First off, let me say, i read the report from laura, in mason oh, and i was like, OMG that sounds so similar to my story, i needed to get my story here too, i thought i was all alone in this, unfortuanately, by the time this gets posted, i will have already lost my home.
Here is my story about OCWEN. 19 months ago, my furnace broke down, i had just broke up with my bf, so i went from 2 incomes to 1, so i took my bill money to fix my furnace (big mistake i know) well, i ended up falling behind on my mortgage, and to enter a payment agreement with OCWEN, i had to pay them $1000.00 and increase my payments from 410.00 to 710.00 for 14 months, i had made my 14 payments, and i even paid some months 800.00 cuz i had a little extra to send. I thought i was doing good, i thought, at the end of my 14 months, i would be caught up on my mortgage, and all would be good. Boy was i wrong. At the end of the 14 months. I owed MORE than when it started. And i got a notice of default in feb 07.. So i called them, the man on the phone, said not to worry that my payment agreement was extended for another year. I didnt like it, but i was able to stay in my home, so at the end of feb, beginning of march, i get another notice of default, so i call them again, and i try to explain to the rude woman on the phone that my payment agreement was extended, and she informed me that, in order for that payment agreement to be extended i needed to send them ANOTHER 1000.00 and increase my payments by another 200.00, i told her i could not do that, and she said as long as i continued making my monthly payments that i would not go any further into foreclosure. So at the end of march, i decided to make a full payment every 2 weeks until i was caught up, i even took a second job so i could afford that. I made a full payment end of march, april 8, and april 22nd, beginning of may, i get another notice of default, i call them again and say, whats up? I just made 3 payments in 6 weeks? The guy on the phone was really nice, and said they only had records of 2 payments. The one in march, and april 22nd. I said i have a bank statement here that shows i sent u a payment on april 8th, he said fax it to us, so i did, and then they needed my bank to confirm the payment was sent, since it was an online transfer. So my bank and the mortage company and I, all get on the phone. The bank finds that OCWEN never cashed the check that was sent to them on april 8.. OCWEN says, they are no longer accepting my payments, yet they accepted the payment from april 22nd, made NO SENSE to me. OCWEN then stated, that unless i paid all the money that i was behind they would be starting the foreclosure process, and that was the last i had heard from them
Kinda funny that they foreclose on someone who is actually trying to make payments and stay out of foreclosure. So i dont understand that at all. But i am willing to join any class action suit anyone brings against this company, i have all my records and bank statements...
I am now moving back home with my sister, until i get back on feet
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