We financed our house when we bought it with New Century Mortgage, but before the first payment was due, Ocwen Federal had bought the loan from them. The first year I was always on time or early... By the time I was going into the 2nd year, my husband and I had split up for a few months and I was running 2 months behind on the payment... I called to make arrangements and was told I would have to wait til I had 3 payments in full to send the money... I tried to explain to the man my situation and he simply didn't care to listen.
Before I could get a third payment up in full, I was sent a foreclosure letter from Moss Codilis and then from Pierce Ledyard PC... I was told there was nothing I could do... I was trying to get someone to refinance the loan to get away from Ocwen... I again tried to explain my situation to Moss Codilis and again they just did NOT care at all... I hired a company that said they could stop foreclosures which was a ripoff for me as well.
I was told to send $1500 (which was 3 payments, and that is all I was behind) and this could be stopped... My husband and I worked things out and he called Moss Codilis and they apparently listened a little more to him and we were allowed to pay $500 one day and the other $1000 to be due the next month and we had to sign a forebearance agreement stating we would have to pay $650 a month until 10 (we signed the agreement in 10).
We have followed their guidelines, we paid the $500 in 10... Sent the $1000 the next month and were paying $650 a month until they sent a statement in February stating to only pay $600... By the time October got here we were under the impression that forebearance agreement was over... Well guess again... They continue to send statements for $600 with outrageous attorney/collection fees to the tune of $4000 to $5000 and they NEVER did a thing to help me out... I have told them I have a signed copy of the forebearance agreement... They don't care...
My husband called them in February to ask why we still being billed $600 a month when it should have gone down to $496.59... They stated we didn't make all of our payments... We have made every payment by money order (and I have the receipts)... At one time I had forgot to send the months payment and included it in with the following months (which I sent $1200) and I received a call from Moss Codilis stating they were sending the money back that it wasn't enough, we were now due for 3 payments.
I called and left a message with a Supervisor that "If my payments were returned that I would sue them and my house would belong to me and I would never have to pay a dime again"... The next day I received a phone call and was told because of my comments left on voice mail that they had to accept the payments and we needed to get the other payment on in there... I told her I would be glad to do it when it was due again.
This has been a total nightmare for my husband and I... Dealing with these people is unreal... They are never nice and friendly... They never care about your individual situation... All they do is delay their payment posting and add outrageous fees for collection services...
Since February we have paid $496.59... However, they continue to send statements for $600.00... We have asked for over the phone and by mail twice a complete payment and charge history since we bought the house in 2001... They have yet to provide this... They did send a partial, but not complete... I told them I would not continue to send the $600 until they could prove to me where we still owed them...
Now we are getting letters from Moss Codilis about avoiding attorney fees and foreclosure and our statement reads our amount due is $5687.22... Every month they continue to add late fees while they keep and amount in Suspense Balance... This is BULL... And considering we were only behind 3 payments and our total outstanding late charges when all of this began was less than $250 (which would make around $1750), why in the world have a paid an extra $100 to $150 a month for OVER a year now... By the way I see it they owe us money back.
I would like to get the house refinanced JUST TO GET AWAY from them... They are terrible... Absolutely terrible... But I can't get it refinanced because they are reporting that I am 3 months behind still... Which I am not... If any one has any ideas of how to get away from them or what I should do, please let me know...
Thanks
Angie
Smiths, Alabama
U.S.A.
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