Ronald
New London,#2Author of original report
Mon, November 16, 2009
It is now 7 months since I filed report #433930 on 03/23/2009. So much more has happened since that time, it would be impossible for me to cover it all now. It has been 16 months since I first crawled on my knees to Ocwen to try to get them to help me. When they say "Helping people is what we do", what they really mean is "Helping relieve people of their hard earned money in any way we can and still get away with it"! They have demanded my documents over and over. They have lost my document package nine times now. Every time I would turn it in they would say something else was missing. They don't return phone calls, faxes, letters, or even certified mail. They are Ocwen---They are invincible!!! They don't have to play by the rules and nobody holds them accountable. I have tried Hope Now, Ocwen's own modification attempt (which came back with a payment $500.00 higher than what I was already paying), an attorney based loan modification company, Pres. Obama's MHAP, short sale, regular sale, Deed-in-Lieu, letters to CNN, and right now, letters to as many congressmen as I can possibly reach. Ocwen is a sad excuse for a lender/servicer or whatever you choose to call them. What I choose to call them, I cannot state in this report or I would be banned. What can they possibly do to me now, take away my birthday? Isn't America and freedom of speech great?
I have now received my 2nd foreclosure notice a few days ago (Nov 2nd) . I know how they (Servicers/Lenders, MERS, Trustees,etc) do it now. I also know there are forgeries, backdating of assignments, fraudulent signatures with squiggle marks (so it is easy for anyone to sign at a later date), blank Assignment documents that can be filled in at a later date with any information or date they want to put in the blanks, and all the other little underhanded methods they use to defraud the homeowner. All of these were created by MERS (Mortgage Electronic Registration Systems, Inc.) to cloud the title and to conceal the true identity of the actual owners of the note and investors, as well as enable them to not have to record a transfer or assignment multiple times, each time a note was sold. It is all very clever, but Judges across the country are catching on to all this crap that went on in the subprime era, and they are starting to take action against these terrible methods, that the dishonest Lenders, Servicers,MERS officers, are using to defraud individuals with their mortgages. Talk about irresponsible borrowers? What about irresponsible Lenders? I almost forgot to mention Scott Anderson, Vice-President of MERS.(also works--or used to work for Ocwen) Most of you will find his squiggle mark on your Assignment of Deed of Trust documents when they foreclose on you, but you won't be able to read it. It was designed to be illegible, but on every document example I have seen, it is a different squiggle. They lie, cheat, and steal, and get away with it every day.
I have two attorneys diligently working on my case. We can NEVER give up! If you are being foreclosed on, DEMAND TO SEE THE ORIGINAL SIGNED NOTE!! There is a 50/50 chance they cannot find it and if they can't find it, they do not own it, and in many states they cannot foreclose!! Follow the chain of title if your loan has been sold multiple times. Their paperwork was so sloppy and when they bundled all these notes and sold them, the originals were simply misplaced, totally lost, thrown away, or they simply just can't find them! They thought they didn't need them, but in many states they do. The burden of proof is on the one that is foreclosing on you!
So, what I am saying is, if your case is in any way like mine, hire an attorney and PURSUE IT!!!!! Don't let them get away with taking your home! I may not win, but they will know they have been in a fight.
Joe W.
Callahan,#3Consumer Comment
Sat, April 11, 2009
I have suffered similarly with Ocwen as you...although our stories are a bit different. I know now to start checking the newspaper in Orlando. Thank goodness for the internet. If you read our report we have discussed different things but have suffered through far more than we put in the report. I am sure that others have done the same. Let's see if the United States Government will really help out the people. President Obama, Senator of Florida (or your state), House of Representatives, Banking and Finance, IRS - someone has to be able to help the US Citizens and voters. This is just wrong.