I have been going through this for the past four years with Ocwen trying to foreclose on my home. I wasn't going to give it up with out a fight. We have been to court three times and so faar I have prevaled all three times. It started with a refy with BNC Mortgage in Denver, they in turn sold my loan to Options One who in turn sold it to Ocwen Federal Bank. I made my first five payments then had received a letter (which I still have) that Ocwen had gotten my escrow from Options One and Ocwen in turn was going to use thoses funds for a mortgage payment. Then after that my payments were being sent back with a letter INSUFFICENT TO CURE DEFAULT. Of cousre I had no idea what was wrong. Then when we were tyring to buy a home in Parker my credit rerport had a foreclosuer on it. What the hell was this.
I even got a letter from Ocwen showing a $2369.65 credit to my account which turned out that they had applied someone elses payment to my loan.
Went to court the first time in July. They tryed a rule 120 motion, which is trying to auction off my home. The judge dismissed it until August so I can show just cause why the judge shouldn, t rule for Ocwen. They told me they were foreclosing for non-payment in November.
Went to court in August. Gave the copy of letter from Ocwen and the attorneys mouth hit the floor, its amazing but attorneys don't like to made looking like an ass in court. He wanted to know why I hadn't given him a copy of the letter. I told him I wasn't his client so its not my fault that Ocwen didn't prepare him with all the documentation he needed. From the first time they sent my first payment back no one from Ocwen would answer a phone call (SURPRIZE). Scott Bell, attorney for Ocwen, asked the judge for a recess and came back on the speaker phone with someone from Ocwen. He admitted that Ocwen had maded a mistake and that we could agree on a settlement. Not even close. I sent what I was requesting and they deniened that. They went throgh three more lawfirms and every time they sent me a threating letter I wrote back and told my side. Never heard from the lawfirms after that I heard from three other guys (not sure if they were attorneys or worked for Ocwen. They wanted me to pay all their fees but didn't want to pay mine. The last guy I talked with on the phone said that Ocwen would wave all fees if I would make all the back payments. I refused. We went to court again May and agreed that I coul sell my home. Got three contracts on the house. Called the new attorney for him to get the payoff, it told over three weeks to get the payoff information. I was going to make $23,000 profit on my home. When Ocwen found out how much I was to get they decide that now I was to pay all the fees. So they wanted all the profit on my home. So I said we have another court date in August, I'll just wait until then. The attorney told me if they lose in court again then they will appeal to a higher court. That tells me that they want my home so they can sell it and keep all the profit. I friend of mine found this web site and to see that there is a $1.5 BILLION law suit against Ocwen was justifling. I hope Mr. Hanson gets this done. Why does the attorney general allow Ocwen to operate in Florida like this. This BANK should be shut down. Are they not subject to a check and balances by someone? You can add one more who is being f#ed by Ocwen.
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