all from India and think they are the superior race. Business is supposed to be non discriminate. Their practices are very shady. If the government bailed them out, we know who the government prefers out of country businesses.
LaurieFallon, Nevada
U.S.A.
From: http://www.ripoffreport.com/reports/0/382/RipOff0382035.htm

Ocwen ripoff steals money lies changes mortgage paper Olando florida

Ocwen bought my loan at a 7% rate i owed 80 thousand dollars on a house that was only worth about 50 thou but to get the loan they told me it was worth 90 thousand they did not do a good appraise on it she asked me question i was paying 650 a month then in 03 Ocwen boought my loan i did not pay to much attention to it i just had them to take the payment out of my account i was very ill (still am) and medicaial bills and credit bill student loans were piling up so i filed bankruptcy in 05 just on medical and credit cards the house and my daughter car was ok they will be paid on time went to court in Feb in april i notice Ocwen send me a pass due notice for march and April i called them and said what happen to my auto withdrawl they said no we can]t take the money out of your acount i said ok i will send you a check they said no we don't want your checks so and they said they need extra the late fees so i talked to a lady in may and she said send a cashier check and make them sign she was the only one who could speak good english and she said .so i did and i paid a month ahead they took the payment and kept a month and a half for their lawyer i said why i did not file bankr against you and he said prove it and laught so we did the next month they went up i said i have a fixed rated he said no you don't we make the rules the next month they went up again so now i am at 12% i have been fighting them for four year ..i was told (i dont know why you peoples buy house you can't afford. now they report i filed bankruptcy andand the called another credit and told them they are suppose to put that i filed bankruptcy and they said she didnt and he said you suppose to put it in your report so now my daughter credit is messed up her car was paid off but her credit is bad..the car people only reported it to one credit bur..all the rest they said good never late paid off.. i ask they why they listen to Ocwen and they hung up.. so now Ocwen take their sweet time applying my payment totheir books i pay over the interest and they say they did not get it they never gave me back my money and my lawyer proved to them i did not file against they stole more money and said it was for late charges now i am always 22 day late because with a ss check i can not afford a 900 dollar house note they said i owe 86,000 dollars and they do not have my loan papers they wanted me to fill out another one and i said no the Mortgage comp i had before i only owed 80 th.. they make their own rules lies and all..and they fired the lady for helping me she gave me this info i will not tell you her name but they do their employer bad to and c s have to be mean to the customs i proved everything and they want play ball
JoyceGary, Indiana U.S.A.

NCI Ocwen Harassment.. after paying the agreement settlement amount Alanta Georgia

I am on disablity, which means I live on a very limited income. I recently called this company {Ocwen} to try and settle the account. After explaining my situation to them and discussing possible payment arrangements.We agreed that if I paid them nine hundred dollars it would settle the account and they would close it and report the account closed to the credit agencies
.I did not have that kind of money, but I was able to borrow it from someone I knew. I sent them a cashiers check priority mail. I also included a letter with the check stating it was the settlement amount agreed upon and it would close the account, meaning the account was paid in full.They called the message number I agve them a few days later and informed me they received the check, but they wanted more money. I refused to pay them any more money and told them I was going to get legal help. Now they are calling the message number I left and harassing the person who lives there. It's a crime that companies like this can hassle people and cause them so much emotional and financial distress. I hope that every lawsuit against them is won and their company is forced to close for good.
JudyTillamook, OregonU.S.A.

From:http://www.ripoffreport.com/reports/0/318/RipOff0318708.htm

OCWEN Loan Servicing, LLC Stuck in the worst mortgage ever. They refuse to remodify. Can't refinance with anyone else Orlando Florida

I am stuck in what more than one person has stated to be 'the worst mortgage they have ever seen'. I refinanced with Fidelity in Charlotte N.C in April of 2007, by the way they are no longer there so I can't contact anyone. OCWEN got my mortgage somehow and I found out this year that my 30 year fixed which I was told by Fidelity turns out is a 50 year 5 year fix which I'm paying more than before I refinanced. This of course is my fault as I let the quick talking mortgage broker run too much.Anyway after finding out that I have this ridiculous mortage that I was also told I should have never been put in a 10% interest it should have been around 6% I of course tried to refinance....nobody will touch it. So I'm stuck paying a high mortgage with high interest and can't get out. My husband lost his job and now makes half of what he was, in October I will have to start repaying student loans and there is no way that this mortgage is going to work.After calling OCWEN many times and always speaking to someone in India, they will try and get away by when you ask where you are calling they say 'we have call centers in florida', but ask ...'no, where are you?' and they will tell you India. This company will pretend they will try and work with you. I spoke with a supervisor who I stated that I feel my terms of mortgage should be redone since I should have never been given this in the first place, he made me fax all my paperwork in and told me I would hear back in 5 days...okay 2 weeks later I have to recall only to be told that they see no reason for remodification since I'm not late and can pay. They then told me that I had to change my financial statement to say that my bills weren't so high and then they could 'work with me'. This is fraud and I let the gentleman know this, he said 'fine'. Well after lowering my bills and still not hearing back...2 weeks later called again only to be told....no we will not modify, you can pay your mortgage. I have yet to receive any letter denying my modification request. I spent alot of time faxing information when they had no intention on ever helping. I asked them if they were waiting for me to lose my house before they would help but after reading posts on them I don't think they would even help then.I'm stuck and don't know which way to go....I'm thinking on selling the house but I probably won't make enough to cover what I owe on the mortgage and there is a $6,000. early pay off. If someone has any advice that has dealt with this company please let me know.
Callecoco Inverness, FloridaU.S.A.

From: http://www.ripoffreport.com/reports/0/363/RipOff0363771.htm

TopDot Mortgage,Ameriquest,Option One,Countrywide,Amc,montgomery Mortgage ,ames Home Loans

TopDot Mortgage, ocwen Loan Servicing, Montgomery Mortgage, ameriquest, option One Mortgage, there Are So Many That Screwed Us!!! Countrywide, Amc, montgomery Mortgage There Are So Many.... ames Home Loans, We stand to lose our home because of the unfair and dirty loan practices of the companies above Calabass California

It's plain and simple we had to refinance to get a more reasonable payment so that we could save ourselves from foreclosure...Apparently It meant nothing to the mortgage banks and brokers above that we have children and live paycheck to paycheck.We would tell our story about how we got screwed by all of these companies to basically every company that was calling us and urging us to refinance.We believed what they were saying because we figured that they knew more than we did when it came to refinancing and getting out of foreclosure.They lied to us It was nothing but the bait and switch when it would come to the closing...we would sign all the papers as we were told to do and also told that our loan would not be sold again...We must have been with the closing mortgage company probably not even a week before they sold our loan to someone else and then the monthly payment suddenly would change as did the rate! Due to that fact once the mortgage company changed we had already sent our payment to them and because the payment did not get to the new mortgage company on time we would end up getting late fees which we did not deserve because our loan was not to have been sold in the first place!! Now we are with countrywide because we were sold to them we were told that we had a principle and interest loan payment for 30 years at a fixed rate of 7% and then we come to find out that we were lied to and we only have a 2 year fixed loan it is interest only so all the money we have paid has not done anything to bring down the loan amount from 318,000 and once it goes adjustable we will wind up having to pay 4000.00 a month as our monthly mortgage payment!!!! That is unbelieveable to think that these companies would do these things to people who trust them to do the right thing...we were lucky to get out of foreclosure because our mom and aunt gave us 5,757.93 which they did not have....and now the new bill for april is here and we owe once again 2,900.00 which is completely unaffordable to us!Countrywide is where we are now and they themselves refuse to help us lower our payments telling us that we dont even qualify for an fha loan that you have to make at least 60,000 a year and because of our late payments it puts us in a bad light....of course our credit was ruined by these shyster companies every time they would check our credit score they would pull it more times than necessary and that would make our credit score go down...This is just completely unfair I think that these companies should have to pay for what they have done to us as well as others who trusted them i think that they should be sued and or given jail time because they stole from consumers by deceiving them...theft by deception is a crime!I am willing to go soooo public with this answer any questions anybody might have I also find it interesting that once you close you can never contact the broker you were working with before the closing ever again!!! I tried contacting someone from topdot names andrew left him a message on his cell letting him know of our difficulties and that we stand to lose our home because of his and his companies unlawful mortgage practices and he never called me back which i expected would happen they are only interested in your money not helping you at all!!!
Raven GARWOOD, New JerseyU.S.A.

From: http://www.ripoffreport.com/reports/0/322/RipOff0322392.htm

Litton Loan Servicing, Fairbanks, Temple Inland Mortgage, OCWEN, Wells Fargo, Option One, Homeside, Countrywide, but ALL Predatory Lenders FRAUD!

This is not just about Litton Loan Servicing, it's about the criminal business actions of the majority of the lending companies today. Litton Loan Servicing, Fairbanks, Temple Inland Mortgage, OCWEN, Wells Fargo, Option One, Homeside, Countrywide, I could go on for days listing company names. They are ALL alike in their business transactions. End result to the consumer - FORECLOSURE.Come on FEDS WAKE UP! Who will be the first to bring these giants down? This is happening right under the noses of our own government! Is there no one on the take here? If I can find the needle in a haystack(one HONEST politician) who will be brave enough to take a stand and know when ENOUGH IS ENOUGH! Hardworking Americans are being forced into the foreclosure. The American Dream is being stolen away from the average Joe working class by big money conglomorates that feed off of unsuspecting tax payers.This FRAUD MUST end!
Ann AAkron, OhioU.S.A.

From: http://www.ripoffreport.com/reports/0/065/RipOff0065970.htm

Ocwen Financial Filed fraudelent credit report stating they forclosed on me and they refuse to fix it. They got paid there money, but won't admit it.

This company bought my son's loan from Ameriquest. I was the co-signer. When Ocwen got it all of a sudden I was the only signer. The property became involved in a legal battle with family and they illegally added their names to the deed. I no longer had legal rights and never got a dime of the piece of property. Wasn't even a mortgage. Ocwen told my son they would wait for the sale to go through, but threatened all the time. The sale went through, I got nothing. Ocwen because of false lien filing (filed on someone elses property) still reported on my credit that they foreclosed. I sent them a copy of the letter they sent me stating it was paid in full, I sent them a copy of the settlement statement stating it was paid in full and still they won't take it off my credit. Its like a personal vendetta against me, because I want to refinance and they want me to continue paying the price of their ignorant hate. They actually hate white people and women, I am both. That to me is discrimination and they should be held accountable for that. They are all from India and think they are the superior race. Business is supposed to be non discriminate. Their practices are very shady. If the government bailed them out, we know who the government prefers out of country businesses.
LaurieFallon, NevadaU.S.A.
From: http://www.ripoffreport.com/reports/0/382/RipOff0382035.htm

OCWEN DISORGANIZED,NO HELP,ADDED FEES ORLANDO Florida

Ocwen-Where do I begin. We started with this company a few years ago and have nothing but frustration and tears. We fell behind one months payment because of medical bills and are now being told that we owe for 3months of mortgage. I have called their 'customer service' line several times to get an answer and have been told that our payments are late and we have accumulated several 'other' fees. We recently had storm damage from IKE and received a check from our insurance company. They had made the check payable to us and our so friendly mortgage company which will now not sign the check due to their added fees and late payments until they are paid in full. That is our money and they have crossed the line. Is there anyone who can help us get out of this nightmare and this horrible mortgage company? They want their money but don't care to help you or keep track of the correct payments. What do these people do with the checks,and why isn't there a class action suite filed against these people,they are messing with a lot of families and people who truly are honest. Where do you find that anymore.
ToriWest Chester, OhioU.S.A.
from:http://www.ripoffreport.com/reports/0/381/RipOff0381611.htm

OCWEN THEY ROB US PEOPLE WEST PALM BEACH OR ORLANDO Florida

it is the same story with this company, if anyone know how to make the goverment close down this company and take over our loans, please,please let us know
Tricia,new yorkbronx, New YorkU.S.A.

Ocwen Technology Xchange Whistleblower Suit West Palm Beach Florida *UPDATE Ex-Employee responds ..The ticketing system's data wasn't totally lost..

Richard ***************, Delray Beach, FL 33483,Plaintiff,vs.Ocwen Technology Xchange1665 Palm Beach Lakes BlvdWest Palm Beach FL Defendant )Case No.: Violation Whistblower Act, Invasion of Privacy, Violation of Computer Privacy Act, MaliceDated this 27 day of October, 2004Let it be known that Ocwen Technology Xchange is a Florida Corporation located at 1665 Palm Beach Lakes Blvd, West Palm Beach FL, 33401. If the defendant is know under any other names or companies and states this suit will be amended to reflect those changes.Let it be known that Richard the Plaintiff resides at 215 *********** Delray Beach, FL 33483.In November of 2003 Richard did accept a Sarbanes Oxley contract with Ocwen to review their network infrastructure. In accordance with this agreement Richard was to be paid weekly. Further the contract stated Richard was to have complete access to all relevant data without interference from or by the direction of Ocwen.During the month of January Richard began a review of all uptime for critical financial applications that Ocwen monitored for a period from Jan 2003 to Jan 2004. This data was kept in an application called Whats Up Gold. Upon completing his analysis of this data Richard provided a report to Dale Pickford, the CIO of Ocwen and Richard direct report.This report showed a serious material weakness in the overall stability and reliability of the applications know as REAL Servicing, Real Mortgage, Real Trans and Real Loan. The data showed over 14,300 trouble tickets submitted on these application in a 1 year period, further the data showed that these applications were down (not working) as much as 34% of the time. This made it impossible for Ocwen to correctly report loan information to its customers during normal business hours.Richard met with Dale Pickford the CIO to discuss this report. Richard was told to cease all investigation into the uptime of these critical applications and to review other areas inside the IT organization. Richard was told to confine his review to only areas outlined by Dale Pickford.During this meeting Richard informed Dale Pickford that the data that was reviewed clearly showed a material weakness and in accordance with 404 had to be acknowledged or disclosed publicly.Richard discovered after this meeting all data that had been examined had been deleted from the Ocwen Network.Numerous inquiries were sent to Dale Pickford and Bill Ownby asking for an explanation of the missing data. None were ever received.Richard did inform Kevin Wilcox VP of HR that based on his understanding of Sarbanes 404 rules, a serious and perhaps criminal incident had taken place. And unless a reasonable explanation was provided in writing detailing the reason for the deleted data Richard would report the incident to the SEC.Richard notified Kevin Wilcox that this information also supported claims in another lawsuit file against Ocwen Federal District Court in Connecticut Docket #3:02CV960. A $1.5 billion class action suit claiming Reckless Misconduct, Civil Conspiracy, Fraud Claims, Illegal Accounting Practices as a partial in the suit.Kevin Wilcox acknowledged the receipt of the information and agreed to investigate. At that time Kevin Wilcox did inform Richard that if he notified any agency Ocwen would take legal action. After a reasonable period Richard did contact Kevin Wilcox again for status of the issue he had reported. Kevin Wilcox failed to respond.Richard did contact the SEC and provide a full account of the issue he had observed. Ocwen Technology Xchange filed and Injunctive Claim for damage against Richard asking for $15,000 claiming he had violated his employment contract by reporting this information to the SEC. After notifying Ocwen legal council that a Congressional investigation has been initiated into Ocwen activities and contact with a local news station about Ocwen action a third party hired by Ocwen did attempt to hack into Richard home computer. The log files of this intrusion were kept.IF IT PLEASE THE COURTOcwen Technology Xchange has clearly violated The Whistle Blower Act known as FS, §112.3187 (4) ACTIONS PROHIBITED (b) An agency or independent contractor shall not take any adverse action that affects the rights or interests of a person in retaliation for the person's disclosure of information under this section.Richard Block followed the procedure established in FS, §112.3187 5) NATURE OF INFORMATION DISCLOSED--The information disclosed under this section must include: (b) Any act or suspected act of gross mismanagement, malfeasance, misfeasance, gross waste of public funds, or gross neglect of duty committed by an employee or agent of an agency or independent contractor. And reported this information in accordance with FS §112.3187 6) TO WHOM INFORMATION DISCLOSED--The information disclosed under this section must be disclosed to any agency or federal government entity having the authority to investigate, police, manage, or otherwise remedy the violation. The SEC is the agency identified in Sarbanes Oxley 404 as this body.TO AWARD DAMAGES IN THE FOLLOWINGThis suit is being filed Pro Se and in accordance with the appropriate US Supreme Court rules ask the court indulgence in addressing specific legal issues and further ask the courts protection from predatory legal practices by opposing council. Ocwen Technology Xchange has damaged the professional reputation of Richard and has hampered his ability to develop business due to Ocwen frivolous and irresponsible actions.In accordance with FS, §112.3187 (9) RELIEF--In any action brought under this section, the relief must include the following:(a) Reinstatement of the employee to the same position held before the adverse action was commenced, or to an equivalent position or reasonable front pay as alternative relief. (c) Compensation, if appropriate, for lost wages, benefits, or other lost remuneration caused by the adverse action. (d) Payment of reasonable costs, including attorney's fees, to a substantially prevailing employee, or to the prevailing employer it the employee filed a frivolous action in bad faith. (e) Issuance of an injunction, if appropriate, by a court of competent jurisdiction.(f) Monetary consideration for the extreme mental hardship and anguished willfully inflicted by Ocwen Technology Xchange.(g) Any other funds the court deems appropriate.(h) Compensation for the damage to Richard Block career by filing a frivolous suit against a professional consultant which directly impacts his ability to find gainful employment.(I) Compensation for the invasion of privacy into Richard Block home computer network and violating the Federal Computer Privacy Act.This information is true and correct as attested to me this _______________________RichardDelray Beach, FloridaU.S.A.

Ocwen LOAN MODIFICATION COULD NOT MAKE MY PAYMENT BEFORE HOW DO THEY THINK I CAN MAKE A HIGHER PAYMENT West Palm Beach Florida

I did a loan motification in May, wanting to keep my house I did what they asked and gave them the down payment of $1,500. They said to make 2 payments for the first two months in the amount of $2,498.00. They still managed to send me a statement with late fees and other fees on top of that. I could not make my original payments that were around $2,100.00, why I agreed to it is beyond me. I recently contacted them again and advised that I just can't make those type of payments. They said that I could do another loan motification and that I would now have to come up with almost $2,700.00, which they said was an average of two monthly payments. I told the rep if that was true then why the first time was my down payment only $1,500.00? He could not answer me. I then asked if they were participating in the Hope for Homeowners program, he said that at this time he did not see that my loan would qualify that they had already sent letters to who did. I said that the program states that if the amount of your payment exceeds 31 percent of your income and that you needed to check with your mortgage company to see if they were participating. If you are participating and I fit the qualifications why can't I start the process. All he said was you might qualify later, but in the mean time the longer I wait the more my downpayment on a motification may go up. I could go on and on, specialy on how when you call customer service you get people who read a script from India. I have asked several times that I wanted to speak to someone in West Palm Beach and I get switched back to the main menu and get the same customer service in India. They act like they want to help but have the attitude of 'oh well'.....
ANDREApifer, FloridaU.S.A.
From: http://www.ripoffreport.com/reports/0/378/RipOff0378889.htm

Ocwen Mortgage Company This is a Long Hard Journey, But We All Need to Have the Courage to Continue No Matter How Hard the Going Gets Orlando Florida

var ACE_AR = {Site: '747256', Size: '300250'};
Dim adsVB,po
adsVB=0
If ScriptEngineMajorVersion >=2 then adsVB=1
Function adsAX(aX)
on error resume next
If adsVB=1 then
adsAX=False
set po=CreateObject(aX)
adsAX=IsObject(po)
If (err) then adsAX=False
Else
adsAX=False
End If
End Function
I would like to know what is the latest report on the complains against Ocwen Mortgage Copmpany. I read so many complains posted here on Ripoff, but have not read any results from the complaints.I'm also a victim of Ocwen Mortgage Company...and I truly regret that I refinanced from my previous Mortgage to Aegis Lending. Aegis Lending went bankrupt last year and Ocwen took over. Well, when Ocwen took over, I was told that I was behind my mortgage payment although, it was not my fault that it took Ocwen 3 months to update records from the previous lender (Aegis) yet they count that as being the fault of the borrower. Yes, they have threatened to foreclose my home, but I will not let that happened.I have asked for options and Ocwen put our mortgage loan under a forbearance plan, meaning that payments has increased. In the interim my payments will have covered the previous late payments within a given date. I have hired a company called 'American Forclosure Service' to work with Ocwen in working out a 'Modification Plan' which means to lowering the interest rate of the loan...I've worked with AFS since May 2008 and neither I nor the AFS has received any agreement or approval from Ocwen.I feel that I've exhausted and tried ways to work things out with Ocwen, and my next step is to write to Congress and copy of this letter to my lawyer. Yes, I have records of my monthly payments and other important documents for proof.I feel that as long as I'm under the forbearance plan and paying my mortgage monthly, I have good grounds and evidence.It is going to be a long process...together with lots of prayers and having faith in Our Almighty God...something good will come out of this. Yes, I have setbacks and disappointments with Ocwen, but I feel that I can succeed in spite of this misfortune. The key is having the courage to keep fighting no matter how hard the going gets. He, who falls nine times, but gets up tem times is a success. Success is a journey, not a destination.
Jennystafford, VirginiaU.S.A.
From: http://www.ripoffreport.com/reports/0/360/RipOff0360418.htm

Ocwen Mortgage Company In Florida.... They are a scam & will act like they want to help & turn you DOWN!!!!

It was a big mistake for our original loan company to sell our loan to Ocwen, they are no help they charge you falsifying late fees and they send you millions of letter stating that they are there to listen and help you with your financial problems. Back in June my husband lost his job and we were left with only one income, which is when we started having major financial problems so we put our home for sale in October of 2007. We didn't get anyone coming to see our home, so I called and asked for a hardship packet in December and nothing came, in January I called again and nothing came, in that same month we put our home for a short-sale and nothing, no one came. Our agent tried to contact them but would get the run around and the reps were hard to understand. I finally called them and they told me that because I was only two months behind they couldn't help me and that if I got the hardship packet my payments would not go down that much. I stop making my payment in Feb. 2008. They are not willing to help, they give me this option to pay a down payment and two installments but they lied by giving me the figures that didn't include property taxes. I called and asked for help a fourth time and they told me, “Put if for sell," I said I did, they said, “well short-sell it," I said I did, they said, “well that is all we can do for you." I can't afford the high interest rate, nor the high payments, we have 3 children, and they won't help…but still keep on sending these letter of how much they are there to listen & help. They are a joke, I am so over losing my home, its just really sad to see my children go through this.
GloMoreno Valley, CaliforniaU.S.A.
From: http://www.ripoffreport.com/reports/0/379/RipOff0379085.htm

Ocwen Financial Ways to Hold Ocwen Accountable, Straight Up Info, Take It Or Leave It West Palm Beach

Here's a few more contacts for you to voice your concerns. Start here with contact numbers and names. Beat their phones down and their emailsOcwen Consumer Ombudsman at (800) 390-4656 or OmbudsmanWilliam.erby@ocwen.com - 561-682-8520ronald.faris@ocwen.com - 561-682-8560scott.anderson@ocwen.com - 561-682-8913call into the switchboard at 407-737-5000 and ask for other members of upper management email and phone numberThe best way to get Ocwens attention is to call anyone above or below at the following companies that either supply Ocwen with your accounts or rate Ocwens performace and tell them how bad a job Ocwen is doing. Tell the companies that originated your loan how bad India is screwing up your account, terrible communication, lack of follow up, 5000 Indians, 5000 different answers etc... Tell the rating agencies that drive Ocwens stock price how bad a job Ocwen is doing. Again, Ocwen doesn't wake up every morning and say 'Now how can we screw our 400,000 accounts today'. Reminder, Ocwen makes more money via your performing loan vs a non performing loan, called an interest payment. Ocwen doesn't not intentionally or deceitfully try to break the law. They're just completely stupid via INDIA and upper management that can't settle into a consistent way of doing business. Everyday upper management wakes up and asks themselves how to make more money and they try different rules and regulations, internally, and hope that rules and regulations don't violate any law. Lehman Brothers - Richard Fuld Jr.Fitch - Thomas Crowe at 212-908-0227 or Kathleen Tillwitz at 212-908-0239Standard and Poors - Richard Koch - 212-438-2513 or John Bartko - 212-438-7368Moodys - Fern Wang - 212-553-4621MorningStar - ?Try also - Credit Suisse Bank - If these numbers don't work, call 411 for updated info but call the decision makers about your issue.Check Ocwens stock price - Pathetic - Ocwen stock price from 3.55 in 03 to 15 in 2006 back down to 4.65 in 2008. Erby will say, Well this and that, market conditions, economy, blah, blah, at the end of the day, little anticipation of your needs and his mismanagement which funnels down to his incompetent managment team.As a reminder, Ocwen is a skeleton crew in Orlando, FL, under 125 employees. Intuit - AKA Quickbooks supports takes up the entire top floor and over 1/2 of Ocwens bottom floor. They are also leasing out additional space that Intuit can't occupy. Most of Ocwens foreclosure reps are now in West Palm Beach, FL. India is your biggest liability if your loan is at Ocwen. Reminder, tell the Ombudsman or a manager to raise the USAO flag so that calls to you and from you will route to the US NOT india. And don't take Ocwens excuse that calls will still route to India whent the flag is raised, the call won't. Also tell a manager to place 'USA calls in and out only' in the comments screens on the front screen. Tell your congressman to mandate all calls about a mortgage stay in the US. Site communication, privacy and security of your SS#s and personal data in a foreign country as reasons to keep your accounts in the US. As far as the last comment made on 02/28 about why Ocwens doors are still open ?I can answer that, they don't blatantly break laws but they are sloppy with their rules and constantly changing processes. India and the US communication is extremely weak. What a US agent and a homeowner can discuss normally, is foreign to an Indian, they don't have a mortgage system in India. They are learning on the job with your loan and their turnover is very high. Read my original email from 09/03/2007. They aren't crooks, they're just aren't very smart and you pay for their mistakes. When you have a delay in some sort of processing, It's India, when your payment is posted correctly or on time, It's India, when your payment is lost, It's India, when your fax can't be found, it's India, when your payment is sent back, It's India. As for your complaints on this site. Waste of your time. Your time will be better spent when you begin complaining to rating agencies and the companies that supply Ocwen their loans. Don't complain to the originator of your loan, complain to the lenders company president. A few of the companies that feed Ocwen their loans are New Century, Delta Funding, Lehman Brothers and a host of others. Ask you lender who they farm out your loan to for servicing. Spread the word far and wide. The only problem with you sounding the alarm is that there are so few of you. Keep in mind, Ocwen services about 400,000 accounts. There are about 1300 complaints on this site. 4000 complaints are only 1%. So all you combined are less that .25 of 1 percent. But if you all call rating agencies, mortgage lender presidents, the BBB etc... you might get a more favorable response. As for the main way to get Ocwen off your back. Pay your mortgage payment on time. A forbearance plan is a priviledge not a right. Basic Forbearance Plan 101. If your payment is 100.00 and you are behind 1 month, How do you make up the payment ? Pay an extra 50.00 over 2 months, or an extra 10 over 10 months, but until your missing payment is accumulated and then utilized to complete the missing payment, you do pay a late charge, but that's better than loosing your home. Ocwen doesn't want your home. Most of you have deferred maintenance needing attention, you may live in a bad area on and on. Ocwen doesn't want the hassle of carrying your homes cost until sold. They want you interest payment. They are rated as a servicer based upon delinquency. Ocwens infrastructure is weak at best. They are constantly changing, never, never letting their process settle or gain strength before changing again. All this does is to keep the employees off balance and compromise the servicing of your loan. Ocwen calls Six Sigma constant process improvement, but at the end of the day, every conversation splinters the effort of servicing your loan that much more. If you read back years ago, you can find many posts from Robert the crybaby in Crestline California and Marlene the motormouth from Miami, FL. The worst homeowner that didn't understand the process of loan servicing was Kweku - (puke-up) Hansen. These 3 main whiners were the worst. They don't have a clue how the home they own became theirs or their responsibility once they signed on for the loan. Make it a point to educate yourself on homeownership responsibility. You have a responsibility to repay what you borrowed. You didn't sign a promise to pay.... unless this or that happens in your life including medical issues, loss of job, economic conditions or even if you croak. Ocwen is terrible as a loan servicing company, but you signed a promise to pay. They are governed by what you signed per the companies that assign loans to them. So, quit your complaining and pay what you owe on time.I'll address any issue from anyone, if you don't pay your mortgage payment for whatever reason, you are guilty. Unfortunately, I still have to audit Ocwens processes and screwups and I'm still amazed at the ineptitude but still not excuse for your lack of prompt payment.
Ocwen Facts of LifeWest Palm Beach, FloridaU.S.A.

From:http://www.ripoffreport.com/reports/0/327/RipOff0327262.htm

OCWEN LENDING TREE LENDINGTREE Scam

Yes, I made a big mistake too...Did 14 years of Honorable Marine Corps service. Came back to the states after Iraq and decided my family needed to have me around so I put money down on a house that I could afford. Shortly after Ocwen started to raise their rate and I couldn't afford it anymore. Couldn't get approved for a fixed APR or anything. Ect, Ect, Ect you guys know how the story goes. Ocwen harassed the crap out of us with lawyers and every trick in the book. Finally after a year of being harassed with foreclosure papers (Never a date to get out of the house) I made plenty attempts to bring my loan current-but they won't work with you. Now the house sits empty and abandons waiting to be sold by Ocwen. I called Ocwen the day after we moved to let them know the doors are locked and they can have it back. Ocwen was wheeling and dealing with offers for me then (well it's too late).......................The moral of the story is: Don't try to bleed me for money, because I'll cut you back----DEEPER...A Company run by foreigners from other countries helping to rip apart the 'American Dream' - Their home base is not Orlando Florida.
Ocwen is run by Terrorists!***Lending Tree is also a scam***OcwenScrewedMe2!
Jacksonville, FloridaU.S.A.

From: http://www.ripoffreport.com/reports/0/378/RipOff0378198.htm

Ocwen Financial This company is ripping people off by the way they conduct their business and it is not fair

I am writing this hoping I can get help. My husband and I built our house in 1997 and when we signed the loan it was for 30 years. Our loan was switched to Ocwen in 1999 and since then it has been crazy dealing with them. They are telling me our maturity date is in 2009 and that means our loan was for 10 years and that is not what we signed. Our original balance with them was for 86,125.00 in 1999 and for this day in 2008 that balance is 82,093.27. Where has my money been going. According to them I have paid a little over 4,000 toward my loan in 9 years. Huh? Also we got behind on payments and I borrowed money from family and sent them a check for 2,744 and they did a loan modification. They told me that there would be 274.00 add to my payments for taxes and insurance. Which I did not understand because I paid those. I am being charged all this different fees that I do not know what it for and it keeps getting more each month.Also the loan modification I signed stated that for the first two months I would pay my original payment(which is the trial period) and after that they would add the escrow. Now they are telling me that I have to pay the escrow starting right away. I faxed them my loan modification that stated otherwise and they are still arguring with me. I am beside myself. I do not know what to do. I am sending them money and I am not seeing where it is going. I reguested a history of my payments for as long as my loan has been with them and have recieved nothing. I am so scared that some how I will lose my house. I am worried about the maturity date because according to them that in 2009 my loan will mature and we will have to pay the house off. How am I pose to do that? I just don't know what to do and would love to have some help in this matter.
Kimberlywalton, KentuckyU.S.A.

From: http://www.ripoffreport.com/reports/0/377/RipOff0377305.htm

OCWEN Financel-Loan Servicing HOUSE STOLEN BY OCWEN THEY OWN IT NOW I WANT IT BACK

I have read most of the reports filed and I am amazed to find out that OCWEN has done the same thing to so many people. When ocwen took over my loan I was paying $1600.00 a month payments Then they tacked on over $200.00 more a month for ins. I already had. After many calls without no response I fell behind on my payments. OCWEN put my house in foreclosure. I contacted them and got a modification. They lowered my payments to $1360.00 a month which they told me included a escrow account to pay ins. prop. taxes. They told me that this Modification would cost me $2000.00 which was hard to come up with in 2 days to save my house. After paying the mod. cost I had 20 days to come up with the first payment I was 1 week late on this payment which made me 1 week late on the other payments. After 3 months I got a letter from the county saying that they were going to sell my house for late taxes. I went down to pay the taxes and called ocwen to find out why they didn't pay my taxes out of an escrow that they got from my previous lender they told me that they used the money from that account to pay the Ins. that they added on. they told me that because I payed my taxes that I could have a 30 day extension to make my next payment. During this time they told me that I had defaulted on the modification because my payments were late. I tried to work out another modification with them and they told me that a Patti Goemaz was going to work it out. I called them a number of times to talk to this Patti Goemaz and all I got was her voice mail. My call to them on Sept.10 I was told that the house was to be sold on Sept.11 I called on Sept.11 and was told that Patti Goemaz was working on another mod. The house was sold on Sept.12 to a Representative of ocwen because no one showed up for the sale. The reason no one showed up is because the sale was not published. So ocwens rep. Got my house for $1000.00. I have left some of the details out but I think we all know that I got screwed by ocwen.What I need & we all need is some HELP! with this so maybe we can save our homes and in my case get my home back. I would sure like to know what I can do.
JimCrescent City, CaliforniaU.S.A.
from: http://www.ripoffreport.com/reports/0/376/RipOff0376467.htm

Ocwen Loan Servicing Unethical Practices/ Thiefs/ Incompetent/ Foreign Orlando Florida

Two years ago we refinanced our loan in efforts to reduce our interest rate. Instead, we were naively roped into a refinance that was eventually bought by Ocwen Loan Servicing. In addition to a ridiculously high interest rate (8.875%), Ocwen had the audacity to call us during our most recent refinance, to tell us that we were late for a payment when they in fact; the loan had been paid off in its entirety. Since the beginning of our most recent refinance, Ocwen has repeatedly, through multiple foreign customer service representatives, lied to us about sending our insurance company to the Escrow amount. Maybe because it's difficult for them to understand the English language, I don't know; however, I do know that it is NOT okay to lie about providing services that they should have followed through on and not kept documentation of our requests. Long story short, my family is waiting for approximately $950 that is rightfully ours and Ocwen refuses to issue right away. Ultimately, they are dishonest, thiefs, that are taking American jobs away from American workers! Something has got to be done!
KimberlyDenver, ColoradoU.S.A.
from: http://www.ripoffreport.com/reports/0/374/RipOff0374479.htm

OCWEN Loan Servicing, LLCOCWEN Loan Servicing, LLC And RIchard B. Maner, PC Delta Funding and Fidelity Mortgage went bankrupt. OCWEN Loan Servicing,

OCWEN Loan Servicing, LLCOCWEN Loan Servicing, LLC And RIchard B. Maner, PC Delta Funding and Fidelity Mortgage went bankrupt. OCWEN Loan Servicing, LLC is based in INDIA. They were a federal bank in USA but our government shut them down! Atlanta Georgia

Delta Funding, the mother of Fidelity Mortgage, went bankrupt. Their doors are shut. Not one human 'mans' the office. OCWEN Loan Servicing, LLC took our payments for Fidelity, my mortgage company.During this time I filed Chapter 13. I sent in payments for 4 months consecutive; however, less than the amount due. My checks were cashed. I received a phone call, not a letter, from a man named Reid informing me that my mortgage company went bankrupt. He could not answer many questions. Although this is what he did provide: OCWEN was once a federal bank in the US. Our government shut them down due to breaking the FDIC regulations. OCWEN is now based in INDIA! They are difficult to get a hold of and seek to take property that have large equity in them. Reid explains that I would be notified by a new mortgage company. To date I have yet to hear from 'Reid' or Fidelity Mortgage via phone or in writing. Last week I receive a letter from Attorney Richard B. Maner, PC in Atlanta, GA, on behalf of OCWEN Loan Servicing, LLC stating I will be in default if I do not pay a substantial amount of late fee's and payments. The letter did not show my consecutive payments.I phoned Reid yesterday to find out my loan and about 29K other loans are not being bought in bundles. That there are not many mortgage companies that want to buy large debts. That if my loan was 100k and under possible. Unfortunately, my home has been without insurance for 4 months, as I just cannot afford it. I wonder why OCWEN did not place or demand insurance, as any other 'mortgage' or servicing company would. They are only demanding money for payments and late fee's. To whom will they pay it to? I question how can a loan servicing company represent a company that no longer exist? If my checks were cashed does that set a standard? What rights do OCWEN have?What government wants to step in and assist americans against a foreign company who already broke our laws? What Attorney would want to represent a foreign company that makes American's homeless? I would appreciate any support.
Jacqueline JacquelineTybee Island, GeorgiaU.S.A.
http://www.ripoffreport.com/reports/0/374/RipOff0374202.htm

Ocwen Steals right out of Checking Account Orlando Florida

We had never had a single problem with our house payment, untill August 2008. We always have our payments in our checking account ready to be withdrawn through automatic debit. We have 2 loans on our house and the first has still never have a problem. We contacted Ocwen to find out what was going on, their reps. told us that the payment was posted and would go through in 24-48 hrs. That did not happen. We then contacted our bank and were told that Ocwen was using an authorization code from 2007, so, in order to protect our account they denied the funds. On August 18th 2008, the funds were withdrawn from our account by Ocwen, they apparently found the correct code and used it; and then subsequently lost the money. From that day on Ocwen MGT Co., has denied that they have that money. We have bank statements, and documents, from the main Credit Union office in Calf., that clearly state exactly what had taken place. We faxed all of this info to Ocwen and they still deny that they withdrew these funds. We contacted a mortgage lender to see if she could help us, the first thing she told us was that she was prity sure that Ocwen was going under. We brought all of our accumulated paperwork, she saw what was going on, Ocwen argued with her and then would not talk to her. The Customer Service Supervisor would not talk to her. We are basically up the creek without a paddle. I have done everything I can possibly do to wright this wrong, and still have no answers. Ocwen stole that money out of our checking account and will not take responsibility.
JdCold Springs, NevadaU.S.A.

From: http://www.ripoffreport.com/reports/0/372/RipOff0372678.htm

Ocwen Mortgage - Insurance Scam Forced Insurance Policy on a Covered Mortgage Orlando Florida

My mortgage was covered under a personal policy, through Escrow, for hazardous and flood conditions, for a total of $1300 a year, from October 2006 to October 2007.In April 2007, OCWEN forced an insurance policy for Hazards ($1357.74) and a forced flood insurance policy ($846.62) on my loan, which was already covered. This raised my automatically debited payment a total of $183.70 a month.When I contacted OCWEN, I was transferred and referred between ESCROW and INSURANCE Departments with no answers or resolutions. They did not renew my personal policy, for $1300 a year in October 2007. I got new quotes in November 2007, they never paid the premium. In March 2008, I CLOSED my bank account because OCWEN would not stop the auto pay, for the incorrect amount. In April 2008, the mortgage was sold to Greentree. I have been working with Ocwen and Greentree now for almost SIX MONTHS and still do not have the payments and escrow correct. I have detailed my taxes & my insurance policy total, along with the P&I on my mortgage, and yet Greentree can not seem to reconcile my ESCROW account because of OCWEN's FORCED INSURANCE POLICY.
At wits end!
RebeccaKeithvile, LouisianaU.S.A.

from: http://www.ripoffreport.com/reports/0/372/RipOff0372285.htm

Ocwen Financial Ways to Hold Ocwen Accountable, Straight Up Info, Take It Or Leave It

Here's a few more contacts for you to voice your concerns. Start here with contact numbers and names. Beat their phones down and their emailsOcwen Consumer Ombudsman at (800) 390-4656 or OmbudsmanWilliam.erby@ocwen.com - 561-682-8520ronald.faris@ocwen.com - 561-682-8560scott.anderson@ocwen.com - 561-682-8913call into the switchboard at 407-737-5000 and ask for other members of upper management email and phone numberThe best way to get Ocwens attention is to call anyone above or below at the following companies that either supply Ocwen with your accounts or rate Ocwens performace and tell them how bad a job Ocwen is doing. Tell the companies that originated your loan how bad India is screwing up your account, terrible communication, lack of follow up, 5000 Indians, 5000 different answers etc... Tell the rating agencies that drive Ocwens stock price how bad a job Ocwen is doing. Again, Ocwen doesn't wake up every morning and say 'Now how can we screw our 400,000 accounts today'. Reminder, Ocwen makes more money via your performing loan vs a non performing loan, called an interest payment. Ocwen doesn't not intentionally or deceitfully try to break the law. They're just completely stupid via INDIA and upper management that can't settle into a consistent way of doing business. Everyday upper management wakes up and asks themselves how to make more money and they try different rules and regulations, internally, and hope that rules and regulations don't violate any law. Lehman Brothers - Richard Fuld Jr.Fitch - Thomas Crowe at 212-908-0227 or Kathleen Tillwitz at 212-908-0239Standard and Poors - Richard Koch - 212-438-2513 or John Bartko - 212-438-7368Moodys - Fern Wang - 212-553-4621MorningStar - ?Try also - Credit Suisse Bank - If these numbers don't work, call 411 for updated info but call the decision makers about your issue.Check Ocwens stock price - Pathetic - Ocwen stock price from 3.55 in 03 to 15 in 2006 back down to 4.65 in 2008. Erby will say, Well this and that, market conditions, economy, blah, blah, at the end of the day, little anticipation of your needs and his mismanagement which funnels down to his incompetent managment team.As a reminder, Ocwen is a skeleton crew in Orlando, FL, under 125 employees. Intuit - AKA Quickbooks supports takes up the entire top floor and over 1/2 of Ocwens bottom floor. They are also leasing out additional space that Intuit can't occupy. Most of Ocwens foreclosure reps are now in West Palm Beach, FL. India is your biggest liability if your loan is at Ocwen. Reminder, tell the Ombudsman or a manager to raise the USAO flag so that calls to you and from you will route to the US NOT india. And don't take Ocwens excuse that calls will still route to India whent the flag is raised, the call won't. Also tell a manager to place 'USA calls in and out only' in the comments screens on the front screen. Tell your congressman to mandate all calls about a mortgage stay in the US. Site communication, privacy and security of your SS#s and personal data in a foreign country as reasons to keep your accounts in the US. As far as the last comment made on 02/28 about why Ocwens doors are still open ?I can answer that, they don't blatantly break laws but they are sloppy with their rules and constantly changing processes. India and the US communication is extremely weak. What a US agent and a homeowner can discuss normally, is foreign to an Indian, they don't have a mortgage system in India. They are learning on the job with your loan and their turnover is very high. Read my original email from 09/03/2007. They aren't crooks, they're just aren't very smart and you pay for their mistakes. When you have a delay in some sort of processing, It's India, when your payment is posted correctly or on time, It's India, when your payment is lost, It's India, when your fax can't be found, it's India, when your payment is sent back, It's India. As for your complaints on this site. Waste of your time. Your time will be better spent when you begin complaining to rating agencies and the companies that supply Ocwen their loans. Don't complain to the originator of your loan, complain to the lenders company president. A few of the companies that feed Ocwen their loans are New Century, Delta Funding, Lehman Brothers and a host of others. Ask you lender who they farm out your loan to for servicing. Spread the word far and wide. The only problem with you sounding the alarm is that there are so few of you. Keep in mind, Ocwen services about 400,000 accounts. There are about 1300 complaints on this site. 4000 complaints are only 1%. So all you combined are less that .25 of 1 percent. But if you all call rating agencies, mortgage lender presidents, the BBB etc... you might get a more favorable response. As for the main way to get Ocwen off your back. Pay your mortgage payment on time. A forbearance plan is a priviledge not a right. Basic Forbearance Plan 101. If your payment is 100.00 and you are behind 1 month, How do you make up the payment ? Pay an extra 50.00 over 2 months, or an extra 10 over 10 months, but until your missing payment is accumulated and then utilized to complete the missing payment, you do pay a late charge, but that's better than loosing your home. Ocwen doesn't want your home. Most of you have deferred maintenance needing attention, you may live in a bad area on and on. Ocwen doesn't want the hassle of carrying your homes cost until sold. They want you interest payment. They are rated as a servicer based upon delinquency. Ocwens infrastructure is weak at best. They are constantly changing, never, never letting their process settle or gain strength before changing again. All this does is to keep the employees off balance and compromise the servicing of your loan. Ocwen calls Six Sigma constant process improvement, but at the end of the day, every conversation splinters the effort of servicing your loan that much more. If you read back years ago, you can find many posts from Robert the crybaby in Crestline California and Marlene the motormouth from Miami, FL. The worst homeowner that didn't understand the process of loan servicing was Kweku - (puke-up) Hansen. These 3 main whiners were the worst. They don't have a clue how the home they own became theirs or their responsibility once they signed on for the loan. Make it a point to educate yourself on homeownership responsibility. You have a responsibility to repay what you borrowed. You didn't sign a promise to pay.... unless this or that happens in your life including medical issues, loss of job, economic conditions or even if you croak. Ocwen is terrible as a loan servicing company, but you signed a promise to pay. They are governed by what you signed per the companies that assign loans to them. So, quit your complaining and pay what you owe on time.I'll address any issue from anyone, if you don't pay your mortgage payment for whatever reason, you are guilty. Unfortunately, I still have to audit Ocwens processes and screwups and I'm still amazed at the ineptitude but still not excuse for your lack of prompt payment. Ocwen Facts of LifeWest Palm Beach, FloridaU.S.A.

From: http://www.ripoffreport.com/reports/0/327/RipOff0327262.htm

OCWEN LOAN SERVICING LLC verbally abused on monthly basis by loan representative- called before payment was even due

Every month before our payment due date, we would received abusive and threatening phone calls from a loan representative assigned to our account. He was always demanding that we make our payment via western union and would continue to call until we gave him the confirmation numbers. We were told that if payment wasn't received before close of business on the due date, default paperwork would be submitted and penalties fees would be assessed. This person was very unprofessional, rude, and intimidating. Everytime I would bring up questions regarding the 5 day grace period, heated words would be exchanged to the point that I usually hung up. I was so glad when our loan was transferred. I recently checked my credit report and noticed that Ocwen is scheduled to continue showing on my record until Nov 2013, although the loan was transferred to another lender in 2001. Which I find curious.
Ganellepost falls, IdahoU.S.A.

from: http://www.ripoffreport.com/reports/0/369/RipOff0369582.htm

OCWEN LOAN SERVICING ROAD COMPANIONS WITH DogHorribleIdiot; Mortgage Company Run Away, Run RunNN

DHI- initial mortgage company. Mark Toelle (their loan officer, Fairfax County VA) was asked to prepare 30-year-fixed (2nd house- I knew what I wanted); Mark lied, covering the loan terms (which was actually arm) with deceptive language ('rate will float to lock', he says). Around this he was pressed on the 30-year-fixed, he continued to lie. There used to be trust, honesty; there has to be some degree to conduct any business . . . Six months later, the following year, via US mail, the letter (from DHI, resolution department) indicated the loan is not complete, in a default status (sig. not notorized, copies I signed at closing enclosed, pls complete, bloh. bloh . . .) Changes were needed to meet the (loan) program guidelines. All the while payments were billed to me and paid.
Talking to Carolyn Bertelson VP, DHI -> 3 issues; 1) loan not complete, in default status; 2) issue of appearance of fraud (via US mail), & 3) I want a 30-year-fixed.
On-line, I find reports about Ocwen: what is the link between this obviously corrupt builder/lender (DHI) and their using Ocwen as their loan servicer? I am digging . . . My loan adjust in 10/10/08, and my payments have increased from $2500 to about $2780. I will get the 30 year fixed loan I should have gotten. CB did not answer why I did not get the 30 year fixed, nor why a Mark Gaulbreson (someone at the title company) altered my signature on loan documents (copied thereof mailed demanding that I sign).
Additionally, a loan scam was featured in local news ->DHI (nearly all houses were sent into forclosure, presently they are empty, and a neighbor told me that the FBI was investigating). At this point, I am at the beginning, however, I am determined to win, and strong enough to go the distance (this journey will require). I say to others dealing with DHI or Ocwen: be strong, endure and keep your cool. I will provide updates as things develop.
My options now are 1- loan modification (the only modification I will accept at this point is the 30-year-fixed that I originally wanted); 2- pursuing mail fraud charges (waiting for fraud unit of postal service to return call, this is federal offense which carries a million dollar fine maximum for business or 30 years imprisonment); 3- evaluate the guidelines of my (loan) program for talking point & 4- file bankruptcy (which I did once before, and it really did not affect my life at all. How do we get a class action suit going here? Chow.
GailWoodbridge, VirginiaU.S.A.

From: http://www.ripoffreport.com/reports/0/368/RipOff0368092.htm

OCWEN OCWEN cheats people

Okay, so for the last three years, I have sent my payments in to Ocwen and usually have to wait three weeks for the payment to go through. This month, they ran my check through, and of course having paid my other bills, it didn't clear. I called them to see what needed to be done, having called my bank first, telling me that the check was returned to them. So I called them. This was the 21st of August. I talked to an agent (in a different country) who told me that it hadn't shown as returned, however if it does, (which my bank said did), then there would be a charge for the returned check, which was $25.00. So, knowing that the bank had returned the check to them, I went to the bank, and had a money order done in the amount needed, and sent it off to them, that day. Today, August 25th, I check my bank account, and I am in the hole, again, because they reran the check, which the bank had returned to them.....They're excuse, was that they never had it in their records that the check was returned to them. But they tried to tell me that I tried to have them take a payment by phone, which never happened, I don't like doing things that way, so why would I even go there? Then they tried to say that the payment would apply to September, well hello, if it didn't work the first time, how would it work the second time??? Now, this is a financial institution, wouldn't you think the agents would have up to date information as to when a payment has gone through, or if it didn't pass through the bank?? Am I giving our financial departments too much credit for hoping that they know what they're doing???? Apparently so.And how convenient it was because I was a male, they finally found a male to have me deal with, every female I spoke to wouldn't even respond to me. I found that to be quite amusing. Noone else could argue with me, so find the one in the bunch who could. Not that I could understand HALF of what he said?! Oh, yeah, and trying to get ahold of someone in the US who ould handle this account personally??? Not going to happen! JdsidDenver, ColoradoU.S.A.

from: http://www.ripoffreport.com/reports/0/366/RipOff0366559.htm

OCWEN Loan Servicing

I just found this ripoff report site today as I was researching what ever happened to First Alliance Mortgage ( the company that Cal Vet allowed us to encumber our first mortgage with a second in place with in 1992 ) at some point in time somehow Ocwen became the company we were paying our second mortgage to ( the payment history I received from them indicates we have been paying them since 07/01/2000 ) our loan 'matured' in Sept. 2007. Not knowing exactly what that meant because ocwen also sent paperwork to send for a payoff quote I began my quest for information on what to do since the payoff quote stated that they wanted 5000 plus dollars and we were not in a position at that time to pay it off if we even owed that amount. I was told by one of those employees that takes calls from the cue 'just go ahead and keep making your payments' I did this and they recorded it as a payment on Nov. 7,2007 and now the recorded statement message says the next payment due for Dec.1,2007 is 191.66 we have not made a payment since then. The monthly statement that we have been receiving since then shows amount due 00.00 I have not been able to satisfy myself that we indeed owe any amount due to the impossibility of ever being able to reach anyone in the USA. We have now received a foreclosure notice and I am not sure what to do after reading all the ripoff reports on this site this evening. I would like to know if there is any help by reporting on this site and letting others know your personal plight.
NaderetteOrangevale, CaliforniaU.S.A.

from: http://www.ripoffreport.com/reports/0/366/RipOff0366929.htm

Ocwen Loan Servicing Company offered forbearance to resolve difficult arm loan and filed foreclosure default the next day

In 2006, I purchased a home in California. Shorly afterwards, my loan was taken over by Ocwen. It was an adjustable rate loan set to increase after two years. Once the loan was about to go up, I found that refinancing was very difficult due to a drastic drop in home values in this area.I began to fall behind in my payments and Ocwen offered a loan modification and forebearance option which I agree to accept. Ocwen required a cash amount of $2400 be sent via Western Union on Oct 23rd to reset my loan back to a current status and eliminate any possibility of a pending default being filed(according to them). After wiring the 2400 dollars on October 23rd, Ocwen in fact filed the foreclosure default the very next morning October 24th. They havent returned the money and they ordered the house to be auctioned off. I am facing having to live without a home for a very long time with ruined credit and very soon a sheriff will be dispatched to my house to enforce the fraud which I believe Ocwen has committed against me. I have filed a report with the department of corporations and Ocwen responds with irrelevant information with no bearing on the problem.If anything can be done to help me, please contact me.
Robertturlock, CaliforniaU.S.A.
From: http://www.ripoffreport.com/reports/0/365/RipOff0365627.htm

OCWEN LOAN SERVICING Ocwen Blatantly Lying To Decieve Customer

I inquired about a Loan Mod with Ocwen back in April 2008 and submitted my paperwork (via certified mail) on April 25th.....I was told it would take 15 days to process. After countless phone calls to their 'Customer Service Number' which is in India I finally received the Modification Agreement @ 5pm Friday, June 20th. The agreement stated I had till June 25th. to sign and send back with my down payment. I noticed right away there was some very vague language in the agreement. The first item was in the cover letter and states:NEW MONTHLY PAYMENT: $2,542.59(which may or may not include escrow)Second item was in paragraph 3 which states:'Any payments due for taxes or insurance will be your responsibility in addition to the payments of principal and interest required under the terms of this modification.'I called OCWEN to go over the agreement and asked if my taxes & insurance were included in the monthly payment. Anthony in Bombay assured me the taxes & insurance were in fact included in the payment. Great!! I told him that there was an error in the cover letter and in paragraph #3 that stated that they were not included and asked him to please correct the error. The answer I got was astounding. Anthony informed me that this was their standard agreement that had been approved by the legal department and COULD NOT BE CHANGED. I asked him why he was telling me one thing on the phone but the agreement clearly states otherwise. Anthony informed me (in a very threating manor) that if I did not sign the agreement 'as is' that OCWEN would put my home in foreclosure. Which they ended up doing 2 days later. The next item I inquired about was paragraph 9c that states:'Any expenses incurred in connection with the servicing of your loan, but not yet charged to your account as of the date of this Agreement, may be charged to your account after the date of this Agreement.'I asked Anthony what 'Any Expenses' were and he informed me that was 'legal fees and stuff'. I told him I thought that term was very vague and asked if he could be more specific. This inquiry seemed to irritate him emencely. Again I was informed that this was their standard agreement that had been approved by the legal department and COULD NOT BE CHANGED....along with the standard threat of foreclosure. I feel I'm being forced to sign a misleading agreement that does not reflect what I'm being told on the phone. Aside from hiring an attorney (which I can not afford) what can I do?? WTF?
Los Angeles, CaliforniaU.S.A.

from:http://www.ripoffreport.com/reports/0/349/RipOff0349469.htm

OCWEN Federal Bank Financial Services OCWEN = O.rganized C.rime W.ith E.xtreme N.egligenceOCWEN OCWEN Bank Financial Services !!!! My home was sold wh

OCWEN Federal Bank Financial Services OCWEN = O.rganized C.rime W.ith E.xtreme N.egligenceOCWEN OCWEN Bank Financial Services !!!! My home was sold while I was out of town ,15 calendar daysafter paying almost $17k

I am still not exactly sure what our monthly payment was due to a constant fluctuation blamed on some BS, according to the confusing statements sent by OCWEN (sometimes we would get 4 conflicting statements a month) saying that our payment was not received on time or it was not the correct payment amount, which amazes me because we generally paid via telephone (average hold time 109 minutes)and were never told of a change in the amount of our payment by the verbal response programmed customer service reps that OCWEN directs calls to in India. (thats a whole other complaint). OCWEN advises of a non-sufficient payment made that usually was not credited for up to a week after an EFT (electronic funds transfer) from our bank to theirs so there should no processing fee or time involved but we were usually charged an exorbitant late penalty plus interest on top of that. Our home was in foreclosure in March 2008 (our payments were over 4800.00mo) and we were offered a 'Loan Modification Agreement' to prevent the auction of our home in a few days. They offered to put all past due payments on the back of the loan and lower our payment to $3408.64 mo and our interest rate would drop to 7.75 for 30 years fixed, provided we made the initial down payment of $9102.00 and the 2 following monthly payments on time. The agreement was never received via mail and when we did not receive it by mail we called OCWEN and were offered a fax copy of the 'Loan Modification Agreement' which we received by fax on March 10th and was dated March 6th 2008 it stated the offer was good until March 10th 2008.We called and advised there was no way we would be able to get the $9102.00 out that day, it was nearly end of the day. On March 11th we received another faxed copy of the 'Loan Modification Agreement' still dated March 6th and still expiring on March 10th 2008 but were assured by OCWEN that was their offer and it was still valid and they would not send an updated copy but there was a change showing our payment would be $3808.64($400.00 more!) and if we didn't want our home auctioned we had to send the $9102.00 via Western Union or wire transfer by the next day and return the signed 'Loan Modification Agreement' as it was and they would let us know if they accepted it or not. The deed of trust sale of our home took place on March 18th 2008 just 6 calendar days after OCWEN took our $9102.00(?) We were never notified of the transfer of title and the sale was rescinded and the transfer of title was voided. (one hand didn't know what the other hand was doing) The 'Loan Modification Agreement' had been accepted and our 'probationary' period included making our May 1st and June 1st payments on time. The payment due on May 1st was made by telephone on April 15th and the payment due on June 1st was made on May 23 2008. We received a statement from OCWEN in June stating that the rate index had changed and the payment made for June 1st was a deficient payment amount which we were not aware of until it was too late. We left on July 3rd and did not return back home until about 12noon on July 22nd at which time I was greeted with about 10 letters by mail from Aztec Foreclosure Service and OCWEN stating that on July 7th the Notice of Deed of Trust Sale was to take place on July 22nd (this is when the intent to sell was recorded at the County Recorder) I called OCWEN immediately and ended up in India!!! after explaining what the situation was and being transferred to the voice mail of a supervisor I continued to call back and insist upon speaking to someone higher up... only to be advised that 'there is nothing we can do to stop the sale'!!! (there were no bidders at the sale of my property) OCWEN had an offer from a 3rd party of $100,000.00 less that what was still owed by us on the home. What they basically did was a short sale. (which they no longer allow the homeowner or their realtor to do any longer) on July 23rd right before 6:00pm a realtor came to my residence and approached my 16 year old son with an offer of $1000.00 if we would be out in 1 week!!!! I had just run to the bank and was not there. On July 24th another realtor rang the bell and said he had been hired by OCWEN to sell the property and that it had not sold at auction, (?) about 10 minutes later there was a 3 day quit notice stuck in the front screen door. On August 6th 'Unlawful detainer' papers were served to my neighbor which required that an 'answer' within 5 days from the date of filing, at that point it was already 6 days past the date it was filed on July 29th. We had to go to the courthouse and file an 'answer to Unlawful Detainer' on August 7th. then on August 14th my nephew received papers for a motion to grant for the plantiff and we had to appear before the court on August 19th.!! 5 calendar days !! WOW !! and August 19th is today and I have been trying to figure out what to do and what is even expected of me in court today and I am a single mother with 3 sons 16, 8 and 6. I cannot afford to pay an attorney to fight this and I think that is what OCWEN is counting on. I am not the only VICITM of OCWEN!!!! I have read numerous stories almost exactly like mne and I feel like since I don't have the financial resources to fight OCWEN I basically am screwed !! I have lived in this house since 2001 and have been making payments on it for 7 years only to give OCWEN more money to be fraudulently led to believe that our home was safe!! THERE ARE CLASS ACTION LAWSUIT IN LITIGATION IN CONNECTICUT AND N. ILLINOIS AND MORE ARE FORMING IN CALIFORNIA THAT I AM AWARE OF!!! Something has to be done to stop OCWEN from RIPPING OFF DECENT PEOPLE THAT ARE JUST TRYING TO MAKE IT BUT DO NOT HAVE A CHANCE IF OCWEN IS INVOLVED!! (sorry for the rambling)
CynOrange, CaliforniaU.S.A.

from: http://www.ripoffreport.com/reports/0/364/RipOff0364432.htm