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

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

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.

from:http://www.ripoffreport.com/reports/0/363/RipOff0363771.htm
Callecoco Inverness, FloridaU.S.A.

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

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.
Jenny stafford, VirginiaU.S.A.

OCWEN FSB Raised and Doubled My Mortgage payment to $3700 through Forebearence Orlando Florida

I went to Ocwen fo help after I was laid off from my job and through Forebearence they raised my Mortgage Payment by $700 to $ 2600. I missed one payment and my Forbearence was TERMINATED and it has now been Reinstated to $3700 after I paid $8000 and all of the past due payments. I am struggling to make this payment and fear I will lose my home soon.
I do not qualify for the FHA loan because I am in Forebearence and am currently locked in a 11.5 interest rate with these crooks.

GwenPlainfield, New JerseyU.S.A.

Ocwen Loan Servicing Company jackxxxes - Ocwen took my late mother's ashes

Ocwen bought our house in a forclosure auction! That was a releif! The place had become a nightmare! But we had another week to get completley moved! To make things worse, those jackxxxes took my late mother's ashes. It was bad enough losing her in the first place. This makes it like losing her all over again! All I want is her ashes back! Is that to much to ask! Somebody please help me!
Nkeyes
kansas city, MissouriU.S.A.

from: http://www.ripoffreport.com/reports/0/361/RipOff0361734.htm

OCWEN Mortgage Loan Servicing, LLC RIP OFF SCAM artists

I hate dealing with Ocwen Mortgage. I guess that is a mild understatement. Ocwen bought my mortgage 1 1/2 years ago and it has been nothing but headaches and BS since then. My mortgage has went up twice, without notification and they have messed up my escrow now. We are behind by my choosing, because of the escrow. There is $1024.35 that Ocwen got from us but can't seem to tell us where that money went and/or why. I have done the math and it doesn't work. I changed my insurance company in March to lower my payments. I was paying $4800.00 a year for homeowner's insurance and now I'm paying $2605.00. (Ocwen mailed out payments to both and I am fighting to get the money back from the insurance company that I cancelled with.) Also, my homestead exemption kicked in as of Jan 1st 2008. I called and guess what? They hadn't applied it to my mortgage. I fought like hell to get it in place. (2 months time, BTW.) My payment should have gone down by close to 600.00 a month. But, they called on Friday to inform me now that my mortgage payment has gone up, ironically the exact amount of money that I saved via insurance and taxes to the penny. LOL. Also, to inform me that they don't pay my taxes, although they have for 2 years and it is in my contract that I make one payment, which includes prin+int+ins+taxes. They state that they have paid my taxes to date simply as a courtesy. LOL. A courtesy? How about this, per my contract? They did not have the original contract in front of them and the girl tried to start bullying me. LOL. I don't bully easily. It's simply not worth it to me. Now they have called 26 times since July the 1st and 50% of the time when they hear my voice they hang up. You can hear the typing in the background. LOL. They did call and asked for my husband, and he says 'My wife handles all of the finances.' I kept them on the phone for 49 minutes yelling at them and asking them to get it together. That was pointless. Here is the other funny thing, I am NOT on the loan, I am strictly on the title. Yet, they report it late on MY credit. ILLEGAL!!!! I did not sign, not one document in regards to the loan, my husband did. I have spent so many hours dealing with them and have yet to speak to the same person twice. There is always a different story. I refuse to submit to them and I refuse to allow myself to be ripped off any longer. I am trying to find an attorney who will help start a class action suit. It seems that this needs to be done. Although after much research I realize that the courts usually side with Ocwen. Ocwen makes sure that the venues get changed to where there are more favorable judges (my guess judges that own stock or being paid on the side, it's sad but this is our country.) I have resolved myself to letting go of the property and letting them lose money on their investment. Currently, we owe $326,000. The house is valued at $250,000 in this market. My husband and myself have realized that the stress from dealing with Ocwen isn't worth our health or happiness. Quite honestly, it pleases me to no end that they will lose money in excess amounts. LOL. I have gotten to the point where I actually make fun of the people when they call me. LOL. I know it sounds childish but when you are dealing with them and can't get a straight answer or speak to somebody that speaks ENGLISH, I'm kind of left with little else, except wait for them to foreclose. Which I am doing. I love my house very much but not at the expense of my family. Ocwen's stock has been on a steady decline for about a year and a half. Sound familiar? That was when they took over my loan. My advice to all or some, is simply this: let go. Let Ocwen suffer the loses. I have given up on the fact they will help the situation or fix their problems and I'm NOT going to pay them another red cent. They can kiss my a**. :-) I believe in a matter of time the government will step in and Ocwen will lose their a**es. I will try and find an attorney in the meantime to try and help us out of this pickle, even bankruptcy. If and when I find an attorney that is willing to help ALL of us out and away from Ocwen, I will post his/her name for all of you and every site that I can. I would rather an attorney make money than them. If any of you get an attorney that is willing to handle this, please post their name for others. I wish you all well and hope that you all get away from Ocwen. I read that somebody called them The Mortgage Mafia. LOL. How true. Remember this, it's just a house. It's not worth you or your happiness or your family's health or happiness. It is simply a material possession that can be replaced. Let Ocwen suffer the losses, not you. Life sucks as it is right now don't let them make it worse. Take Care.
Tonya
Clearwater, FloridaU.S.A.

from: http://www.ripoffreport.com/reports/0/351/RipOff0351018.htm

Ocwen Federal Loan Servicing Company Threatened With Foreclosure when I'm Not Even Behind Payments Orlando Florida

ocwen has sent me a modification agreement to my Loan for me to sign, if i agree to sign it i give up all my rights to pursue anything from them but if i dont sign it i could be forced into forecloser on, based on prior servicer fees,previous bankruptcy expenses and legal expenses they are charging me . I'm not behind on any payments nor have any been missed,I have called them many times and it doesn't do any good,calls are rerouted to a call center in india,where you get someone you can't understand, and you get no where. They tell you their research team will get back to you and it could take up to 15 days.
Why is this Company allowed to Operate in this Country and where is the Goverment to protect it's people from wolves like this.it just goes to show you the little people have noone to stick up for them.
Darlapoplar bluff,
Missouri
U.S.A.

from: http://www.ripoffreport.com/reports/0/326/RipOff0326187.htm

Ocwen Bank Complaints - Overcharging for escrow, and interest

I believe Ocwen bank overcharged me thousands of dollars in junk fees, overcharging for escrow, and interest. They refuse to verify charges and then allegedly you are behind and during the request for account information. they allegedly assigned the loan to LaSalle Bank trustees of a 1998 R-1 pass-through certificate.(what ever that is, some kind of security).LaSalle Bank filed a foreclosure the day they were assigned the note by OCWEN. They waited 3 months before filing with the court clerk they were the new owners. I found out Lasalle was the owner the day I was served the foreclosure.OCWEN filed papers with the court they were the owners of the mortgage in 1997 when HUD sold them my loan. When I called LaSalle Bank they told me they had owned my property with this alleged pass-through certificate since 1998. I have never received anything from LaSalle Bank. This case is still pending due to other issues. I still receive bills from OCWEN even though they allegedly assigned this loan to someone else.I would have thought they would be required to notify me of the transfer. I still do not understand how LaSalle can forclose with ownership in securities related to this property that they bought in 1998 but never filed with the court until after they filed the foreclosure, but still have OCWEN service the loan.I may lose my home. My husband is disabled.
All of this smells fishy!


from: http://www.complaintsboard.com/complaints/ocwen-bank-c3896.html

Ocwen Complaints - They are a joke

I am having the same problems with Ocwen all the fees and hours on the phone on hold! I admit I was behind on payments but I made ever effort to fix it I did everything they told me too and am still behind by there calculations! I am considering hiring a lawyer! Dose anyone know any less costly way I can report them and get some legal advice on how to fight them! I had a forbearance plan in place paid it and there was a modification after that they lost my paper work when I sent it in I was smart though and sent it certified! I had to fax them copies of everything! I now find out they have been miss applying my payments to the old forbearance plan not my modification!
UGH HELP!


from: http://www.complaintsboard.com/complaints/ocwen-c60123.html

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

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.
Jenny stafford, VirginiaU.S.A.

from: http://www.ripoffreport.com/reports/0/360/RipOff0360418.htm

Ocwen Federal Bank Ex-employee Perspective on Ripoffs.....willing to help in any way...they are scamsters...FINISH 'EM

Hi ppl......my names' Rick....an ex-employee of OCWEN India.......well i worked with ocwen for a lon time...abt 2 years........thats when i came to know abt the scams that were runnin within the organization.....i tried.....(in my meagre capacity) to let my voice be heard ad stop the fraudulent over-charging of innocent borrowers.......i even took it to one of the board meetings.....but what i got out of that is i lost my job....fired on grounds of IMMORALITY......and was left with word in the industry ensuring that i got no other jobs.....Regardless....i know and have insider info on ocwens practices and frauds....please let me know how i can help.....BRING DOWN THE 'BAD FOX.......'
RickyOrlando, FloridaU.S.A.

from: http://www.ripoffreport.com/reports/0/124/RipOff0124335.htm

Ocwen Federal Bank Has The Federal Courts stepped In ???

Like many of the truly horrific stories on here, My Wife and I have been battling Ocwen for pretty mcuh 6 years since they bought our mortgage.
false paperwork..not crediting monies..finally we did the bankrupcy thing to save our house(we have 5 kids)
Our attorney has filed suite against Ocwen for only one of the many things they have done. Hopefully we have been trying to refinance our mortgage with someone else. Our attorney told us that since Ocwen has so many lawsuite against them that they are putting all the cases in some sort of pool. In one location appparently
Does anyone have information on this...The other question that bothers me is if so many people - GOOD FAMILYS - why isn't nnyone on a government level doing anything about it.
If you or I got caught in grand theft we would go to jail. In most states the 3rd time you go for life...WHY ISN'T ANYONE DOING ANYTHING.
I read on here some people having problems ...get an attorney now...today...don't wait...Do not send money to one of those Stop the sale people....they are in bed with Ocwen.
WilliamHarrisburg, PennsylvaniaU.S.A.

From: http://www.ripoffreport.com/reports/0/238/RipOff0238349.htm

Ocwen Federal Savings Bank Ocwen Stole my home ofter 16 years

As stated to many officials, attorneys, help agencies; Ocwen Stole my home!In March of 2003, after reinstating a new forebearence agreement and payment made, Ocwen took me to court and within 3 weeks, I was ordered to move.
I was taken by legal persons who stood before the judge with me, I never got Legal Assistance help which one of the judges referred me too. I got help, but Ocwen lied to them and wouldn't cooperate. I can't tell it all, but I have every document. I have been homeless, embarrassed, devistated, and overwelmed by representatives who offered to be the peoples support and allowed these thevies to do this. Now in 2008, homes are being loss daily. I believe that God is using me, because my home was a blessing from him. I've learned a lot, but until Ocwen answers; I'll never be complete. I feel for everyone who has endured their evil, but as God gives me strength--we'll all be blessed. If you want details, I have them.
Thank you!
Connie in distress for life
Chicago, IllinoisU.S.A.

from: http://www.ripoffreport.com/reports/0/358/RipOff0358363.htm

OCWEN LOAN SERVICING Ocwen Blatantly Lying To Decieve

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 Financial adding unknown charges and falsifying credit report lateness, harrassing phone calls causeing undue stress

After one year of payment on time, Ocwen started charging hidden charges such as(12.95). After only being late once they sent my money back and added on charges ranging to 2 thousand dollars.
They kept sending my credit report false info stating I was late every month some times 90 days late.I was not, I contacted them they told me it was in forclosure and I paid them over 6 thousand dollars being a stupid young lady, this stopped that proceeding then every month they would send back my check stating I was a penny or ten cents under my payment.Now they tell me it is in their forclosure system again.
I am desperate I don't want to lose my grandfathers house. I can't get out from under them because they have ruined my credit and I will lose the only thing left of my grandparents.
Rachel Oldtown, Maryland U.S.A.

From: http://www.ripoffreport.com/reports/0/358/RipOff0358060.htm

Ocwen raised our housepayment to almost double

They raised our housepayment almost double within less than a year and was charged for outrageous fees.
We lost our home.
Stonesaginaw, MichiganU.S.A.


from: http://www.ripoffreport.com/reports/0/354/RipOff0354918.htm