This complaint is about the illegal foreclosure of my mothers residential property and the deceptive & illegal practices of HomEq, Ocwen, & MERS.

The residence is located in San Bernardino County. There is no question about it that my mother was victimized by a predatory loan, deceptive lending practices, MERS shenanigans (buying, selling, transferring of her property), illegal foreclosure of her home, and now the alleged "auctioning" of her property (Stealing of her home). My mother has not been served with an eviction notice yet but Investors have come to her home to try to tell her to get out 2 days before Christmas 2010.

For the record HomEQ Servicing, Ocwen have lied and cheated my mother.
When a written request for an itemized statement of all monies owed/paid/fee's etc was made including a request for copies of all original loan documents as well as a request to be notified of the holder of the promissory note, my mother received a letter stating that HomEq sold her account to Ocwen. This was after receiving a NOS. She was also told she had to start all over with the negotiating process and re-request all documentation despite having been given a notice of sale. We then learned that a title transfer had since been made according to county records during the foreclosure proceedings.

As the nightmare continues Ocwen refused to return my mothers phone calls, told her there was nothing she could do and when she requested her home loan documentation AGAIN Ocwen billed my mother $30.00 claiming that copies of her original home loan documents were sent to her in part with the illegal foreclosure of her home that of which were NEVER sent to her. Of course they generously waived the fee afterward for the missing ghost home loan documents while her billing statement still reflects they had been sent.

Her house was foreclosed upon while she believed she was negotiating a modification. MERS of course is also involved. I am disgusted and the fact that here in California it seems to be alright to foreclose and evict without any judicial review is an atrocity. What is really going on?!

There is no question about the fact my mother is behind in her mortgage (due to a predatory loan), however there is also no question that the foreclosure of my mothers home is illegal and criminal. What average person just trying to keep their heads above water can understand what is going on well enough to defend themselves, their families, and their homes from the deceptive home lending/foreclosing/stealing practices that are taking place all over America? We need lawyers to step up and help protect the heart of America, to protect "the people" where the legal system is failing us right now.

Thank You