My family just lost our home to OcwenFederal Bank FSB, due to the same above mentioned problems. We went through the whole process of being paid, not being paid, not posted correctly. One computer screen would show the account paid and the next time we would get the call from them, they could not find our payment as paid. We went through this for at least 6 months. Every month we got at least 7-8 and sometimes more calls from a different representative saying we were late on our payment.
Each time we had to go through the whole scenerio again and again. They promised it would be corrected and low and behold within a couple of days we would get another phone call. It was even suppose to be cleared up a couple of tmes by the acting supervisor on duty at the time.
But, it was never corrected. I ask for copies showing all of our payments. I had to ask several times before finally being faxed an unreadable copy of only a few months of payments. Then they said the missed payments went back to momths prior to what they had faxed and if I wanted those I would have to pay for them. Before foreclosing on our property due to all the so called missed payments, I requested again by certified mail for proof of amounts due, but never received those either. Needless to say they sold our property and put myself, my husband and our two little boys out on the street.
There was even a time when they lost five payments we had made and it was up to us to prove we had made the payments. I had to get photo copies from the bank and send them certified. Do they ever have to pay for their mistakes and the inconviences they cause home owners? No, but we have to pay ever time they hire a lawyer for their mistakes.
Do they take off the last fees or for overcharges they add to your account for insurance they took out on your home because they did not throughly check to make sure they had a copy of the insurance policy?
No, we have to pay and we have to find and make sure the mistakes are corrected. Even then they will not fix anything, unless you can afford to hire an attorney to sue them.
As long as we are trying to keep up with paying all the things they say you owe, in order to keep from losing your home, who has any money left to hire a lawyer?
This is just exactly what they want to happen. Unfortunately there are many of us who are never able to or can even find anyone willing to help.
It is as if the home owners have NO RIGHTS. We are the ones having to prove our position, when we are not the ones making the mistakes.
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