Ocwen Loan Servicing / ocwen forclosure
Last year I lost my job after 7 years of working as a media and advertising executive. At the time my mortgage loan was being serviced by taylor, bean, and whitaker. They were more than happy to enroll me into their loan retention program. Well after 3 months of consecutive trial payments they out sourced me to a company called sparta. At this point the decision was suppose to be made to re-modify my loan. Well on august 7th taylor, bean, and whitaker announced it's bankruptcy and my loan was sold off. To bank of america. Immediately I contacted bank of america, who I do all my personal banking with and they assured me that they were fully aware of the terms and conditions which I left my previous provider with. I was told to expect contact from them sometime in the near future. On august 12th I received a letter from owen loan servicing that they had purchased my loan from bank of america and that my statement would be mailed out before the sept 1, 2009. And if I had any concerns they would be available to discuss them at the 1-800 provided. Now when I called them I got an automated message for customers who's loans were recently transfered to ocwen. On august 18th I received my first mortgage statement that said my payment would be due in full september 1st, 2009 in the sum of 8, 000 dollars judging from the outstanding payments that I didn't make while I was working with taylor, bean, and whitaker. Immediately I called ocwen to inform them of my situation. They told me that I needed to resubmit my application for hardship only I had to fill out their paper work instead. They told me to submit all paper work in full and my application would be considered. They said if for some reason that I wasn't approved for the application I would be contacted via email or best contact method. Well surprise, surprise 2 months go by and no contact has been made. I get a foreclosure papers in the mail from ocwen telling me my home is now being moved to foreclosure status. I call back in to ocwen and they tell me my application was denied 45 days ago because they would not consider unemployment a source of income. Now it's 30 days before the sell of my property and they tell me the only way I can save it is to get a job and submit the offer letter. Just 5 days before the sell date I land a full-time job working for a cell phone provider. They push the sale date back another 30 days and tell me that I have to submit at least two paycheck stubs. On december 23rd, 2009 they send a notice that they are waiting for 2 more documents with my signature they tell me that I must have the documents signed and turned in along with it's original email no later than january, 22nd, 2010. I turn the paper work into them by january 14th. On january 18th, 2010 I got a new mortgage statement and I see where they have reset my loans and started me on a trial payment plan. On tuesday february 2nd, 2010 ocwen auctioned off my home and it was sold. Hello! How can they foreclose when I have already made the first payment. Now I have notices coming to the house saying I must vacate my home and ocwen has my money, won't answer the phone, and won't answer my emails. Meanwhile i'm trying the stop the real estate agents from forcing their way into my home. Why is ocwen doing this to their customers? I can assure you one thing is true, they have outsourced business to india and you get the same voicemail every time you call and never a live person. Ocwen must be stopped.
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