OCWEN BANK Stool my home

Hi, My name is Janet Purdy, at 7866 Mansion House Crossing, Pasadena, Md. 21122, 410-437-5275 fell free to call me. Please read the whole story. I need HELP.Ocwen Bank has stopped every action for me to save home they used a trustee that came after me like it was personal. And since the buyers bought my home two times at auction the first time for 235.000.00 and the second time for 191.000 I am thinking Bierman,geesing, & ward the trustee had deal with Dave & Sharon Wuest the buyer. My home is worth 352.000.00, I will be only getting about 20.000.00 which the trustee is going hold until July, my family and I will be homeless by evction in about two weeks. Do to me being disabled I do NOT have money to move and we have no where to go Maryland has NO help for use the selters have waiting lists. I am also a widow since 2005 and I gave Ocwen every cent I had my payments where not appiled to my correctly.I am disabled; caring for her elderly mother with a heart problems moms 80 now and a special needs child and one child in school until June he's 15, all will suffer irreparable harm should this court allow Respondents to fraudulently move forward with their illegal eviction. This is only a small part of what happened to me there is much more to my story.And why is it the opening bid opened for less and less money? ILoan documents signed May5,2007 for refinance of my home with 1st Metroplitan mortgage this could have saved the home, but the TRUSTEE, Bierman, Geesing and Ward REFUSED to take the money to pay off the loan and the home went up for auction on May 8,2008. Notice of pending auction received eight days before aution byJanet Purdy. At that time the house was appraisaed at 350.000.00. Auction took place May 8,2008 the opening bid was 263.000.00 and sold this sale was RATIFIED AND CONFIRMED a Motion was filed for unclean hands the sale was recinded because of payment disputes.Loan documents where signed Sept.9,2007 my appraisal was done on Oct.1,2007 the home appraised at 352.000.00 payoff quote was faxed to SRI Mortgage on Oct.5,2007 from Ocwen. Some time in Oct.2007 my home was auctioned with an opening bid of 235.000.00 NO Notice was sent to me via by certified mail or first class mail on Oct.31,2007 Dave and Sharon Weust came to my home and handed me a one page note that they bought my home at the opening bid of 235.000.00 which was RATIFIED AND CONFIRMED my Motion for a Stay was not ruled on at that time. That auction was taken back, because of lack of service by the TRUSTEE, I was told my home was going to auction again in Jan,2008 it was on the auction list for Jan.,2008 at some point it was moved to Dec.28,2007.Loan documents where signed again with another Motrgage broker a payoff was requested from Ocwen but it was never sent to my broker which stopped the process for my refinance. Again NO Notice was sent to me about another auction the opening bid was 191.000.00 this time I was NOT notified by Certified Mail or by Dave and Sharon Weust until after the house went to settlement taking away rights I had to file a Motion or fight for my home. Which would be a violation of my rights.[In Violation of ]: The Fourteeth Amendment to the U.S.Constitution : 'No State shall...Deprive any person of liberty, or property, without due process of law'[Article 24 of the Maryland Declaration of Rights:] '[N]o man ought to be taken or imprisoned or disseized of his freehold, liberties or privileges, or outlawed,or exile, or in any manner,destroyed, or deprived of his life, liberty or property, but by the judgment of his peers, or by the law of the land.' I do not no where to go or what to do. My mental state is so bad I can't think any more, I did appeal the eviction but I don't think that will help and I aiso appealed to the speacial court of appeals but I don't think that will work. So I just keep packing I do not where I will put my stuff and I know I will lose my pets that I LOVE every much. I know I have failed myself and my family, Life is just not worth living any more.
Thank You,JanetPasdena, MarylandU.S.A.

Ocwen Loan Servicing Escalated payments, failed to credit payments or credited late, refused payments while in forebearance negotiaions, then wants $1

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

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.
MegBurleson, TexasU.S.A.
http://www.ripoffreport.com/reports/0/396/RipOff0396544.htm

Ocwen They can produce the original promissary note. Without no contract--No contract, no Owcen Friendswood Texas

This may help. I note sure of your laws in your state. It work in most states. I have had the same problems with Owcen--taxes, late charges, no one that speak English.....I found out in the law school I'm attending, They must produce a the original promissory note. This is impossible because there's never one. When someone goes court on must of the foreclosures any state, the lend-holder's attorneys always produce the a copy--never the original. You must sit down with the lender and see if they have original--most of the original notes are located in foreign countries in which it takes sometime years or a life time to produce . Just think about it, if you had a car and some one stated it not your. Could you get away without showing proof of ownership with a copy of the title.The judge would send you back motor vehicle department to get original. With a promissory note there is only one. Since most the notes are sold the dulling--they can only produce a copy. You must show the original car title. The same with Lenders. Don't let them fool or scare you with all their fantasy words meant to intimidate you. Most of my friend have won and have taken their houses without paying another note. It your choice. Lets take back America.Next, since most of the dullings like Owcen which falls under the F.T.C laws and by-laws, must follow strict regulations. For example, If you send a letter like the one below, you can suit if they write your back. You are telling them, they are require by for you to take this up with the original lender-holder--which there is none. If they do, file a compliant with the F.T.C.Ref: Centerpoint Energy Enetex\Account Number: Dear Sir, This letter will serve as your legal notice under Federal Law that regulates the activities of collection agencies and their legal representative. You are hereby notified under provisions of Public LAW 95-109, Section 805-c, The Fair Debt Collection Practices Act, to hereby Cease and Desist in any and all attempts to collect the above debt. Your failure to do so WILL result in charges being filed against you with the State and Federal agencies empowered with enforcement. You are further warned that, if any derogatory information is placed on any credit reports after this notice, it too will result in action being taken against you.As it is my position not to recognize and/or work with collection agencies, I will settle this matter with the original creditor.GIVE THIS MATTER THE ATTENTION IT DESERVES.Sincerely(your name)cc: FTC—Mr. StoneLeefriendswood, TexasU.S.A.

Ocwen Loan Servicing, LLC Unable to get Modification on Mortgage and False Notices for Mortgage Foreclosure Sale

We recently hired a company to help get a forebearance and a modification on our mortgage (which was a scam), we were informed to we were not aloud neither options with our mortgage company. We informed this on 1/13/09, one day before our sale date, (we also called Ocwen on this date), which was suppose to take place on 1/14/09. We called an attorney and were told that because it was a day before the sale date there was nothing we could do. We decided that we could not afford the amount of money Ocwen wanted, which started at $5749.30, then went up to $9799.84 on 1/13/09, so we let our home sell, or that's what we thought. On 1/16/09, we recieved another notice of mortgage foreclosure sale set for 1/21/09, with the reinstatement cost at $13766.11. When we recieved this notice we call the County Sheriff and asked if there were any sale dates set for us on 1/14/09 or 1/21/09, the sheriff office informed us that there was no such date set, nor was there a sale on 1/14/09. On 1/22/09, we recieve yet another notice, which included a Notice of Mortgage Foreclosure Postponement for the sale that was suppose to take place on 1/14/09, which of course we know never was even set. So now we have another notice of mortgage foreclosure sale set for 1/28/09, (which was put on a plain white piece of paper), this date is truely scheduled for said date, confirmed by the sherriffs office. On our pink colored paper that is titled Help For Homeowners in Foreclosure the date for the sheriff's sale is typed in as 1/21/09. There no reason that people should be mislead this way, and the notices are suppose to be serious not a means of buying time to make more money for themselves, nor should they be used as a means to scare people. We are left with no time to negoticate our mortgage, and we were almost unable to file bankruptcy in time, because we were mislead. If we hadn't called the sheriff's office about the sale dates, we might have been to late, and now instead of modifing our mortgage we are stuck with our high interest rates and $320.00 more a month payment for the bankruptcy. So in all we have lost also most $7000.00 to save our home. Please let us know if this has happened to you, or is happening to you. And if anyone has any information as to who we can contact for help. We are interested in filing a lawsuit.
JamilesEden Valley, MinnesotaU.S.A.

Ocwen Loan Financing THE UNFAIR PRACTICE OF OCWEN AND RUDE BEHAVIOR OF THEIR EMPLOYEES Carol Stream Illinois

In Late August, 2008. I had gone through a third party Loan Company to try and refinance my Mortgage but like most Americans I owe more than the House is worth. So they suggested a loan modification. I paid out over $2000.00 to have this done. On Novemeber 3rd, 2008 I received notifcation via telephone that the modification was granted and that my new payment was 885.69 from 1485.00 and that my first payment was due on December 1st, with no payment due in NOV. I was happy but I didn't get the paperwork till Nov 10th, 2008. When I did, I noticed that there was another 1485.00 due by Oct. 30th, 2008. I immediately contacted the third party. They said they would research it. On November 28th, I received a very rude call from Ocwen stating that I owed another 599.00. I didn't understand why and when I tried to explain things about when i got the paperwork and that I mailed Dec. payment. Then I was threatend by the Ocwen Representitive that if I didn't pay the 599.00 the loan Modification would be revoked. The rep became angry so I told him that I would pay the payment but I thought it was bull and that as soon as I could I would find another bank. That night I wrote a check for the remainder of the amount and mailed it on the 29th of Nov on the way to work. I then mailed the 889.56 for Dec. payment of Dec. 5th which they got on the 10th of Dec. On Dec 22nd. I recieved a phone call from Ocwen again saying I owed another 799.00 for Dec. Payment. I asked why? The reply that I got shocked me nd pissed me right off. They told me that the loan modification agreement was revoked and the payment was returned to the original loan agreement. When I asked why they said because I didn't send the payment by Oct 30th. When I tried to explain that I didn't get the paperwork till Nov 10th they didn't care. I have now written to two State Congressmen, Channel 9 WFTV news, The State of Florida Attorney Generals Office and Everyone I could think of.
CarlosDeLand, FloridaU.S.A.

From: http://www.ripoffreport.com/reports/0/409/RipOff0409662.htm

Ocwen Financial Corporation Loan Servicing Ocwen Loan Servicing, LLC Ocwen has made over $17,000 in excess and modification charges they won't prove t

I almost lost my home due to loosing my job and at the same time my loan went from 8% to 11.25% in a years time. They were nice enough to offer me to enter into a forbearance agreement to reinstate my loan with agreeing I would be refinancing with them with on-time payments during my forbearance agreement which was for 6 months. The payments had gone up from $806 to $1551 a month. Right away I contacted a Realtor to put the home up for sale and she refused to touch it because the county had a red-flag marking my property up for sale. After long drawn research with the county and Ocwen turns out Ocwen had put up the property for sale/foreclosed, without even a notice to me. So now, I find out that my original loan of $108K is now a total of $121K. Time and time again requesting detailed charges from them they finally send me a spreadsheet with a tremendous amount of charges such as appraisals, certified mail, property inspection fees etc. All which they refuse to furnish me proof. They have two to four appraisals and inspection fees and over 5 certified mail fees posted to my account. This is outrageous. Seems they want me to loose the property.
Exene Lago Vista
, TexasU.S.A.
From: http://www.ripoffreport.com/reports/0/409/RipOff0409147.htm

OCWEN Loan Modification From Ocwen - Very Very Terrible Service !!!! Orlando, Florida

I recently was approved for a loan modification from Ocwen. They requested I put down a down-payment for 'X' amount, but needed for me to sign a 'loan modification agreement' first before I pay this down-payment. They mention I should recieve this 'loan modification agreement' within 7 to 10 business days. I wait and wait and still no 'loan modification' in the mail. I call and let them know I've not received the 'loan modification agreement', so they said they will go ahead and re-mail the 'loan modification agreement'. Till this day 10 business days have passed and I have not received this 'loan modification agreement' by mail so I called back the second time and told them just to e-mail it to me instead, this was just getting ridiculous. The 'loan modification' was supposed to have already been signed and sent (faxed) back by a specific date. Now that I've printed it from the email, I call Ocwen to notify I recieved the 'loan modification agreement' by email 'FINALLY' and they told me its too late to send it in....'what kind of crap is that !'* This company is terrible all together, customer service is terrible / they have a 'I dont care about you' type of atitude. They just do NOT understand and care. I've had Countrywide in the past, there customer service were pretty sharp compared to these knuckle-heads.....* The Feds Need To Shut This Company Down - Too Much Bad Is Coming From This Company And VERY Low Confidence w/ Among Its Customers/Consumers !
JonColorado, ColoradoU.S.A.
From: http://www.ripoffreport.com/reports/0/408/RipOff0408998.htm

Ocwen Loan Servicing our # 1 priority, is lying to you, not helping you Orlando Florida

In 2004, I refinanced with Ocwen. At there request I got mortgage protection insurance, with Aig insurance. It went down hill from there. Fast forward to December of 2007. I had a back surgery & was out of work for 3 months. I am self-employed, & have BCBS. When I got home from hospital, I called Aig to file a claim for the mortgage payments, while I was out of work. They said it was a invalid claim & refused to make any payments, & that the only way they pay this type of claim was if I fell out of a mail truck, while plowing snow, in the desert. That's another report. Anyway back to Ocwen. I was coming up on 4 months behind on mortgage payments, & I called Ocwen, & told them I could make 3 payments in 2 days, which was $ 4800.00. They said that unless I paid all the late fees, penalties, which, totalled according to them, $6200.00, they couldn't accept any payments. I hired a loan modification company on May 18, 2008. As soon as Ocwen was contacted by the mod company, Ocwen started foreclosure proceedings, with a sale date of August 13, 2008. For some reason, after going thru 4-5 reps with the modification company, the files finally got sent on 6/17/08, to Ocwen. After 3 weeks (7/10/08) Ocwen needed updated financials, to see if I even Qualify, for a mod. 7/22/08 they said they could do it but needed more documents, the same ones that were already sent to them 2 times. They agreed to a special forebearance type II, which is supposed to be a 90 day payment break, while modification is prepared. my payments went from $ 1561.00, per month to $ 1751.00 per month, plus escrow which I never had before, so now my payment is over $ 1900.00. It still took another 3 weeks to get it finalized, on August 12,2008, 1 day before saleSo, a quick recap, used Ocwen recomended insurance, got shafted, tried to make arrangements with Ocwen, got no help, used 2 loan modification companies, didn't see much negotiations. After all was said & done my payments went up $ 389.00 per month & my principle went from $ 189,000.00 to $ 202,000.00. Apparently their first priority is not helping the homeowner, keep there home
Bob Apex, North CarolinaU.S.A.
From: http://www.ripoffreport.com/reports/0/408/RipOff0408847.htm

Ocwen Mortgage Company Trying to modify loan for 4 months Orlando Florida

My husband was laid off of work about 4 months ago. We contact Ocwen within a couple of days of him getting laid off and told them we may be late or may not be able to make mortgage payment. They said to send them bank statments paystubs copy of unemployment info 2007 tax returns w-2 forms I did, I have faxed them 5 times. each time to a different number that they asked me to fax it to. I call them today and they say well your loan was just transfered to this dept and we do not have any of the things we need. I started to get P.O.'d I asked if I have previously faxed the info 5 times would it not be in the file. He said no that they do not have the info and we need to refax.This has been going on for months I need help, I have been in my home for 11 years, I do not want to loose it now. we refinanced to upgrade the house and all the money went into doing that and now I may loose it because they will not help and they could care less. Another question: why the heck am I calling Orlando and it gets transferred to India or some other country. I live in America and would like to speak with someone in America that understands what the market is like here. Someone that actually understands where we are coming from and acutally cares.
Mel Riverview, FloridaU.S.A.