My mortage was sold to Ocwen about 4 years ago and all I can say is these people are horrible. My payment is due on the first with a grace period until the 16th before it's late. On the 2nd they were calling me telling me my payment was late. I let them know real quick that not only was it not late but they had better not call me again unless it was after the 16th of the month. That fixed that problem. Now on to the newest saga. I have no escrow with Ocwen but they decided to pay my taxes this year AFTER I had already paid them. Then they sent me a notice saying they were offering me a loan modification for the next five month to pay back the "escrow" they created for doing me a favor and paying the taxes. I called them and as others have stated, they are outsourced in India and all over the place outside the US. Anyway I told them that I was not going to agree to any loan modification and since they created this problem they could request a refund from the tax offices. I faxed them proof of the tax payments and talked to the same guy again afterward. He said he saw where I had faxed them and they had been logged in by their tax department and they would request a refund from the tax office and for me to call them back the following week and it would all be taken care of. The following week before calling them back after checking online to see if it was cleared up (it wasn't) I called the tax offices and was told no one from Ocwen had requested a refund. I then called Ocwen again, and amazingly..got the same guy again. I went over the previous conversation (which he actually saw notes on the account on) and again he said they were expediting it for the the refund and he said it had been requested, I let him know I had already called the tax offices and they let me know they had not requested. I told him that I was making my scheduled mortgage payment and not one penny more and they had better not charge me late charges or report any negativity on my credit. This was the beginning of many conversations. Today I called them again for the 4th or 5th time after checking my account with them and seeing that they showed my mortgage payment as current however are trying to charge me a late charge on the tax escrow they show. The guy I spoke with today (Mohamad) told me three different stories about the taxes, they requested the refund from the tax offices, I was going to send them tax payments when I recieved the refund from the tax offices and last but not least ... Ocwen had received the refund and would be sending me a check for the overpayment !!! At this point I told Mohamad that what he was saying made absolutely no sense and he needed to stop talking and listen to me from that point on. I then told him that I had requested the refunds from the tax offices because Ocwen was not doing their job and all they were capable of doing was telling lies. That when I receive the refund check from the tax office then and only then, I will send them the money for the so called tax escrow they created. I then told him to take late charge they charged me off the account because I was not going to pay late charges on their screw up. He started to tell me I could write a letter and request they take it off after the tax escrow was straight. I told him I was not going to request anything because they were the one that created this problem and they needed to fix it and if they turned one thing in against my credit or charged me any more late charges or even thought about mentioning the word forclosure they would be talking to my lawyer and informed him the conversation was over.

They have sent me two different so called "loan modification" which require my signature to put into place. I have not signed any of them nor do I intend to. I know there is a clause in the law that I can request a contract between them and myself " WITH" my signature on it and if they can't produce it they don't have a leg to stand on in any leagal battle. Ocwen can not produce any contract between my self and them with MY signature on it!

These people are complete crooks and something needs to be done about them and their business practices or lack there of. The sad part is that these bastards get away with taking peoples houses away in illegal forclosures.
Stay as far away from these vultures as you can!!


If there is a class action law suit out there I want to be involved in it so please contack me with the information.

Ocwen, main office in India, does Not know how to do business in the US. Qcwen illegally acquired my late Mothers debt consolidation loan from "New Century", now out of business under that name, because of lawsuits. (they just reopened under a New Name). After my Mother's death, in 2006, I continued to pay Qcwen, and let them "modify" the loan to include Full Coverage Insurance and taxes in June 2008. By September 2008 I was paying the "modified" amount, only to find out after Hurricaine Ike, I was told I still had "forced place" Insurance. The rest of the horror story, is too much to give step by step, but Ocwen, keeps asking for my deceased Mother and told me last week, (Feb.2011) "not to worry, they have an arrangement in Texas to "Force the placement of Insurance" They do not even know what that means. The truth is I now own the property, and I am in a house with mold, lead, molded fiberglass insulation and a bad roof, that was just replaced in 2002. This house is Not Insurable, and not safe to live in, and Ocwen does not even have a mortgage, they are falsely adding charges for inspections, they do not know the electricity and plumbing is bad and I am under a Doctor's care for allergies. My late Mother's last gift to me is not really safe to live in, and Ocwen, does not have a clue.