We have had problems with Ocwen from the day we were transferred to them through a HUD sell off. The first contact was that we were three months behind in our mortgage because we mailed our payments to HUD because we didn't know we had been sold and Ocwen said none of the payments were forwarded from HUD and wouldn't be.
They started adding to our basic payment unreasonable amounts of money we couldn't afford to "cure our Ferrell balance". When we couldn't make the payments they threatened to forclose. We ended up declaring a Chapter 13 to save our home.
After making 5 yrs of bankruptcy payments totaling almost 35K, Ocwen still claims that we have a Ferrell balance of about 15K. But, it is too hard to tell because every paper we receive has a different balance.
We are now in another forbearance agreement because they said our mortgage was $3600 in arrears coming out of bankruptcy and that we still have this Ferrell balance that the forbearance doesn't address. Where did all the monies from our bankruptcy get applied?
I have spent literally hundreds of hours on hold to Supervisors who can't help me. I speak to dozens of reps—Patel, Savy, Ashtar, many who have little or no command of the English Language. The original loan resolution officer, doesn't answer e-mails, her phone has been out of order for a month, doesn't answer messages on her answering machine and no one else seems to know how to help.
I need a complete accounting of payments to Ocwen and where they applied them. I get forclosure letters, termination of forbearance letters and more! How can they pursue customers if their own records don't add up? Ocwen lies, cheat and steals and we are all victims.
My husband and I believe they just want our property at all costs! Has anyone gotten any kind of accounting for a mortgage from this company? If so, please share!
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