Onity Mortgage Reviews

I called Ocwen back and told them they are lying to me, as the check had never been processed by my bank. So I asked Ocwen to photocopy the check, if it indeed was returned by my bank for NSF, and they told me they sent the check back to me! Of course it was not returned to me. I have been in this home for more than 25 years, and I believe this company is trying to intentionally make my mortgage past due, in order to foreclose on my home! Now, I am afraid to mail my Dec. 1st payment, because the Nov. payment has never been credited, and they want to charge me a $51.00 late fee charge. Ocwen must be investigated by the Florida and California Attorney General's Office. They are charging me late fees and affecting my credit score. Stop these charges.

I was never allowed to speak to a manager or supervisor because they were conveniently out of the office. I had to speak to employees that did not speak English, so they had no idea what I was even talking about. They kept reading the same thing off of a computer or paper. Finally, in September of 2010, we received foreclosure papers in the mail. They would not accept any mortgage payments after that point, unless it was the full amount of what was owed. They said that it was the investors that put a hold on our mortgage and they had no control over that.

Now, it is November of 2011 and we have finally (I think) sold our home by a short sale. It's almost over, then, I will not have to deal with PHH Mortgage. That's the only good thing that has happened. We have no home and are living with relatives in their basement. I can only hope that PHH will have to answer for what they have done to so many people, and not be able to do it to anyone else!

Tried calling to find out why Ocwen felt they were entitled to a $2,450.29 bonus, waiting 30+ minutes on the line, just to get disconnected each time the agent finally answered. The bill I received included two payments plus the "fees," again, I am not behind in my payments, but a bill for over $8,000 just might put me there.

They rejected us for the program, and then they wouldn't accept any payments, unless we also paid thousands in fees. I got an attorney and went through mediation for almost 3 years. We even had a forbearance agreement and paid them all four payments under the agreement. But we never got modified, and they jacked up the amount of money we owed for our home by more than 60 grand.

We moved out 7 months ago, and the house is still empty. Their attorneys of Hunt Leibert and Jacobson are as big a crook as they are! I cannot believe this could happen. My fiance and I both had to file bankruptcy to be relieved of the debt they could come after us for. All we ever wanted was a lower payment or we would have just kept paying the one we had. Total scam!

Every time I call, they say I can't speak to anyone and that I need to set up an appointment. So I asked to speak to a supervisor, but for some reason, there is never anyone available. I told them I wanted this issue resolved ASAP, but I keep getting put off over and over. I am so sick of this, they have such horrible customer service! I was told today that a supervisor would be contacting me within 3 business days. If they don't, I will take further action. This company is horrible.

When we did the modification and we faxed in the package then mailed it in, they said they never received the package.So we had to do it all over again, the group HOPE was helping me. They said to also make copies and email them also and save in my documents, which I did. We ended up having to pay almost twice as much as our regular house payment for 3 months to prove we could handle the loan modification loan? What is wrong with this? If we are having financial difficulties to begin with, how on earth would we manage this? Well we did it, got deeper in debt making this outrageous payment.

We have been struggling since then to stay afloat and all the while the late payments are adding up, as well as Ocwen keeps raising the late fee, $55.00 now, and processing fees to handle our loan. Naturally, we have been late but we pay our mortgage. We became 3 months behind, all the time we kept Ocwen informed of our situation. One of us have been unemployed for almost 2 years and the companies here are just not hiring unless you have a currant job. What's up with that thought process?

I called Ocwen and said that I have the $2,769.87 to make the loan current, this is the amount Owen sent to me and stated over the phone. They said that I had to send it via certified Western Union or Moneygram. The prices for both were $100.00 and over to send. I called Ocwen back and was told that I can write a personal check with a signature and send it via overnight US mail to an address that was given to me. I did it. I also asked for a signature when received. We sent this on the 28th of October, 2011, they received payment on the October 29, 2011. I called on October 31 to confirm that payment was received. I was told we were current.

We sent a financial statement, and a hardship letter to them. They said they never received it. We are trying to do the right thing, but feel like we are being forced into foreclosure. It would be to their benefit, to work out a solution. Our mortgage is $275,000, and our house is now only worth about $120,000 based on neighborhood comparables. We are getting to the point where, we feel like we are getting nowhere. We really would like to stay in our house. We are experiencing financial problems, but our financial future looks very good. Can you help us? Ocwen is not responding to any of the attempts we have made to "speak" to a person.

So fine, we sent them a check for the amount they paid. Then paid our Fall taxes at the same time. They have cashed our check, but are still holding all of our payments in pending status. We're not sure why! They have payments on everything and everything is current! I was told now twice to fax in a letter explaining what happened, in which I have.

Every month our bill gets larger and larger, and it should not be getting any larger. We have paid everything! This is extremely stressful, not to mention not right. I also am calling an attorney on Monday, I have filed a complaint with the BBB and haven't heard anything and now you guys. Something needs to get done with this company! They are ripping people off and leaving people homeless. It's ridiculous! Who else can I contact, as almost all of them at Ocwen do not speak English.

I found out our home was slated for foreclosure in the next two weeks. After slamming Ocwen with numerous phone calls, they recognized that we had not received the paperwork, and therefore, couldn't not have signed them, nor could we have paid the required payments. They said we'd have to start the process all over again. Resubmitted, waited, nothing. Finally spoke with Tiffany **, who even gave us her direct phone number. Wow, and we thought we were getting somewhere. She won't answer, and won't return any of our calls. She assured us we'd hear from her within 5-7 business days (not 10). Next call now is to an attorney. We're left with no choice, and we are now facing the new foreclosure date of 11/30. Any advice is greatly appreciated. Ocwen's poor business tactics, sloppy, and careless behavior is resulting in serious help issues, and most likely a family losing their home. Do they care? ** no.

We ended up filing Chapter 13 to delay the foreclosure while we attempted to prove that with a modification, we would be able to pay our mortgage. They sent a stinging brief to the Bankruptcy court, asking them to throw out our case, which the court did. 1 day after being informed that the bankruptcy was terminated, they sold our home at auction back to themselves. We have now been served a Summons that they are taking us to court, wanting rent for the time that we have been here since the house was sold back to them, as well as possession of the house free and clear. We now have to pay to defend ourselves in a case that could have been avoided if they had only processed our paperwork, instead of focusing on a land-grab.

I tried to setup automatic debit using the instructions provided, and when I checked whether it was in place, I was told that the form that was provided to me was not the one to use and had to set this up online.

Also, throughout the loan process, I told PHH that the taxes needed to be paid for this year 2011 and also were to be escrowed. Thankfully, I checked with the tax collector who told me they had not been paid. A lot of stress and time were used in trying to correct issues. I am not secure in knowing that this loan will be handled properly going forward.

I assume this labeled me a trouble maker because I got a letter a couple of weeks ago saying they had no record of my Homeowners’ Insurance. This struck me as strange because of the stringent guidelines imposed by the VA to obtain the loan and because my insurer, Farm Bureau, was typed into the original HUD statement since origination with the same premium since day one. Of course I am exempt from property tax in AR due to my 100% disability, so I complained again to the N.J. Atty. General.

This time they sent me a letter telling me I have an escrow deficiency to the tune of $1958. They also said my fixed rate for a 30-yr loan would go up from $849.33 to $1150. I am complaining to any agency that will listen because this shouldn't be allowed to continue in our country, and this company should be closed down. I have all the written information and my perfect payment record for the last 12 months. Thank You, Jeff **

I find it funny that on every piece of mail we have received from Ocwen, our zip code was correct but not on this particular letter from them! It was like they did it on purpose so that we would not receive the correspondence in time. Well, I guess they know what they are doing because it worked! So now, we have to find a way to come up with the total amount we owe Ocwen or they are going to start the foreclosure process. We had applied for a remodification twice (last one was in September of 2011). Both times, we have been rejected. Then, we tried to speak with one of their financial counselors and the phone call appointment is 2 weeks out. I have never spoken to anyone from the US, they are all from India or Uruguay. This is so unfair.

On October 20, 2011, I received a reply from this loan processor, saying that if she doesn't receive the 2nd lienholders subordination, she will extend the rate lock on 11/7/11 and there will be more cost. I have a feeling from the beginning that this loan processor is trying to nickel and dime me for PHH.

I did sign it and send it back but after they got it, they told me that they sent the wrong paperwork and will not accept a payment from me until they receive the correct paperwork. They are telling me that it's my fault because I was late with one payment. They are making me later by not sending the correct information and by not accepting any payments from me. I am now 60 days behind and every time I call them to make an arrangement, they won't help me. I feel like they have set me up for failure and are forcing me into foreclosure!

I don't like that I can never speak with an agent that is in the United States. Their customer service department is unhelpful, rude, and they don't have your best interests at heart. They don't care if you wind up in the street!

At one point in this process I was told by a PHH representative that we needed to be 2 months behind to qualify for the government modification. Since I have medical problems, lost my job and my husband had a salary reduction, this was a welcome invitation. Naturally, it has not worked to our advantage. They are making a killing on fees and it puts them in a good position and us in their mercy. We are getting the run around. I am at a loss. We are getting nowhere. I also get disconnected everytime I call them!

My last mortgage statement read that my mortgage was paid up until Nov. 1, 2011. However, this month, yet again they went into my bank and withdrew another month's mortgage. When you call them, all you get are runarounds. They lie and put you on hold for hours. I am calling the Federal Trade Commission about what I think are their illegal practices. No one at the company knows anything and can't help you with anything. If you need to call, you better have at least three to four hours to spare. All they do is to give you the runaround until you want to scream.

Since they recorded my September payment late, my October statement arrived in the mail which had my September payment plus an additional late fee. It was basically being charged a double late fee for September. It had my October payment plus a $4,808.62 late fee. According to their Indian call rip off center, they try and pass as customer service, these are averaged late fees from the previous lender. There were no late payments ever. I have the account transaction and payment history to prove it. They randomly decided to charge me this with no grounds to. My October bill from them is $13,719.79. This is a criminal act.

After being on the phone and on hold for over 60 minutes, these Indian peasant workers can't even decipher their own system and explain why any of this happened. They still show September payment late. And if I do not pay the $13,719.79 by October 16th, I will be considered 60 days behind, and they will report this to the credit bureaus. My guess is that they will play the ignorant "we don't know why this happened, but we're not going to do a thing about it" game. And I think that they will let this go to 90 days and then ask me to do a loan modification just like the other consumers on here, and then the nightmare will become worse.

I've spoken to other attorneys. They have stated these people are the devil incarnate. Taking legal action doesn't even help in every situation. Ocwen is the master of deception and only exists to rape consumers and ruin their lives it seems. How this is allowed to happen to random consumers in inconceivable. They need to be stopped. I have now closed on a refinance with Quicken Loans just to get out of Ocwen's clutches. If you can refinance into a new bank or lender, try to do that. It's the only way to save yourself from these predatory criminals.

So, they conveniently started the foreclosure process. I'm scared of losing my home and everything I have. I'm middle aged, and it is destroying my life. After reading all these complaints, I'm now more informed about what is happening. Can't all the people who have a mortgage with Ocwen, who have had major issues ban together, and file a class action lawsuit? If there is a lawsuit now against Ocwen, please someone let me know about it. My email address is **@verizon.net.

Anyway, I got a foreign Ocwen employee (Muhammed) on the line as soon as I got their first letter and he told me that I need to submit proof that I made my August 1, 2011 payment to the previous company so that they may investigate it. I faxed the proof the following day. He also told me that since they canceled my ACH, my payment for September 1, 2011 is now past due. This was 9/12/11, the day I got the letter after waiting for it to come out of my account. I am told that I need to do it over the phone ($19.99 fee) or Western Union (fee involved) so that I am not charged a late fee as of 9/16/11.

I advised him that I would not be paying by either of those methods as the mail does not take that long and it is not right for them to notify me on 9/12 about a payment they should have taken out 9/1. The funds were available before that date. I have read some of the horror stories about this company online and I am looking for someone to refinance with, quickly! I am very concerned about all the different addresses all over the United States and the fact that customer service reps are limited English proficient.

On September 7, there was a disastrous flood that caused my brother and his wife's residence to be uninhabitable. Now we are planning once again to see if the PHH Mortgage company will step up since the home depreciation is higher due to this disaster and no one in their right mind would want to buy a house that does not meet the housing code and is uninhabitable.

On August 15, 2011, we received a letter from a firm called Baxter & Reyes in Dallas, Texas, stating we were to either pay a reinstatement amount that was still to be determined, or face foreclosure and sale on September 6, 2011. We called them and were told that the sale would be cancelled if we paid the reinstatement fee, and to not contact Ocwen - we were to deal only with their office. After a series of stalls and misinformation, unanswered calls, confusing payment instructions and an 11th hour save to get the money - nearly $10,000 - to Ocwen on time, we have now been told that our house was still auctioned off on September 6th. We have no verification of this, as one of us is still listed as the owner on the **. When we log onto the Ocwen website, it still lists me as the owner under the "Mortgage Verification" tab. I have a 38-page PDF file detailing the communication chain, including the misleading wire transfer instructions. We need an arbitrator to help us get through this mess.

I tried this several times on different days.

I have not sent a payment by mail since they lost one. The website www.ocwen.com to which one is referred on the mortgage statement and in the phone message leading up to (trying to do) payment by phone has no payment application that I can find.

I am reluctant to send in a payment to a PO address in Carol Stream, Il, since the 411 operator has no listing for Ocwen in that town. I have no choice but to either mail it in and risk its being lost, or keep trying the dysfunctional phone payment system.

When I called to check on the status, they said that "it's in the review process." In the meantime, I have been getting calls from PHH Mortgage Services every half hour (30 minutes) letting me know that I'm behind in payments and asking me when will I be able to make one. This is insane and harassment! The right hand does not know what the left hand is doing. They called today (September 6, 2011) and inquired of me the same. I told them that I'm going through their loan modification process and to stop calling me every 30 minutes. The representative apologized and said that she would stop the calls. Well, guess what, they called me back in 30 minutes and told me to disregard the call because they could see that I had already spoken to them today! Whew!

The actual amount this has cost me is uncertian. I'm sure it is several hundred dollars in late fees and transaction fees. The economic strain has been devastating! My credit is ruined. I have tons of unpaid medical bills. My utility bills have been late. I have went without groceries. I can't afford to see a doctor and must go without the needed medications.

I was totally unaware that the $900 was returned back into the account and the total of $4,000 went into cyberspace. When we finally were aware, it was by a foreclosure notice.

When Ocwen was contacted, they informed me that our money has been returned due to their right.

I had contacted Ocwen for a payoff figure of my mortgage. They sent me 13 pages of B.S. asking questions that didn't pertain to my request. In frustration, I just sent them a check for $25,000, for my August payment. I figured it to leave me owing them approximately $8,000. I waited for 13 days to see that check clear (the address was in IL). I called them to find out where the check was. They (of Indian origin) told me that they had not received it. I finally gave up, and put a stop payment on that check, which cost me a $34 fee. I then sent them a check for $30,000, only I sent it registered so they would have to sign for it. I sent the check on 8/04/11 (Thursday). I checked the tracking # and discovered that someone had signed for it at 6:16 am, on 8/8/11. That means that it only took 4 days to get there over a weekend!

Since then, I have been calling the automated # only to hear that I still owe my August 1st payment. I called the infamous "Indian group" on Wednesday (8/10/11) to see why I was not credited with the payment. I was told that they have no record of the check. I told him that I had the tracking #, and that someone had signed for it. The man I spoke with, assured me he would send out an urgent email to the proper department. I was told someone would call me back by Friday. On Friday, I called Ocwen, only to hear that they have no record of the check. I then proceeded to try to contact someone with credibility and position. I could not leave India! They informed me that talking to them, was as high up the ladder of command that I could go. My mortgage will be considered late on the 16th of August, which will mean a late fee.

After reading some of the similar problems with Ocwen, I do not understand why they are still allowed to do business here. They display flagrant improprieties in their handling of millions of dollars, and several thousands of victims' financial lives. I am going to try to send them a minimum payment to avoid a late fee, and a black eye in credit. This will give them about $250 more in interest, based on the $33,000 balance! I think it sucks that you have no say in who your mortgage gets sold to.

So since July 22, they have not released my money to me. Been telling me all the time I call that they need 24 to 48 hours to ship them back to me.

When I arrived home later in the afternoon. I attempted to make an online payment each attempt an error prompt came up. Which is unusual for I make almost all my payments gthrough this system. After a few attempts,

I tried their telephone speed pay from Western Union. After I keyed in my loan number an automated prompt states this account cannot be processed.

Loan papers specified closing date of 29 JUL 11. I told Marion ** that the closing date is on 29 JUL 11. Now, in the morning of 27 JUL 11 he called again and said, “oh yeah, we need yet again another piece of documentation.” Again, he is informed our closing date is 29 JUL 11, and this time his response was he had the closing date written down as end of August, and apologized.

Over the previous month we had to jump through hoops to get inspections, insurance, forms, et cetera-- all of which cost money. All of this was done in a very timely manner on our end.

There always seemed to be one more document that was needed. Now after Marion ** told me I needed this additional and I try to send him the information, I find out he is now out of the office until 7 AUG 11. No one else from his office contacted us. Guess he really felt bad about aiming for a closing date he made up himself.

Now utilities are set to be turned on, services set to start, movers set to move stuff, transportation from NY to FL arranged, and the guy on the mortgage side, who admitted on the phone he screwed up, is unavailable until after the closing date.

Anyone have any suggestions?

The house value goes down but I have to pay double of what I was paying! Great news, at least, I got to keep my house but I'm not happy with the new payment however!

I paid the down payment fee the following month. I admit I was a little late with my payment due to health issues. But I made my payment by Western Union and figured all was good. Apparently a few days later, they decided to return via Western Union the payment to my bank account. I did not catch onto it due to the fact that I was in the hospital the day before they did this and I was not feeling well. I found out that my loan was in trouble when I attempted to make my next payment. I then spent from March until July trying to fix the issue. I called constantly and was told by three different representatives that it was not my fault and that it was an error on Ocwen's part. Every representative that I spoke with have told me not to make a payment until they investigated and solved the issue. And of course, every time you call, you get told to call back in a week or so as they are looking into it.

Well guess what now, it is the beginning of July and they now tell me that I have to submit a HAMP modification packet to them, and that is my only choice. Mind you, they also have a foreclosure auction sale date on my house set for July 21st. I submitted the documents, all 22 pages.

In the meantime, my husband was unemployed for almost two months. Now, I am three days out from my home being foreclosed on and I keep calling and getting a run around. Now I have to tell you that I am the most patient human being and I never stand up for myself, but I was not going to lose my home to their incompetence. I have three kids and they were not going to be homeless because of a dishonest company. I spent three days from early morning till late at night on the phone with representatives, four times they said that I was being transferred to a supervisor and even after, I told them that I would wait until the supervisor was available to talk with me as I did not want to leave a voice mail but I still got voice mails and no call backs.

I have to say that for those three days, I blew up their phone lines. I talked to every representatives and when I wasn't getting anywhere with their repeated lies, I would just call right back. I honestly spent three days doing nothing except talking with representatives, demanding that they put the president of the company on the phone, lol. I called them out on every line and I told them that it was unacceptable that they could not help me. I really did carry on and push all of their buttons. Then I started asking them if they knew that proceeding with a foreclosure sale on my house while I had a HAMP modification pending was illegal and they asked me for the website address I found that information at, which I provided numerous ones to them. They continued to push me, so I continued to push back. I told them that if they continued with the auction, which was illegal and a crime for them to do, I would sue Ocwen, the attorney handling the foreclosure, the auction company and anyone else that even touched a paper that had to do with my mortgage loan. I also asked them if they ever bothered to type the word Ocwen into an internet search and see how many thousands of people complaining about the same things they were trying to do to me. And that they think people are stupid, but we aren't and there was no way I was going to lose my house due to their incompetence and illegal practices.

Well, the night before my home was to be auctioned, they postponed the auction for a month. Now they did not do this out of the kindness of their heart, they did this because I persisted for three days yelling, threatening, etc. I will not allow my home to be taken under any circumstances and I have told them that if I have to I will take legal steps to make sure I don't lose my home. So now, it is the night before they planned to take my house and I am sitting here totally wiped out. I have panic disorder, extreme high blood pressure issues mostly due to anxiety and affected by stress. I have chest pains and headaches from dealing with this for the past three days but I also will still have my home tomorrow and that made it all worth it.

This company is criminal, incompetent and in my case as I told them, they have caused my health to deteriorate. It is truly sad that in the United States of America, they can continue to get away with criminal actions right under everyone's noses. The other thing that I take a little comfort out of at this point is that I pushed their back to the wall and made them bow down just like they have done to so many people.

I am now $14,000.00 behind on my mortgage loan that I cannot pay. My health has been affected by the stress that they have caused me and my family. Now, I am going to have to continue this fight with them quite likely through legal means to keep my house. I am not rich and cannot afford lawyers so my only recourse to save my home may be to file bankruptcy.

All in all, in the end, we were advised that we were somewhat of a credit risk although credit score is in the 700 range. I am of the opinion that this company falls into the category of scammers. They will provide what you need and want only if you agree to a higher interest rate well above the national average. Plus, although your paperwork states you are locked in to an interest rate, you actually are not. The rate continues to increase because you never seem to reach that closing date. The process goes on and on. After reading other complaints on the Consumer Affairs website, I am jubilant that this transaction ended before we were actually fully engaged in a loan with them. They are legally getting away with scamming innocent and desperate people which is very sad. I am surprised that no one of authority has intervened to investigate this company.

I was told that someone would be calling me in seven to ten days to give me more instructions. I never heard from Ocwen and they called last week (ten days later) to be told that they have been waiting for a financial statement and another form signed from me, but I had not received these forms or information until I called them. This was all that was relayed to me on this call. The next day, the forms were in the mail, so I filled out the paper work that night and mailed back to them the very next day (last Tuesday, May 24th) and a week later, they still don't have my paper work.

Now as of today, when I called Ocwen to follow-up on my paper work which I sent, I was told that they have it but I cannot move out until they approve me for a partial deed in lieu of and the process can take 30 to 60 days from when they received my paper work. Meanwhile, I have packed my home, scheduled utilities to be shut off, put in a change of address for my mail, and have paid deposits for movers and a moving truck that are showing up on June 9th (next week) to move me out-of-state to live with my parents, so I am out of the home by June 13th as I was told on May 13th. I have been working around this move out date of June 13 th and now, I am getting the runaround.

I cannot speak with anyone who can tell me anything as to what is going on. I have been told I can't do anything until I hear back from them. I am so pissed off. I was told to get out of my home within 30 days and now, it can take 30 to 60 days from when they get my paperwork and not to move until I am approved. I was told that they are working on a partial deed in lieu. I did not ask for a partial deed in lieu of and was never told any of this until yesterday, 14 days before move out date.

I have requested my paper work to be expedited and to speak with a manager for the last three days and I have been put on hold for over thirty minutes waiting to speak with someone who has some authority there. I can't get through to anyone with authority and then I have been disconnected by them while on hold everyday for the past three days straight.

This has been very stressful to have to give up my home of 16 years and move, but now Ocwen is adding to this stress by playing games. I wanted to what was best and right in not filing bankruptcy or having to go through a foreclosure and this is how I am getting treated. Something needs to be done about this. How is it that I can be jerked around like this?

I can't even tell how this whole event has just been so stressful and I still don't even know what I am to do at this time.

We have no home. Our home went back to lender, whatever that means. This has cost us emotional and physical problems. Our children had also suffered from this as well. This has also damage are credit ability.

Unfortunately, anyone that has an FHA Title 2 mortgage does not qualify for this program. I have no idea what an FHA Title 2 mortgage is but according to PHH Mortgage, they assured me that I did not have this type of mortgage. Of course as it turned out, I received a letter denying my request from state HMAC office. The next step I was advised was to apply for a Loan Modification from the Mortgage Company. So the housing agency worked very diligently with me to get all the documents submitted in a timely matter. The entire packet was over 38 pages.

After everything was submitted in September 2010, I would periodically call PHH Mortgage to check the status of my Loan Modification. Each and every time, I would get the same response "We're sorry, the packet is still in review". Now it is April 2011 and I have since been sued by the PHH Mortgage from their attorneys. They have filed a judgment against and now today, I have received notice that PHH has scheduled a date for my house to sold at a Sheriff Sale in July 2011. I am mortified. I absolutely hate PHH Mortgage and think they are the worst mortgage company around. I thought with this national economic crisis we are in, that there are money to save your home. Obviously not. I am working with a realtor and only hope that I can get my property sold fast. PHH Mortgage is not a company that I ever want to deal with again. I have to go through red tape just to talk to a person there, who's always from India!

I tried calling them and when I punched in my number it states that no other information is available at that time. It also stated that it will take about 30 days and asked me not to contact them since they will be the one to contact me via mail. As time went by, without a word I went on to the website and found out that I had been approved with the modification and the documents were mailed out to me on October 19, 2010. I was requested to give a few days before it could reach me by mail. In November, when I didn't get the documents, I started to call and was left on hold for long periods of time to get through. Then when it was finally my turn, I would explain my situation and they would state that they would transfer me to the right department only to get disconnected.

I then emailed the customer service for my situation. They emailed me back with a letter stating that I had been approved but I failed to read the documentation, sign it and return it with the required money to complete the transaction. I still have this documentation. The letter stated that I was approved on October 19, 2010 and that I had to send it back to them signed by October 26, 2010. Depending on the type of mail it was sent, that would only give me 7 days to get this via mail, approximately 2 days, 1 day weekend and another 2 days to get it back to them with the check so technically this gives me only 2 days, not really much time. In the letter they emailed me was a phone number and an email address for an Ocwen Consumer Advocate in which when I called the number I got left on hold, transferred around and disconnected.

Finally on December 5th, I got through since it was a Sunday afternoon and I spoke with a gentleman who helped me to put through another request for a loan modification, he was to mark it as rush as he informed me because on December 7th they were going to foreclose. When I called the number and when I went on to the website, it stated that they were in receipt of my loan modification. I thought I was all set. Needless to say, they foreclosed without my knowledge and I was never notified. I tried calling everyone and no one would return my calls or emails. I contacted RI Housing to see if they could help me, one of the counselors was wonderful and he actually got me a name and number of someone from Ocwen to talk to. I don't remember her name but she stated that I was originally denied the Obama modification because they had asked for additional documentation a signed 4506 which I had to find one on the internet since they didn't send one for me to sign and a year to date P&L for the internet business I had.

She stated that they got the signed 4506 but not the profit and loss. I informed her that if she got it, I had written right on the front of the fax page that this business was no longer running. I have this documentation and the confirmation. So these all could have been avoided had they read the cover sheet. Since 2007, I have had a PO Box as I was having problems with getting my mail. Then since last summer, I had been living on the first floor and decided to move to the third floor since I live alone and I could get more rent on the first floor. Since I wasn't getting mail there anyway, I never thought of informing the mail service of this change and apparently Ocwen sent the foreclosure notification to the first floor and not the Post Office Box. The apartment was empty so they stated that I moved and left no forwarding address.

I feel that I lost my home due to their poor customer service. Before they foreclose, they should be reading the customer services notes and they would have seen that I had been actively trying to save my home with all these calls and emails. My tenants and I now have only 30 days to move out. I feel that I was wrongly foreclosed due to their negligence and poor customer service. At no time did Ocwen ever picked up the phone to contact me with anything that I could have done to expedite the process. Had they done so, I would have gladly and in a timely manner get them whatever they needed upon request.

What also concerns me is the fact that one end of the bank doesn't talk to the other. They should be making notes every time I call and if they did then why didn't the foreclosure department see that I was trying to contact then to get info before they foreclosed. This whole nightmare could have been avoided. They also have not recorded the foreclosure with the City of Pawtucket. According to them, I am still the owner of the record which concerns me because should something happen would I be held responsible? I feel that this company needs to be investigated for the lack of compassion and lack of customer service procedures. In this day and age, I lost the home that I love because of them not doing their due diligence prior to foreclosing.

PHH Mortgage hasn't help me in any form with my mortgage, only made threats of foreclosure if my payments are not received within a certain time frame. I have done research on this company and there are a lot of people in the same position as I am with this company. I am tired of making phone calls and receiving phone calls in reference to this from PHH Mortgage. I can not make any headway with them, only more threats of foreclosure and "my packet is in review". I have the opportunity for a job in Georgia, but can not move until this is settled with PHH Mortgage. I spoke with them today and informed them of this situation to which no answer was given, only that my packet was in review. It has been in review for 7 months now, I have to make a move.

In January 2010, I once again lost my job that I had started in September. So I again applied for the loan modification. At that time, I gave documentation to what my unemployment amount would be each week--$409 per week. I again was denied, because my DTI was still too low. By this time, I was now running consistently 60-90 days late on my mortgage. I tried to work out a forbearance with Ocwen, but because I did not have the money to bring the account current, they told me they could not do a forbearance plan. I was also told that as long as I made the original payment each month, they would work with me on the "fees" that had accumulated. These fees were for Property inspections (four of them in one year), Certified Letter Fees (totaling over $50), late fees, and returned check fees (even though I had not had a returned check).

Well, on January 19, I received a letter from a local attorney which stated that they had been retained to begin foreclosure proceedings. I contacted the attorney and was told at that time that I was 119 days late on my mortgage. I told them that was impossible, as I had made a payment via MoneyGram on December 30, which was for the October 1 payment. I was also informed that Ocwen had rejected the MoneyGram, because it was over 80 days past due.

I was informed by my attorney that it had to be over 90 days late for them to proceed, so the only thing I can think of is that Ocwen wanted to foreclose on my house, so they rejected the payment so it would be over the 90-day time frame. When I contacted Ocwen, I was told the reason they rejected the Normal Mortgage Payment was because it was not enough to bring me to current. I told them what they themselves had told me about working with me on the "fees." I was further informed that they "legally" could require me to pay all back fees or they could foreclose if I went over 90 days. I would not have been over 90 days had they accepted my payment they received on December 30.

We went through standing on our head, wiggling our ears, and gargling peanut butter to get that modification. Making me apply several times and having them leave the final page out of the documents so they sent the money orders made out to Ocwen back, they clearly tried to keep that modification from happening. Finally, after 300 phone calls and about 2 months of hassling them, the modification went through. We paid as agreed every month, and in October, they contacted us with notification of payment increase to cover the back impound while we were applying for the modification! What good was all that financial reporting and budgeting if they were going to jack up the price right after we filed taxes and had to claim the $16,000.00 they wrote off as income? This destroyed our hopeful tax refund because we made all this money.

Now, all I want is to give the house back and sign a deed in lieu. They told me I had to send them a financial report of all debts and proof of income, 2 recent bank statements and fax or email all these documents. My computer is messed up and will not send email attachments, and we have no fax machine and no $2.00 a sheet to fax at the drug store in town. They said that I had to get them this information within 48 hours or we would not be able to sign a deed in lieu! In desperation, I sent all these documents to the Florida office express mail.

The 48 hours happened to be a Saturday! I had forgotten to put my husband's pay stubs in the express mail envelope so I did pay to fax the stubs along with a message telling them that I was not able to email or fax the rest of the documents. I called and was told that they will not read documents sent to Florida and that they would not accept them either. So, I asked for the Florida phone line direct so that I could have all those documents emailed from their office. I was told no. They could not give me a supervisor or any other way to get the documents to them. I was told that because my faxed documents were incomplete, I would not be able to sign a deed in lieu!

I then went on the website where I am all hooked up with their official site! There was a message for me stating they had been trying to contact me and had not been able to do so, and that my packet was incomplete. No one called or emailed to me in any way! They lie and what's more is you cannot contact them through their website, period! No way. They have a stupid 800 number where you have to listen to 10 minutes of ** about Ocwen being a debt collector and what my loan number is and then, when you get this Indian guy, he asks you for your account number and the last 4 digits of your SSI. Then, they recite the debt collector ** and a rundown of how far behind your payments are, and when would I be able to pay this money?

Thirty eight minutes later, I was still telling this story to 3 different people; one in customer care and one in resolutions who promptly told me that the packet I sent was incomplete, both packets. Where they got both packets, I have no idea. I insisted that I talk to his supervisor and he refused. I told him it was imperative that I contact the Florida office to get my documents back and they said you must email them or fax them or I would be denied! They lie and have people in India handling all calls under the order that they will not give you the supervisor or anyone else that knows a stinking thing about your particular case.

They are intentionally avoiding contact with me, and next, they will foreclose without serving us with the notice. They have letters at the post office that we are supposed to pick up from their title holder. I am sure they are the default notices. The problem with that is I am disabled and my husband is a truck driver and comes through town in the middle of the night, and they want this done on a Sunday? So, how are we ever going to get those papers? They are changing the conditions of the original modification. What's up with that? BAC did the same thing on that modification and we are trying for a federal modification on the BAC loan. These banks are so crooked that they ** their shorts on in the morning and no one in the political branch will do a thing.

We had 5 houses when the market fell. AHMSI3 literally stole one from us just 7 days after they sent me a request for my modification documents yet again. They posted a "vacate the premises notice" on my sister's door. She was the tenant in that one for 12 years! They are having a hell of a time getting the forgotten victims out of that house! I personally hope they die of old age before they can successfully remove my mentally challenged sister and her family out of that house. Why do they need all that stuff for us to give the house back? They want to foreclose so that they can go after the properties that we have equity in to get their compounded expenses from us and the house too.

When I contacted a lawyer, he told me that these banks have so much money that they can do whatever they want, whether it is legal or not and that he could not help me in any way! It is criminal what these bailed out jack asses are doing! Statistics show that for what the bail out costs, they could have given every single home owner $300,000.00! Why didn't they bailout the people? Then we could have kept paying for our life's work and our future in our old age, but instead, they got bailed out and their going to take everyone's home too!

I can't believe our government is allowing this racketeering to go on unnoticed! Shame on you America. You are no better than Sadam! Social Security is no better than Barney. They take money from the worker to be put in a fund available later to us and they spend it on other things and tell us that the cost of living did not go up! What planet were they on? I hope you will at least email me with some suggestions. My email is ** please help these two old truck drivers at least have a couple of the homes that we have scraped together over the last 40 years!

We have received our Modification Loan from PHH with several stipulations as mentioned in my previous complaint against them. To date January 19, 2011, we have had the modification in place for 4 months. We have yet to receive any monthly statements from PHH stating the Balance, Property Taxes, Insurance, Escrow, Principle, etc. After just 3 months, our monthly payment went up from the negotiated $1690.18 per month to $1733.54 with no explanation. We received a threatening letter from PHH that our monthly payment of $1560.10 was $173.00 short and if not paid by the end of the month, derogatory comments would be placed on our credit report.

Our check for the amount of $1690.18 simply disappeared and was not credited to the proper account even though I sent it via UPS on Jan 3 2011. Someone named Tony signed for it on Jan 5 and our Credit Union verified the amount of $1690.18 had been cashed by PHH on Jan 12, our payment was not credited correctly. I attempted on 4 separate occasions to contact our PHH Representative Ms. Rhonda ** only to continually receive a voice mail messaging system. I have now written to the FTC, our States Attorney General, and this website in hopes of gaining some sort of restitution against PHH Mortgage for their incompetent handling, not only of our situation but as I have read several hundreds of others across the country. Someone needs to investigate, possibly pursue legal action, against this mortgage provider.

I called on the 15th of December to make my payment and the amount was much larger so I spoke to a customer service rep that then transferred me 3 times until I finally got to Robin. Robin told me that the paperwork had never been received so the modification didn't go through. I told him that I called the 1st of December and was told that everything was fine.

He said to send him proof that I had sent it and he would take care of it. He told me not to make my payment for December as he was still working on it. I told him that I was scared not to make my payment because I didn't want a late fee and he assured me that there would not be one. He told me to call back in 2 days. I called back and he told me that he needs me to fax again my financials to him. He had me fax it to his bosses' fax and then to the general fax. I then called back the next day to make sure that he got it.

I was unable to speak with Robin as they would not let me at Ocwen but they told me that everything had been received and that they could see Robin had worked on the file and my new payment would be $951.95 which is down from $1384.86. I asked if there was anything else I needed to do. I was told that there is none but I have to call back in a couple of days to check status. I did. I was told that the financials were approved and that all we were waiting for was underwriting to sign off.

I confirmed again if my payment is going to be $951.95 and I was told, "Yes," by a gentleman named Haulage. I asked if there is nothing that will make this change and I was told there is none. The new payment would be $951.95. He told me to call back today December 28, 2010 so that I could make the new payment and keep my account current. So I called back today and all I was told is that I was denied for the modification.

When I asked about how this happened as I was told it was done, I got a huge run around and told me that there was nothing they could do. I started to cry and told the supervisor that was on the phone that I had done everything I was told and now I was denied. I added that I was told not to make my payment, so he said that he would waive the late charge. This doesn't help me.

I was told that I had a modification for my loan and he could have cared less. I asked to speak with Robin and was told that they would not let me. I asked to speak to the underwriter and I couldn't, as well. Ocwen has made my life a nightmare. They are dishonest and are not helping people that are trying to keep their home. I did everything that I was told to do to help me save my house. I did go ahead and make my regular payment today as I didn't want a ding on my credit report but I have never felt so betrayed.Furthermore, there is nothing I can do.

Ocwen has lied the whole time about what was going on with my modification and I am the one that now has to deal with it. Ocwen will not let me talk to anyone that I have talked to. Everyone that I talk to now tells me that there is nothing that can be done. Please help me!

I told him my concerns about the bill and he placed me on hold. Then he proceeded to tell me that if I would sign the paper, my loan amount would go to $2382.32 (my original loan amount before my old mortgage company changed it to include taxes/insurance, which brought it to my current payment of $2637.44) for the next 60 months and I would not be charged $536.82 and the 'new' payment would still include PI/TI.

I still inquired about the charges and the insurance/taxes and again he placed me on hold and came back and told now that my payment would remain the same of $2637.44 and I would be locked in at this price for the next 60 months, which included PI/TI. My payment is supposed to go up this February to, $2767.88 and if I signed, everything would remain the same. I asked if they would fax/send me a revised agreement stating exactly what he told me verbally during our phone conversation. He placed me on hold. He came back and said they could not sent/fax me what we agreed to verbally and for me to sign the paper they sent and everything we discussed would go accordingly. I told him I would not and otherwise I would be liable for everything that was on the agreement, no matter what he stated would happen.

I insisted I get a revised agreement stating exactly what he told me and he could not, so I asked to speak to a manager/supervisor of his department. He told me to hold and he would get someone; but before he put me on hold, I asked for a number to call incase I got disconnected or hung up on. He could not give me their number and then transferred the call.

The phone rang and then went into a man’s voicemail which I could not understand or make out his name (the person speaking had a very thick accent). I was unsuccessful with the voicemail due to a glitch in their system. The options kept repeating and would not record my information. I faxed an urgent request for someone to call me back in their modification department regarding this call/letter and I have yet to be contacted. It's impossible to get through. You are on hold for a minimum of 30/45 minutes every time; each time I've had to contact Ocwen I always get disconnected in the transfer of calls. Please help. I do not want to have to be liable for this 'past due' bill which I do not owe. If I don't get any answers or solutions to my questions, they are threatening in this letter 'negative consequences' for the 'unpaid past due' amount.

I subsequently made the Jan. 2010 payment, thinking it would be applied to Jan. 2010, but instead it was applied to Dec. 2009, and late fees assessed. Another call to OCWEN assured me again there was no need to worry -it would all get sorted out.The Feb. 2010 payment was made; OCWEN applied it to Jan, and assessed late fees again. etc etc etc."Six months" later, with monthly calls and three letters written to them, OCWEN decided I probably should replace the Dec. 2009 payment as it should be considered lost. This I did promptly in Jun 2010 along with my regular timely payment.

A review of my account shows all payments made in a timely manner with the loan exception being the lost Dec. 2009 check.The late fees continue to show on my account and their most recent letter of Dec. 16, 2010 indicates that they have no intention of removing the late fees.It is my understanding that these late fees are not allowed due to the sale of the mortgage and I would like the 201.16 in late fees removed and all references to any late payments removed from my credit report.

For example, PHH mortgage lost her mortgage payments for August and September (both were mailed on time). Then, she mailed October and November payments on time, only for each payment to be returned with a letter saying the payment will not be accepted. They were requesting a significant amount more than what she owed in each letter.

The above is just an outline of what has happened. It does go in depth, such as, many calls to PHH Mortgage, excuses here and there, and so on.

So, I have taken the initiative to help my sister. I have a friend in NJ who is a judge. Likewise, I have another friend who is a commercial bankruptcy attorney. Here is the advice that both have given to my sister and I will pass this along in hopes that this will help you too.

1. File a complaint with the BBB in NJ and report the situation. There is a form online to fill out; do this asap. By the way, there have been 321 complaints about PHH Mortgage recently reported to the BBB in NJ and I was told that each has since been resolved. I do not have confirmation of this.

2. File a complaint to the Federal trade Commission and get a reference number

4. Contact the Media in your area.

5. Hire a good attorney in your area; one who specializes in Bankruptcy. Make sure you hire one who is highly recommended and specializes in Bankruptcy Litigation. Never hire an attorney out of your area, especially ones who want money upfront who you will never meet. If your credit has been negatively affected by PHH Mortgage, through no fault of your own, you have excellent grounds to sue PHH Mortgage for "Fair Credit Reporting Act" Solid proof!

6. Always respond to all letters received by PHH Mortgage. If a letter is submitted and it goes unanswered for 35 days or more, then the foreclosure process can be initiated. PHH Mortgage could send you a letter and you can easily overlook fine print.

7. Start gathering all loan documents, canceled checks front and back or copies of form of payment showing paid, any signed agreements. Document everything. If you should have to go to court, the judge will need these documents.

8. Contact Hope Now: 888-995-4673; tell them your situation.

9. Send all future payments to PHH Mortgage certified with green card requesting signature from PHH Mortgage. Be sure to include a letter to PHH Mortgage including check number, amount, month being paid, and make copies of everything.

10. In the worst case scenario, file bankruptcy; this will stop PHH Mortgage dead in their tracks and your home cannot be touched through foreclosure.

I do hope that the above information will help anyone who is going through what my sister is going through. Good Luck!

I spoke with a representative at Ocwen and submitted my documentation to substantiate the combining of my two mortgages. I was informed that I would receive an answer in 7-10 business days from 11/18/10 to my claim. On 12/6/10, I received a letter informing me that my second mortgage had been transferred to a different lender. The new lender had no knowledge of my dispute. I believe that Ocwen deliberately transferred my loan in an attempt to avoid resolving my dispute. I would appreciate any efforts in resolving this issue. My second mortgage is currently in default and if I do not resolve the issue soon, I will be in jeopardy of losing my home.

None of these ever occurred, and the next month, we're faced with the same dilemma of being forced to make bogus payments or be hit with various penalties. Our county can verify that only two payments were ever received, although that hardly seems necessary, since as far as I know, nobody requires more than two property tax payments in a fiscal year.

All the phone calls and letters go unanswered. I have a fixed mortgage yet my mortgage payments go up 400 due to escrow being short? How can that happen when I pay on time the full amount? Yesterday, November 20th, I received notice that my home is in foreclosure once again. I am not looking for any type of hand out. I will take anything that will keep me in my home; I will pay 40 years instead of 30. Anything they can offer. I have put my heart and soul into my home.

I cannot imagine not living here any longer. I'm exhausted from all this and I have lost my spirit and faith. I have worked my entire life for this home and I am about to lose it unfairly. I feel hopeless along with thousands of other people. Together let's stop PHH and put them out of business as they have put so many hardworking Americans out of their homes. If anyone can direct me to urgent help to save my home please contact me.

My mortgage was $739.69 (including late fees), being in the rear for two months makes that’s only $1479.38. That is a difference of $4,298.14 that was not explained when I regrettably agreed on via telephone call. I have to say also, the person to whom I was speaking didn't speak clear English and was hard to understand. But during this conversation, I was told that I had to accept this plan in order for PHH Mortgage accepts my payments. This doesn't seem fair by no means; I am being forced to pay PHH Mortgage an outrageous amount to keep my home. Is there not a way to hold PHH Mortgage for its actions?

When we tried to replace light fixtures, the old wiring was just falling apart. We had no choice but to replace the old wiring in the house for fear of an electrical fire. Then there was the old heating system that had actually blown a hole last winter in the back of the old steam furnace, not to mention the asbestos on all of the pipes in the basement was literally falling off the pipes! This house had no sub-flooring whatsoever. When the basement would get wet every spring, we could smell mold through out the house. So I can only imagine what kind of exposure we all had to that asbestos! So we had to remove the asbestos safely. By the way, my husband grew up in carpentry so most of the work that had to be done got done by me and him. All we paid for was the material. Keep in mind that we hadn't yet put in the heating system.

We also had no choice but to replace all the old plumbing. We were lucky that we have a close friend who is a plumber who came in and did all of this for us at cost. We figured that seeing as though the house had been appraised back in 2008 for $227,000.00 before any of these improvements had taken place, that we would have been just fine refinancing even if the housing market wasn't doing so well. These were huge improvements after all. So we finished much of the work and we found another mortgage company that had 4.5% interest rate and started working with them to get things moving. The entire time keeping up with our mortgage payments! The name of the company that we were setting out to refinance through was PFP Wholesale. My husband was the one who found them.

As soon as I saw the name of the company, I got a little nervous and expressed it to my husband who in turn assured me that everything was just fine. The guy, called Kerry, that he had been dealing with everyday at least twice a day to see if he had gotten all of his paperwork done and to get it faxed over ASAP. So we did. Then he got it to the underwriters and told us that everything looks great. Then he proceeded to tell my husband not to pay September’s mortgage payment that I won't need to and because Kerry's truck was going to get paid off as well, that he didn't need to pay September payment for the truck either. This is where everything went downhill. It gets much worse. So this guy calls Kerry back and tells him that he will be sending an appraiser in the next couple of days. Kerry then said, “Is it going to be okay that the kitchen is not finished?”. The guy replied, "Does it look like a kitchen?" Kerry said, “Well, yes!”. He then said, “Don't worry about it”. Then he calls back the day before the appraiser is to come and tells Kerry that he just found out that whatever is not finished in the house will be considered unfinished in the report. We then began the panic. We not only had an unfinished kitchen but no heat!

So we had to call the appraiser and tell her our situation and ask her to come another day. She agreed but only gave us a week. So we scrambled and spent every penny we had to get everything finished. We literally worked on the house right up to the very last half hour that we thought we had before she was going to show up. Just as we get ready to clean up the huge mess, we had the appraiser shows up a half an hour early! So while her and my husband goes around the house, I am cleaning up like crazy! This woman proceeded to tell us that not only is she an appraiser but she and her husband buy houses and flip them. At one point, I noticed that one of the light fixtures is not up so I run into the kitchen to get the light fixture and hand it to my husband just as I do that, she proceeds to take a photo, I am in her way, and she screams at me and says, "Get out of the way!" That is when I just walked away and stayed out of the way.

When she was done, she asked us if we would ever be interested in selling. We both said, "No!" Now, keep in mind that in 2008 with no work whatsoever done on the house, we refinanced the house through our bank that we do our regular banking through the appraised house at $227,000.00. We took out $178.000.00 to consolidate our bills. Thinking back now, we should have known something wasn't right. Not only did they not send an appraiser and when asked how they came up with $227,000.00 without an appraiser, they stated they did a market analysis. They also never asked for bank statements or pay stubs. When the time came to close on the loan, we noticed that the loan was not through our bank but through this company called PHH. We asked how what this was all about and they said, "Oh, we sold the loan to PHH".

Now, back to the appraisal, a couple of days later, they come back and say that they are having a hard time trying to find any house to compare to ours. That it will take a few more days. Eight days later, we get the appraisal and we were completely dumbfounded. First she stated so many wrong things on her report and appraised the house way under what we even owe on it. She came in at $146,000.00! So, now here we are, one payment behind and broke! We can't pay our truck or our mortgage. So we called PHH back, told them everything, and asked what we can do to fix this. They told us that we can just refinance through them. So again! We had to go through all the paper work and then pay for them to send out another appraiser, who came out only two weeks after the first one, and then appraised it even lower than the first appraiser!

Now at this point, we are two payments behind. So we call PHH again. Bu the way, the phone service these people have is awful! You spend hours at a time on the phone being put on hold and transferred from person to person. It was after we had become two payments behind that we were told that we could do a modification! We were very upset with them! We let them have it! We told them that we came to them before we were even behind and asked if they did modifications and was told no! So they did this interview over the phone and then we were told that we indeed qualify and that they have some paperwork that they will send and to please look it over and make sure everything is correct.

In the mean time, they would get everything in motion and we would have a new payment paying only 2% for the next five years. Dropping our payment considerably, we finally had hope. Then the paper work shows up and it's like we are refinancing all over again. We had to fill out all of this paperwork and then send them all the same information we just had for the refinance. We were not prepared for that. We were made to believe that everything was already said and done. Then the phone calls started, demanding payment. When we told them that we were in the middle of doing the modification, The Obama Plan, they said that it would take up to 60-90 days to get approved! What?

So, day after day, we are calling, trying to find out what the heck is going on, getting shoved from one person to another, hour after hour! At this point, we are being told that in order to be approved we have to get caught up on our payments. Which they needed right away, one payment and half of another. We were like, “Are you people crazy! We are coming to you for help because we can't pay and now you want more out of us!?” So we told them that we have no choice but to do a short sale. It was then that they told us that our house is set for foreclosure but that we could fill out the paper work for the short sale and that it will stop the foreclosure!

After reading all of the complaints, I see that there is no hope of working with PHH to find an ethical way of getting out of this ordeal! I have decided to send this file of complaints to Glenn **** in hopes of this getting out into the media. He's as honest of a man, I know, and I pray this will spark his interest for all involved. I came across a tragic story that Fox News had posted on the internet about a woman who committed suicide in her home that PHH was getting ready to auction off in a couple of hours. After what we have been through with PHH and after seeing what all of you folks have been through, I have no doubt this poor woman was facing the same set of circumstances we all have been facing with PHH and still continue to face.

On March 1st, 2010, they sold my home right out from under me and it stated that they conveyed the property to PHH Mortgage Corporation. They claimed my house as being vacant! I sent in proof that I live here and am still living here. So I was trying to get the sale rescinded since it was done "unlawfully" and it has been nothing but a complete nightmare. I am now trying to reinstate my home (for something they did unlawfully). They told me I had to come up with $16,500, and show that I had it in my bank account. I had to borrow money to show them this. And then, after I had faxed this to them and showed them this, they raised the price $4,000 higher!

These people are not complying with any of the programs that the president put out. I should have been approved for my hardship assistance. This is accounting fraud, providing false information. They are letting peoples' homes go into foreclosure intentionally to get the insurance money, scamming HUD, and then reselling your home and making even more money. These people better be prosecuted and the government better do something about this.

What is the fiduciary responsibility of an institution when it provides the State's reputation to a private business -- knowing full well the notoriety of that business? I hear State schools are now laying off employees. Hard times they say, harder times for the people who lose both their jobs and their homes because they trusted their employer.

There was a point last year when Ocwen sent me statements, 4 if I remember correctly, that said "no payment due." I thought I had sent in an extra payment. Ocwen had been sending me two statements a month so on the fourth month, I did not send a payment. I believe that is why they are saying I am behind 7 instead of 6 months. I am gathering the statements now. I just need to finish the bankruptcy paperwork first. They have made property inspections and had appraisals made every 6 months at my expense! I was not notified nor was I given a copy of the appraisal.

Ocwen claimed they were working on a loan modification for about 4 times during two years. The first time, they worked the numbers incorrectly and the last time, they just refused to approve it. The woman that took my information said I qualified but they would not give me a modification until I paid the past due amounts. The last man to attempt a modification by adding the past due amounts to the end of the loan said that it was just more profitable for Ocwen to foreclose.

Basically, they are trying to steal my property since the land the house sits on is worth the loan balance. The loan balance is now almost at the original loan amount because they keep adding fees of about $6,000 worth. My original loan was $109,000 while my statement says $102,000 and the Ocwen representative says $108,000. These people are crooks. I could go on but I don't know what information you need. I will gladly provide whatever is required to sue these crooks out of business. They are ripping homeowners off and breaking the law!

I understand the bankruptcy needs to be noted but the exempt should also be noted and after bringing our credit back up and all other surrounding information, I believe we should not be penalized any further. Our loan officer and the new loan company who we are looking at cannot see why they will not correct this but due to new laws, until this caution is removed, they cannot grant me a refinance either. PHH are not returning any of my calls to let me know what is being done, if anything. This is very upsetting to us, as this negative mark they have on our file is prohibiting us to do any improvements with our home. What can be done or who else can we contact to help with this situation?

It is time they were held painfully accountable for not adhering to the current HAP procedures, and perhaps others I am unaware of. Entirely unethical behavior. When they state on the telephone that they are reviewing your HAP documentation, they tell you specifically that the review will take "up to 90 days" but then they file notice and intent to foreclose before 90 days. A critical element of fiduciary and contractual behavior by a corporation is clearly amiss with obvious intent.

I am thinking treble damages for misrepresentation and breach of contract by PHH. I just need to find others who want to bring this company to equitable justice and of course save my home, too. If a civil suit by individuals won't come together, the government should step in ASAP. There’s a potential loss of home in which I have over $100K of direct equity as that was my down payment on the home, which only cost $297K and has a 30 year fixed rate loan.

PS: What is the name of the CEO of PHH? I want to send a certified letter and demand letter this week for Equity in Civil Court. Thanks.

I contacted the company in Sept. to inform them that I was due to receive my tax return and I would catch my payments up then. On October 4, 2010, I received a letter from PHH demanding that I pay said amount ASAP or risk foreclosure. The letter was dated 27 September 2010, but it was sent from New Jersey to Georgia. Attached to the letter was a check and a statement that read that they don't accept partial payments. Luckily, that same Oct. 4 day, I received my tax return so I deposited it in the bank on the 5th and did money transfer to PHH for the 6th.

On the 7th of October, I receive another letter from PHH that was dated the 30th of Sept. alerting me to the fact that my loan had been turned over to a foreclosure attorney. I called them on the 8th of October and was told that yes I sent in the money that the October 4th letter requested I do, however, they wouldn't be accepting it and would return it back to me because the loan was turned over to their foreclosure attorneys.

I don't understand how they can send a letter from New Jersey on the 27th of September and then process my home for foreclosure on the 30th of September. I responded and provided the money requested two days after receiving the letter. Now I am being told that the cost of reinstatement of the loan will be an additional $3800. This is totally unfair.

On Friday 10/15/10, a message was left about documents. They were closed when I tried to call back. On Monday 10/18/10, I called about the previous message. They said the contractor had given too much information on the W-9 form. They would send it back and he would have to cross off his Social Security number and initial it. That would take another 5-7 days in processing the claim.

I asked if I could just fax them a corrected form and they said, "Yes." So I did. I called them to confirm that they got the fax and she said, "No." I was apparently given the wrong department fax number and that it would be forwarded in 2-3 business days. I asked for the right fax number and drove the 26 miles again to refax it.

I called again to confirm if they had received the fax and she said, "Yes and now the claim would be processed and the money released in 24-4hrs." That was on 10/18/10.

On Friday 10/22/10, I called asking where it was. Now they said that they had to generate a draw code for my contractor and that it would take another 3-5 more business days. I asked to speak with a manager or supervisor and was told no one was available but some one would call me within 24 hrs.

When no one called me after 24 hours, I called again and asked to speak with a manager. This time, she just hung up on me. We are now behind in our payments and the principle amount that we owe on the mortgage is less than a third of what the insurance check is.

We live in a rural area. The closest place we could find to live in is 13 miles away. We have to drive 26 miles twice a day to take care of our animals. We have had to pay our contractors over $9,000 out of our own pockets for work already completed and now work has stopped because we cannot come up with money anymore.

The house needs to be insulated and all the duct work cleaned and repaired before the heat can be turned on. Winter is just around the corner and who will pay if the pipes freeze and break? The strain from all this is just wearing us down, I just feel beat up and ready to give up.

When I got this, all calls to PHH changed little, it was a mistake they will retract it soon, or that the workout would override the paperwork for the sale. Well it was sold to PHH's sister company and I have a notice to vacate. I am talking with a lawyer but being told there is little that can be done.

Never, never believe any story PHH says; they have this down to a fine art and there is nothing that will be done about them. I would like to know who they are paying off to be able to string homeowners along that are making a honest effort to make things right. Yes we got behind. That does not make me less of person. I followed what PHH was saying like an idiot because I felt they were trying to help.

This has been so frustrating! It's hard enough worrying about my monthly bills, not being able to find employment & trying to get the help I need to keep my home & get lie after lie from this mortgage company. Can't something be done about this company?

Everything they did was illegal. I called them and they stop for know. I do not know was going to happen next. They are very bad people. My family have been so stress and crying and scare of what they going to do next.

Morgage payment was sent back to me and they will not accept any payments until all 6 payments are made in full, including late fees. Now they sent it to an attorney for foreclosue, when I never received written notice of this. They refused to tell me this over the phone or in writing.

They tripled the loan from $100 to $300 a month and misrepresented the facts; the person who presented the loan lied plain and simple andsaid the loan would never go up and the rate would go down.

I was also told by Bob, Markita, and Casem to keep in touch with them for an update on the re-modification. I contacted PHH from April through today and they still give me the run around.To make a long story short, they messed me around for 6 months and sold my house. I have over 120 pages of emails back and forth from them, not to mention the 80+ calls I've made to them.

Every time I called them, I was left on hold for 50 minutes to 1 and 1/2 hours. Then, when I did speak with someone and explained the situation, they would say, "Let me get someone to help you," and put me back on hold for another 30 to 40 minutes. Basically, they stole my house and gave me the run-around and still continue to do so. From May through September, I called and spoke with someone different. I would then follow-up with an email and every time, I would get the same email, "Dear Valued Customer: Thank you for your inquiry. You will receive a response from one of our Customer Service Specialists within 24-48 hours business hours. Monday through Friday. "

I went through this for 6 months and for 6 months, I would receive an email stating, "Your file is being reviewed. " Then, on September 2, (5 days before the sale date), Collene sends me an email telling me to send them an "Updated file"! This was the Friday before a holiday, yet they tell me they had to have the information 5 days before the sale date, which was impossible because Monday, September 5, was a holiday! I faxed the information first thing Tuesday, talked with Casem, who told me he would send an email to the attorney to postpone the sale.

I spoke with Jeremiah, who told me he received nothing. I called again and spoke with Kim on Wednesday, who said, "I will send an email to postpone when the email system comes up. " This is after I was on hold for 1 hour. I called Jeremiah again on Thursday, who advised he would call them on Friday. Still, on September 9, my house was sold. They (PHH) purchased it back for $40K. I refused to give up. I called and talked with Russ ** who told me they never received the file in March, which was a lie, because I confirmed they had it.

No one can give me a straight answer as to why they "stole" my house. I've contacted the Ohio Attorney General and the BBB.They have been rude, disrespectful, and horrible customer service representatives.

They steal people's homes and lie about it. I've contacted the media, and hopefully, they will do a story on this. They must be held accountable for what they've done to me and many others.

Then I received a call one afternoon on the last day in December 2008, from Ocwen, offering me a loan modification to pay $545 a month at 6.5% interest and to raise my loan amount from $66,000 to $82,000, but I had to sign and fax a paper to them in the next two hours or it was no good. The person could not explain what all the charges were for. So I did not do it and after a few months, they began to foreclose.

I called Ocwen and told them I wanted to keep my house and what could I do. I was told repeatedly from that point on I needed to apply for President Obama's home modification program. Ocwen told me if I did not qualify that they would work something out with me to keep my house. I turned in 53 documents to apply for a loan modification.Two weeks went by no word. When ever I tried to contact them, I could never get anyone, just a recording saying my loan was being worked on and not to bother them. The foreclosure date was getting closer and no way to communicate, I wrote a letter. Nothing, finally, when foreclosure was eight days away, I called Ocwen put in none of my information just so I could get a person on the phone. They told me my file was incomplete and they were just going to foreclose.

I called Ocwen for 2 to 4 hours a day up to the morning of the foreclosure. Everyday, I was told something different. I resent all my documents. Finally, on the morning of the foreclosure sale, after yelling at them for lying to me saying my house would not be sold, the fourth person I spoke with put me on hold for 40 minutes or so, then told me there was a new foreclosure date.

Again, Ocwen promised me I could keep my home. They requested my financial documents for a third time in four months. About a month later I received a modification offer by mail, giving me about 48 hours to fax it back to Ocwen with my signature. This time it was 6.5% interest, loan amount $94,000. They said I did not qualify for Obama's program, and this was what they were offering me. When I called them asking about the extra $14,000. dollars, there was no explanation. None. I was hung up on once, transferred to a supervisor and then hung up on.

I did not accept their modification raising my home loan from $66,000 to $94,000. They sent me a letter explaining all the ways we could reinstate my loan besides a loan modification. I wrote back saying I would do any of the ways to prevent losing my home. As the next foreclosure date became closer, Ocwen became impossible. I was told there was nothing they would do, "to yes we will definitely work out a reinstatement of your loan."

I called them about everyday for the last two weeks. They even said there was a new government program they were seeing if I would qualify. They told me over and over my loan was being worked on for modification, and in that case, it would not be foreclosed on, that the date would be moved ahead again. Well, my house was not on the foreclosure list in the morning, Ocwen said it had been postponed to process my loan documents. That same afternoon at 4:45 someone from the trustee sales co. called saying Ocwen called putting my house back on the foreclosure sale list at the last minute, and one of the two people that remained at the sale had bought my house.

I was married to Cherly as common law and we bought a house which she now lives in with one of her daughters. We are separated and have been for 8 to 10 years. When this appeared on my report, I called Ocwen to inquire about it; give them my SSN# to search and they could not find anything regarding a loan under my name or SSN#. I had inquired about this a year ago and nothing was found.

So this year 2010, the delinquent house account of Cherly still appears on my Experian report. According to what details I have, this case was open in October 1979; I never knew Cherly until 1980-81. During the time we lived together in the house, I never re-finance anything. Cherly still lives in the house and has refinance, but I never signed any paperwork to refinance a house with her. I am remarried and am buying a home in TX.

Please address your comments or suggestions to my email : **@gmail.com or my wife Melinda ** at **. Thank you and I look forward to hearing from you.

When the representative checked their system, the information was indeed scanned into their system under another file. For months when I called for the status, I was told this same document was missing. I informed the representative of where to look, and yes, the document was there. I called for 2 months, twice to three times a week and spoke to several different individuals.

At one point, I was told my modification was approved but no details were put into the system. I asked for a supervisor in an attempt to get this modification moving faster. She assured me that my file was placed in escalation. She would call me when she heard something regarding the loan. As of today, October 4, 2010, I've never heard from her. I continued to telephone the modification department for two months to get the status of my file.

I was then told instead of 30-60 days, it would take 90-120 days. I informed the representative that I was told 30-60 days and I was well past that time frame. She insisted 90-120 days. Still, others were saying the modification was approved, no details. During this time, our mortgage was 4 months behind, late fees accumulating and no status. I telephone Fannie Mae for results. I was referred to a Portfolio Manager. As of today, I haven't heard anything from Fannie Mae.

During the week of September 13, 2010, a payment was done electronically to bring the account up to date. That payment was rejected. PHH Mortgage called numerous times throughout the day regarding that payment. A representative told us to pay $3000 certified funds mailed to his attention and our account would be up to date. That same day $3000 certified funds were mailed to him. He signed for the funds on September 24, 2010.

We received a letter dated September 23, 2010 that our file had been forwarded to an attorney. The representative had knowledge of our payment on the way to PHH Mortgage—why was it forwarded to an attorney? By the way, I've been working with them since late April, early May for a modification due to my job situation. Over the past 4 months, PHH Mortgage had not been helpful. Each time I call, representatives gave different and conflicting information. They always stated the modification was approved but give no details. As of today, October 4, 2010, the only way to be reinstated is to speak to the attorney, which has incurred fees on his behalf. During the month of August, 2010, I emailed a manager and supervisor regarding this modification. As of today, October 4, 2010, I haven't heard from either of them. Today, October 4, 2010, I telephoned with the hopes of speaking to the CEO or highest manager within this organization.

Economic damage: the idea of losing this home while attempting to modify and make payments. They have rejected the payment and referred us to an attorney. Had my job situation not changed, I would have paid my mortgage. There are numerous companies advertising to assist with mortgages and last year I attended a seminar with NACA and completed the necessary forms and was told by NACA that PHH Mortgage is refusing to work with them regarding our mortgage. Physical damage: my health and added stress. I've asked PHH Mortgage to put our late payments on the back end of our loan and to write off our late charges, they've refused to do anything except refer our mortgage to an attorney for more money.

The mtg payment that was mailed on 09-07-10 was not posted until 09-27-10 and each month, this company increases its revenue by charging a $35.00 late. This payment was mailed to the Cumberland Ave address in Chicago which is designated to process payments in 24 hrs. The customer service department has been outsourced to the Philippines and I was only able to reached Ms. ** after accessing the internet and using information for potential "investors" in this corporation. The CSRs at the general number are barred from advancing customer concerns up line to management or sharing contact information for the management team.

They went into a "California superior court" and "posed" as attorneys for BA and lost their case! We were served a subpoena for "BA" to come to court! Moreover, this did "stop Ocwen". When you 'don't win as "BA", pose as somebody "else" right! This is exactly what they "did again! Ocwen posed as a "independent investor", Sunshine Fields, in the great "golden state" of California. And they "won" but not as "sunshine" but as a new "investor corporation", HRB associates, a new "unlicensed" corp. in California. And to ensure their victory, they also "influenced" court officers, file clerks and commissioners in a superior court of law! This was one of the "greatest civil rights violation in the history of the United States! A fraud was committed in a superior court! Not once but three times! Our civil and constitutional rights were denied. And our due process denied and the unlawful seizure of our home! And our property given to a corporation that "never filed" legal documents for its possession!

And also 'we were never served a legal summons" by HRB associates! Who by the way was Ocwen bank the "whole time" only in America! We are ashamed to be Americans today! We are cictims of Ocwen bank fraud and court crimes!

This was after two months of weekly calls. Ocwen requested we only call once a week, advising us they were waiting on the report from the underwriters. When we contacted them and told them our house was set for sale, they finally located our paperwork. It had been sitting on someone's desk, completed and approved for months. But, by the time they set it for sale, the time limit had expired. We were required to resubmit all of the same paperwork again for a new application. In June, we again saw our house listed for sale. Again we contacted them and they said they had been missing paperwork with our application. We advised them we had never been contacted or informed additional paperwork was needed. We provided the paperwork they requested and they postponed the sale again. We were advised that we had been approved for an in-house loan, and to call back the next day to verify details.

When we called back the next day, we were advised by a different person that our in-house application had been withdrawn because they were trying to get us approved under President Obama's home retention guide lines. They requested more paperwork. This paperwork was submitted and we were advised it would take at least 30 days to find out if we qualified. Again, we saw our house listed for sale in the paper. We contacted them again and they said they were missing paperwork, paperwork that had been faxed, emailed and mailed to them at least 3 times before. We were told they were going to try again to get us approved under the President's guidelines

Each time we tried calling, their automated system put us in touch with a Sanjay **. We left daily phone messages and emails and could not get him to contact us. Their automated system said we were missing paperwork but did not specify what they were missing. After two weeks, a Lester ** from Mr. Sanjay's office contacted us and told us what additional documents they needed. All of these were faxed within 4 days of his request. Their automated system message had been changed saying our application was in review. Again, daily phone calls and emails went unanswered by Mr. Sanjay. Our house is set to be sold tomorrow, 9/10/10. The recording accompanying the message our application was in review states that if a property is set for sale, but the application is in review, Ocwen will not proceed with the sale.

We contacted the attorney's office handling the sale and they advised the sale is still pending. After messages left for the president and CEO of the company, we finally got a call from Valarie saying we were missing paperwork and that's why the house is still set for sale. When we advised her no one advised us they were missing anything she had no response. We emailed her the requested documents and as of this writing, are still waiting for her to call us back and let us know if the "rush approval" has in fact been approved.

I am now trying to short sale the house. I am so frustrated and stressed that I have been a good homeowner for over 30 years. Now, I am losing my home and have no idea where I will go. I am disabled, lost my job and have had 2 hip replacements, a divorce (which caused me to mortgage the home) husband with brain tumor who lost his business, a son with a seizure disorder. Originally, I paid cash for this home and due to a predatory bank and a mortgage broker who put me into this loan when I was in the middle of a second surgery, they told me it would be a fixed 30-year and lied to me till I saw the final papers that was with Sierra Western Mortgage Brokers (Tim **, San Ramon, CA) and he is now out of business. There is no home affordable plan. I even contacted the Hope Foundation and they, too, tried with me on the phone to work with Ocwen.

These servicing companies do not have to play by any rules that the banks might have to or even consider your letters or requests for a remodification, they do not even have to respond. This is criminal and I can't believe that we have all been scammed by all of these organizations! Shame on all of these banks, mortgage brokers and servicing companies to take advantage of people in these times. My home is now worth way less than the mortgage and the price I paid for it in 2003.

I explained that my wife is the only one working and I'm picking up odd and end jobs trying to stay afloat. I was sent a Home Loan Modification form and instructed to fill it out and sent it back in the two-day envelope. Three months went by, I got a foreclosure letter. I then called PHH and they instructed me that the foreclosure cannot happen because I was in the Home Loan Modification program and I was still under review.

I called every other week to calling every week to check my status. Then I was instructed to fax PHH Mortgage my wife check stubs for three months and checking account for three months. Then the hurry up wait process began. Sometimes 30 to 60 minutes at a time from being transferred from one person to another. Now seven months of "under review" has passed and I received another foreclosure letter.

Once again I contacted PHH and I got the same response. Two days later I received an enveloped from PHH with another HAMP form and a denial of the program because, the lack of documentation. It did not indicate which or what documents were missing. I called and was told that they had problems with their system.

I received that package by mistake. He is going to escalate this to management on Thursday. I called that Friday and spoke with another representative and he said the exact same thing, that he going to escalate to management. Well at the end of all the waiting, faxing, phone calls, and lied to by PHH. They foreclose on my house and now it's in the hands of Fannie Mae. Wow, let's see if they will bail me out? I have a daughter who is a junior in college trying to work two jobs and maintain a 3.2 GPA. It has put a strain on my marriage and more gray hair for me. It's hard for a 44-year old man to find a job to pay him what he's worth or better yet, enough to maintain his family.

I called my lawyer and she tried to contact the lawyer for PHH. Three months later and I have not been able to make a payment as they reinstated the mortgage at the amount that was owed when I filed for bankruptcy. This is the most backward mortgage company I have ever had to deal with. I have faxed them the payment documentation five times and they still can't get their figures right. I will now try to sell my house so I can pay off PHH and never have to deal with them again.

Losing payments upon payment, creating figures that are not valid. Increasing the mortgage payments by doubling them and placing unauthorized escrow account with borrow mortgage payment. We provided Ocwen with the documentation they requested from our banks and still they could not get it correct. Ocwen and its partners have complaints after complaints. How can everyone all over the United States who do not know one another have the exact same complaints which are definitely valid.

The agreement in the very 1st paragraph read we had until July 31st 2010 to respond. The proposal was dated July 16th 2010. My question at this point in time was how is a person supposed to return the proposal by July 31st 2010 when we did not receive it until August 6th 2010? I then tracked the package to see the date of shipment, PHH shipped the package August 4th 2010. This gets better upon further reading of all the contents in the package; it clearly stated if the package was not returned by July 31st 2010, the entire proposal would be void. The proposal also contained $11,143.18 in fees, not including another $1132.78 in late fees due immediately in Certified Funds along with all the documents notarized and signed before two witness that could not be friends nor relatives to the borrower or co-borrower. The offer, I might add, also clearly did not follow the HAMP guidelines which clearly states our new mortgage payment including taxes and insurance may not exceed 31% of our gross income.

Yesterday, Aug. 10th 2010, we received a notice from Trott and Trott Law Firm that a Sheriff's sale of our home was scheduled for Sept. 7th 2010. This is just 2 business days after receiving the Modified Mortgage Proposal from PHH Mortgage. PHH did not even allow us time to respond in their prepaid 2 Day Service Return Envelope.

We have been attempting since February of this year to resolve our Hardship Case which we clearly qualified for with PHH Mortgage. Through their incompetence, and their clear attempt to just foreclose on the property which we have made perfectly clear we wish to keep, is now in danger of being lost.

My question to the President of the United States is this, who is monitoring your bailout program to insure that these financial institutions are following all the government mandated guidelines? PHH Mortgage, in my mind, definitely needs to be investigated by the Federal, State and Local Authorities as to how they are forcibly taking all of these properties.

So this is on November, December and January. February come and we got a letter saying our payment is supposed to be $619.30 but we had been sending in $617.80 on the forms. From being approved for this mitigation, now they are telling me that I'm 4 months behind and to send in $$$$.$$. So I'm like I have my proof from Western Union. Do I need to send the proof? Well, I did this and they claim they couldn't read them so I copied again, send in the mail and faxed again. Still they claimed that they didn’t get them so I did it one more time and they said that they got them but now it's more months and they are saying that they don't have funds where I sent the money and they are like well why these receipts say it went to PHH in such and such.

So in May, we started getting checks in the mail, one after the other but they ended up last month of June. I am sending this to an attorney but at the time in March, we applied again for a mitigation because I was diagnosed with MS December 2009 so my income was down to short term a week and it was and still is hard because they told me that my case was in review. But I got a letter form from the attorney about foreclosure and they sold my property back to PHH even after knowing that it was being reviewed and this was on July 19 when it was sold. Every time we call in the run around, I'm on hold for 20-30 minutes then they tell me that it is the wrong department. I need to speak to Reo and I leave a message, message, message and message and to this day, I've been leaving messages and no one has returned my call. I leaved a message and in 24 hours, someone will call me back.

But I'm under so much stress and it caused me to have relapsed. So today, you can say for the last 3 days, I went blind again with MS from being stressed out. I just want to know my status so I, my wife and our four girls could live a little stress-free. Even with telling them over and over again about the situation of his hardship, we don't know what to do from this point but I have over 13 people’s name and numbers I've left messages with and no one returns a call. If you get one that don't speak great English, they get mad if you ask to speak to his/her supervisor and will tell you to hold on while they transfer you and you will never get no one but a recording saying leave a message.

They really need to have an investigation done on this company because it's like they don't really give a care if you are in a home or not but you will look at it as if they are going thru bankruptcy and that's why they don't really answer or return calls so after reading all the other complaints, I see that I'm not alone. It just hurts and don't know what to do from this point since they sold my property on July 19th and sent the letter to me on the 20th. The attorney for them doesn't answer her calls either or check her voicemail so it's like I'm just in the middle of hay pins now.

What am I to do? Is there a help or not? Due to being stressed out, I have had 4 more relapses. I lost my vision in my left eye and my movements are leaving with pain and stiffness. My kids are so stressed and worried because they know that something is going on. The people that work for Hud came taking pictures of the home while we are in the home and my girls just cried wondering what is going on. Do we have to move or are we losing our house?

Can you help me? I am also the same person who just sent a request regarding New Hope Modifications where I paid $1,500 trying to get a modification and they refused to refund my money. I have all the documentation you need for both these places.

After cleaning out our 401Ks, and getting behind in our other bills, we had always end up catching up. We even had a sheriff at our door one time informing of the impending sale of our home. At the time we had the money, but it was in our 401K. Because we only had a letter informing us of "impending foreclosure" we were unable to get the "hardship" money out of the 401K. We were told to wait and let the home go into foreclosure. Then we were able to get the money. That had been a nightmare in itself because like others have reported, it is horrible to try to talk to the operators at PHH.

Most of them are rude or barely speak English, and all you do is repeat your story. At the time we explained we need a letter stating that we are in foreclosure so we can get the money to pay them. (You think they would have been a little more helpful). This whole process took about 2 months. They were also having problems with their computer they claimed, so information was not ever getting passed on. By the time we could send them the right amount plus all the late fees, there were also lawyer fees. We ended up reporting this to the Attorney General's office, who helped us waive the lawyer's fees, but it's the principle of the matter.

Why couldn't they have just worked with us? Reduce our payment even temporarily until my husband got a job. I wonder if they even know what kind of a business they work for. At the end of each phone call they always ask why we're behind in our payments. "Because my husband lost his job." They should have this info on record by now! How many times have we gone over this?

We built this home from scratch on family acreage, we are not giving it up without a fight, but who do you fight? You cannot talk to anyone who knows anything or can do anything. My husband got a great new job now in another state. He will have to pay rent for his apartment ($600.00/month) and for gas to come home each weekend (if he wants to drive the 8 hours there and back). It's around $200.00 a weekend. We were told shortly after he got his job that we would probably qualify for the loan modification program now! Now that he has a job, we may get some help! Of course we applied again (for the 4th time). We are still behind on all our bills because of him being out of work for 2 years.

We turned in all our paperwork and then some. My husband just recently asked about the progress of the paperwork and was once again told it could take up 90 days to process. So we waited. My husband had asked them, "Why does it take you so long to process the modification paperwork, but with the foreclosure paperwork, you’re right on top of?”

I just received another letter from PHH, informing me that I may qualify for the loan modification program, all I need to do is send in. Are they for real? I just sent in all that paperwork 2 months ago! Something has to be done about this company. This place is a joke. I heard they actually get reimbursed by the government for any foreclosures. No wonder they are so quick to foreclose. It's no skin off their backs, if anything, they make more money then! There are so many hardworking people losing their homes because of layoffs and the economy right now, and PHH is just scavenging off other people’s misery! How many complaints must there be before something gets done? Who do you complain to to get something done? From a very frustrated, hard-working mother in Minnesota.

We no longer have money left in our 401K accounts. We are always behind on all our bills just trying to keep the ship afloat. We are always stressed and depressed! We also live in a small town, so everyone knew our home was in foreclosure, they have it right in the paper! We were like, "We are not losing our home, we have the money, it's the lack of communication!" Plus, it shouldn't be anyone else's business. Why do people read them, anyways? I didn't even know it was in there until someone else told me!

I got a hold of a really helpful and nice rep who seem to be very knowledgeable about the process and options. She suggested we send my file over and apply for their in-house restructuring program. She was assuring that it would not take the usual 90 days since they have already reviewed and investigated me for the Obama program. This was in April. I received my yearly statement as usual from PHH and since my taxes were reduced, my loan payment was going down by $33 in May. Every little bit helps.

It is a few days to August. So far they have taken the higher amount (old tax calculation) since then. I have called many, many times and they state they will not return the overage to me, they will apply it to the principal. I need it back. They tell me that is not possible. Each time, they have taken the amount I used to pay and not the amount I owe I call and after 1.5 to 2 hours on the phone, I am told it is corrected. The next month, they again take more money out than I owe. I would think it is unethical to take more than I owe each month and continue to do so while refusing to return the money they took that I didn't owe.

It has been so hard to pay this payment. I have borrowed from everyone each month just to make the payment so I can keep current while they are reviewing me for a loan restructure. But after 7 months of no response, no assistance and no progress, I am ready to just lose the house. I have even contacted an agency that helps mediate hope. They contacted them. Nothing has helped. I get calls and letters regularly each month stating I am going to face foreclosure because I have not paid my mortgage and I need to do so immediately. This is so cruel and unjust. I have paid every month on time. They have me stressed and pressured against the wall.

PHH Websites states: "We're committed to excellent service, and we have the track record to prove it." and "We're committed to excellent service, and we have the track record to prove it." This company gives anything but service. They don't even offer bad service because they offer no service. I emailed the Chief of Lending, no reply. PHH Mortgage Services has caused me so much stress and hardship. While all the time, effort and energy I have spent with no results. In addition, they have caused me financial hardships due to them taking more money each month than I owe. PHH is negligent by not offering their customers some communication and resolution in a critical and desperate time in their life. Rules should be in place to protect the consumer from these unethical practices but the company which has them back to the wall (the one holding the deed to their home).

The August 2010 payment was already sent to the Ocwen, Springfield Office and the Finance Center indicated that it would be returned. My question is why did the Springfield Office continue to send the payments back to the Finance Center and not notify me or the Customer Sevice Department of Ocwen that my payments were being sent to an incorrect address? The Finance Center also did not notify me that they were holding my payments. The actions by the Ocwen Office at Springfield and the Finance Center has caused me undue hardship and have tarnished my credibility. The Finance Center will not provide a letter indicating that they held my payments, but their transfer of monies to my Navy Credit Union Account will verify that my payments were being held.

This company had my phone number and mortgage info, without me contacting them in any way. I believe this is something set up by PHH mortgage company. The law firm that they used does not talk to you. I have to submit all request or questions by e-mail or fax. Having my stress level run through the roof, with always trying to meet there demands for paper work and info. Now needing to contact and pay a lawyer to try and save me and my families home.

The stress of all of this as well as closing my store due to the economy has forced me into bankruptcy, and to top it all off, I have a sinkhole that has caused damage to my home. And they are giving me the run-around to get the check cashed to pay the workers that are repairing the home.

Our credit scores have been damaged; our bankruptcy attorney insists that he sent paperwork to PHH to see if they needed anything concerning the bankruptcy, but they never responded. PHH insists that they never received anything formal from our attorney (although they knew of the bankruptcy), and therefore do not have to report our payments. It has been very painful.

I can't talk to anyone on the phone and every time I call the automated services, it says my package in not complete. I need to speak to a rep. but I can't get a rep. on the phone. They also say they have been trying to reach me and can't. Meanwhile, they have my cell #, my mailing address & email address. I made a complaint with their ombudsman. I was told I would get a call withing five days but that was three weeks ago. They said the person I should talk to was a Patricia Pena which I have left messages for but have gotten nowhere. I'm so afraid of losing my home.

They never signed or returned their trial/forbearance documents and never lowered my payments! Can you help me get this resolved? They have played so many games on me that I know that they are going to turn around and file a foreclosure notice for an amount I do not owe them! Please help me. I have cried to them and told them I just want to make my house payment and have them leave me alone. But they just keep up their hard core debt collection **. I hate this company!

Ocwen continues to operate in an unethical manner and has violated many laws. In addition, I do not appreciate Ocwen transferring my phone conversations to overseas operators that are not able to understand the English language and have misinterpreted information on various occasions; economic lost and mental distress. I would like a team of attorneys to handle this massive problem. Other consumers have also been impacted by Ocwen unethical practices.

A week ago they said they would mail me a letter stating what is still needed for them to make a decision. This, mind you, after we were told on April 2, 2010 that they had everything they needed and would have a decision within 60 days. What a joke this company is. At one point we tried to make partial payments and they would accept them. We are at our wit's end as well.

In my last conversation with them last night, I demanded an answer and asked about the deed in lieu of foreclosure as we are ready to walk. We don't know what else to do. In any case I got transferred to the manager in charge of our case (Carmen) and got a voice mail and haven't heard a thing from them.

What do we do now, we have less than 20 days to answer this foreclosure thing and don't even know what were supposed to do. We don't have money for an attorney. This company needs to be shut down. It's the worst company we have ever dealt with.

I continue to pay my mortgage up until October of 2009, when it became more difficult to maintain payment at the current rate. I was informed it would have taken 3 - 6 months for a decision to be taken. The first notice I received indicates that I have refused the trial modification offered to me. At the time I received the notice, my documents were in their loss mitigation department.

In January of 2010, I send in two months payment and this was returned to me. The reason given is that this was insufficient to cover the default. At that time, my mortgage was 4 months late. Had the payment been accepted, I would have been two months late instead of four. Had the mortgage company worked in good faith, I would have granted a loan modification.

I was later denied for the HAMP program. The reason given is that I was not living in my home. I had no idea how they came to that conclusion as I have always lived in the home. In August of 2010, I was denied again for the HAMP program. The reason given is that my monthly gross income is $1,489.58. This was inaccurate and they could not provide any document to substantiate this amount.

About a week later, I was told I have insufficient income and they are denying me of all possible loan workouts. This decision was so unfair to me. I have owned the property since January of 2005 and I have never owed any mortgage and PHH was not even prepared to give me a chance to save my home.

I still was having hard times. I did what they wanted me to. I submitted the paper work they wanted. It got lost and then they said I never put in the paperwork. So I did it again and again and again. They finally got it then I waited and waited. When I would call, they said they were working on it. Well, I called and I got someone, he then said they did not get my paperwork. It was not in and I was too late. All they could offer was they push back my loan. What could I do? So I had to take it. I told them the house is not worth half of what I am paying for. I told them I don't have any extra money or I don't pay bill trying to make the mortgage payment. Is there any way they can reduce it? I had missed a payment.

So what they did was make me pay double the mortgage payment the first installment and they put the remaining balance and the next few mortgage payments plus all the fees that go along. I ask them if they could reduce my payment and I ended up paying more. I have applied for the Obama program eight times. This is going to be my 9th. I have looked in to the program. I do qualify but they keep saying I don't, that I make too much money. They have me over a barrel an they know that I want to keep my house. My kids grew up here. I can't let it go. Please, please someone one out there help me. I have stress. I have to take meds. My wife can't sleep. She is going bald in some areas. I have no money. I work to pay bills. Ocwen has me like a puppet. Please help me.

One recommendation given by a PHH customer service representative was to fall behind on our payments. They assured us that if we did that, then we would qualify for a mortgage modification. So we stopped scraping to make our payments. After a couple of months, we received a nasty note saying that PHH was going to start foreclosure proceedings if we did not catch up on our payments, so we took out a loan against our 401k to catch up and, still, PHH would not work with us on a loan modification. Although paperwork was requested and submitted, every time we called to follow up, we were told to wait another for 30 to 45 days. Thirty days after submitting the paperwork, we were still being told to wait for another 30 to 45 days.

In December, 2009, realizing that our financial situation was getting worse with no end in sight, we decided to seek legal advice. Based on that advice, we decided to put the house on the market as a short sale in January 2010. At the time, the house was worth almost as much as we owed on the first mortgage, so it was a great option for PHH to recover the full amount of the loan. We had five strong offers within three days of listing the house. However, we again ran into the same problem we had with the modification, with no help and no communication. We were repeatedly told that the file is under review.

We continued to pay the utilities, the gardener and the pool service hoping to short sell the home in turn-key condition. However, making those payments put us even farther behind on our other debts, and were ultimately forced to shut off all utilities and cancel the upkeep of the pool and yard. Today, 6/9/10, per the advice of legal counsel, we contacted PHH for instructions regarding voluntarily surrendering the property. Rather than providing instructions, the customer service representative said they did not know what the process for surrendering the house was, while relentlessly insisting that the short sale is under review.

They won't even work with us when we offer to give them the house.

A modification under President Bush HOPE NOW program was not to create negative credit for homeowners who pay their mortgages on time! Ocwen must correct, update and provide accurate information to all credit agencies today! This loan was modified under a government program.

I emailed them and was told I had to call 1 (800) 330-0423. I tried several times. Each time, I have to listen to a machine for 10 min. giving options for this and that. Then I punch 0 for a CSR and I sit forever and nobody ever answers. The one time somebody did answer, I got some idiot from India who couldn't speak, let alone understand, English. All I want is for them to correct the 3 credit reports to show that the mortgage wasn't written off with Ch. 7 and that I am currently paying and up to date on the mortgage. If they can't do that, take the stupid entry off all together and don't report anything. The BBB rates this company high. Frankly, I don't agree and I will be glad when I can refinance this thing and get away from them. I will never deal with them or ERA mortgage again. They are trash, a company that hires idiots from another country is not worth dealing with.

All I have asked for is that they either remove the Ch. 7 remarks, or at least report that I am making the payments. What is so hard? They are screwing me over just to keep my 7.6% interest rate. That shouldn't have happened either. At closing, they hit me with the higher interest rate and a demand for several thousand dollars more than what it was supposed to be, because "they made an error when they were calculating the fees, etc." I had no choice but to pay because I had nowhere else to go and they knew it.

I can't get my loan refinanced with another company for a lower rate because their reporting is lowering my credit rating. I am also being overcharged for escrow money, both of which are putting me in a danger zone. I can't afford to keep this up. I have struggled for 6 yrs. to keep my house and at the rate things are going, I will probably be in foreclosure before the end of the year.

I mailed Ocwen the May payment plus extra monies again, this time Ocwen returned my check with a letter stating I was in Default. I called and was informed that they would not respond to The Financial Law Center and as yet Ocwen has not responded. Ocwen has now attached $39,000.00 in fees. I inquired and Ocwen could not give me the figures and how they calculated the amounts. I called back and was informed it as for taxes. I called the tax department and as told that as not true. I called the Riverside tax collected and informed that as not true.My taxes were $3900.00. Insurance $1700.00. I am told something different each time that I contact Ocwen, today I was put on hold 6 times in excess of 30 minutes, then they hung the phone up on me while I was still holding. I do not know much about real estate. I do know and comprehend professional business ethics. Ocwen presents as an unethical company. Increased emotional stress.

PHH Mortgage gave us the runaround so many times it's not even funny. Call this number and it does not even work. They lied about the negotiator and they misrepresented their own practices. We have a fair price offer to sell or negotiate and they have done nothing. No response to the offer even after they said an answer on the contract would be within 30 days. My home as of 5-20-10 is in foreclosure and has been bought by the bank. You call this helping the people save their homes. The attorney general of that state NJ should investigate this company and shut them down. Is this what our bank bail money is doing? Incredible!

Due to my absence, I did not actually open that letter until Jan 2010. I also started receiving default letters in Jan 2010 which prompted me to call and find out what was going on. I got many different stories and no answers. So I asked for a statement which as of May 2010, I have never received. I have continued to pay with no idea what kind of fees I have racked up, what my balance is etc. because all I have ever gotten from them was a default letter. The collection office and the customer service office are not communicating, and they both promise documentation and never follow through. If this company is an outsourcing resource for other banks, then I highly suggest that any bank that values it's customers look elsewhere for a service provider as this company is disorganized, unprofessional, and nothing more than a poorly run telemarketing house.

As a result of their negligence to provide services provided my husband and I's credit is damaged, and we can't even consider switching lenders as a result of it at this time. I have filed a complaint with their complaint department, but got a letter denying my complaint with reasons listed having nothing to do with my complaint. We have been offered a new job out of state but with our current credit mark from them we know we couldn't get financing until this is cleaned up, so we are stuck.

Chapter 7; Bankruptcy Discharged; Consumer Disputes - Reinvestigation in Process". They also show no payments being made. I filed complaints with all 3 CBs was told had to get PHH to fix. I emailed PHH, was directed to a 1800 # after 10 minutes of listening to recordings. I finally get to ask for a real person. I have tried several times to get to someone and I just sit and wait and wait and wait. I finally reached someone one time. Somebody obviously from India or some such area. Didn't understand English let alone speak it. Gave up. Have now filed a complaint with BBB - am going for Attorney General's office next. This is causing my Credit scores to dive each month because it looks like I am still delinquent (and it makes the total on the BK look 20 times larger than it was. I can't refinance, can't get decent interest rates on car or house even if I do find somebody who will refinance. This is killing me financially, which negates any benefit of going through the BK to "start over."

On 3/9/10, I received a phone call from Mr. Mark ** at Mortgage Foreclosure Experts (MFE) stating that I definitely qualified for a loan modification and he could help. He told me that he was an attorney and we could submit another loan modification request. I also needed to give Mortgage Foreclosure Experts one month mortgage payment in the amount of $1,233.33. This was so PHH Mortgage could see the amount. I wanted to keep my home so I sent over everything he requested, including the $1,233.33.

I received a loan modification proposal from Kimberly at PHH Mortgage. The letter was dated 3/24/10. Kimberly called me on 3/25/10 asking me what I wanted from the mortgage company. I told her that I would like a lower monthly payment if I could get it. We reviewed all the information I sent over and she told me that she might be able to lower it but if she did, it may not be much. She never gave a definite answer as to whether or not the loan modification was going to be approved. I asked her about the foreclosure date and she told me 4/6/10.

After this conversation, I emailed Mr. ** and told him that the conversation did not convince me that the mortgage company would approve the modification. Mr. ** spoke to Shapiro & Weisman, L.C. at 13801 Riverport Dr. Suite 502 Maryland Heights, MO 63043 on 3/25/10 and the attorney stated that the foreclosure would be postponed. The foreclosure was supposed to be postponed because I still had a loan modification request pending.

I received a loan modification proposal from Kimberly from PHH Mortgage, Lost Mitigation Department, 2001 Bishops Gate Blvd. Mt. Laurel NJ 08054 in late March. It stated that my new monthly mortgage payment could be $1,197.40 if I sign the enclosed documents and send in a certified check in the amount of $1,347.29 by 4/14/10. I faxed the information to Mark ** at MFE. He told me to go ahead and accept the loan modification. I wanted to avoid foreclosure so I did everything. I had the forms notarized and sent in the certified check on 4/9/10. The mail would arrive in two days.

The home still foreclosed on 4/6/10 despite MFE telling me that the foreclosure was postponed. In addition, Kimberly called me on 4/21/10 stating that she assumed I did not want to keep the house. She said that according to the recorded conversation on 3/25/10. I was totally confused. How could she think I did not want the house when I sent in a loan modification request twice? I also used all the money in my savings to do this modification. She told me that I could rescind the foreclosure but I would have to pay an additional amount. She never said what that was, but why would I have to pay another dime to reverse the foreclosure when she sent out a modification proposal to have everything sent in by 4/15/10?

If she knew it was going to foreclose on 4/6/10, why would she state to have everything turned in by 4/15/10? I could not trust these people to give them another nickle. I have had people come to my house to change the locks and board up the house. I have to get out of the house by 5/2/10. I have not received the money I sent to PHH Mortgage or MFE. I really need the money to move. Mark ** will not return my calls or emails. Kimberly stated that she would return the money, but I have not received anything yet. I feel like I have been preyed upon and scammed. Thank you.

They are not honest with their words nor is it true that there is such program to help you to negotiate with them. They just wanted you to be in the house without paying the mortgage so it can go in delinquency and they can just find a buyer and get it on for the Sheriff Sale. I'm trying to do everything in my power to be able to keep my house and PHH Mortgage is apparently trying to use all their non-compassionate power to stop me from accomplishing it. PHH is not trying to help people in foreclosure. It makes me really mad that there is a mortgage company out there just taking people's houses.

I wanted to speak to someone in the bank concerning the negotiation and they just put me through a collector. Also the staff refused to let me speak to anyone else that the collectors and after the sheriff notice one day before, the negotiator wanted to speak to me. They decided to call me. I told them I had a special needs living with me and their answers was, "I do not want to hear anything about your family situation. I want to know when you are going to give me the money and you need to give me 70 % of what you own and you need to give it to me today."

I told the negotiator we can we work on an agreement to put what I own after the 30 years of the loan and start fresh. The negotiator said, "No, I want the money today." I told her that this is the first time the bank is negotiating and why they are negotiating when I received the Sheriff Notice. I told her it's not fear at all. No compassion whatsoever. No compassion for the low income people and the special need patients. And then we say why in the world bad things happen to people. You know why? It's because people like PHH and their staff. I hope with this letter someone may be able to read and have some compassion for humanity and unfortunate people like us that just want to live the American dream.

I was told by PHH that they could not provide any information concerning the actual investors of my loans and if I needed further information to have my attorney subpoena the information requested! I then spent over a month with numerous PHH representatives including loss mitigation department that sent me forms to submit for modification or other options. We submitted those forms, but never had any response at all. I finally insisted on one PHH supervisor to be assigned to my four loans and I was then provided with Ms. Ruth ** of PHH who sent me a couple of written responses stating in writing that PHH had sold 4 of 11 loans in question and had transferred two loans and had closed the remaining 5 (one for a property we did not even close escrow on! This loan is still listed on their 800 # even though it was never signed by us). She stated no other information would be provided without a subpoena from our attorney.

Her last written response to our QWR was that she was no longer assigned to help me, because our case had been turned over to the PHH president after they received our certified QWR request for information. The only response to our QWR was a short letter with photocopies of the deed and notes but no proof of the original notes, nor any chain of custody for who the actual owner/holder of the note and beneficiaries actually were. They only responded with "most of the information was outside the scope of PHH as a servicer of the loans and no information was available or required to be provided for the transferred and closed loans". PHH then hired a foreclosure mill attorney law firm Shapiro to commence foreclosure actions on all four loans that they admit they only service but have already been paid in full as they were sold!

The foreclosure notices claim the attorney has now been assigned as the trustee with direction to foreclose and sell these four homes at auction by "MERS" the beneficiary as "Nominee" for PHH. This means that PHH, who has no money invested in these homes is instructing "MERS" who has never invested any money into or received any money out of these homes, is attempting to claim title to my homes without any standing or authority!

PHH has refused to provide any chain of custody information that would reveal who the real lender/investor/s and true beneficiaries of these loans really are. Instead they are stealing homes through their foreclosure fraud scheme to then add to their bottom line again even though they have been paid in full not once, but twice or who knows how many times they have sold the loan to other investors? PHH has also violated RESPA and TILA requirements by refusing to provide a full and complete response to our QWR and reporting more late payments to the credit agency before this dispute has been resolved as required.

On March 18, the money had still not hit my bank so I called back and after spending over 6 minutes to get through the automated system, I was told to press 9 to get to a customer service person and I got to Joseph ***'s voice mail. I left a message and asked for an immediate return call. Subsequently, I have called back on March 19th, March 23rd (in the morning), March 24th, March 26th, March 31st and April 12 and got Joseph's voice mail and have left messages but have never gotten any return calls. I also called on March 22, March 23 (in the evening), and April 13 trying to get to any other person and still getting the voice mail but did not leave messages. That payment has still not hit my bank and after sending the letter regarding the January payment, I received a letter back from Ocwen saying that the information had been received and the payment had been applied but this is not the case! I have been unable to reach anyone in person nor have been able to get anyone by e-mail. This whole thing is ridiculous and it is playing with my home security! The customer service at Ocwen is horrible and something needs to be done! I have no intention of letting my loan default because they are not playing fair! I have become unemployed and I am still trying to keep my payments up and would like some assistance in getting this resolved as soon as possible!

I have received a letter with financial help paperwork because of my payments being late or not found, a fault not of my own. I have again tried to reach people on all of the numbers provided, but either get the automated system which takes me to Joseph ***'s voice mail or the one I tried today, cut me off and hung up on me. I have made the payments current, with the exception for the February one, due to that check becoming lost somewhere between Cenlar and Ocwen and at this time, I am unable to make it due to becoming unemployed but I am making the current month's payment. I really need to speak to someone in person to get this rectified in order to relieve some of the stress I have from being unemployed!

I was told that there was an escrow shortage in my mortgage and I would have to pay the extra amount. I simply told them I couldn't pay such an exorbitant amount. I am working with foreclosure specialists and loan modification negotiators, but PHH simply will not talk to them or cooperate in any manner appropriate. All I want to do is get back on track, make payments that are affordable for me, and get on with my life. I am 56 years old. I'll never be able to own this house, that by the way my ex-wife wanted so badly (she lived here a total of 3 years, but I was married for almost 20 years). I have many bills, drive almost a hundred miles a day to and from work.

I have 3 kids. One in college that I had to take a loan out for. I have a car payment, plus I pay $200 a month for my kids that, by the way we have joint custody of. I'm at wits' end! These are supposed to be my golden years, yet I find myself weeping nearly on a daily basis! There should be something that all of us PHH sufferers can do about this horrible mortgage company! I am prepared to fly to New Jersey to beat down PHH's doors to negotiate a civilized solution to mine and countless other good taxpaying citizens, facing a similar dilemma involving PHH Mortgage!

We applied for a modification in January 2009, with BAC and Ocwen. We were told by Ocwen that we didn't qualify for a modification, and even though the chapter 13 specifically states that they could 'not' add any charges with in the 5 years of the chapter 13, Ocwen began to monthly charge us a 'property inspection fee' of $125, plus other miscellaneous fees. When I contacted them (goes directly to a call center in Mumbai, India), the person I spoke with could barely speak English, and I was told we did not qualify for a modification, even though we had sent letters from our attorney and our chapter 13 trustee. We have sent them numerous hardship packages, and they said they have never received them.

In July 2009, Anthony, from Mumbai, told me that they could not offer us a modification, however, he was authorized that day to offer us a settlement on the account of $3,000. I asked if we would receive paperwork stating this offer, and he replied after they received an additional letter from our attorney and the Trustee, stating that we could take the settlement option. We had the appropriate documentation sent. After 2 weeks, we had heard nothing from Ocwen, and my husband called, and spoke to Clementine D, in Mumbai, and was told the "Board" had rejected our settlement.

In almost four years of payments, not one cent was applied to our principle, all to hidden fees and interest. I stopped making payments, and again requested a modification, they again lost all information, letters from our attorney etc. We received a tremendous modification from BAC within 3 weeks after applying, and on March 29, I placed a call to Clementine in India, about a modification, she stated we weren't qualified for a modification, and gave me three options, pay the past due, the full amount of the loan, or make a '2000. settlement on the entire loan! I immediately called Money Management International, A HUD approved counseling service, and our counselor, Mari-Cruz, made a conference call to them, this time we got "Anthony', who stated he didn't know what Clementine had told us since they did work in the same office but never together !

He told Mari-Cruz and myself, we were not eligible for a modification, only to pay the past due, the total loan amount, or a settlement ! When I queried on exactly 'Why' we weren't qualified for a modification, since one of the largest banks in the US had modified our loan, he said he was not able to release that information ! I blew up, telling him it was our loan and we had a right to know why we didn't qualify, he again told us he could not release the information.

These people in the Mumbai call center, are reading from script, they are uncooperative, and uninformed. After researching this company, I have found hundreds of class action suits against this company, the settlement offer is a stall tactic. We have always intended to pay our loan, but @ 12/12 %, for $28,000, and added fees, it is impossible to pay anything towards the principle. All we want is a reduced interest rate, which by law, and President Obama's project hope, they are obligated to work with us.I have filed a complaint against them with the Federal Trade Commission, Chairman of the committee, and with our Kentucky state Congressman, John Yarmuth. I also intend to write a letter to President Obama and to the BBB.

We want to come out of this chapter 13 with a clean slate, we want to live peacefully in our home, and Ocwen is making this impossible, it is a constant nightmare everyday, and the stress involved is killing us both. I have left two voice messages for their President,"Ron Faris", 561-682-8560, his personal voice mail, needless to say, he hasn't responded. I am ready to fight, I want him to know that, they even have a page on Facebook, called 'Stop Ocwen Now!!!", that is how many lives they have affected with their corrupt, greedy tactics.

My husband lost his coal preparation plant job, and on October 12, 2009, I lost my job at a local hospital. I then called and asked for a loan modification. this was last of November 2009, but I still made my mortgage payment with the prior service provider. Since then, we have faxed them info twice, and sent in the mail once. They keep saying we don't have anything. I have since been making my monthly payments, only for Ocwen to post then to March 2009, or wherever they want to. I have sent my bank statements to them two different times via certified mail with signature acceptance form in 1/2007, to 3/2009, but they still will not post these payments. On my statements, they are never correct. I have two statements from February. The first statement date is 2/8/10. It states that the past due balance is $4,274.71.

February 10, 2010 statement states past due balance is $2,512.39. Now, March 2010 past due balance is $6,025.35. I have talked to one live person about this, and they said they have never received bank statements from me, but I have 3 signatures accepting this certified mail that I have sent, containing these bank statements. The one person I did finally get to talk to, who said they never received the bank statements, also stated to me that in order to do the loan modification, I would have to pay a down payment of $600.00, then pay 3 months of payments.

My regular payments are $712.46. If I could do this, why would I need to modify? He states that is to see if I will be accepted or not. I told him I could not afford to modify my loan. From Jan. 2009 to Jan.2010, I have paid $9,200.00. If you do the math in a typical year, I should have paid $8,549.52, yet I am $6,000. behind. Something is not right. Every statement that comes has $600 to $700 worth of bogus fees, such as $69.38 in certified mail fees. Never have I received anything certified from them. I have $451.74 in property evaluation fees. I also have $267.22 in assessed fees not stating what for.

After the mortgage was entered into the system and I began making automated regular payments, PHH contacted United Teletech, who then contacted me to say that "a mistake was made", explaining only that PHH required them to retain escrow funds for both, and they would now have to change the terms of the agreement. When I pointed out that I had already contracted for homeowner's insurance, they seemed to back off, but insisted I make arrangements to pay for escrow of my property taxes. As far as I know, there is no legal requirement for the property tax escrow; it amounts only to an after-the-fact demand from PHH, which seems suspicious and arbitrary.

I pointed out that the legality and justifiability of changing the terms of a signed mortgage contract was questionable; and that the survivability of other terms of the agreement (eg, rate, which has now gone up) was not clear, so attempting to change part of the agreement could jeopardize my mortgage interest payments as well. The other point is that, had they required this in the original contract, this amount was to have been paid in 2009, and it is now 2010, so it would not be applied to the 2009 tax year. I'm not sure if it makes financial sense to seek private legal counsel on this, but I'm wondering if you know of any public legal authority who could help advise me on this. Thanks in advance for any suggestions you can share. Threatened requirement of payment for escrow

Then in August 2009 I started getting unsigned letters from Ocwen stating they were missing some of my info and to send it again---as the letters were unsigned, I did not, as they had all the info in one package. Finally, about October, I sent a complaint via emails to my two US Senators, my US Rep, and President Obama on how Ocwen was dragging this out, and were very unprofessional to send unsigned letters asking me for private info! Then, about November 1st, I got a phone call from some woman in India with a thick accent (yep folks Ocwen sends all your private info to India!) telling me that my loan mod was complete, that it was OK and all she needed was for me to fill out the financials page and send it back to her, and then my loan mod would be filed within 48 to 72 hours time.

I asked her to send me the financials page via snail mail as my computer at the time would not open PDF files and being on dial-up internet, their website doesn't load very well for me, she agreed to do that. Of course I was over the moon happy as I need major surgery and KNEW in advance I was going to be in some serious trouble paying bills as the first $4000 of my surgery is on me, and I am already on disability income. Well, I waited and waited and waited, NO financials page came, then at the end of November, I got an email with an attachment stating I did not qualify for the Obama loan mod because I was in no danger of being foreclosed on! I had missed one payment by then.

So I was mad and then sent a complaint to their ombudsman and did get a reply that I should apply again, this time for a regular loan modification. This was late December I believe, maybe January. I had missed 2 payments by then anyway as I had had a water pipe freeze and with the added high water bill and hiring someone to fix the pipe, I was down $300 and I don't have that money to spare in my budget, my budget is all spoken for, every dime. Then in February 2010 (remember, I started this in May 2009) I got an email stating they would send me more paperwork to fill out and submit for my 'regular loan mod", I got it, and filled it out.

I went to an internet cafe to submit my scanned copies via email as I can't afford faxing either and did not want to wait for snail mail as I was in dire straits by missing 2 payments by now. I did ask for them to send me an email back as a reply they had received my info as it is very personal what you have to send, of course, that was too much to ask, I got no reply! Then in March, I got a letter back from them telling me I did not qualify for an Obama loan mod and to re-apply for a regular loan mod! By this time I was mad and went off on the ombudsman telling them I had applied for a regular loan mod and my financials had not changed in 2 weeks time etc.

So, about a week later I got an email back telling me they had modified my loan and were sending it out for me to agree to. I did get it in the mail on March 16th, 2010 and there was basically no modification! They upped my payment and gave me all sorts of things to agree to like making my "heirs" responsible for my loan, or that is how I read the modification. And, there was a clause in there that this also did not cover any possible "expenses" incurred by this agreement, not yet charged to my account, that would accrue afterwards---no breakdown of possible expenses provided.

So basically, they could charge me $10,000 for this agreement that raised my house payment as a "loan mod"! Totally unacceptable! Now, if you make a Google search for “President of Ocwen”, you will find a report he made on February 25, 2010 to a house committee on the ongoing foreclosure crisis, chaired by Rep Kucinich. In this report he tells this committee how Ocwen bends over backwards to work with their people in trouble, doing loan mods right and left, and also following the Obama guidelines of getting their mortgage, including tax and insurance, costs at or below 31% of the borrowers income!

That is a lie---mine is now 41% of my income and I have a small second on the house too! So, currently 50% of my income goes to this house. I called them and got some gal in India who stated flat out they believed I could afford to pay more of my income to them, I had better budget, apparently they live without electricity over there so they don't care if you get yours turned off here to pay the mortgage payment! And, if I did have my surgery, to re-apply for a loan mod at that time! She could have cared less and I think that is why they fired all the USA people and sent the work to India to be processed, they don't care and can't identify.

Oh yes, the same day in the mail I got another "Obama Loan Mod" rejection from them telling me I did not qualify for an Obama Loan Mod! I was told by my local bank, who I can't get a loan from due to bad credit from my being on disability at this time, that Ocwen was just jerking me around, and they have such a bad rep in the banking community. He can't understand why they have not been shut down by now!

I struggled through the summer months, always one month behind on my mortgage, but still making the payments (as well as paying rent for a 1 bedroom hole-in-the-wall to live in). I got a new job paying 1/3 more and in October 2009, again, wrote to PHH telling them my circumstances had changed and asking for assistance; during this period I was sinking lower and lower in credit card debt trying to keep up. Finally, in January 2010, I was forced to file bankruptcy, still never hearing from PHH on my October request. I submitted loan reaffirmation to PHH in an attempt to keep my home, my sole and driving goal in everything I had done for 2 years.

In February on the same day, my attorney received the reaffirmation notification from their attorney and I received a call and email from Jade ** that they were again looking at the Loss Mitigation. Their attorney informed my attorney that regardless of the reaffirmation, I would have to deal with Loss Mitigation. I submitted (through my attorney) another ream of paperwork to try to get PHH to lower my payments. My attorney submitted all the paperwork via email, and within 30 minutes, received a reply that I still did not qualify for assistance even though I now make enough money and have eliminated all debt except my current living expenses (barest minimum) and my loan payment.

Didn't hear anything back. I called back a couple of day later and spoke with someone in lost mitigation which they told me to call their lawyers because my home is in foreclosure. I made numerous call only to get an answering machine. I have now hired a loan modification lawyers to help me get through to them. Hopefully it work. I want to keep my home.

Due to this fact, the lender has placed our home in foreclosure. We tried explaining this to our mortgage lender but they are just unwilling to assist us or believe us that we have worked out a payment plan with the government in regards to the back taxes that we owe and that we want to keep our home. I know that Ocwen and its investors are involved in the government programs that help people like me and my family save our home. Please help me save our home. This is where my wife and I want to grow old together, watch our children grow up and God willing, see our grandchildren grow up. Please help us to make that dream become reality. We would like to have an affordable payment that my wife and I are able to handle.

PHH Mortgage Service in September 2009 decided to increase my monthly payment from $1,808.83 to $2,082.11 by increasing my escrow payment and adding unnecessary fees to my account. When I tried to contact them, I was transferred from one agent to the other and each time I get another agent, I have to start my story over again. No one seems to know what is going on.

In February 2010, I got a letter from them demanding late payment of $8400.00. After numerous calls by me, I was finally told they are missing payments form November to January. I call again and sent my proof of payment. I called after faxing the information, I was told it takes 24 hours to update. I called after 24hours, I was told it takes 3-6 business days to update their system. 5 days later, I called and I was transferred to a guy who started discovering how my payments have been misplaced. I never missed a payment since I bought the house and move here in McKinney in March 2007. I wrote to PHH on December 17th 2008, certified letter with return receipt, but they never answered.

I am afraid, because it looks like I am dealing with very uncooperative people.

I have contacted PHH loss mitigation department monthly, weekly and sometimes more than once a week. I submitted updated financial information in August, November and February 2010. When I contacted them today to find out if they had all the documentation needed to decide on my loan, they hadn't received any of my February documentation. I asked them how that could be? I had confirmed faxes for February 5th and 23rd. Finally, she told me that the fax number wasn't any good? Apparently, they have gotten a new fax number since the January fax. In addition, I didn't receive notification of the properties' sale date of February 24, 2010. I discovered the sale when I found a letter from PHH in the mailbox of the empty rental home. Despite the fact that all other correspondence, including mortgage bills, come to my home address.

Due to the length of the process, I was forced to end the rental agreement on the property. I didn't know if I would be able to keep the property through loan modification. That resulted in a $1200.00/month income reduction for me. The lease agreement needed to be renewed by December 31, 2010. PHH was aware of the loss of income that I would incur if the loan modification could not be completed by December. They were notified in the original loan package, a full 9 months before the lease agreement was due for renewal! Everytime I call, I have waited no less than 25 minutes, sometimes 55 minutes. I have saved all my phone records and documented all of my faxes. Several times I was told that Helena ** would contact me. She called one time this month (February) and the extension she gave me didn't work. They didn't sell the property on the 24th because I was approved on February 22nd for a 3-week postponement while they decide if they are going to work with me or not. A judge in New York found them to be negligent and awarded the homeowner the property without a debt.

I would appreciate it if the attorney general, department of treasury or IRS would investigate/audit this lender. At this time, I do not want the house. I am currently several months behind on the PHH mortgage, the property is vacant and I am unable to move forward financially or otherwise. I would like to offer the Deed in Lieu of Foreclosure and walk away. If you can help, I would appreciate it. I know that they have been over 112 reports to the BBB about PHH which means I am not alone. I am tired of working as a teacher, while attending college, and working side jobs in order to pay more taxes and get farther behind! Uncle already!

On August 18th, I received my first mortgage statement that said my payment would be due in full on September 1st, 2009 in the sum of $8, 000 judging from the outstanding payments that I didn't make while I was working with Taylor, Bean, and Whitaker. Immediately, I called Ocwen to inform them of my situation. They told me that I needed to resubmit my application for hardship, only I had to fill out their paper work instead. They told me to submit all paper work in full and my application would be considered. They said if for some reason that I wasn't approved for the application, I would be contacted via email or best contact method. Well, surprise, surprise 2 months go by and no contact has been made. I get foreclosure papers in the mail from Ocwen telling me my home is now being moved to foreclosure status. I called back in to Ocwen and they told me my application was denied 45 days ago because they would not consider unemployment a source of income. Now it's 30 days before the sell of my property and they tell me the only way I can save it is to get a job and submit the offer letter. Just 5 days before the sell date, I land a full-time job working for a cell phone provider. They pushed the sale date back another 30 days and told me that I have to submit at least two paycheck stubs.

On December 23rd, 2009, they send a notice that they are waiting for 2 more documents with my signature they told me that I must have the documents signed and turned in along with its original email no later than January 22nd, 2010. I turned the paper work into them by January 14th. On January 18th, 2010, I got a new mortgage statement and I see where they have reset my loans and started me on a trial payment plan. On Tuesday, February 2nd, 2010, Ocwen auctioned off my home and it was sold. Hello! How can they foreclose when I have already made the first payment? Now I have notices coming to the house saying I must vacate my home and Ocwen has my money, won't answer the phone, and won't answer my emails. Meanwhile, I'm trying the stop the real estate agents from forcing their way into my home. Why is Ocwen doing this to their customers? I can assure you one thing is true, they have outsourced business to India and you get the same voicemail every time you call and never a live person. Ocwen must be stopped.

I called the customer service on January 13 and I was informed that the check was mailed to us and we should have received it by then. Since we didn't receive the check, the agent placed a note to research department about the check. Next, when I called them up on January 20, the agent told me that they have placed a stop pay on the lost check and they will issue a new check. She also mentioned that they will send us the check by FedEx overnight and that we should receive it by January 22. Well, we didn't get the check. So I called them up on Monday (January 25) and I was told that they hadn't mailed the check and that they cannot say when they would mail us the check.

After repeatedly calling them, I was finally told on Tuesday (January 26) that the check would be mailed to us by FedEx overnight on Wednesday and that we should have it by Thursday. When I called up on Thursday (January 28) to get the tracking number of the FedEx package, I was told that they hadn't mailed the check yet and again, that they cannot say when they would send us the check.

Our property taxes are due by January 31 and we still don't have the check for property tax. To add to the mix, when we look at our escrow account, the amount of $5,992.41. There does not seem to be any sense of responsibility or understanding that our property taxes are due by a certain date and that when we place the money in escrow, it is done with the trust that the money would be disbursed in a timely manner.

By that time they already had their lawyers working a way to foreclosure my property, which has a sheriff sale for January 20 2010. I understand the actual price of the property is less than 52% what I don’t understand is how they prefer foreclose the property instead of negotiating with us when they know they are going to lose big money too.

I have 50 emails from Dan ** who assured us that the loan modification was being reviewed, and he was just waiting for the program plan we would be placed in. PHH is non-responsive, and when you do get through, the only statement they give is that they have thousands of modifications that they are working on and we are one of them! Where is the bail out for homeowners who are paying their mortgage and just needed a little help? Where's Obama's policy now?

We still are not delinquent but they will not accept any payments. We sent Nov. mortgage payment in the middle of November and the other amount early Dec. to keep us current on our mortgage schedule. They are holding the check for the 2nd half payment of our November mortgage and refuse to process it so that they can initiate foreclosure proceedings. Now we do not know if or when they might decide to process. They have denied us any help under the president's mortgage assistance program because we have too high an asset to debt ratio. I would think that this should help, the fact that we have no other significant debt, but they are using that against us.

Is there anything we can do to help us while we have a chance to get back on our feet? I am re-applying for Disability and should qualify and be able to make regular scheduled payments in Jan. or Feb.

11/19/09 - I received a call from Kathleen (customer service). She stated that my permanent HAMP loan approval was denied. 11/20/09 - I called Kathleen back to clarify how I was denied when I had already received an approval and had sent it back. She stated she would have someone call me to discuss.

11/20/09 - Krystal returned my call. She said I was denied but she would see what she could do. She said we needed to change some of my financial information. She stated we needed to get cable, cell phone and Internet off my expenses because those were not necessities. She then said I could do an in-house mod or the Home Saver advantage program and gave me figures for both those programs. I told her financially, I couldn't afford either but wanted the HAMP program that was originally offered to me. She said she would recommend the Home Save Advantage program and send me information. Again, I explained I couldn't afford it and I wasn't interested.

11/23/09 - I received a call from Cynthia congratulating me on being approved for the HAMP program and was asked if I planned to accept the offer. I explained to her I had accepted the offer and the situation to date. She stated I was on the list for HAMP approvals. After looking in the system she said she could see the approval and the denial. She spoke with her supervisor and stated they would put me on the "call back" list for the department that requested her to call me.

11/23/09 - I called and spoke with Aqui. She stated that she could see in the system the final HAMP loan modification that was sent to me. She stated it was a perfect document. She stated she also could see the denial that was after the approval had been sent. She mentioned dollar amounts that were considered for the denial and the amounts and I let her know they were incorrect. She had Danny from the help desk take a look at my file. Because they were unable to resolve the issue, Aqui stated they would escalate my file and a supervisor would get back to me.

11/24/09 - I called and spoke to a gentleman in loss mitigation. He stated that Krystal’s supervisor, Jason, was having Krystal review my file and would call me back. He stated that my file had been escalated. 11/25/09 - I called and spoke with Oni. She stated that she could see the perm HAMP loan modification document in the file and that a supervisor would call me back.

11/30/09 - I called and spoke with Ann. She stated that Krystal was no longer with the company and that I failed due to NPV. Ann transferred me to Danny at the help desk. Ann said she could see the tracking number that they sent out the final HAMP modification and the tracking # that it was received back in their office. She told me a supervisor would call me back.

12/1/09 - I called and spoke with Oni again. She stated per Danny's note, they didn't see my signed perm HAMP loan modification in their system. She then had me speak with Scott, the supervisor. He stated they had no final answer as to my situation. He stated he would escalate my case and they did have my signed permanent HAMP loan modification documents but that they had not been scanned into the system.

12/2/09 - I sent an email to Terry in the executive offices. 12/3/09 - (approx 7:40am PST) I called and spoke with Tony. He stated Scott would return my call. 12/3/09 - (approx 2:30pm PST) I called and reached Aqui. She stated Scott had left for the day. I left a message for Shameik.

Since, I'm unsure if PHH will honor their offer, I have no idea of the status of my mortgage. I'm in danger of losing my home. I'm under extreme stress not being able to find anyone who can help me resolve the issue.

After several weeks, we agreed to cancel that check and send another. A few days later, Ocwen tried to cash the first check and it was 'returned by the bank.' We had placed a stop payment on the first check as agreed. Ocwen then claimed that we were late on payment. Another week passed, and after spending several hours on the phone, I thought we had the problem resolved. Ocwen told us a new amount to pay (in addition to the second check) and we would be current. We sent that amount. Several days later, a phone call confirmed that they received the check and that we were current. In the meantime, we applied for a loan modification with Ocwen. Astoundingly, they completed looking at our package in less than three weeks. Loan modification rejected. When I asked why, they told me I made too much money and the 'percentages' were not right.

It turns out they didn't use the income information in the financial package. Instead, they used an amount given to them 'verbally.' When asked where they got that verbal figure, they said they didn't have a name. In the same breath, they told me they had an 'in-house' loan modification program that I would qualify for. They ran a few numbers over the phone. It would work. The monthly payment was larger and the interest rate was higher than that of the Obama loan modification. I would be transferred to another department and then I should call back in three days. When I called back, I was informed that I was 2 months late in mortgage payments. While this was going on, I received a letter from my homeowner's insurance company. My policy had been cancelled due to non-payment. (My taxes and insurance have always been impounded.)

I called Ocwen. They told me that there was no record that my insurance was impounded. While on the phone, I found proof and asked where to send it. I was placed on hold, and when they came back, they said they had found it. They said they would take care of it. Today, I got a letter from Ocwen. It says that after reviewing our file, they found that our insurance policy on our home was cancelled. If we did not re-instate an insurance policy, they would use a 'lender-placed insurance coverage' at our expense. That policy they said would cost much more and have less coverage. While this was going on, I got a letter from the State Tax Department. It said our taxes were delinquent due to nonpayment. I called Ocwen and was passed to the 'tax' department. They said they would take care of it.

I do not know what to do. They hold my mortgage, and it appears they can do whatever they want. I am now waiting for the second shoe to drop - a lien from the tax department. Ocwen also told me not to send in this month's mortgage payment. Their loan modification would entail new figures. I have been very worried about losing our home because we could never get an answer from TB&W on the loan modification. All of that time has passed. Now it appears that Ocwen has added a new wrinkle. I really don't know what to do or whom to talk to. Thanks for reading this.

Other payment systems (including those using Western Union) put the full amount due and require the user to reduce the payment amount rather than opening up the borrower to potential late payments by using an amount that doesn't include whatever Ocwen might claim is due. We only noticed this on last month's payment during a disputed alleged escrow amount, so we're not sure yet what impact it will have. In making the most recent payment, we manually entered the amount shown on the statement rather than what their system entered.

I never did hear back from Ocwen by phone or mail. I tried contacting them on several occasions and was unable to reach a live rep. However, a recording told me for two weeks straight that my next payment would not be due until 10/1/09. I called in on 8/28/09 and was finally able to speak to a live rep and was told that my modification was approved (however, I was never notified) and that all I needed to do was make a payment of $7,126.19 as a reinstatement fee, then begin making trial payments for 3 months in an amount that is $852 higher than my normal mortgage payment. This does not sound like any modification that I have ever heard of where your payment gets significantly higher instead of lower? Also, I was given conflicting and misleading information on several occasions and they are offering no remedy for this error on their part.

A year ago, I had renewed hope when the state of Connecticut instituted the Connecticut Families Program to help families renegotiate their loans. I was denied participation in this program on the basis of my federal tax filing due to issues involved with my status as a self-employed person. In October 2008, I filed an application to renegotiate my loan through Acorn Housing. In February I was told that my lender, Ocwen Loan Servicing, LLC, refused my application stating that I made too much money to qualify for renegotiation. Within 2 weeks, I applied again this time through Neighborhood Housing in Waterbury, CT. This time, I was told that I made too little money.

Next, the broker for my mortgage got me in touch with someone at Ocwen. I was sent a package of application materials for loan modification for the President's plan. I immediately filled in the required documents and submitted them by fax and express mail on May 15, 2009. I was told at the time, by Valerie at Ocwen, that I would have a response within 20 days. After the 20 days, I began calling Valerie. I only was able to reach the voice mail for Mr. Robert ** at Ocwen. I left messages nearly daily. After approximately 1 month, I was able to reach Mr. ** on the telephone. He told me that I needed to send in additional verification to qualify for the Obama plan even though these documents were not on the list originally sent me. I submitted these. Mr. ** told me I could call him back any time and he would be happy to answer any questions.

After submitting these documents, I again began calling Mr. ** to follow up on my application. After another 2 weeks of calling every day, I finally got Mr. ** on the phone. He did spend an hour on the phone with me, asking me questions about my application which made it clear that no one had even looked at my application in these past 2 months. At one point, he told me that I clearly made too much money to qualify, then he told me I did not make enough. At other times, he told me that he was going to help me, that my loan is a terrible one, that I should not have been given this loan. He also promised that I would be able to get him on the phone, that he had been traveling but that now he would be in his office. He also told me that he was going to make some inquiries and would get back to me by the end of the day. That was July 9, 2009.

I have yet to hear back from Mr. ** and I have not been able to get him on the phone. I have received a new form from Ocwen asking for more information, all of which is a repeat of the information that Mr. ** received in our phone conversation one week ago. Mr. ** is the only human being, other than the bevy of service representatives in India, who have no authority to help in loan modification. Ocwen does issue a dedicated phone number for consumers wishing to modify their loans which is answered robotically and essentially states that there is no reason to speak with anyone at Ocwen and that consumers requesting modification will just have to wait. There is no opportunity through that call of being transferred to a human.

It is quite clear that Ocwen has no intention of modifying my loan. Their intent is to continue to play cat and mouse with me, teasing me into believing that I can escape their claws and while Ocwen continues to sink their claws in, until I am dead. I am seeking a modification of my current mortgage. I want a 30-year fixed rate with the current market rate of approximately 5%, in keeping with the current Obama guidelines. I would also like my mortgage company to forgive the 2nd mortgage they hold.

I had to contact the CEO, CFO and Board of Directors of the PHH Mortgage Co. for them to respond to me. On 5/18/09, I received a voicemail from PHH telling me that they handed my request over to my second mortgage, Water & Power Community Credit Union. I thought I would be alright. On 5/21/09, I received a foreclosure letter from Aztec Co., phone: 800-731-0850 or 602-222-5711. I have contacted so many different people. Is there anything, Oprah, that could be done? I am a widow, trying diligently to keep my humble home. I have managed to keep my home up to date on payments until Nov. '09 when I got laid off. I believe I have done everything correct in requesting a loan modification with PHH Mortgage in New Jersey. Please review my case. This may be happening to many other people just like me. Please help me. I beg of you. Thank you, Oprah, so very, very much. Take care.

I was in a car wreck. The lady hit me from behind. Well, I was taken off from work about close to three weeks in Feb. 2009. I sent a check for $1,300 and I also called this company. I called Lots Solution Claims department, 1 866-960-0772, and I had to send in information twice. I thought Ocwen stated that I had 2 million accident medical expense. I pay on this every month of $22.90, no help. From then, I called and checked on the claim. No information is given policy. There is a lot of fraud in this matter. Also I called CRM potential loan modification which is called Freedom Bank 1,795 dollar to even help me with this case. I am paying but still not getting anywhere. My money is just taken from me. I will not pay any more because it's not right. So I need the matter resolved.

I went to their meeting and everything looked great. I then got them all the required paperwork they needed ASAP. For over 3 months, they did nothing. I would call the woman working on it, Angela **, and she wouldn't answer my calls and rarely returned them. When she did, all she would say was they needed my paycheck stubs and bank statements again because they were outdated. For over 4 months, every 4 to 5 weeks, I would get the same call from her asking for the same things. I signed a paper saying she would negotiate a new loan for me, but she never contacted Ocwen at all to do that.

As my sale date was closing in, I finally found her boss’ number, Linda **, and complained to her telling her how it had been close to 3 months and still I wasn't any closer to having resolution than when I walked in. I told Ms. ** had done nothing, and Ms. ** started yelling at me telling me that I should have done all these things that I was told they would do because they were professionals. I then was forced to negotiate my own loan re-modification. Then when it came to give me the money, they talked about the state was providing the director. Ms. ** started to give me a lot of double talk. She said she didn't know if they had money left. One day she even said that because I got hurt at work and I was temporarily on worker's comp, I wouldn't qualify.

I then was told they processed my application for the money for my down payment, but it was a week before I needed it. If it wasn't done by the 18th, my house would be sold on the 19th of December. I called Ms. ** constantly for days explaining to her that this was very important, but all she seemed to get was annoyed telling me I call too much and they have more customers than me. By the end of it, I had to use the last money I had saved to use as the down payment, and the Urban League never did tell me if I was ever accepted for help the state was providing.

For 3 1/2 months, I trusted the Urban League to help me and they never did anything. I believe they are taking the majority of the money that is supposed to go to distressed homeowners and using it to fund their programs and pay their employees. Then after all that Ocwen claimed, we had an agreement for $5,002. We originally agreed to $3,000 but since Ms. ** promised me at least $5,000, I told them $5,000 even though I couldn't afford it. Well, Ocwen tried to cancel our deal because my bank only wired them $5,000 and not the required amount that was $5,002.00. They tried to sell my house over $2. I then made a deal with them they would accept the first mortgage modification but not the 2nd until they received their $2. They then began to hound me early in the morning the next day over the $2 even though I had already wired them $2.

The stress from working with these two companies almost drove me to suicide. I didn't want to lose my home. Plus, I really believe that Ocwen makes a living in trying to take as much money as they can when they negotiate so you’re broke at the end of the month when you pay your bills. The minute I told Ocwen I had more bills, they agreed to lower the interest rates and amounts. I figured something was wrong when they kept telling me “based on how much you make and pay in bills you can afford this”. Who do I talk in the State Dept. for wash so the Urban League can no longer take money from the state and not give any help? This should be against the law.

They do not answer the phone, they applied all of my payments to a suspense fund instead, greatly raised my loan balance, reported me to the credit bureaus (causing my creditors to raise over $50K in outstanding loans to astronomical interest rates), they never answer the phone and indicated that they lost my application many times. i am in a crisis over this!!!!!! PLEASE HELP ME!!!! I went to Orlando in person to discuss my problem and they refused to see me. I get outsourced to India or no answe every time I call!!!

Derogatory credit, longstanding emotional stress, erroneous late fee's/penalties and A HUGE MESS!!! PLEASE, PLEASE HELP!!!

Countless hours spent clearing this up and I have been making my payments prior to the due date. Now several of them have been delayed because I refused to pay for the insurance premiums. With all the problems that people are having making their mortgage now a days, practices like this compound the problem and just are not acceptable.

The loan is currently in foreclosure and the reinstatement fee of ~ $14,500 for the period expiring on May 23, 2008 was needed. I sent in a check for $168,000 on April 29, 2008 as a payoff,which included $12k for advance escrow (it was $6k in Sept. '07 based on a payoff notice), foreclosure fees, interests, and other miscellaneous fee (a breakdown that OCWEN provided for inrestatement). Yesterday, I was informed that OCWEN returned the check after holding it for 10 days and the new payoff amount is $176,000 is due.

As of today, OCWEN has not returned the check or cashed the check. Two representative gave conflicting information on when the check was sent (ie.May 7 and May 9) and they have not provided a tracking number for the carrier they used. In addition, a new payoff quote was submitted on May 8, 2008 with the expiration of May 30, 2008. Please help!!! OCWEN is increasing the loan fee and costs so that I can not payoff the loan.

The house is being foreclosed on and if I pay a balance below the payoff amount the company charges 5% prepayment penalty. Then the next pot of money goes to interest, escrow and then principal. After calculating all that only $40k-$50k goes to principal and I still will have an outstanding mortgage of $100K. And the montly payment will still be $2100 a month, going to interest. Please help!!!

Since then, I have received calls on an almost daily basis demanding payments that aren't late. I spoke with someone on Friday (4/25) about the same issue and got the impression it was resolved. I still received calls both Saturday and Sunday. This little game has been going on since the end of February. I've since received a letter stating my payment is overdue. The letter is dated before the last time I actually spoke with someone, so it may have been resolved at their end, but my experience has been that not everyone in their company has the same records. Aside from the fact that I can barely understand the person on the other end of the line, it's rare I actually get a person. Generally (90-95%), when I pick up the phone, it's disconnected. Thanks to Call ID, I know who is calling and disconnecting when I pick up. I've tried calling them as well, with no luck. Contact through the website is equally difficult.

They continue to call to collect a payment that isn't late, sometimes before 8:00 AM on the weekends. I receive calls after speaking to someone on the debt for at least two days in the past three months. They are supposed to contact me via mail only, another agreement they're not honoring. I have already had a company wrongfully report a negative credit rating for a payment that wasn't late(Capital One). That cost me a better mortgage rate, as my score dropped 50 points on a couple of the reports. I don't want to have to go through that again, finding out the hard way that my credit has been destroyed.

I have made several attempts to contact Ocwen, I have tried answering the phone when they call, but either I am stuck with a ringing phone for 2 minutes, or the incoming call disconnects when I pick up. Contacting through email gets no response of any use, assuming I can get through in the first place. I have no realistic way to contact them. If they tag my credit with a mortgage late, I will have a very difficult time refinancing once I have established employment.