Ocwen Mortgage Complaint

Ocwen Mortgage department,

VA mortgage Loan servicing, payments, escrow account Kentucky

I am having a problem with Ocwen Mortgage Company of which my loan is managed. I applied for the ability to pay my own escrow per their instructions officially sent to me in the mail. I was denied. The - points in their requirements to allow me to do this was:1. You have been current on your mortgage payments for the past 12 months. 2. Your loan does not have a negative escrow balance or any other outstanding delinquencies. 3. You do not have a tax or insurance payment due in the next 45 days. 4. You do not have a force placed insurance policy. 5. Your loan has not been modified within the last 12 months to include escrow. They also said that additional exclusions may apply, but Ocwen only knows those exclusions. After meeting all these requirements, Ocwen told me I had to have a loan ratio of less than 75 % of my loan remaining to qualify for escrow payments on my own. In other words I still owe more than 90.52 % of the outstanding balance on my loan and I can not be allowed to pay my own escrow. Another problem I have is Ocwen adjusts my escrow upwards every year even though I have an escrow balance at the start of 2015 of over $1000.00. Is this legal? Can they just nickel and dime me every year just for - even though I live in a small town outside of - -, Kentucky. The city, - -, KY is not that big a city to have the taxes and homeowner 's insurance adjusted every year.