After our mortgage was sold by Litton to Ocwen there were many discrepancies and for months I continued making our payment and were never late until they started reversing our payments and I didn't even realize it! The first mistake - Litton didn't record (supposedly) our last payment of Aug and so from the get go our statement from Ocwen stated that we had a past due payment! We could never get them to answer the calls, emails, etc. - The second mistake the address was wrong ~ our street address on the statement was followed by a apartment number!!!
When we finally were able to get someone to respond they told me that Litton didn't report our last payment and we now had to jump through hoops to prove it! This is the reason why they started reversing our payment so it was nothing we had done wrong. Then they said that we needed to prove that our house was a house and not an apartment - before we could do a home modification that we never would have had to do in the first place if the purchase had been done correctly! They said we could not make payments until the modification was done.
Friday, July 27th we came home and found that a letter had been delivered from Ocwen with a proposed modification. It was dated July 17th and they were demanding to have us sign it and return it with a certified check and it has to be received no later that August 1st! Our hands were tied all weekend, could not reach anyone at the number that they gave in case we had questions with some bull* message with the first American voice that we had ever heard from the this company ~ the first words that we could actually understand without a heavy Indian accent.
The proposed modification agreement is so open ended in the definitions talking about how they can change it, and details at their discretion, how the payment may or may not include taxes and insurance and how there may or may not be a balloon payment after ten years... I could go on and on... This all kinds of wrong. They are not trying to help us keep our house. We don't even know who owns this company. For all I know the owners could be from India and they are trying to talk property from Americans!
Who are these people and how are they able to do this to people. My husband lost is job of 12 years with the same firm over two years ago and we still kept up our house payment until the sale of our mortgage to Ocwen and then all hell blows loose on us! We would be happy to join a class action suit! Bring it soon! We are going to file a complaint with FTC and contact HUD and a Real Estate Attorney. We left a message at the number that Ocwen put in this proposal that we were not given enough time to respond and will not respond until our attorney looks it over. Ready and Fighting mad in Texas
0 comments