West Palm Beach, Florida
United States - 33409
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.
Admittedly behind on my mortgage payments due to job loss in 2009, and being a new customer to ocwen due to my saxon mortgage being sold to them, I am trying to get a loan modification. They sent me a package of documents to complete, which I did and faxed back 25 pages of information. At that point, they e-mailed a letter to me, saying they were missing some information. Two of the things they asked for sounded like forms, which I asked them to send me. They have not. I've spoken to two different people on the phone - both of whom told me they'd send the forms via e-mail - still nothing. I've e-mailed them, asking for the forms - still nothing. I've tried to call them, and when I finally get through all the automated bullsh— and press 0 to speak to a customer service representative, I get voice mail telling me they are working on my loan modification, please leave a message and they'll call me back within 24 hours. They don't do that. Today I received two certified, return receipt requested letters - both exactly the same - that were notice of default letters. I'm afraid i'm going to lose my home, but i'm trying to comply with their requests. After reading some of the complaints here, i'm even more worried about this. I've contacted the florida state attorney's office, hud, and have the name of a real estate attorney that I will contact on monday to see what my next step should be. If anyone has any suggestions, i'm open to them. Thanks -
Aircuervo - tarrant county, texas
Sorry for many typing errors. Key board is acting up. Just like Ocwen doing as it pleases.
What I didn't say earlier is that all my efforts to resolve the issues with Ocwen intailed many frustrating hours on the phone with clueless customer sevice people that have no more business talking about my mortage than my 13 year old son. The biggest problem besides dealing with clueless idots is that the right hand doesn't have any idea what the left hand is doing. Understand the Hazard Claims Dept. has held this check since Dec.18th 2009. Supposedly they were waiting to see if I was going to rebuild. Yet this is the same dept. that had me write a letter stating why I did not want to rebuild. They were also the people who told me to contact the Loan Retention Dept about refinancing the balance. In the mean time my loan is going into default with out my knowledge. How long will this be allowed to go on before some one does something to stop it. Mean while the customer suffers the consequences of bad credit from being forecloed on. Ocwen obviously knows there is nothing te customer can do about how they were treated. Otherwise they would have mae change a long time ago. They also know there is no one to hold them accountable for their actions like the FDIC does for the banking industry.
Ocwen has no intention of working with any loan modification programs. They are holding out to see if the...
I applied for a loan modification with ocwen,. The offer they returned was higher than my monthly mortgage payment, I tryed calling ocwen and no responce, all you get are automated recording and leave a messoage with someone who cannot say their name clearly, I tryed to talk with the ombudsman office held on for 40 minutes and finally I faxed ocwen and the ombudsman office with no response. People seeking mortgage should not go to ocwen they will let you down, raise your monthly payment telling you it is due to personal property taxes, this is a truth. Toles, c
Ocwen agreed to work a loan modification program with us on 8/20/09. We heard nothing from them. I wrote them in early september 2009 about the current situation, the condition of the home, and offered to provide anything they needed.
On 9/23/09, they sent us a letter stating we were not eligible for hamp because we were not living in the home. On 9/25/09, I fax'd them and told them we were indeed living in the home and had been all along.
Unknown to us, a private "invester" offered ocwen more money for the home, and ocwen went ahead and foreclosed the home without any notification to us as of 10/1/09.
On october 5th, a "cash for keys" man showed up and was appalled because he had been told we were no longer in the home. He told us we had 3 days to get out.
What kind of monsters do these things to people? Ocwen should be sued for its indecent treatment of people.
We purchased our THIRD home in 28 years on Oct 10 2007, Unfortunately we were referred to a lender that was less than ethical. Our 1200 dollar a month payment was originally said told would be 750 per month, until after they had us. Taylor Bean and Whitaker was our mg company, thney have gone out of business as of 8-09. We aspplied for a modification with TB&W FOUR TIMES, we sent FOUR APPLICATION PACKETS OVERNIGHT FED-EX as advised by loan officer/representatives at TB&W. I have all of the tracking and receipt #'s and have compiled a file on TB&W. We've contacted the Florida Atty General as well as the Pa atty General.
TB&W transferred our loan to OCWEN in 8-09 after stating by phone that we were approved for a modification and " agreement papers' were on the way. This was a blatant LIE... they never intended to modify rather they transferred us to become OCWEN customers
OCWEN is now trying to force us into forclosure, they are now sending payments back to us, while stating they are modifying our mortgage. We are not eligible for the home affordable loan because it is a investment property. However I've contacted the AG and congressman in our district who assured us that mnodifications are for EVERYONE AS WELL AS INVESTMENT PROPERTIES.<br />
Ocwen is returning payments...UNHEARD OF???? We intend on paying in full and getting a modification elsewhere but first we are having a FORENSIC AUDIT done to investigate OCWEN and their practices.
We just received notice that the servicing of our mortgage loan was transferred from cenlar to ocwen. After...
After signing purchase agreement and loan documents. Ocwen contract out a company to mow my back yard and take away the debree such as cloths planted in the grass. My pool sweep I took to get fixed and left the hoses. Mind you they hired thiefs they came to the house to mow and broke every sprinkler in the back yard along with the debree went into my pool in which they had drained and refilled as requested after I signed loan docs know my pool is green and gross. They stole my pool sweep hoses (Cost appx 369.00) the bricks that where there and took 1/2 of the cabinets out of my garage. Along with the planters from my yard. Also if all else said. I had tools and new water hose, friends yard tools and ladder and misc new stuff. Also I purchased this house as is with these items there. I have got the run around with amit, poonam, tara, and spoke to selva I have been promised call backs and that this issue would be resolved. I sent emails pictures and still never got a call back
March 2009 my husband and I applied for a home loan moidication under president obama plan. Weeks and months went by we hear anything and when we called we were put on hold for more than 30 minutes every time. I decided to hang up and I called again the customer service was very rude with very heavy accent and asked me why I had called and I told hime I would like to know if your received my packets and faxes and he didn't say anything and put me on hold again. About three months later we received letters after letters stated that they didn't received all paper and missing signuter. The letters we received was so confusing they sent letter date 7/20/09 and my documentation needed to be mail by or fax by 7/18/09, then couple day later we received other letter form ocwen again letter date 7/22/09 and my documentation needed to be mail by or fax by 7/18/09 on and on. Finally, we submitting documentation after documentation as requested.
On august 2009, we received a letter from ocwen that we qualify for loan modification, but they offer us three months trial for $1513 and after that they would work with us. The letter didn't explain much what my future payments would be and we refused to sign the contact. My husband called ocwen the next day to explaning the situation that we couldn't afford the payment and finance solution we are experiencing and my husband asked to see if they have any other options or help. Ocwen reply that they going to sent us a new packet for a loan modification.
10/05/09, we received certified mail from ocwen stating that we own $16k and we have to pay by the end of oct 31th, 2009 or my house would be foreclosure. I couldn't sleep all night because I was to depressed and kept thinking where am I going to ge $16k, if I can not afford $1513. The next morning I called a program hope for help and explaning my situation and hope was on the phone with ocwen and their going to sent me other packet for a loan modification.
Ocwen is the worst company claming to help homeowner and the worst customer service ever. If we all complain your voice will be heard ans we can make a difference to take this ocwen down and file a class action lawsuit.
My husband had a loan through People's Choice Home Loans, who subsequently sold it to Ocwen. About 2 years ago we were solicited by a 3rd party debt counseler, someone who called himself Professional Credit and Forefront Financial Services, located in West Hartford and Cromwell Connecticut. Long story short, he scammed us, promising to negotiate with our lender to secure a loan modification, to which he never did. In fact what he DID manage to accomplish was filing a pro se appearence and bankruptcy on my husband's behalf, FORGING the documents and his signature, and putting us into strict foreclosure.
Because the law day has passed we keep being told that there is nothing we can do, and apparently Ocwen doesn't care if you've been scammed or not. In contacting the Attorney General's office today (9-14-09) I was informed that there IS in fact a pending criminal investigation, and that really all we can hope for is to be placed on a list of other people that this guy has screwed. While it offers little consolation that he's done this to others, we're still out any money that we could have hoped to used to move or hire an attorney, forcing ME to represent us, starting with a motion to reopen the judgement of strict foreclosure. Evelyn Pierre at Ocwen is the woman I spoke with, and quite frankly she was very VERY rude to me, and the last time I spoke with her, convieniently enough she has no record of such conversation, when I asked for her supervisor, she HUNG UP ON ME. They sure as hell don't seem to care that while my husband is self-employed, he works here at home, as an auto mechanic, so if they take our home, they take away his source of income.
If anyone has any ideas on what avenue I can take now, please PLEASE let me know. I can't let my family become homeless. We have children here, and they can't end up out on the street.
I can be contacted by email at [protected]@yahoo.com or by phone at [protected]
I was told I didn't qualify for a loan modification because my income went down and my current payment is more the 31% of my current income. I have a interest only loan with an ajustable rate that I have found out was not done right or disclosed completely at the time of the loan 3 years ago. My payment has jumped $500 a month since I recieved the loan, and if my income had not gone down I wouldn't need the modification. My loan is the type of loan this modification is suppose to be helping. Something has got to be done about the mortgage company not helping like they are supposed to be.
I had a short sale going on with ocwen. They denied the first offer, then the buyer raised the next offer. Ocwen denied it and never informed me or the agent that they denied the offer and claimed that they send be a letter notify me, which to this day I have not recieved. I did call for a month and a half strait and did not get any return calls. Finally I spoke to the lady handling my case just to hear that the house is up for forecloser the first of september. She was not nice at all. So i'm here waiting for a loan modification package to come. Been waiting the whole week!
Our loan is now being serviced with ocwen (Previous'ly with taylor bean/sparta). We modified our loan in may, made all of the payments on time, and ocwen says "we might honor your modification", "in the mean time your loan is in forclosure! What are we supposed to do? We had no idea taylor bean would do this to their customers... They have taken us from bad to worse! I can't get anyone from taylor bean / spara to respond, and ocwen won't answer our questions either!
9/11/2001 my children and I left our home across the street from the World Trade Center and never returned. During the next 4 years, we moved 5 times, due in part to the aftermath of 9/11 and to difficulties involved in a difficult divorce. In 2006 I found a house to purchase. My children and I would finally have a permanent home and we were so hopeful for our comfort and safety. I purchased this home with a loan that I did not like but signed on the advice of trusted bankers, lawyers, and realtors. I was assured that I would be able to refinance the loan immediately and that it would not be a problem. I have been trying since then to do just that. A year ago, I had renewed hope when the state of Connecticut instituted the Connecticut Families Program to help families renegotiate their loans. I was denied participation in this program on the basis of my federal tax filing due to issues involved with my status as a self employed person. In October 2008 I filed an application to renegotiate my loan through Acorn Housing. In February I was told that my lender, Ocwen Loan Servicing, LLC, refused my application stating that I made too much money to qualify for renegotiation. Within 2 weeks I applied again this time through Neighborhood Housing in Waterbury, CT. This time I was told that I made too little money. Next the broker for my mortgage got me in touch with someone at Ocwen. I was sent a package of application materials for loan modification for the President’s plan. I immediately filled in the required documents and submitted them by fax and express mail May 15, 2009. I was told at the time, by Valerie at Ocwen, that I would have a response within 20 days. After the 20 days I began calling Valerie. I only was able to reach the voice mail for Mr. Robert Probil at Ocwen. I left messages nearly daily until. After approximately 1 month I was able to reach Mr. Probil on the telephone. He told me that I needed to send in additional verification to qualify for the Obama plan even though these documents were not on the list originally sent me. I submitted these. Mr. Probil told me I could call him back any time and he would be happy to answer any questions. After submitting these documents I again began calling Mr. Probil to follow up on my application. After another 2 weeks of calling every day, I finally got Mr. Probil on the phone. He did spend an hour on the phone with me asking me questions about my application which made it clear that no one had even looked at my application in these past 2 months. At one point he told me that clearly made too much money to qualify, then he told me I did not make enough. At other times, he told me that he was going to help me, that my loan is a terrible one, that I should not have been given this loan. He also promised that I would be able to get him on the phone, that he had been traveling but that now he would be in his office. He also told me that he was going to make some inquiries and would get back to me by the end of the day. That was July 9, 2009. I have yet to hear back from Mr. Probil and I have not been able to get him on the phone. I have received a new form from Ocwen asking for more information, all of which is a repeat of the information that Mr. Probil received in our phone conversation one week ago. Mr. Probil is the only human being, other than the bevy of “service representatives” in India, who have no authority to help in loan modification. Ocwen does issue a dedicated phone number for consumers wishing to modify their loans which is answered robotically and essentially states that there is no reason to speak with anyone at Ocwen and that consumers requesting modification will just have to wait. There is no opportunity through that call of being transferred to a human.
It is quite clear that Ocwen has no intention of modifying my loan. Their intent is to continue to play cat and mouse with me, teasing me into believing that I can escape their claws and while Ocwen continues to sink their claws in until I am dead.
I am seeking a modification of my current mortgage. I want a 30 year fixed rate with the current market rate of approximately 5%, in keeping with the current Obama guidelines. I would also like my mortgage company to forgive the 2nd mortgage they hold.
OCWEN added redundant and fraudulent foreclosure fees, changed my payoff several times to add more fees that are not even on their fee schedule and more than 45 days after payoff in full AND release of deed they are holding $1, 300 in overpaid interest "for 60 days for more fees"! This company has been a nightmare to deal with, and is the leader in sub-prime ripoffs. I ended up more than $7, 000 upside down on a property JUST DUE TO OCWEN's bogus fees. Do consumers have no rights anymore? I did the right thing and sold my home as low as I could to get out of foreclosure, and they get to add on unlimited fees? It's just not right...
I am reporting ocwen for not having good business practices and having me sign a document fraudulently. We have owned our house for just under three years and have had nothing but problems with ocwen. We have escrow included in our mortgage payment every month. We were actually paying extra when we first got the loan to try and make our principle go down quicker. Unfortunately ocwen did not apply the additional to the principle but instead applied it wherever they wanted. Our home owner's insurance went up after a big storm so they raised our escrow... We paid more each month to cover this. However we get a letter saying that our escrow is short. We end up paying extra to make sure that it is brought current and everything seems fine.In january of this year we get a letter stating that we are being offered a modification to our loan to cover a shortage in our escrow of $900.00. We are concerned and call them and ask how this is possible. We were advised that it was possible because our taxes went up... Ok so our options are... Sign the modification or send them and extra $900.00
The problem that I have is that I work for a mortgage company and have dealt with modifications before. The agreement they sent us was date 1/13/09 and was received on 1/23/09. We had until 1/28/09 to return the signed document agreeing to the modification of lowering our interest rate a little and lowering the payment a little to make up the difference in the escrow over the next three years. My concern was that the modification was to go into affect on 1/1/09 but I received the document on 1/23/09 and had already made my january payment more than what was stated in the modification agreement. I called and advised them that their agreement was not correct in that I could not sign something agreeing to something in the past as that would mean I had already breached the agreement by making a different payment amount than I should have. I advised that the agreement should be effective 2/1/09 and not 1/1/09. They advised that they had sent out a bunch of these letters and that I was the first person to voice concern. They advised that they would correct it and send me a new document... Remember it is in ocwen's best interest to do this because they can earn a higher interest for the month of january by correcting the document.
The other issue with the document was that it said my payment amount would only be $xx. Xx (The principle and interest portion only with no escrow included. ) it did not reference what my total payment each month should be including principle, interest, and escrow. Therefore I could send in my payment and still be behind if I was not aware of this since it was not spelled out in the letter. Luckily from my work experience I knew this amount could not be correct and continued to send the amount I had been paying for the past three years.
I never received the document of course. I called back on january 28th and advised them that I was concerned that it had to be returned that day and that I hadn't go the corrected on after being promised it for 5 days. They advised they could not correct it because once a modification is offered it can not be offered again or modified in any way, which I know is false because the company I work for does this all the time for people to actually work with them.
They advised that my only option was to either sign the document or send them the $900.00 and continue to pay the higher interest rate. I decided to sign the document, even though I legally should not have. I had the document notarized showing the date that it was signed and also sent a letter to them again voicing my concerns of the document that they were forcing me to sign fraudulently since I had no other option and no time for an attorney to get involved.
Of course I have heard nothing in regards to my concerns voiced in the letter. We are hoping to be able to refinance with a different company soon to be able to not have to deal with ocwen ever again.
Ocwen wanted our house so bad in 1999. that their lawyer pushed the case for foreclosure. It went on sheriff sale twice, but Ocwen removed it. In 2000 they took the house back and left it in disaray for ten years. They didnt take over the ownership nor do they admit that they own the house. For the past 10 years they have not made one payment in taxes. There has been squatters living in the house for the past 4 years now. They destoyed the house and that is only the outside! Ocwen's lawyer cant find the records, but they keep looking into our credit report every 6 months. Now Ocwen is incontrol of Freddie-Mac??? What is our govt thinking???? I bet not one person on this board have my problems with Ocwen. They stuck us with a house that is sinking and damaged!
In 1999 Ocwen forclosed on our house. In 2000 Ocwen gave us $500 to clean up and get out before they evicated us. It was a Deed In Leuw of. The has has major settlement damage and Owcen boarded it up after they found out it would cost $35, 000 to repair and bring up to housing codes. About 4 years ago, Ocwen want to give us the house back. We would not take it back. Then Owen had the deed changed back into our name and stuck us with 10 years of tazes. The city cant or wont take action against Ocwen, but city inspectors wrote up the property as unsafe. Ocwen who is running Freddy-Mac after they ruined contactes with HUD and VA are now forclosing at a alarming rate! As for the house squatters trashed the house and stripped it down. If you take Ocwen to court they are no shows or relist and relist. They moved most of their business to India!
sold my home (by default) yet not in foreclosure. They placed my loan in foreclosure status on 3 occasions demanding an exceedingly amount of money to stop the sale. On Jan.15, 2009 they finally did it without my knowledge. I did not find out until I rcvd a notice from new owner to move out. I contacted the new owner, Ocwen and the trustee who handled the sale and they all agreed that the sale was in error but noone would rescind or do anything about it. I actually had over 200K in equity in my home unlike most americans who suffer from foreclosure. So why would the new owner want to give it back? I am out of options as my attorney doesn't seem to be heading me in the right direction. help deanna [protected]