Onity Mortgage Reviews

Since then, almost every month, we have to battle with the Ocwen reps to prevent our 2-month security buffer from being eradicated. They think they're so slick -- they'll send statements two months in a row with the same due date listed (i.e. : statement in June says next payment due Sept 1st & then statement in July says same due date despite payment being made). We strongly advise to insist on having correct paperwork and statements from them -- don't just go along with incorrect documents; they'll try to use it against you later, saying that your doing so 'proves' you were in agreement with whatever stunt they've pulled on you.

This year, our second mortgage went from Litton to Ocwen as well. We have the same 2-month security buffer payments on the second mortgage also, and of course Ocwen routinely attempts to eradicate those. I thought it was a hassle before, having to fight with Ocwen reps over our payments for the first mortgage once every month -- now it's twice every month because of the second mortgage. Reading about all the things Ocwen has done to other people makes us feel fortunate.

All you folks, once you get back to being stabilized in home ownership again some day, if you can come up with the extra cash (maybe via cash-back option on a refinance, which is how we did it way back in 2004) set yourself up a security buffer. It will make it at least a little bit harder for unscrupulous mortgage companies to come stomp on you and steal from you. We are upside-down on our mortgage, so we can't refinance. We would in a heartbeat just to get away from Ocwen. There is news about a new program being proposed that will let even people upside-down on their mortgages refinance (it was in the news on 1 Feb 12).

Our first thought was, “yay!”. We'll have to try that if the proposal is approved -- now our second thought is maybe we'd better not try it, since we're stuck with Ocwen and they're so likely to use it as an opportunity to take our buffer away, either as a required part of the bargain or via underhandedness. We don't want to end up in a worse position. Does anyone know of a truly ethical, highly regarded mortgage company out there? Especially with operations based in the US?

We did keep paying the original loan amount and never missed any payment. Then they returned 2 months of checks unpaid and said they were foreclosing. This happened after Ocwen took over Litton. I paid them almost $17,000.00 to stop this, and I told them I was being robbed. I need help. This is sick. 30 years with many mortgages. This has never happened. I want to sue these **.

“Dear Chief Mortgage Officer, I wish to withdraw my loan application (reference loan # XXXXXXXX) effective immediately. After long and thoughtful consideration, I have determined that based upon the investigation I have performed concerning my potential future business relationship with PHH Mortgage, I believe that PHH Mortgage is not in my best interest to utilize your lending services.

“Attempts to communicate with your organization, and lack of communication with your horrendous Customer Service, repeated lost/missing documentation, etc., concerning my new application has instilled in my mind that my business, nor myself is not important to your company as you have made clearly evident based upon my limited experience thus far. As a retired Federal Agent and Forensic Investigator based upon the information at hand, I have decided to chose a top tier mortgage lender who does not engage in the predatory and unlawful practices in which your agency has the documented history of performing against its customers.

“My investigation consisted of exhaustively reviewing your Better Business Bureau (BBB) rating, open records requests on your complaints and pending litigation. I have also reviewed numerous Internet reviews and attempts to seek personal recommendations, which I was not able to secure a single positive recommendation on your business.

"Additionally, my research has indicated multitudes of pending litigation in which PHH is named as a Defendant or being investigated by agencies such as: with Federal Trade Commission (FTC), U.S. Securities and Exchange Commission (SEC) and the Federal Bureau of Investigation (FBI) Mortgage Fraud Division, United States Attorneys Office and other complaints which are actively pending against your organization based upon open records research I have conducted.

“Until such a time in PHH Mortgage drastically improves upon its customer service and corporate image and compliance with State and Federal laws in the lending business, I will not consider or recommend you as a lender.”

I continue to get the run around. No one is able to help me. They just keep transferring me between the tax department and customer service. I am absolutely irate. Sylvia M. is the worst supervisor I have ever had to deal with in my life. She guaranteed me that my check would be here by today. But she couldn't even tell me that herself because she was too busy to talk to me.

She is never in the office, she continually is unavailable. I have asked multiple to times to speak to someone higher than the supervisor, but no one will let that happen. I keep being told to leave a message, that they will call me back, but I have not once received a single phone call back. Not once since October. Never in my life have I dealt with such ignorance and unprofessionalism. I am truly dumbfounded. Will I ever receive my check?

We made all of the trial payments on time and never heard anymore from the company, so the calls began. Every time I called, it was a different person and they all had a different story. Some would say they had no knowledge that we had even applied for a modification program and that the account was seriously behind. Others would say we were approved, but that the payments were late. Another would say everything was caught up and that we should see the formal modification letter soon.

After 15 calls and speaking with four different "relationship managers," we were told on January 3, 2012 that the formal letter would be sent right away and that everything was paid up to March 2012. They set up an appointment for relationship manager number 5 to call us back on the 24th to confirm the letter was received and to answer any outstanding questions that we had.

So, on the 24th, still not a letter from Ocwen. And when the 6th person to be named our "relationship manager" called ,he told us the application had been denied and we had to start all over again! I flipped my lid and asked how could that be when we were approved, paid all the trial payments and jumped through all of their hoops. He said it's because the modification letter had never been signed and returned! What? They never sent it to us, so how could we sign it and return it?

He basically said that our agreement had expired and that we had to start all over again, because the info we had initially sent in was outdated. Excuse me? So, he was saying to me that because they could not get their crap together at Ocwen and they did not send the needed letter to us even after 15 requests that it was our fault and we had to start all over again.

My mother is 82 years old, and this process has gotten her down sick in bed. The worst part is I cannot get any help from anyone in this process. I called a non-profit, and they basically said that we started the process with Ocwen and we had to finish it with them. Ocwen is the worst excuse for a company I have ever seen. There is no organization, professionalism, or accountability; and their "customers" (say that word very lightly, because I feel like we are their prisoners) are left out in the cold, literally!

I used to think incompetent accounting and record keeping was exclusive to Litton, but I'm beginning to realize it's an industry-wide problem enabled by lax laws and oversight of an industry that could single-handedly bring the U.S. economy to its knees. My 6-year relationship with Litton was horrible; they flat ** me, to put it bluntly. Because of them I now have a mortgage for nearly $50,000 more than the most recent PVA assessment. Trying to contact them—or rather trying to speak with anyone in a position of authority—was like looking for that needle in a haystack.

It has been my experience that when a company's representative is tough to contact, or there is no actual person's name in the signature line of correspondence, they are usually operating in an unethical, if not downright criminal, manner. What many of you are complaining about with regards to Ocwen are the exact same issues I fought Litton over, and it scares me to know that Ocwen is apparently cut from the same cloth!

If Ocwen has stolen your money, file a police report. At least then there will be a paper trail on this ponzi scheme of a company. There is no way that they can be really profitable if they foreclose on people who are willing to pay and maintain the property. Investors buy these foreclosures for very cheap. And if an investor is going to buy my property in a foreclosure, he/she will have to put a lot of money into it. I don't care how fancy their financial papers are, they can't be making real money as a company by foreclosing on people.

They do not talk to you nor do they post your payments in a timely manner. Now my account is not up to date, and taxes and insurance are due. I want to file a complaint with the Federal Trade Commission and anyone else who is responsible for overseeing the mortgage industry. This company is purposely robbing hard working citizens who are working to keep a roof over their family’s head and maintain a decent standard of living.

The issue we are having is due to an incorrect Social Security, OCWEN representatives will not speak to my wife regarding our account number. They will only speak with me. Ms. S. said she was unable to do anything about this and forwarded me to customer relations (Jarvis **). After reading the numerous complaints we are reticent to give any information over the phone to any OCWEN representative because we are uncertain just where it may end up. Our other complaint is after reading previous complainants we are afraid the worst has yet to happen, i.e., misplaced documents, payments and communication, etc.. How can we avoid this?

Now Jan 2012, they want another $1,800.00 from fees and escrow. They did not update the last payment of $654.09 on December 2011 out of that. I owe the regular payment of $675.27 for January, but can’t get these people to honor the legal modification papers I have. What can I do to get them to honor it? They are threatening foreclosure since then. They had the loan for three months now. I tried phone calls and letters, not even close to this resolved. My regular payments are increased by $20 per month to offset the negative balance in escrow, but they never honored that either. They want me to modification papers again. This doesn’t make sense. I need help.

Immediately, they told me my escrow was in a deficit. They raised my monthly payment by $50. They then made me fill out a new modification packet saying they wouldn't honor the modification packet filed with CENLAR. Three months later, they denied my modification because we weren't delinquent according to Freddie Mac imminent default test. I started temporary work and continued to make my payment. Again, in October, I received info that my escrow had a deficit and they raised my payment another $50. Meanwhile, halfway through 2011, they sent me money back telling me I overpaid my escrow?

I now have a full-time, permanent work and come October, they they raised my fixed rate mortgage payment for another $120 per month based on an escrow assessment. They suggested a modification. I said, "Really? So you can deny me under the Freddie Mac imminent default test?". I demanded that another escrow analysis be sent to me.

I called the HOME hotline and they told me that I qualify for HARP 2, and that I shouldn't pursue a modification with Ocwen because they fool people with the modifications, but Ocwen won't participate in HARP 2. I call other lenders and they won't touch my loan because we're $65,000 underwater. As what have been heard before, they are trying to force me into foreclosure and I think they're trying to do that so that nobody else will touch my loan.

I asked to speak with the manager to see if the fee of extra charge can be waived. Finally, the representative transferred me and I have been put on hold for 15 minutes until the system asked me to leave a message, which I did and asked to be called as soon as possible. I called them again to make the payment and I have been told the same thing. Finally, I was transferred again to the manager who hangs up the phone on me. Many times I made the sacrifice to pay an extra fee when I pay my mortgage on their website which I don't have.

I started the process and after weekly calls where I was told they hadn't received documents, which I submitted at least 5 times, I made all four trial payments on time. I finally received the paperwork, after numerous phone calls, resubmissions of documents and months of lapsed time. The paperwork had amounts incorrect and it also had my ex-husband included. A quit claim had been signed and recorded removing my ex before I even took out the original mortgage, which was now being modified. So I began calling daily trying to get someone to understand that the documents were incorrect, no one would ever call back. I was given different stories with each call and for at least 3 months, no one ever said my ex was on the docs because they didn't have a quit claim.

Finally, that was what I was told. I asked why they thought they needed it when he hadn't even been on the original mortgage, but they ignored my question. I had the quit claim faxed 3 times directly from the title company, they continued for another 2 months to say they never received it. I faxed it personally, still they didn't have it. Meanwhile, I had been making timely payments of the modified amount shown on the incorrect paperwork. I finally received a second packet of documents, still with my ex included. In desperation, I finally just crossed out his name, signed and notarized the docs, included a letter explaining the situation and another copy of the quit claim and returned them.

Meanwhile, they had reported me as being over $6000 behind and to the credit bureaus. My credit is completely shot. I returned the docs in June 2011. I got a call in August saying that they had made an error and I had two options, send a check for $2600 or they would redo the docs and add that amount on. I told them after what they had done to my credit, I thought they should be embarrassed to even ask and should write off the $2600. Ultimately, they said they would be sending new docs to sign. It is Jan 2012 and I have received no docs.

I called Ocwen, and after being on hold for some 20 minutes or more, they told me they can't take my payment, because I have no completed loan modification on file, and that it is still with the underwriters. I told them I had a signed one, and was going into my 5th month. They said they could see it, but they couldn't help me right now, and to wait for 3 to 5 days, and it should be completed. I told them I would be late on my payment by then, and it could cancel my modification. I then called the attorney handling my account, only to have them find out just about the same thing.

They told the lawyer that the modification was with Litton Loans, and now we were with them. This is the worst company I have ever dealt with, and I think something should be done about the way things are handled. I now can't make my payments, and run the risk of foreclosure. Where is the goverment when the homeowner needs help?

Bottom line, they will not release the insurance money to me even though I have complied with their rules and completed all of the necessary paperwork. In the meantime, we were in a hotel for 38 days so I paid for the repairs to begin and they still will not release any of the funds. Just like the other people filing a complaint, my calls are always answered in India. No one individual can make a decision and each time they tell me that they requested a draw for a check, some reason comes up to block or deny it. It is now January 3, 2012 and I need help! Thank you.

I would resubmit them and receive confirmation that they received them and they still gave me the runaround. Finally, I was denied again. They stated my income to debt ratio was under the 31%. However, I calculated 36%. I called Ocwen several times to see how my income was calculated and I got no answers from them, they could not answer my questions. I called them with a third party HUD counselor to get answered and they informed us that it was calculated incorrectly. Finally, I received a letter of denial again and it stated I was denied for the modification, presently it is December 2011, but I was denied because my payments will go down in June 2012. This is absolutely crazy.

What am I supposed to do in the meantime? Finally, I asked why my escrow was negative to start with because my homeowners insurance did not increase or property taxes did not increase. I come to find out I have an excess surplus in my escrow account that does not show to be applied and now they are projectioning my payment to increase. None of this may sense to me. They do not speak good English and no one has any accurate information.

Then, they started a bidding war and when it was all over, it was back to the original closing date and not their closing date; yet they would not live up to the agreed earlier off that they said was no good because on the closing date that had to be earlier. Yet they didn't do that. Do not trust anything that this group tells you. Get them to put everything in writing before you do anything. Do not trust anything they say. Even better, stay away from these people. Stay away. Yes, stay away. Bad people to deal with.

I need some help on what to do about them omitting my monthly payment and again billing me for the fees that Ocwen needs to validate. I don't owe those fees on the bill and I'm sure that if I send my payment, Ocwen will just send it back. Can I use Notice of Dishonor if they send back my negotiable instrument which is my check. Evidence of dishonor which is return of an instrument is evidence of dishonor. I would not owe them a thing. Could I use that?

I need help and if there is a class-action suit against Ocwen let me know. I am a senior and live on fixed income. I have not done anything further; I need to get a letter of to Attorney General of Florida, Pat ** and the Nebraska Attorney General John ** In Nebraska, we have no consumer protection lawyers. They just want you to file bankruptcy and no one gets it.

Ocwen is a fraudulent company and needs to be dealt with. How does one due that? It's hard for the layperson to fight and lawyers are so expensive. What do I do?

After I paid my escrow, including my monthly payment, they sent me a letter (past due contact) saying I did not pay my October payment. I received it today, December 13, 2011. I paid it by phone, using my bank account with a live agent, and she gave me a confirmation number! When I called Ocwen to check for payment, I found out that I have negative $330.00. I spoke with an agent, and he said I did not pay the escrow, and I did not pay the mortgage. He added that I have late charges, and I should not have paid it through the phone. He said my escrow is still $566.65. I told him I paid it, and I do have a confirmation number. he put me on hold, then he said that the agent gave me wrong info. What can I do with these people in India? I really need help. I guess they need to come and take my home? That's it, otherwise I will have another stroke and hard attack.

Regarding my modification, every time they asked for some documents, I fax it to them with my loan number, and my name, and the department it is intended to go to, and the name of the manager who asked for it. They gave me another appointment. Three weeks later, they asked for another document, and I do the same thing, and asked them about the documents I sent last time. They said yes, they do have it, but they need another document. Three weeks later, they asked for the documents I sent them, and they said they have it 6 week ago. What do these people do in there? When I asked for a supervisor, they have the same answer, "let me look for one", but there is no supervisor now, but he will call within 24 hours.

I don't know how these agents in Ocwen work. I need some one from Ocwen in the US to contact me ASAP to help me solve this problem, as this is a legal matter, and someone who can understand English. These people are liars. I hate Ocwen. Because of them, I need to do my monthly payment without any problem, and stay away from me these agents, with or without a loan modification. I just don't understand how they still charge me 9.35% up to now! Please, someone from Ocwen, contact me through email, **, or my address ** Arlington, TX 76016. I sent a certified letter to your office in Palm Beach, Florida. I hope it works too,but I need immediate action.

I'm happy because I think I will finally speak with someone that knows what is going on. I waited two weeks for my appointment and I am told he is busy and can't keep the appointment. Also, my modification is under review, so it would do no good to talk to him anyway. I ask to speak with a supervisor and I am told there is not one available. Now I have to wait another two weeks for a new appointment and this whole time I know they are proceeding with foreclosure even though they say they aren't.

I cannot believe this is happening. What type of company does not want money? We all need to band together to make this company do what it is supposed to.

Within that same week I got a letter from Saxon Mortgage stating that I was being transferred to Ocwen Loan servicing LLC. I then contacted Ocwen about my Modification. Saxon would no longer have any correspondence with me. After several attempts, I was assured by a man named Sanjay ** In India, that I should just keep paying the forbearance amount each month by the 1st, and that it would just take some time, because they had bought so many loans, and it would take time to process them. I made my payment on September 1, 2010. It was reversed back into my checking account on September 20.

I immediately called Ocwen, only to be talked to very crudely, and transferred several times, and told that they would not honor any previous modifications, and that I had to pay the regular payment immediately, and $300.00 extra per month, to pay back forbearance given. Also, once again, my loan officer does not do loan modifications! Who is my loan officer? Why not? I'm at 9.9% interest rate, and the rates are down to 4% at that time. Ocwen is a poor excuse for a company, just debt collectors . No one can ever give you an answer, without putting you on hold or transferring you, or asking a manager, who will not talk to you at all. Oh yeah, and there is no Sanjay ** anymore, who assured me my loan would be approved.

I contacted a lawyer. I tried to do a short sale to protect my credit. I had to list it for less than 1/2 of what I owe. I got served with foreclosure notice. They offered me a deed in lieu. I had to take it. I have to walk away from my home of 6 years. I have to move out in 6 weeks. My credit is trash now.

I had a payout agreement with Litton to pay escrow for taxes and insurance paid by Litton. Ocwen said there is no way they can honor this agreement and is raising my monthly mortgage payment by $1,000 and there is no way I can pay an extra $1,000 per month. I have never made a late mortgage payment and this will ruin my credit. The Ocwen rep told me I need to fill out modification papers. From complaints I have read thus far, that sounds like a nightmare.

Now due to divorce, we were forced to short sale the home, an offer went in July 2011 and as of December 4th we have no answer. We cannot make the payments any longer so they have in turn started the foreclosure process, our sheriff's sale is days away. We then must close in the 6 months or the foreclosure will trump the short sale. They again lost paper work; fail to provide answers when we call and appear to have no earthly idea what they are doing. This is a travesty for people, when will someone anyone wake up and do something!

I never got credit for that $500, only to say we had extra principal and it was 8 months of no contact from them. Remember I wasn't on the original loan (the wife), I can get off it! They some how incorporated me into the re-modification papers and tried producing me the papers for a house I never bought. So I can actually buy a house for my kids! The other matter is they have twice now probably made up pay our whole income tax and bonus 2 years in a row which is about $8,000 to make up our payments and ignoring us for re-modification.

I get a letter today, 12/1/11, stating that now they have paid another set of taxes that I owe Ocwen for and that I must pay close to $7,000 in back escrow. My taxing authority of Bexar County says nothing was delinquent and that my taxes are now current through 2013 because Owen has pre-paid. This should have never happened and all he while Ocwen is charging me late fees for this escrow that should have never been set up without my authorization or approval. They are now trying to foreclose because with late fees on this escrow for tax pre-payment they say I owe near 10,000. This is insanity.

Was told it was not enough. I asked the rep what happened to the $7 payment. Rudely said, "Oh, we have it. Said you have to make the total payment again of $686." Each time you speak to a rep., it seems as if they put no notes on the account. Each time you get different answers. An issue I had earlier I asked to speak with a supervisor. Would not allow you to speak with a supervisor.

Also, I called Ocwen back today and after going through so many different prompts, I finally spoke with someone again, and if I didn't mention it before, it is very hard to understand what these people are saying on the other line. They don't speak very good English. I asked if they were in West Palm Beach and the man told me no- he was in India. I am so tired of trying to protect my home and dealing with companies that out-source their work to another Country when this Country has people out of work looking for jobs who speak better English but Ocwen is not helping me in anyway, in the requests that I had asked for. I got so upset that I hung up on the guy.

The first six months I was there, I sent back half of the mortgage without any issues. My ex had told me that he had roommates in the house and no longer needed my money to help make the house payments. Three months later, the mortgage is in default again. I agree, my fault for not following up on my ex. However, to avoid foreclosure, we attempted a short sale of the home. It would take one year and two different real estate agents to finally push Ocwen to set a foreclosure date. It was a mess of "We didn't get your paperwork" or "We never received that email registered and signed for document."

Ocwen told our real estate agents that we needed to agree not to do a loan modification in order for them to expedite a short sale. So we called them and they told us that they are working with the real estate agent, and that the short sale price was too low. "Wait, do I need to fill out more paperwork about a loan modification or not?" No, they told me. They were already working with my real estate agents.

Fast forward to a year--they have issued foreclosure warnings and a date. So my ex decides to file for bankruptcy and squat in the house for another three to six months. Fast forward to three to six months, I have now moved back to my hometown due to a major family crisis, but am not living at the property. They come at us with the foreclosure warnings, and we sit back and let them do what they want. My ex moves out. Fast forward to July, the foreclosure date--dismissed without prejudice!

They are reporting me as "Paying as agreed" to all three credit agencies, even though I have not made a payment in three years. Apparently, Ocwen is paying the property taxes. I really don't want this property anymore, and can't even imagine trying to work another short sale since Ocwen has done so little for me in the communications department. I'm truly at a loss of even what to do. Now, the city is listing the house as abandoned since we both moved out because we were told they were foreclosing. But the city can't take it because Ocwen made sure to pay the taxes. What is going on?

I am lost and confused. Am I the only one who is lost in the paperwork? Bonus: My credit score has increased by almost 100 points due to Ocwen's misinformation to the credit agencies.

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.