We started out with refinacing our home, and we were put with Taylor, Bean, and Whitaker. We were with them for about eight month, before being put with Ocwen. This was in July of 2009. I was not contacted by Ocwen till August. At this time I contacted them after recieving a letter of the change in the mail. A man from India, told me that they wanted July, and August payments. I told them, I had sent July's in to T, B&W. He became very demanding, and wanted the money now. I wasn't happy talking with him because, I had just found out about all this. My fixed loan, had been raised to another amount. I sent my payment in, and recieved a letter that they had recieved the T, B&W July payment so all was well. Well, on our end every month since then, I was being called, and harrassed wanting their payment, even before it was due. This was all people from India. When I would call, I could not get anyone on the phone. The company would hang up on me too. I tried the main office, and no one would return my call, and answer me. I was tired of the phone calls, and I was not late. They also changed my insurance on me with out my permission, and I had insurance already. They sent papers to me saying they never recieved my payments. Which we got charged with threats of forecloser. We were not late at all each month. I began to send Money orders, and they didn't want money orders. I sent in proof over ten times of my payments, and they said they never got them. I sent them to the number they gave me. I payed all payments to May. Then they sent my payment back. They would not accept it anymore, because they put us into forecloser saying we never paid for nine months, which wasn't true. Even though, I had proof of all payments, and I prooved it to them they would not accept them.

Now it was turned over to Heurfano county to sale in November of 2010. They also said, that I owed them over $15, 000k. I only owed them from when they wouldn't accept the payment in May 2010, so it was around $4, 800k I owed that when they accepted my payments again. Ocwen turned it into a Lawyer in Denver, and the Lawyer wants to charge me more, If I fight this forcloser. Heurfano county coarts made me pay money to fight the forecloser. That was 9-2-10. We had a coart date, and no one showed for it. The Judge, and the county had never had a forecloser faught over before so they don't know what to do. I keep being told that the jude will decide on the on 10-2-2010 because of being 30 days. That came, and went. Then it was 10-14-2010 and still nothing from anyone. Then I was told on 10-20-2010 when I called that Ocwen wants the house to move forward, and sell. Now the judge, they said still hadn't viewed the file even though it has been on his desk all this time. I was told that he will get to it when he has time, but this is not his priority. Now the county won't make long distance calls, so they will not contact me about anything. I have to make all the calls.

Now this lie, and all this hold up, had distroyed our credit, and made it hard on us. My dad had cancer treatments, at this time, and I his daughter have had to spend a lot of time trying to make it right for him. Ocwen wants the full loan of $160k, and we made the payments, and they were never accounted for the principal. So it too never went down. I feel Ocwen needs to lay off, and not take homes from people for the wrong reasons. We made our payments every month they were the ones in the wrong, and we have to suffer for these professionals, that are not acting as professionals. Bring our work back to America. I am tired of these people in other countries making mistakes that we have to pay for.

Our loan was sent to Ocwen from Taylor, Bean, Whitaker. This is the worst co. we have ever done business with in our lives. People you must talk with[when you can get one] are all in India and you cannot understand them and they sure as hell don't know what you are talking about. They constantly lie and tell you they have not gotten your paperwork, you have to submit over and over. I can't begin to tell you how much I hate this co. They refused our loan modification because they thought we could afford what we are paying. I don't know who does their math but they are idiots. The government needs to look at this co. and their shady practices. I for one am going to call the Justice Dept. and demand they look into these people. They were given gov. money for modifications but refuse to do so. Everyone should do this and maybe we will get some satisfaction!!!

Our loan company sold out to Ocwen and now it's been nothing but trouble. We are trying to get a loan modification and get nothing but the same paperwork over and over to keep filling out even though we have sent them in numerous times. We were also told that we had a missing payment from when we were with our old company, which we did not and had to send in proof OVER and OVER. I do not want to speak to someone on India which I can't understand and they have a script they read from. They have no interest in helping. Something needs to be done!

Like everyone says its too long to put here. I applied for a modification in May and was approved. They said we will send agreement, sign and return etc etc.No agreement sent. I called to inquire but time was expired on that agreement, so I applied again and was denied. I called to resolve situation and ask for resolution to this matter, they said reapply. I reapplied and was approved...NO agreement sent again!! May, June, July, August, same story. The last one was on Aug 11, no agreement sent for me to sign. Today I got the notice that my house was sold at an auction. Time to move out, is this right or what. Do I have any legal stand here, or do I just "take it"?? Anybody anywhere have reliable information I would deeply appreciate it.

We were never behind in our mortgage, but sent us papers to do modification because of past fees that came from Saxon Mortgage, when they transferred our mortgage to Ocwen in November of 2009. So we go ahead and do the modification, after so much problems with them sending us docs. Not receiving docs and then receiving docs with date about 2 weeks late from when I received in the mail. Well we have finished our 3 month forbearance payments. I get a statement in the mail stating the amount due is 0.00 for August 2010. Let me go back a bit. When we sent the modifications papers in the first time, I sent proof of insurance, which we have paid for our own since we bought the house. They sent me proof of insurance in May, I contacted them and faxed and emailed my declaration page for my house insurance. I get a letter on 06-05-2010 stating that the insurance has been canceled and they will refund all the premiums that have been funded for insurance. I called back in June to check the status on escrow, because our mortgage should be minus the insurance. Only principle, Interest, and taxes. Well I placed a call on Thurs and the automated stated we owe $700 and some odd dollars for April in 2010, which is due in August 2010. Spoke to rep and needed to find out about our payment for Aug. Transferred the call and got disconnected twice. Got frustrated and just did not call back. It is so frustrating talking to this company. Then I can not understand because their English is not well spoken. Well, I call today and basically per the Rep they want me to still pay the payment, and per modification they have to pay for myinsurance, which I read to her and said that my Modification does not say that, In fact on Line 5 states that I send in proof of house insurance with my modification papers. So they want me to pay my own insurance and theirs. I told her I will not do that. My insurance is cheaper and larger pay out, I have a better rate because we have auto and business insurance with this company. I told her I will not pay until I see something in writing. Now she says to give them 5 days to review my account. Every time I call this company, they tell me a different story about my account, no one has ever said the same thing. It is like they do not even have computers there with notes of every call that comes in. I think this company is a FRAUD. Just to note that I am a Realtor and I have never dealt with such an unprofessionalmortgage company before.