I had a mortgage with Ocwen Mortgage Company, which I started to fall behind a few payments due to the amount of each monthly payment being so high. I contacted Ocwen, and was offered a new stipulation agreement. The woman reviewed all my financial statements and then contacted me to review the terms. She offered me a reduced loan amount actually back to the original amount of the loan; also lower monthly payments and a lower interest rate. So, a next day I receive an e-mail with the approved stupulation agreement. Well needless to say the agreement that I received in e-mail was not even close to the terms that I was offered. I contacted Ocwen trying to get in touch with the woman, which I had previously spoke with. Ocwen's representitives gave me a run-around I spoke with 10 different people that day and explained to each the situation; I was told no one but the person who offered the agreement could assist me and I was told that she just happened to be on vacation. Luckily, I had her e-mail address due to the previous agreement that was sent to me. I e-mailed her explaining everything that I have been going through to try and resolve this matter and to reach her, because everyone else I spoke with stated that "they could not help me". The woman responded to me that day curious as to why no one at Ocwen would assist me she seemed a little upset with it and offered an apology. The woman then sent me a revised agreement that was exactly to the terms we had discussed. I reviewed the information throughly and everything on that agreement was ligitimate. I verbally accepted and was told that I had 10-15 days to respond completely by sending the first payment of the new agreement. 3 days before the dead line date I called to wire a payment and Ocwens automated sevice would no longer accept my social security number or my account number. So I waited over 45mins on the customer service line to talk to someone and when I finally got thru to someone I was told that I no longer have a mortgage with Ocwen and the house is being foreclosed and I would need to contact a realestate agent to find out any more information about my house.
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