Ocwen Mortgage Complaint

Ocwen Mortgage department,

Conventional fixed mortgage Loan modification,collection,foreclosure Pennsylvania

I have an issue with Ocwen Loan Servicing. I lost my job -/-/- due to illness, and have been working as hard as possible to make the mortgage payment since. On - -, I filled out the paperwork for a loan modification. I called Ocwen -/-/- to find out what I needed to do. I received a letter stating that my profit / loss statement was invalid because it was not signed ( I own the business ) .The female I spoke with said I had been approved for a HAMP modification, which I knew nothing about. I told Ocwen I had not received any paperwork. She emailed me the information, which I received on - -. I was also set up with a phone meeting with my Ocwen loan representative, - - on - -. I did receive a phone call from Ocwen on - -, but not from my loan representative. I stated that I had read the information and would like to move forward with the HAMP modification. I was told it was no longer an option because I had missed 2 of the trial payments, -/-/- and -/-/-. I politely told the gentleman that I had


profit / loss statement to them. They had asked for the last 3 months, in my original modification filing on - -, I had given them the last 3 months plus my entire -/-/- profit / loss statement. I explained to the man that I owned the company and the statements were generated by my accounting software. He instead asked for an email with - numbers on it, gross income, business expenses and net income. My statements had all -. He then set me up with another phone meeting with my loan representative for - - and I have yet to receive any information on modification programs. This is just the latest issue with Ocwen. I have our small mortgage which was originally a line of credit in collections. I attempted to pay it up to date by sending them a check which was less then -, they held the check until the next months payment was due, then returned it saying they needed a certified bank check, which no where in my original note does it give them permission to demand a certified check. I have called them to complain about " inspection fee 's '' listed on my statement. My next statement would have the same amount listed as " Other Fees ''. They said it was a drive by inspection, but when I asked them if the home was under construction or not ( it is ) they could not answer. They have claimed to have sent certified mail to the home, but can not produce a signed mail receipt. The address on the statements is not even the correct mailing address. I am at wits end with them and am very afraid that their goal is to make it almost impossible to pay my mortgage resulting in foreclosure. What can I do?