Complaint Review: Ocwen Loan Servicing

Ocwen claims they did not receive my Nov 2014 payment, and on Dec 10, 2014 had an appraiser taking photos of the front of my home.  December payment was returned to me!  Ocwen cancelled my forebearance due to non payment!  They will not reinstate!  I was told the only solution is to apply for a loan modification, short sale, or Deed In Lieu.  My husband & I are both unemployed, they will not reinstate the unemployment forebearance.  They keep sending us Deed In Lieu paperwork!  Ocwen wants my home now that there is 100K in equity.  

I have applied for a loan mod, and I have been denied, due to insufficient income.  It has been 4 months of going back & forth with them and now they send me a Loan Modification!  Part of Ocwen's letterhead says "WE CAN HELP!  WE CAN LOWER YOUR PAYMENT.......  well the Loan Modification is for an INCREASE of $700!!!   This is ridiculous!  If we can't make our payment, how are we going to make an increased payment?  They have made an impossible proposal, and they know it.  They are trying to take my home.  They are thieves.  

I have sent several letters to them asking for a copy of the "Agreement" for the forebearance.  They never acknowledge my request, they just say, you were approved for forebearance on xxxx date.   

I have never received an "Agreement" and had I known the forebearance would be cancelled I would have sent my payments Western Union instead of US MAIL.  

so Ocwen, I am not going to accept your "LOAN MODIFICATION" because you do not help, and you do not lower my payment to an affordable option.  For no reason but to cause me to fail, you increase the payment to unemployed customers.  

R I D I C U L O U S!