Onity Mortgage Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

We can not refinance and our credit looks horrible because of them. The time spent on the phone and computer are countless hours. The frustration of being trapped has taken a toll on my family.

THANK YOU.

I am unable to afford my mortgage payments. Foreclosure is imminent. Stress is mounting and unbearable.

He told me that the phone calls would continue etc etc.

I called them back to get info. They did not answer the phone with any sort of business manner. Fact is, they answered with "Michael?". As in they had caller ID and was simply going by that. I asked to speak to the person before (CunalSinth) and this person said I could not. He wanted me to give him the last 4 digits of my husband's SS#. I told him no, for him to give me those numbers if he wanted to verify to me that he had the right info. He said he could not because of the privacy act. Well they certainly had no problem giving me all the info on my husband's supposed Fingerhut account.

We have never before received any mail or phone calls from Fingerhut or OCWEN. We have never had an account with Fingerhut.

When cancelling the payment in the past, PHH then cames they have received our payment after all and kept both payments applying the second payment early to the next months mortage payment.

She told me I had 5 days to send in all the documents and a letter claiming that i disputed the debt. I explained that the hours I worked would not allow me to get this done in 5 days let alone put it in the mail and get it to the Dispute Dept. within that time. I asked if I could have more time than that and she said, "YOU HAVE 5 DAYS." before I could ask or even say anything else she hung up on me. I dispute this claim.

Yesterday, to his surprise, there was a very informal paper attached to his window stating that Ocwen was servicing the property, When he called the number listed, the person told him he has to get out within three weeks, and that he will give him a $1,000 if he gets out in that time, so that he doesn't have to call the sheriff. He told my son there was nothing he could do to keep his home (he has two little girls). When my son called Ocwen and asked to talk to the foreclosure department, he was not permitted to do so.

None of this sounds legal nor ethical to me. I was under the impression that if a tax certificate was purchased, the owner still had a period of time to pay for it. This has nothing to do with my son's mortgage payment, as he was bringing me the money, and I was sending it. Is it legal for the mortgage servicing company to take my son's house over taxes?

To my surprise on February 13th they sent back the check for the $69,000.00 I sent them with a letter stating that the amount was short and they sent me a pay off figure as of February 16th with interest for the 16 days in February. I feel that the February interest of @363.36 would not have been necessary if they had deposited the check sent to them and billed me for the remaining balance. I find that they have no customer service interest. They could have contacted me by telephone which would have immediately resolved this situation and saved me the additional interest.

I have contacted them about resolving the dispute over the final balance, and they have not responded. Time is of the essence, and they know this. They are dragging this thing out and trying as a last effort to tack on as much "bogus" extra fees that they can come up with. My house is valued at around $180,000.00, and I only owe $43,300.00. I have researched this company with the BBB, and they have 298 complaints within the last 36 months, many unresolved. I do not want to become another statistic or lose my home.

We have tried to talk w/OCWEN customer service (Out of India) many times and have written them with this paperwork, all to no avail. They are charging $778 for seven month's back flood insurance for which there were no claims and we were not notified of the necessity. They will take the money out monthly with or without our agreement.