On August 8,1994 my husband and I contracted to purchase a home located in North Pole, Alaska from a very nice lady, Shirley A. Hanson. Because of the home not being up to code in a couple of areas, the home was owner financed. Four days after we signed, there was a catatrophic fire, later determined to be arson, the number one suspect was... Roger, Shirley's husband.
Fast forward to January 13. After a lengthy illness, Shirley passed over. Then the nightmares began.
After constantly calling us and stating he wanted to cash out and the home to be financed, we finally agreed to sign a new contract with Roger.
In the new deed of trust, the selling price was listed at 126,500. The down payment amount listed was 46,000. This is our equity as of May 20.
Something over a year later, during which time our payments were made by electronic wire transfers, we received a certified letter from Moss Codilis stating we were in default and that they were beginning foreclosure proceedings. We received this letter on July 31. Approximately 3 weeks later, my husband received a phone call from a Phyllis who worked at Ocwen. She indicated that all problems were resolved and promised to get payment coupons right out to us.
Here's the thing. Roger sold the note, we were not notified, so, of course we made the payments to him. When Ocwen demanded the payments for June, July and August, they we told the payments had been made, when, to whom, the account number, and the confirmation numbers. They were also sent the declarations page of our home owners insurance showing them to be loss payee.
Since October we have fought constantly, trying to get a pay-off amount so the home could be refinanced, trying to get the so-called past due amount, anything to stop the process of losing our home and our equity.
They have resorted to un signed, un-notarized, un-filed thinly veiled threats, name-calling, and libel.
On June 23, they filed paperwork requesting an immediate order of forcible entry and detainer. We received copies of this paperwork on... July 24. We are not going to have time to get our stuff in a row and as of August 7 we will lose our home.
This company is going to cost me my home, more than likely a marriage of 25 years duration, and my sanity.
Ocwen Federal Bank, and their pet law firms, Moss Codilis in the Lower 48 states, and Rauth Crabtree out of Anchorage, Alaska, should not be allowed to ruin lives and shatter dreams.
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