Complaint Review: Ocwen Federal Bank FSB

Read the Federal Reserve Publications and more so Chicago - see the accounting entry.

The banking industry is a sham and Pite Duncan LLP a 3rd Party Debt Collector not registered under the parent company - in each state doing business. The parent company is a debt collector and we do not owe these loan. We have not been on a Money of Exchange for many years. We are on Money of Account. Too much to explain. I went thru fraud on the court with Pite Duncan LLP clan---silver tongue. Right up there with David Stern Foreclosure Mill. We need to complain to AG's asap. I am in CA and I have a home in Nevada. Look up Promiss Solutions Holding Company A delaware company but located in GA. I would join class action against Pite Duncan LLP.

Lauren: You Go Girl! And Kudos to you, Marlene:

I have sat on the sidelines and read the never-ending stories of fraud and frustration which have become the legacy of American homeowners. It was this brazen piracy which compelled me to find my lawyer to file a federal nationwide class action lawsuit against Ocwen, Moss Codilis and Litton. And I thought, naievly as it turns out, that what the regulatory agencies and state courts had somehow missed---naked stealing of our mortgage monies by Ocwen and its co-conspirators---would be quickly identified and halted by the federal courts.

Boy, oh boy was I wrong about the "quickly" part. Federal court litigation is a time-consuming process, even when Ocwen's own workers are submitting sworn statements about the fraud that occurs deep inside the bowels of Ocwen. Even when Moss Codilis workers state under oath that Moss Codilis is engaged in outrageous and criminal behavior that in an upside-up world would get these lawyers hauled before lawyer discipline agencies and get prosecutors hot on their tail.

While the Hanson v. Ocwen class action lawsuit is still alive and well in Connecticut, and while on March 23rd my lawyer (but not me---I have a criminal trial in Hartford) will be traveling to Jacksonville, FL to present oral argument to the MDL Panel about the pros and cons of combining all the Ocwen class action cases in one federal district court, I want to say that Marlene's suggestion sits very well with me.

While the Hanson class action has been pending, Ocwen has been taking people's homes. I know this because hundreds of you fellow victims have sent me sworn statements, canceled checks, emails by the thousands, and crazy monthly mortgage and/or collection statements by Ocwen and/or Moss and/or Litton where one month the amount owed is $85,000 and the next month the amount owed is $101,000. Huh????? Yep!!!!!

We still await a hearing on our July 2002 motion for a preliminary injunction to stop this thuggery. Meantime, folk, it's self-help and sel-preservation. The federal courts are taxpayer institutions which every American has a right of recourse to (it's guaranteed by the Constitution).

I personally do not care (I do not know how my lawyer feels, because I do not know if he has time to read this website every week like I and my enemies do religiously) if every victim of any predatory servicer in the country decides to take my lawyer's class action complaint (or the Fairbanks class action complaint and use it as a template to file their own FEDERAL CLASS ACTION LAWSUIT against any servicer who is abusing them. My lawyer's complaint must have been worth something because despite the passage of twenty (20) months, our lawsuit is still like a monkey on Ocwen's back, and indeed has spawned a few more.

Yes, the Hanson v. Ocwen complaint (available at the CBS News website and elsewhere on the internet in PDF format) accuses Ocwen of fraud, racketeering [RICO], violations of the Fair Debt Collection Practices Act; the Fair Credit Reporting Act; Negligence; Misrepresentation; Breach of Contract; et cetera, et cetera. And it is perfectly legal, as Marlene has indicated, for any victim to "do it yourself" and use the complaint in that lawsuit as a template for that victim's own lawsuit i nthat victim's own federal district court.

I gain nothing if 1,000 people frustrated by the pace of my nationwide class action case take matters into their own hands and sue Ocwen. By the same token, I lose nothing. If there are 1,000 class actions, it will make for a merrier MDL process, especially if the mahjority are by pro se litigants [victims who cannot or chose not to hire lawyers].

So, while I will not publicly advocate everyone rushing into their federal court to sue Ocwen using our lawsuit or the Fairbanks complaint as a model, I have no business discouraging anyone from doing so either. If you have to file for bankruptcy or sign a horrible foreberance agreement or file a copy cat federal class action lawsuit to buy yourself another 6 to 8 months against a fraudulent foreclosure, it's your choice. I have no vote in the matter, since the Hanson complaint is freely available online.

Meantime, as long as the Lord God Almighty enables me, I shall get up every day, and replenish my strength, and call my lawyer, and strategize with him, and continue to spend whatever money and time it takes to save my own home in the process get a nationwide class action certified. When even supervisory employees of these entities are swearing under penalty of perjury that our funds are being misappropriated, and when my own cancelled checks prove empirically to my 9th grader kid that I was NEVER in default, and when Ocwen continues to lie, cheat and decieve [selectively submitting emails from its own employees to try to show that somehow the information they sent of their own volition was coaxed out of them by me, but then fails to submit other emails from those same employees saying how much fraud is going on inside Ocwen's walls, you better believe that I am not going to go quietly away into the night. Ditto for every victim out there of every predatory servicer.

We will turn from being the hunted to becoming the hunters; we will go from being prey to pursuing the predators. We will watch to see if the AGs, the FBI, the SEC, the FTC, HUD, OTS, and other alphabet soup law enforcement agencies which are funded by our taxes indict, investigate, charge, arrest, and ultimately imprison some of these industry "leaders." We will take matters into our hands within the bound of existing law and fight like mad to save our homes from fraudulent foreclosures.

We will give these guys a run for their money, because all the corporate defense lawyers in America cannot defeat a people united in their determination to stop piracy in its tracks, spend what they may. The Hanson class action is already a living example of that adage. And if we lose, the same appellate courts utilized by the big guys are available to the little guys (viz., you and me)! Thank God!

And if any predator is foolish enough to run into court to try to get an injunction stopping me from posting online, I shall use that court occasion to argue our long-sought preliminary injunction, and I know hundreds of you have already pledged to come up in a show of support for that day. Periodically during the past year, several of you at random have received evidence of fraud and so forth dispersed by me to prevent anyone moth from breaking in and devoruing the proofs before we all have our day in court. The whole country cannot be silenced. Like the millions of Spaniards [Marlene, I now know where your courage comes from] who marched against terrorists last weekend, we are also marching in unison against this tragedy that has gone on for far too long. And despite the fact that Al Qaeda could have tried another bombing attack on the millions of marchers, they were not intimidated, and neither shall we even if some of us are picked off literally or figuratively.

Plus, as a lawyer myself, I shall use every legal mechanism to ensure that my first amendment rights are not squashed by any thugs.

You better believe that Marlene, Dale, Bob, Jo, Brad, Alice, Maureen, Gina, Angela, Pearlie, Shirley, Jon, Diana, Tina, Cynthia, Dave, Stephen, ED, Diana, Ann, Maureen, Jenice, and hundreds of others [my fingers are tired now] too numerous to mention by name.

Kweku Hanson
487 Main Street, Suite Two
Hartford, CT 06103-3007
LEAGLTEK@MINDSPRING.COM

On a loan with an original amount of $28,000.00 made in 1979 with Bank United, somehow down the line it ended up with Ocwen Mortgage in 2001.

The $28,000.00 loan was assumed in 1984 and a second loan with a new lender was made for $8,400.00 with Washington Mutual.

Codillas and Stawarskie - Houston, TX had both default liens. Codillas and Stawarskie foreclosed on the second lien ($8,400) September, 2003 and received $62,500.00 from the buyer.

Codillas and Stawarskie held the overage of $53,000.00 for six months until I called Ocwen, Michael Roebucker, legal department, and demanded to know where was the $53,000.00. On January 29, 2004, Ocwen sent a payoff statement to me that stated they needed $64,518.34 to pay off the original $28,000.00 loan.

I called the previous homeowner that lost his house in the Washington Mutual foreclosure and asked him if he had received the overage of the foreclosure money. He said NO! I then called Codillas and Stawarski and asked Mary Spidel, attorney, what happened to the $53,000.00 overage from the second lien foreclosure.

On February 6, 2004, I received a new payoff from Ocwen where a credit of $51,083.12 was credited, AND I received a telephone call from Mary Spidel, attorney for Codillas and Stawarski stating that "maybe something could be worked out." I told her yes, merely have Ocwen sign the Release of Lien and send it to me and that would be the final work out. She said absolutely not. They needed an additional $13,200.00 to release the original lien.

I told Mary Spidel this lien of originally $28,000.00 should be released and that all the fees incurred were grossly in violation of Texas usury laws. She hung up on me.

With all of this said, I will be happy to get both the new homeowner, her attorney, the man that previously owned the house and was foreclosed on by Codillas and Starwarski, and his attorney ... to join in a Class Action Lawsuit... mainly because

Codillas and Starwarski cannot and will not provide proof that they made attempt to contact the previous owner for the overage OR most especially, Ocwen mortgage to get this debt resolved WITH THE $53,000.00 OVERAGE THEY RECEIVED AT THE SECOND LIEN FORECLOSURE SALE.

I did talk to one person at Codillas and Starwarski that told me they deliberately did not foreclose on the Ocwen loan first because they knew they could get a lot from the second lien foreclosure and then add more fees to the Ocwen loan foreclosure....

Where was the d**n money of $53,000.00 for six d**n months???? Well, Ocwen doesn't know and.....Codillas and Starwarski doesn't know... or at least that is what they are all telling me.

I suppose only the supreme court could get someone from Ocwen or Codillas and Stawarski to answer that question or GO TO JAIL!!!

To Robert, Diane, and others,

Thanks so much for your support. I understand we are all supporting a single cause and not a single individual.

It was always a belief-before-- that an overabundance of class actions might dilute the "Hanson v. Ocwen" case. It would be very expensive and many greedy lawyers may want to jump into the case for the sake of money, not justice -it was the belief.

Guess what: Mr. Kweku Hanson is troubled for the increasingly agressive behavior of Ocwen, which is more desperate after its victims.

Mr. Hanson, out of his generosity, is giving his okay to every victim who feels trapped with these Ocwen Hell company and its legal RICO friends, to use his "filed" class action as a model.

So, Lauren, you are right and if it's true I was may be right before, things are changing on daily basis and I was wrong then under this new light when I advised you before not to file a class action against Ocwen. I offer my apology to to you and to others I may be confused with my post.
I hate this fact because I am a victim myself and you all, are my family.

I just contacted people very closed to the Hanson v. Ocwen class action, and found out that us, victims, can get a copy or the Mr. Hanson filing from CBS.com, take his information off (the informatin not related to our individual situations), put in our own personal information and file class actions in all American courts as needed.

It is very unexpensive since we don't need a lawyer to do it, only one hundred and some more dollars (according to your city, I think). In this way, we can keep our RICO charges that gives us the right to be listened by a jury, the chance to let America knows that Ocwen is a criminal institution that should be gone for ever.

Things are changing all the time. Our victimization does not change. I am the same Marlene, who is adapting herself to new evolving reality.

Courts and judges are taking their time, and according to Mr. Hanson many persons are being very victimized and they should jump, as Lauren is doing, and file class actions all over America.

Ocwen is more agressive than ever before because it needs to take as many houses as it can to pay his expensive lawyers and keep their fat bank accounts and expensive habits.

I would like Mr. Hanson to offer his educated and authorized version of this new need to change our tactics in our Ocwen war.

Lauren, don't keep harsh feelings against me. We are all, at different degrees, experiencing the Ocwen curse. I understand the anguish you are enduring if that people are not taking your payments and doing all those other things you explain that I am sure are translating into a lot of heartbreaking misery for your loved ones. I also salute the fact that you are now exchanging ideas and feelings with other Ocwens victims in your state.

By the way, I found out this weekend, by accident, that Ocwen is realizing NOW! that I am one of his most FERVENT enemies! Is this a tragedy or a comedy?

OCWEN STUPID, OCWEN IDIOT, OCWEN IMBECILE, OCWEN MORON, ....just NOW you found out how much I hate you? I always knew about yur pervirsion; but I had never realized how low is your IQ. Now, I understand it more than ever before. Now I know why you dedicated yourself to steal, Ocwen: you have no brains to do the most minimal decent job.

Marlene, OCWEN HATER AND PROUD OF IT.

Ladies calm down you both have great ideas and opinions.

I do not mean to side with either one, but the issue posted by Marlene for Kewku Hanson from CT
is justified since the primary accusation is RICO.

What Ocwen, Litton Loan & Moss Codilis have been doing is Criminal.

If the cases all get lumped together in my opinion we could lose the chance of a true court case for Criminal charges / RICO, besides things like RESPA, HUD, etc.

Look at what happened to the Fairbanks Victims a few pennies on the dollar, is that what you all want.You want your homes and lives back.

I want them all in prision behind bars with the regular folk, then maybe then they can have some remorse if they survive.

Lauren,

I pass no judgement on you. I am also a single mother ( I have been single for ages, since my children were 2 and 3). I never remarried out of no time, the need to support my children alone, and other problems related to my diborce.

Now, I am older and also take care of my almost 80 years old mother, who needs me close to her. I am the only one who takes care of her. She is ill and depresed but also, thanks God, very optimistic and sweet- it sounds like a contradiction, I know, but she cryes often I don't hear her singing around.

I realize that you got to do what you got to do. All os us are individuals and some of us can do things others can't and viceversa. So, I pass no judgement. Who am I to do that? You are my sister, belive it or not, and we both know the excruciating pain of dealing with Ocwen on daily basis, weeks after wek, month after month, year after year. My heart goes out to you, my hand feels warm for you.

I undertand your position. My physical health is also being affected by Ocwen Monster; but I am afraid my mind is one of those very srong ones that can take every calamity without seeking refuge in insanity (dementia is an escape or a way out, a defense mechanism or compensation).

I am still against too many class actions because I dont want Ocwen's tail. I want his head. Do you hear me Ocwen? I WANT YOUR HEAD!

I hate Ocwen's ability to hurt so may families, not only yours and mine. I WANT OCWEN OUT OF AMERICA FOR GOOD AND FOR EVER!

But we do wha we can do and its okay if whatever we do, we do it with a pure intention and an honest heart.

I desire you strenght, health, and the best lock.

Lauren,

I pass no judgement on you. I am also a single mother ( I have been single for ages, since my children were 2 and 3). I never remarried out of no time, the need to support my children alone, and other problems related to my diborce.

Now, I am older and also take care of my almost 80 years old mother, who needs me close to her. I am the only one who takes care of her. She is ill and depresed but also, thanks God, very optimistic and sweet- it sounds like a contradiction, I know, but she cryes often I don't hear her singing around.

I realize that you got to do what you got to do. All os us are individuals and some of us can do things others can't and viceversa. So, I pass no judgement. Who am I to do that? You are my sister, belive it or not, and we both know the excruciating pain of dealing with Ocwen on daily basis, weeks after wek, month after month, year after year. My heart goes out to you, my hand feels warm for you.

I undertand your position. My physical health is also being affected by Ocwen Monster; but I am afraid my mind is one of those very srong ones that can take every calamity without seeking refuge in insanity (dementia is an escape or a way out, a defense mechanism or compensation).

I am still against too many class actions because I dont want Ocwen's tail. I want his head. Do you hear me Ocwen? I WANT YOUR HEAD!

I hate Ocwen's ability to hurt so may families, not only yours and mine. I WANT OCWEN OUT OF AMERICA FOR GOOD AND FOR EVER!

But we do wha we can do and its okay if whatever we do, we do it with a pure intention and an honest heart.

I desire you strenght, health, and the best lock.

Lauren,

I pass no judgement on you. I am also a single mother ( I have been single for ages, since my children were 2 and 3). I never remarried out of no time, the need to support my children alone, and other problems related to my diborce.

Now, I am older and also take care of my almost 80 years old mother, who needs me close to her. I am the only one who takes care of her. She is ill and depresed but also, thanks God, very optimistic and sweet- it sounds like a contradiction, I know, but she cryes often I don't hear her singing around.

I realize that you got to do what you got to do. All os us are individuals and some of us can do things others can't and viceversa. So, I pass no judgement. Who am I to do that? You are my sister, belive it or not, and we both know the excruciating pain of dealing with Ocwen on daily basis, weeks after wek, month after month, year after year. My heart goes out to you, my hand feels warm for you.

I undertand your position. My physical health is also being affected by Ocwen Monster; but I am afraid my mind is one of those very srong ones that can take every calamity without seeking refuge in insanity (dementia is an escape or a way out, a defense mechanism or compensation).

I am still against too many class actions because I dont want Ocwen's tail. I want his head. Do you hear me Ocwen? I WANT YOUR HEAD!

I hate Ocwen's ability to hurt so may families, not only yours and mine. I WANT OCWEN OUT OF AMERICA FOR GOOD AND FOR EVER!

But we do wha we can do and its okay if whatever we do, we do it with a pure intention and an honest heart.

I desire you strenght, health, and the best lock.

Lauren,

I pass no judgement on you. I am also a single mother ( I have been single for ages, since my children were 2 and 3). I never remarried out of no time, the need to support my children alone, and other problems related to my diborce.

Now, I am older and also take care of my almost 80 years old mother, who needs me close to her. I am the only one who takes care of her. She is ill and depresed but also, thanks God, very optimistic and sweet- it sounds like a contradiction, I know, but she cryes often I don't hear her singing around.

I realize that you got to do what you got to do. All os us are individuals and some of us can do things others can't and viceversa. So, I pass no judgement. Who am I to do that? You are my sister, belive it or not, and we both know the excruciating pain of dealing with Ocwen on daily basis, weeks after wek, month after month, year after year. My heart goes out to you, my hand feels warm for you.

I undertand your position. My physical health is also being affected by Ocwen Monster; but I am afraid my mind is one of those very srong ones that can take every calamity without seeking refuge in insanity (dementia is an escape or a way out, a defense mechanism or compensation).

I am still against too many class actions because I dont want Ocwen's tail. I want his head. Do you hear me Ocwen? I WANT YOUR HEAD!

I hate Ocwen's ability to hurt so may families, not only yours and mine. I WANT OCWEN OUT OF AMERICA FOR GOOD AND FOR EVER!

But we do wha we can do and its okay if whatever we do, we do it with a pure intention and an honest heart.

I desire you strenght, health, and the best lock.

I opened the new Class Action in Nevada because I could find not find anyone who was taking Nevada cases. We have an attorney who will be working in conjunction with the attorneys who already have cases filed. This in no way watera down the current power of the other Classs Action(s).

I found no one willing to take on the Nevada Homeowners Cases until now we are officially our own Class Action. I am Not Uneducated nor am I an idle undammaged individual in this Ocwen mess. Don't judge what you do not know...I have suffered enough as a disabled single mother by this company.

Paying a prepayment penalty to escape an abusive Lender/Servicer is nothing. Since we could get lower interests and better loan terms, the pre payment penalty pays itself alone after a few month into the new loan, away from criminal Ocwen.

I also have a prepayment penalty in my loan,and I would happily pay it to keep Ocwen very far and away from my life. BUT I WILL NOT REFINANCE! SORRY, OCWEN, I HAVE A BIGGER TEMPER TANTRUM IN MIND FOR YOU!

The problem is refinancing. Have you noticed Ocwen uses to punish the borrowers that want to go away? Plantation owners used to punish their black slaves each time they tried to escape. Ocwen does the same to the borrower who trys to refinance away from them.

Many will tell you that by law Ocwn can't behave the way it does. They are right: "By law" But since when ocwen follow the law? Tell this people to make a reality check, since "By fact", Ocwen exists via its evil wrongdoing.

Too often, the poor borrower, while refinancing, never receives the right pay off -IF it is sent- They are charged unexpected charges and fees, they listen to false promises from the "new rescuers" or bankers/brokers-that Ocwen likes to buy if possible. sometimes they end up being serviced by Ocwen - a clause preventing the appearance of Ocwen and/or pals would prevent it if success in refinancing is achieved.

Then the borrower, while refinancin, believing that this time he is getting the help of an honorable institution, just follows the indications of the new points added to Ocwen RICO circles, and end up without refinancing and with his credit absolutely destroyed -if Ocwen did not start that credit destruction process before. At this moment, refinancing it's imossible.

The buyer then is forced into those fraudulent plans Ocwen has in place like "forbearance' etc. and higher monthly payments and more misery, very often, he needs to file for bankrupcy to save his house.

At the end, these borrrowers are fated to foreclosure, because no company out there would want to refinance their loans since their credit history is destroyed. OCWEN IN THE MAKING OF ITS BORROWERS MISERY!

You might want to contact Acorn and there are other companies to help you escape predatory lending; but you better educate yourself before trying out because Ocwen is a devil and like such, behaves accordingly. Keep in mind this is a new subject and most lawyers know less than you about it.

A new class action may hurt the borrowers. There are too many against Ocwen. Too many class actions around gives Ocwen the power to ask the courts for one single one -that would work for its convenience and for added misery and victimization to the buyer, because they would try to choose the most "convenient" lawyers, court, and judge -remember they have a lot of money to buy souls.

If you want to try a legal avenue, I suggest an INDIVIDUAL legal action based on RICO (with this you just have to documen your misery due to Ocwen, and it's a piece of cake compared to other kinds:) Ocwen can not prove that it did not make you suffer.

Check you credit history with the main bureaus (smell Ocwen's pals). If your have been misreported to the bureaus file a complaint with the FTC on line, get a police report, and fight with the already disgracedd credit agencies to clean your credit history before you try refinancing with one of the few companies willing and ABLE to help you.

A bad credit score will not give you a better interest. Ocwen purpposely hurts borrowers credit to prevent their way out. Believe me, those b......s know their victims don't love them.

All Ocwen wants is your house.

Don't feel guilty because of the readings of your papers at the closing. Very often, what you read it's not what they file (my case and many others case). If you are not a good reader, the Closing Agent has a moral and legal obligation, they call it a "fiduciary" relationship or duty, part of it is to HONESTLY READ WHATEVER IS WRITTEN TO YOU. So, they are the guilty ones! Never you! Your fault: trusting CRIMINALS POSING AS professionals.

What kind of the notion is this that the victim has to feel the guilt of the criminal? Wrong, wrong, wrong. You paid them good money to do their job in good faith. If it turned out differently...THEIR FAULT, NEVER YOURS!

Please, don't assume their guilt. It's their guilt, not yours!

However, it's understood we have to be extra careful with criminals. But what kind of a country is this if we can not belive the words of those supposed to follow the letter of the law? What kind of a society is ours that big criminals occupy hig positions in it?

Join the "Kweku Hanson v. Ocwen Federal Bank" class action, and if you feel apt to it, and because you are under foreclosure signs, file and INDIVIDUAL RICO action against Ocwen (Of course, you need your documentation).

Good Luck.

In 07/02 We decided to refi our home. we were at a 5% (approx) int rate and were told that if we did the refi we would be locked into an interest rate of 9.9% for 90 days and upon refinancing most fees would be waived. So My husband and i talked about and decided we would do it and take the cash out approx 12,000.00 and handle the $1400.00 monthly increase in our house pymt for only 3 months. So when the 3 months was over and we went to refi we found out that it was all false. Sure we could refi however they put on a $21,000.00 pre payment penalty and also found out that we were locked in to this loan for 3 years. so our house payment went from approx $1500 including taxes to $2531.00 not including our $400.00 month house taxes. I tried unsuccessfully contacting them in writing as well as by phone but who could understand them. They also would never allow you to speak with a "loan Sepecialist".

I know we are at fault for not reading before we signed all the paper work. We even found several mortgage companies willing to take us on however Ocwen would not remove the prepayement penalty nor even lower it. Which made it impossible to sell or refi.

So they began forclosure proceedings and we retained an attorney and filed a chapter 13. But we do not even qualify for that due to the fact that we do not make enough money to make our current house paymments let alone all the arrears.

We are now in the process of being relocated with my husbands company out of state and have the home currrently on the market. I plan on having my attorney try to call and speak with them and see about getting this pre payment penalty removed so we can sell it.. I would gladly join in on any class action lawsuit. Thank you very much.

I suggest you educate yourself about the inconveniences of too many class actions open against Ocwen. That's what Ocwen wants because it could take the power away from Mr. Kweku Hanson, OUR NATURAL LEADER.

You sound like some one with a fast solution. You certainly don't sound like some one who has been experiencing the slow, painful experience called OCWEN FEDERAL, OCWEN FINANCIAL, OCWEN COLLECTION AGENCY, and lately, OCWEN WANTABE ONE THOUSAND CLASS ACTIONS.

How is the sea tonight? Fresh fish? ..Or fresh computer viruses, and imminent foreclosures for the few that would email you?

A proud enemy of Ocwen until the very last minute of my life.