I filed 2 reports back in 2001. I want to be included in the lawsuit. Is it too late?
I am willing to be contacted by anyone in Arizona regarding this issue. At least I know I am not the only one in this state affected by this. The more unity, the better. I have filed a report some time ago as well.
I cannot even begin to express any clearer or dramatic than the rest of the victims have concerning the stress and emotional trauma this company has inflicted upon my family. I am in a situation where HUD sold my home to them. I was financially strapped due to a divorce back in 1994, so HUD took over my mortgage on a forbearance plan, which I was told there would be no interest or late fees added to my original mortgate loan.
I did, however have to start paying my regular pament when this time was up. This was the agreement made with HUD. I had been making less payments with HUD than normal per the contract. My home was bought for $89,900. Back in September 1991. Now I owe $81,000 on mortgage and $18,000 in so-called interest arrearage. A total of $99,000.
I don't understand. I was told by HUD that my loan would be extended, and there would be no penalties of ANY kid. That I would just resume where I left off. You really had to BEG and have a Rally, really good reason to have HUD consider you worthy enough to be put on this plan.
When OCWEN took over, they had forced placed insurance on my home, which is required to be maintained. That was fine to go ahead and have that added, but when I had a fire that caused nearly $30,000.00 damage in 1997, all of a sudden, they could not find the paperwork verifying that. I tried to prove that I was paying for it out of my much higher payment, but there was no paper trail on their end. It was quite disturbing to find out that initially, the Fire Chief had called and 1 person said that I would not be covered for Fire, but when I called them, 3 people stated "YES", that I in fact did have insurance at that time, which is required by law they said.
Ocwen never has an answer as to what the allocation is of your payments either. I tried to speak with Supervisors, etc.
By now, you all know what the story is. We have all dealt with them. Since they refused to admit that I had insurance, and I just could not beat their system, I had to move out for a month to re-build, strictly on donations and Red Cross. It is still not back to what it was.
I had made arrangements, at their suggestion to resume payments in approx. 2 months. I took the name of the person, the date, and the time of the conversation, just in case. I had sent a Cashier's check for the Total. I spoke with this gentleman again to let him know that I am sending it on time and to be aware of my payment as agreed. He was very courteous and assured me that everything is still OK, even though I was getting several calls a day by "AMY", the recording you get.
I was also getting "live" scum calling me and actually telling me that I am irresponsible, and that "they pay THEIR bills, why can't I? I am a "deadbeat". This is just the tip of the iceberg and the beginning of the YEARS of harassment, and pure "torture" they have inflicted.
Approx. 2-3 weeks later, I received my money back, even though I caught myself up to date. They told me that I was to now pay attorney fees to keep it out of Foreclosure. I told them that I spoke with "%", and they informed me that he no longer works there, and whatever agreement was made, was not going to hold this off. That he should not have done this, and that it is not THEIR problem I was given bad information.
This sort of thing has happened all throughout the years. Payments not received, even though I had the proof of canceled checks, etc. Phone call after harassing phone call. This is a regular occurrence every single month since 1997. Extra Fees applied, more forced place insurance, even though I provide proof of my own.
I know that I was in a position many years ago that had made me late on only 2 occasions (the fire, and emergency removal of my kidney). I wasn't even a whole month late at that time. I or anyone else should not be treated this way! I have made my payments every month way before the due date. My Aunt has stepped in to be a "third party" witness, and she sends it certified for me ON TIME, which I have proof of.
My credit is completely messed up. I have no credit cards, and owe nothing other than some medical bills, but OCWEN states on my credit report that I am behind 30 days every month, and that I am also behind approx. $21,000.!!!
I am a single Mom who just wants to pay my bills, and keep my home for my children. I cannot believe that I have to struggle like this. I am responsible, and DO pay on time. I have other tumors and I do get sick periodically, but I always work. Stress is one of the worst things for these tumors. Not everyday stress, OCWEN stress.
I have fought for years to keep this home for my children, and I cannot imagine giving up or losing it. They can do whatever they want with NO consequences. HOW IS THIS?!!!
Suzanne
Mesa, Arizona
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