Ocwen Federal Bank are a bunch of rip-off artists who take advantage of people when they are down and out!
I lost my job at the beginning of the year, and I tried as hard as I could in order to keep current with our payments. I unfortunately fell behind and had to make up payments. I found a job so I wasn't unemployed for long. These bastards took advantage of that fact, and kept me in their "help" program as much as they possibly could.
First, they told me that I could make partial payments, so I did, and when they called, I had to remind them that this was the deal. They kept saying "let me check my notes." Well, I'm a collector too, and I know that you are supposed to keep copious amounts of notes every time you speak with a customer. These guys are not doing their job because the answer I kept getting back was "We have nothing indicating that arrangement."
Of course, I kept getting some guy named Haaji or something who could barely speak English.
They also play sly little tricks to get around the Fair Debt Collections act. They will not leave messages, but will call every day. I know they tried to call me every day because their name comes up on caller id. Legally, they have to wait at least three days after they leave a message before they can leave another or attempt to contact you again.
I got a call from one of their representatives tonight. "We have not recieved your July payment" she said. Which is absolute BS because I sent them the payment on July 2 (my payment is due July 1) and I sent it via my bank's electronic banking. Even with the five-day waiting period on e-banking, I was still well within my grace period. They claim to have never recieved the payment, which is always the case with them! Well, I am going to call my personal banker in the morning and have her send copies (front and back) via certified mail to Ocwen proving that I have made every single payment on time, and am, in fact, not late. I will also call upon an old friend who happens to be a lawyer and owes me a favor.
Karma will get back to them. I wonder how the Hindu folks who are being exploited by this bank at their call center feel about that?
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