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Sent to a friend[8882] Ocwen Loan Serivicing, LLC - unwilling to renegotiate mortgage
9/11/2001 my children and I left our home across the street from the World Trade Center and never returned. During the next 4 years, we moved 5 times, due in part to the aftermath of 9/11 and to difficulties involved in a difficult divorce. In 2006 I found a house to purchase. My children and I would finally have a permanent home and we were so hopeful for our comfort and safety. I purchased this home with a loan that I did not like but signed on the advice of trusted bankers, lawyers, and realtors. I was assured that I would be able to refinance the loan immediately and that it would not be a problem. I have been trying since then to do just that. 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 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 Probil at Ocwen. I left messages nearly daily until. After approximately 1 month I was able to reach Mr. Probil 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. Probil 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. Probil to follow up on my application. After another 2 weeks of calling every day, I finally got Mr. Probil 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 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. Probil 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. Probil received in our phone conversation one week ago. Mr. Probil 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.
Posted 2 years ago
Rating:0.00
Comments
- You are dumber than a box of broken glass. You think you are entitled to s new mortgage and forgiveness of a 2nd mortgage? Who do you think is supposed to pay for your 2nd mortgage? YOU signed the papers, YOU chose the loan. If a trusted lawyer, banker and psychologist told you to shoot yourself in the head, would you do it?
Stop blaming everyone else for YOUR failure. Stop running around with a sense of entitlement and take responsibility for YOUR actions. You should have read the mortgage. You should have shopped around. If you couldn't get a good mortgage, you should NOT have signed for that one...you should have waited until you could get a better mortgage. Lord knows there isn't any shortages of housing right now.
Idiots like you who feel they are OWED something for nothing disgust me. It is morons like you who want the government to tell you how to live your life and take from those who are smart enough to make money and give to idiots who are too lazy to think and work for themselves.
I am sure the other half of your story is that you fail to pay your fair share of taxis and/or you don't keep adequate tax records and that is why you got offered a crap mortgage in the first place.
Own up to your faults and stop whining about how you should be given whatever you want. Home ownership is a privilege, not a right.
Get over it.
Posted 2 years agoReport - am with u victim in texas, ocwen is a big lie of lies, I did modification in 6-2009 they will drag u on will diffrent stories, and got their india reps, to lie to u also, I think its lack of training, that they tell u ,that your not being foreclosed everything is great, then bang bang, a foreclosue notice, no other mail ,but that, no calls, just I WANT UR HOME.I NEED A ATTNY IN TEXAS, TO JOIN ON CLASS ACTION SUIT ASAP E/MAIL roselatina2007@yahoo.com help help ,Karen in tx victims
Posted 2 years agoReport - I NEED A TEXAS ATTNY. SO I CAN JOIN THE CLASS ACTION LAW SUIT ASAP. TEXAS VICITMS OF OCWEN LLC MORGAGE LOAN, IS TAKING MY HOME WITH LIES, FORCLOSURE WITH OUT RESPECT, MODIFICATION LIE AFTER LIE, NEVER CALLED ME ON STATIS NO MAIL, AND INDIA REPS TOLD ME NOT TO POST PAYMETNS TILL I GOT PAPER WORK ON NEW PAYMENT PLAN ALL LIES, HELP ME PLEASE. E/MAIL roselatina2007@yahoo.com /texas victims,KAREN
Posted 2 years agoReport - It is tough getting a loan mod, I should know I do it for a living but it is possible. It is all about putting the package together property to send to the bank. forpaymenthelp@gmail.com
Posted 2 years agoReport - Class action suits do not work with mortgages. Each one is like a snowflake. The key is to have each one audited. There is a problem in the country called predatory lending. Ocwen is one of the worst. Since a crime may have been committed the paper work needs to be put through a forensic mortgage audit. Endlessfrauddetection.com can provide just that. The auditing firm can provide an audit and litigation support paper work based on the violations. 90% of lawyers work is already done so now you hire one by the hour or on contingency. This paper work is done by lawyers for lawyers and the court will appreciate the level of detail the audit provides. Now the mortgage company may not like it but they will try real hard to keep it out of court if the violations are bad enough. They don't want a jury to give 11.2 million to a home owner they tried to get 31,000 from, that was an ocwen mortgage by the way. Go to the website and see all that a forensic audit can provide. They even have a radio show, endless fraud detection radio show with links at the top of the home page and on the rule of law radio link the Dec 3 and 17 show are with a client who had 17 violations in his mortgage. He was awaiting a check from the mortgage company because of all the fraud. Now just because someone was does not fully understand the mortgage process unless the were trained does not mean that they were stupid. It simply means the company saw the lack of knowledge and took advantage. That is predatory lending and ocwen has a major history of that and the 11.2 million to a homeowner in Texas is proof.
Posted 2 years agoReport - Class action suits do not work with mortgages. Each one is like a snowflake. The key is to have each one audited. There is a problem in the country called predatory lending. Ocwen is one of the worst. Since a crime may have been committed the paper work needs to be put through a forensic mortgage audit. Endlessfrauddetection.com can provide just that. The auditing firm can provide an audit and litigation support paper work based on the violations. 90% of lawyers work is already done so now you hire one by the hour or on contingency. This paper work is done by lawyers for lawyers and the court will appreciate the level of detail the audit provides. Now the mortgage company may not like it but they will try real hard to keep it out of court if the violations are bad enough. They don't want a jury to give 11.2 million to a home owner they tried to get 31,000 from, that was an ocwen mortgage by the way. Go to the website and see all that a forensic audit can provide. They even have a radio show, endless fraud detection radio show with links at the top of the home page and on the rule of law radio link the Dec 3 and 17 show are with a client who had 17 violations in his mortgage. He was awaiting a check from the mortgage company because of all the fraud. Now just because someone was does not fully understand the mortgage process unless the were trained does not mean that they were stupid. It simply means the company saw the lack of knowledge and took advantage. That is predatory lending and ocwen has a major history of that and the 11.2 million to a homeowner in Texas is proof.
Posted 2 years agoReport
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