I've had problems with Ocwen withholding payments sent by mail until late before depositing, years ago, and our home (almost) went into forclosure before I realized what they were up too! After paying all their sketchy fees and penalties we solved this by sending every payment certified mail (I also saved their complete bill, with payment coupon still attached, and sent only copies along with my check), and I did this for years. Mind you it was a hassel, always having to go to the Post Office and paying extra for the postage service, but still it was worth the peace of mind. I did eventually turn to just paying online, which gave me a reciept right away with a conformation # and date immediatly.
We're now having problems again, but this time my husband has had cateract surgery twice, first one in Feb. 2009 with 2 weeks of disabilty, and was layed off due to lack of work from 3/19/09-5/3/09 and collected acouple unemployment checks, and then had his 2nd cateract surgery Dec. 30th 2009 with another 2 weeks off with Disability Ins. (which we all know takes 2 weeks to get your 1st ck from either one of these Companies).
Any way our 19/23/09 bill states we owe we got behind 2 payments and I called them to make payment arraingments. And they told me my only option was to download a file called H.A.M.P ( I think it stands for Home Ameisty Mortgage Program and was something the President propossed to help the Home Owner in trouble of lossing their homes). I offered to send them $1000.00 that day, which would have covered 4 months ( we're lucky because our house payments are only 230.31 a month) they said they couldn't because their system would reject any payment I would try to send them because of being more then 60 days late (our last past due statement was dated 12/2/09 for $239.69). So I tried to download their file and it wouldn't let me saying there were restrictions or we were not eligable & to call Ocwen. So I called them back. This time the girl I talked to said we were'nt elligible for this modification and the only way to save our house was to pay our bill in full which was $1, 510.00 (they were charging us for a $510 Title search and they hold our Title?). I told her we didn't have it! She said she was sorry but that was our only option. I was furious and what I said was really stupid, but I told her that was totally rediculous and that I was going to call the President (the President? Yah right) and complain! And I hung up. I was in tears and was just sitting thinking about who I could actually call to get answers to their $510 Title search (What the heck! If they don't have it. who does? Yikes), when the phone rang, I answered it, and it was the same girl I had just talked to and she said before I hung up on her (yah right) she was about to tell me she was sorry and wanted to apoligize to me because she was wrong about having to pay in full and that it would be fine to make a payment of $1000.00 if we sent it Western Union purchased at WalMart (what a joke! Makes me wonder about a lot of things they told me). I agreed to this and hung up. And by the way Walmart doesn't have Western Union, its called MoneyGram. They also added a Property Inspection fee of $10.50, and a Property Valuation fee of $43.52 also on 2/19/10 (my 1/18/10 bill shows us being charged $109.00 for this same Property Val. Inspection fee not $43.52), which is a bunch of bull. On my newest bill (dated 2/22/10 it reinstates us four times + $28.14 in late charges all dated 2/19/10. which is the day I bought the Money Gram. Here are the four;
Regualar Multiple Reinstatement #1 $258.45+$28.14 late charges ($9.38 a month x 4=37.52-28.14=$9.38 unaccounted for), 2nd R.M.R. $235.85, third R.M.R $284.33, and the forth R.M.R $221.37=$1000.00. On this same bill is when they first show the $510.00 Title search. not included in the amount owed on bill that month. Your get the idea, nothing adds up! I'm calling them in a few minutes to go over all my numbers with me but I've done this before and they never comprehend what I'm trying to tell them. Conclustion: They're Predature Lendures out to rip us off with all kinds of hidden fees! Look out!
A Totally frustrated homeowner