In June we refinanced and were positioned with Ocwen. We created all funds promptly through July once they moved us to Saxon.in January Saxon repetition named asking if we'd be thinking about a under HAMP. I'd lately obtained a pay cut to maintain my work and we started the application procedure. We were worried about credit harm and requested the Saxon repetition when the change might reflect adversely on our credit score. He explained definitely not. My spouse asked him again throughout the same telephone call, 4 occasions she questioned him the same. Every time he reassured us the HAMP wouldn't lead to unfavorable credit rating. After weeks and many occasions reFAXing exactly the same paperwork to Saxon, we started our test period beginning in August. I usually spend by car check through my lender but Saxon insisted we send a document check which it should be obtained by them from the deadline. We did this and after a few months I returned to automatic checking. All throughout the 3-month test interval, Saxon had us resend areas of the application form paperwork declaring it had been imperfect. Whenever we named to solve it, they stated itis all in some placesis not a problem. April 20 our mortgage was moved back again to Ocwen. Within months we started obtaining selection calls stating our consideration was in delinquency. I repeatedly delivered confirmation of funds made promptly however they stated we were 2 weeks behind on funds and should spend overdue fines. Your analysis suggested that damaging credit rating have been created since September in the beginning of the HAMP. Subsequently Ocwen stated our mortgage loan modification have been refused from the prior mortgage servicer, Saxon. They known a "refusal notice" they stated was shipped from Saxon May 28, which may be 8 times once they overran the mortgage. I've repeatedly required written down, some confirmation of the HAMP refusal but neither Saxon or Ocwen has supplied and paperwork.
In October, I talked having a Saxon repetition, Donna, who explained that her report doesn't display that any refusal notice was actually delivered. She stated I'd need to consider the problem up with Ocwen. Ocwen representatives say I have to solve it with Saxon.
We can not trust the phone repetitions due to their regular lies, mis-claims and insufficient info. It's just by telephone that people have now been informed of the change being refused. Therefore our attorney recommends that people proceed to stick to the conditions of the present legitimate doc, our HAMP contract essentially since August.
Just how can Saxon problem a denial-of our mortgage 8 times AFTER Ocwen required it around? Neither organization has actually offered a refusal notice. Ocwen has transformed the necessary payment quantity on our claims and positioned us in delinquency for not spending the brand new quantities. Today Ocwen is delivering people provides to complete financing change along with other methods to conserve our house from foreclosure.
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