On Monday November 29 I wired ocwen $2,453.60. This in addition to the $600.00 that Ocwen has had in its possesion since 11/8/04 totals $3,053.60. This amount includes $2,126.52 which is a total of all the principal, interest, and late charges that were due prior to November 15 (according to a reinstatement quote schedule dated 11/8/04), $508.74 for my December 1 payment, and $418.34 for "collection fees". These collection fees include the 9/15/04 Certified Mail Cost $5.67, the 9/16/04 Certified Mail Cost $5.67, the 10/26/04 Property valuations $107.00, and the 11/1/04 $300.00 Title reports.
Ocwen received a personal check from me on 11/2/04 for $1,629.12 and a wire transfer of $600.00 on 11/8/04. This amount covered all principal, interest, and late fees due until 12/1/04. I later received my check back with a letter dated 11/10/04 stating this amount was not sufficient to cure default. Since they chose not to return the $600.00 at this time I believe they are in violation of the law. I later received foreclosure papers signed by the lawyer on 11/6/04 and by the clerk of the court on 11/9/04. Since on 11/9/04 Ocwen was in receipt of a total of $2,229.12 of payments from me they filed the foreclosure papers unlawfully. Any expenses incurred by Ocwen after 11/8/04 was done in a malicious attempt to foreclose on my home unlawfully and I refuse to be responsible for these charges.
I have been trying to work this out with Ocwen and I have only been communicating with them by email so I have proof of all dates and amounts mentioned, I can also provide proof that if they had cashed the check for $1,629.12 the money was availabe up until I wired the $2,453.60 in 11/29/04. They now refuse to correspond with me anymore because they realize they have given me proof of alot of these dates and realize it may come back to bite them in the butt.
Esmeralda Anglin was still employed as of Friday, 11/26/04. That is the last time I received correspondence from her ([email protected]) You may want to contact her supervisor Rachel Gile. [email protected].
I have contacted everyone on this site that has been listed as someone that may help. Any other suggestions?
0 comments