Ocwen Mortgage Complaint

Ocwen Mortgage department,

FHA mortgage Loan modification,collection,foreclosure Illinois

I submit this complaint due to the unfairness, misrepresentation and confusion surrounding loan modification requests and the ability to keep my property. Specifically, I was served with a MORTGAGE FORECLOSURE SUMMONS from Ocwen Loan Servicing on - after completing - Trial Period Payments : 3 months in - and 4 months in -. History : I applied for a mortgage modification on my own in -, was granted Temporary Trial payments for 3 months after being TOLD to skip the month of - - and to wait for PERMANENT MODIFICATION DOCUMENTS to come in the mail. After waiting more than the required 3 months, I finally received a SUBORDINATE MORTGAGE AND SUBORDINATE NOTE in - - which had to be notarized. On - -, -, I learned the documents from - were subsequently filed with the RECORDER OF DEEDS FOR - -. I was notified via email sent to my inbox from the


In, - -, while still waiting for PERMANENT MODIFICATION documents to come in the mail and finally learning from a Relationship Manager that I was never approved for a PERMANENT MODIFICATION, only a PARTIAL CLAIM, I decided to enlist the aid of -, the Neighborhood Assistance - - - - certified HUD - - and advocacy organization ). I needed someone more knowledgeable about my needs to try to get a more permanent solution in order to keep my home. With the assistance of -, on - -, -, I was finally approved for a HAMP Modification Restructure. An approval letter was submitted to the representatives at -. My case file on - 's website listed a total restructuring of my mortgage : lower interest and monthly payments for 360 months. - representatives told me to wait on the receipt of permanent modification documents to come in the mail. On the same day, I spoke with an Ocwen Advocacy Team Member, - -, ID # -. I was told I was approved for a GOVERNMENT HAMP MODIFICATION governed by - - but not an Ocwen type Modification. I was given the exact same terms presented to - and was told to wait on the PERMANENT MODIFICATION documents to come in the mail. In the meantime, I received papers approving a - Trial Period Payment Plan for 4 months. I made those payments. On -, I received a letter from Ocwen stating a review of my loss mitigation application and financial information was performed and unfortunately I am denied a HAMP Modicfication. A notification was sent to - from Ocwen stating, " We are unable to offer you a Home Affordable Modification because : The owner and/or insurer of your loan allows only - modification every 24 months. Please note, not all eligibility factors were evaluated. - had a partial claim completed in -, unable to offer another Modification /partial claim as loan was modified/partial claim within last 24 months ''. I had been approved in - -, told to wait for documents in the mail, patiently waited, and 4 months later, on - -, - was told I never should have gotten the modification. ( HUH? ) - -, Ocwen stopped accepting - payments and demanded over $6000.00 to reinstate my mortgage, closed case # - with the - gave me a Short-Sale option. In addition, Ocwen mortgage website indicated $0.00 due and next payment due -. My mortgage ESCALATED over night - -? ) -, I 'm served a foreclosure notice. -, I visited another certified Housing Counselor, the - - - who initiated yet a - Modification request but on -, was denied for ANY type of modification assistance. After being served, I filed an Appearance and Answer to the foreclosure notice. I 'm due in court -. How do I proceed? Ocwen and its representatives only confuse me when they say one thing but I receive another in the mail. It 's unfair. Please advise.