My mortgage was sold to Ocwen in the summer of 2009 from another company. Ocwen immediately began calling me, not even telling me who they were, but asking me for my social security number. Of course I would not give it to them without knowing who it was. They continued to call 10 plus times a day before I did finally inquire what they wanted. Their English is broken (they are Indian) and they could barely get out what they wanted. I am hard of hearing as it is so I asked them to converse with me through mail. They began sending me notices that my mortgage wasn't being paid. It was being paid and to their address, in their envelopes, and checks were being cashed. Then they began stating that insurance wasn't on the house. It was and my insurance agent faxed them numerous times the policy. Then they stated that there had been a lapse. There was no lapse, again, the agent tried to speak to them but they refused to listen. Now, they say that we have several late payments on the account, when really we don't. This is effecting my credit and I am very, very concerned.in October we received a notice that we had an excess amount in escrow and so they were reducing our payment. The next week, we got another notice saying that we would get a check for excess escrow. The next week we got a notice saying that our payment was going up because we had no escrow. I have piles and piles of paperwork and never know from one month to the next what my mortgage is, even though it is a fixed mortgage rate. I feel like I am living in a mortgage nightmare and in all of my 50 plus years have never experienced such a fright. I even tried to refinance just to get another company, but with the economy in such turbulant time, it is pretty much not going to happen. Every night I just pray that my mortgage gets sold.
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