Complaint Review: Ocwen - West Plam Beach Florida

Marlene, Thank you for outlining your experience with the OTS. I know that it was a time-consuming post and I appreciate your effort. I am very concerned about this new form of an American Mafia that operates with a license to steal from a Government agency. This type of practice seems to be spreading to more and more of these mortgage servicing companies every day. (How dare they even have reference to "service" in their name; they do not know the meaning of the word!) I object, as an American citizen, that my tax money is used to pay the salaries of OTS employees who seem to have no interest in helping folks as their office dictates. (My next Ripoff Report may concern this agency directly; waiting on correspondence to be answered (slow)to see what these folks have to say for themselves.) A lot of the confusion seems to stem from quickly enacted legislation which overrode state's rights and put a lot of this oversight in the hands of the Feds. The reasoning behind this was to make it easier for companies that work across state lines to know the law, as it varies from state to state. That could be considered sound reasoning. Unfortunately, the Feds in their great haste to trample a few more state's rights, evidently allowed poorly written regulations to be put into place. The crooks immediately found the loopholes and exploited them. And have been exploiting them ever since! Bad, bad, wrong! It is a shame that all of you are having to go through this and someone needs to be held accountable. I intend to work in that direction as there is nothing I can do to help with the current case. About the only thing I can do at this point is try to see that my children (and yours) will never have to go through such a nightmare! Mr. K. Hanson, I must commend you for your work on behalf of a lot of suffering people. You have taken on a lot here. Heroes are everywhere and some of them do their work quietly in the background. You are a hero to all these people that you are trying to help. You are also doing a service for all Americans, most of whom will never know or realize, by trying to cut the head off the beast. I hope that you will continue to post the ongoing struggle and the outcomes of your efforts. I hope that you will find a way to suspend the funds long enough to let this company crumble to dust; perhaps it will culminate in a more honest change for all. To all Ocwen victims, I hope that all of you who are able will travel to the courtroom to support Mr. Hanson and his efforts. There is power in numbers! As for myself, I will be praying that God will grant wisdom to the judiciary involved to oust the wrongdoers! And I will pray that things like this will never be allowed to happen in America again! Good luck to all and Godspeed.

On April 10th, at 10:00 a.m. before federal district court Judge Droney, at 450 Main Street, Hartford, CT, arguments will occur on Ocwen Financial, Ocwen, Moss, Codilis and its lawyers' motions to dismiss the class action lawsuit on various grounds. Now, nobody panic. The battle for Baghdad has only just began, and the crooks who have pillaged with impunity for so long still expect some miraculous deliverance. NONE OF OCWEN FINANCIAL, OCWEN OR MOSS CODILIS WILL BE GOING ANYWHERE REAL FAST! My lawyer has given me a preview of his arguments and I am squealing with impish delight. If any Ocwen borrowers in the vicinity (New York/New England) wish to come to and see the battle for Basra, please feel free. The more bodies there are in court, the better the court will appreciate the seriousness with which we victims plan to prosecute the war criminals to the end. This is you chance to see "Jane" blush!

I have been helping my brother; single dad with 5 kids; correspond with kweku in the matter of the suit. He has our affidavit in the case; he has been informative and prompt and answered any question I've ask. This is for REAL; I also am a realtor and have herd many stories from other people about this "Company" My company has even listed some of these homes, I will not. I have personaly talked to Ocwen employees; most of whom seem to be on some serious heavy drugs; or skitso psycothic. Rude; lying; unbeleivable treatment to my brother and I. You can authorize anyone in writing to talk to Ocwen in reference to your account. TAPE THOSE CALLS !!!!!! I wish I had. I have seen his statements where the payment wasn't credited as paid. THINK ABOUT IT THIS WAY-WOULD WE WIN THIS WAR IF WE WEREN'T DOING IT "TOGETHER" It will take everyone who has delt with these*** ***** to beat them...LOOK at their website...they have 7-9 languages on it. They forclose on your home and flip (sell) it sometimes for much much more; CHECK THEM OUT...RESEARCH THE WEB.. You will be blown away...read articles with Ocwen in search. YOU MUST HELP US....WE MUST STAND TOGETHER..TO WIN THIS FIGHT....WHO KNOWS ? YOUR MORTGAGE MIGHT BE THE NEXT ONE THEY PURCHASE.....AND OCWEN HAS ALOT OF AFFILATED COMPANIES THAT HAVE DIFFERENT NAMES BUT THEY ARE OWNED BY OCWEN.....PLEASE YOU must at least spread the word...tell everyone you talk to about this tryant demon spon company. GOD BLESS YOU ALL !!!

TO BEAT THE BANK BY KEEPING THEM IN LITIGATION. 1ST, FILE CH. 13 BANKRUPCY.DO NOT USE LAWYER.IN THE BANKRUPCY,FILE ADVERSE ACTION [LAW SUIT] AGAINST THE BANK. USE OTHER CASES IN COURTS AS SAMPLES,JUST REPLACE YOU NAME WHERE [PLAINTIFF] IS.CHANGE IT A BIT TO MEET YOUR CIRCUMSTANCES. FILE A NOTICE OF REMOVAL IN THE STATE COURT [FORECLOSURE ACTION] TO THE BANKRUPCY COURT.NOW YOU HAVE [2] CASES YOU AGAINST THE BANK.ANY ACTION THE BANK TAKES [ANY] AFTER YOU FILE BANKRUPCY MEANS THEY ARE IN [CONTEMPT]. FILE A [MOTION FOR ORDER TO SHOW CAUSE] AGAINST THE BANK TO HOLD THEM IN CONTEMPT FOR VIOLATING THE AUTOMATIC STAY, 11 USC 362(a) AND 362(h).MAKE SURE YOU FILE A SEPERATE MOTION FOR CONTEMPT AGAINST ALL BILL COLLECTORS WHOSE NAME YOU REMEMBER, THE OWNER OF THEIR COMPANIES,THEIR WIFE AND GRANDMOTHER, AND ANYONE ELESE YOU HATE.NOW,GO TO AN ADJOINING JURISDICTION AND RENT SOMEONES CLOSET,AND USE THEIR ADDRESS AS YOUR SECOND ADDRESS. FILE A STATE COURT LAW SUIT AGAINST THE BANK [AND DON'T FORGET THEIR OWNERS, DIRECTORS, AFFILIATES, WIVES, DOGS AND GRANDMOTHERS]. SUE THEM IN THAT STATE COURT FOR 42 USC 1983 VIOLATIONS.USE FEDERAL SAMPLES BUT FILE IN [STATE COURT] WHICH HAS CONCURRENT JURISDICTION AS FEDERAL [MEANING PARRALLEL]. STATE LAW DOES NOT GRANT 11TH AMENDMENT IMMUNITY,FEDERAL DOES,SOMETIMES.SO FILE IN STATE COURT. [NOW],PICK OTHER JURISDICTIONS IN YOUR STATE AND DO THE SAME IN STATE COURT.SHUFFLE PLAINTIFFS AS [YOUR FRIENDS]AS [AFFECTED PARTIES]. THIS SHOULD EXTEND YOUR FORECLOSURE FOR 1-2 YEARS,UNLESS THEY SETTLE.IF YOU GET TO THE END AND LOST, IN ANY ELEMENT OF THIS, JUST GO BACK TO STEP [ONE] AND REPEAT,BUT CONTINUE THE OTHER CASES,UNIMPEDED UNTIL YOU LOSE [IF YOU DO] THEM. JUST KEEP PUMPIN OUT THOSE LAW SUITS,RAPID-FIRE STYLE.[NOW]TELL EVERYONE YOU KNOW TO DO THE SAME.IN TIME,THE BANK'S ATTORNEYS FEES WILL REACH ASTRONOMICAL LEVELS. THE BANK WILL FOLD,AND THE BANK'S LAWYERS WILL THANK YOU FOR THE MILLIONS IN FEES YOU HELPED THEM ACQUIRE. REMEMBER,YOUR FRIEND IS YOUR COMPUTER AND THE LAWSUITS YOU FILE.THE BANKS LAWYERS WILL PRETEND TO FIGHT YOU,BUT ONCE THEY GET THE HANG OF WHAT YOU ARE DOING,THEY WILL ALLOW YOU TO CONTINUE,SO AS THEY CAN MAKE LOTS A MONEY BECAUSE OF YOU .MOST WINS ARE BY [OVERWEALMING YOU OPONENT],NOT BECAUSE YOU PROVE THEM WRONG OR BECAUSE THEY FOUGHT IN COURT AND LOST. THEY GIVE UP WHEN THEY ARE EITHER FINANCIALLY SPENT,OR [PSYCHOLOGICALLY] EXHAUSTED. USING THIS TECHNIQUE,THE CHANCES THE BANK WILL EVER TASTE VICTORY OF YOUR DEFEAT IS SLIM TO NONE.THEY WILL EXPEND FAR MORE IN LEGAL FEES THAN THEY EVER [CLAIMED] TO HAVE LOANED YOU.[REMEMBER]LAWYERS ARE NOT ALLOWED TO DO THIS. SO,YOU HAVE TO DO IT YOURSELF. GIVE EM HELL AND NEVER SURRENDER WITHOUT THEIR HOUSE OR MONEY.

TO BEAT THE BANK BY KEEPING THEM IN LITIGATION. 1ST, FILE CH. 13 BANKRUPCY.DO NOT USE LAWYER.IN THE BANKRUPCY,FILE ADVERSE ACTION [LAW SUIT] AGAINST THE BANK. USE OTHER CASES IN COURTS AS SAMPLES,JUST REPLACE YOU NAME WHERE [PLAINTIFF] IS.CHANGE IT A BIT TO MEET YOUR CIRCUMSTANCES. FILE A NOTICE OF REMOVAL IN THE STATE COURT [FORECLOSURE ACTION] TO THE BANKRUPCY COURT.NOW YOU HAVE [2] CASES YOU AGAINST THE BANK.ANY ACTION THE BANK TAKES [ANY] AFTER YOU FILE BANKRUPCY MEANS THEY ARE IN [CONTEMPT]. FILE A [MOTION FOR ORDER TO SHOW CAUSE] AGAINST THE BANK TO HOLD THEM IN CONTEMPT FOR VIOLATING THE AUTOMATIC STAY, 11 USC 362(a) AND 362(h).MAKE SURE YOU FILE A SEPERATE MOTION FOR CONTEMPT AGAINST ALL BILL COLLECTORS WHOSE NAME YOU REMEMBER, THE OWNER OF THEIR COMPANIES,THEIR WIFE AND GRANDMOTHER, AND ANYONE ELESE YOU HATE.NOW,GO TO AN ADJOINING JURISDICTION AND RENT SOMEONES CLOSET,AND USE THEIR ADDRESS AS YOUR SECOND ADDRESS. FILE A STATE COURT LAW SUIT AGAINST THE BANK [AND DON'T FORGET THEIR OWNERS, DIRECTORS, AFFILIATES, WIVES, DOGS AND GRANDMOTHERS]. SUE THEM IN THAT STATE COURT FOR 42 USC 1983 VIOLATIONS.USE FEDERAL SAMPLES BUT FILE IN [STATE COURT] WHICH HAS CONCURRENT JURISDICTION AS FEDERAL [MEANING PARRALLEL]. STATE LAW DOES NOT GRANT 11TH AMENDMENT IMMUNITY,FEDERAL DOES,SOMETIMES.SO FILE IN STATE COURT. [NOW],PICK OTHER JURISDICTIONS IN YOUR STATE AND DO THE SAME IN STATE COURT.SHUFFLE PLAINTIFFS AS [YOUR FRIENDS]AS [AFFECTED PARTIES]. THIS SHOULD EXTEND YOUR FORECLOSURE FOR 1-2 YEARS,UNLESS THEY SETTLE.IF YOU GET TO THE END AND LOST, IN ANY ELEMENT OF THIS, JUST GO BACK TO STEP [ONE] AND REPEAT,BUT CONTINUE THE OTHER CASES,UNIMPEDED UNTIL YOU LOSE [IF YOU DO] THEM. JUST KEEP PUMPIN OUT THOSE LAW SUITS,RAPID-FIRE STYLE.[NOW]TELL EVERYONE YOU KNOW TO DO THE SAME.IN TIME,THE BANK'S ATTORNEYS FEES WILL REACH ASTRONOMICAL LEVELS. THE BANK WILL FOLD,AND THE BANK'S LAWYERS WILL THANK YOU FOR THE MILLIONS IN FEES YOU HELPED THEM ACQUIRE. REMEMBER,YOUR FRIEND IS YOUR COMPUTER AND THE LAWSUITS YOU FILE.THE BANKS LAWYERS WILL PRETEND TO FIGHT YOU,BUT ONCE THEY GET THE HANG OF WHAT YOU ARE DOING,THEY WILL ALLOW YOU TO CONTINUE,SO AS THEY CAN MAKE LOTS A MONEY BECAUSE OF YOU .MOST WINS ARE BY [OVERWEALMING YOU OPONENT],NOT BECAUSE YOU PROVE THEM WRONG OR BECAUSE THEY FOUGHT IN COURT AND LOST. THEY GIVE UP WHEN THEY ARE EITHER FINANCIALLY SPENT,OR [PSYCHOLOGICALLY] EXHAUSTED. USING THIS TECHNIQUE,THE CHANCES THE BANK WILL EVER TASTE VICTORY OF YOUR DEFEAT IS SLIM TO NONE.THEY WILL EXPEND FAR MORE IN LEGAL FEES THAN THEY EVER [CLAIMED] TO HAVE LOANED YOU.[REMEMBER]LAWYERS ARE NOT ALLOWED TO DO THIS. SO,YOU HAVE TO DO IT YOURSELF. GIVE EM HELL AND NEVER SURRENDER WITHOUT THEIR HOUSE OR MONEY.

TO BEAT THE BANK BY KEEPING THEM IN LITIGATION. 1ST, FILE CH. 13 BANKRUPCY.DO NOT USE LAWYER.IN THE BANKRUPCY,FILE ADVERSE ACTION [LAW SUIT] AGAINST THE BANK. USE OTHER CASES IN COURTS AS SAMPLES,JUST REPLACE YOU NAME WHERE [PLAINTIFF] IS.CHANGE IT A BIT TO MEET YOUR CIRCUMSTANCES. FILE A NOTICE OF REMOVAL IN THE STATE COURT [FORECLOSURE ACTION] TO THE BANKRUPCY COURT.NOW YOU HAVE [2] CASES YOU AGAINST THE BANK.ANY ACTION THE BANK TAKES [ANY] AFTER YOU FILE BANKRUPCY MEANS THEY ARE IN [CONTEMPT]. FILE A [MOTION FOR ORDER TO SHOW CAUSE] AGAINST THE BANK TO HOLD THEM IN CONTEMPT FOR VIOLATING THE AUTOMATIC STAY, 11 USC 362(a) AND 362(h).MAKE SURE YOU FILE A SEPERATE MOTION FOR CONTEMPT AGAINST ALL BILL COLLECTORS WHOSE NAME YOU REMEMBER, THE OWNER OF THEIR COMPANIES,THEIR WIFE AND GRANDMOTHER, AND ANYONE ELESE YOU HATE.NOW,GO TO AN ADJOINING JURISDICTION AND RENT SOMEONES CLOSET,AND USE THEIR ADDRESS AS YOUR SECOND ADDRESS. FILE A STATE COURT LAW SUIT AGAINST THE BANK [AND DON'T FORGET THEIR OWNERS, DIRECTORS, AFFILIATES, WIVES, DOGS AND GRANDMOTHERS]. SUE THEM IN THAT STATE COURT FOR 42 USC 1983 VIOLATIONS.USE FEDERAL SAMPLES BUT FILE IN [STATE COURT] WHICH HAS CONCURRENT JURISDICTION AS FEDERAL [MEANING PARRALLEL]. STATE LAW DOES NOT GRANT 11TH AMENDMENT IMMUNITY,FEDERAL DOES,SOMETIMES.SO FILE IN STATE COURT. [NOW],PICK OTHER JURISDICTIONS IN YOUR STATE AND DO THE SAME IN STATE COURT.SHUFFLE PLAINTIFFS AS [YOUR FRIENDS]AS [AFFECTED PARTIES]. THIS SHOULD EXTEND YOUR FORECLOSURE FOR 1-2 YEARS,UNLESS THEY SETTLE.IF YOU GET TO THE END AND LOST, IN ANY ELEMENT OF THIS, JUST GO BACK TO STEP [ONE] AND REPEAT,BUT CONTINUE THE OTHER CASES,UNIMPEDED UNTIL YOU LOSE [IF YOU DO] THEM. JUST KEEP PUMPIN OUT THOSE LAW SUITS,RAPID-FIRE STYLE.[NOW]TELL EVERYONE YOU KNOW TO DO THE SAME.IN TIME,THE BANK'S ATTORNEYS FEES WILL REACH ASTRONOMICAL LEVELS. THE BANK WILL FOLD,AND THE BANK'S LAWYERS WILL THANK YOU FOR THE MILLIONS IN FEES YOU HELPED THEM ACQUIRE. REMEMBER,YOUR FRIEND IS YOUR COMPUTER AND THE LAWSUITS YOU FILE.THE BANKS LAWYERS WILL PRETEND TO FIGHT YOU,BUT ONCE THEY GET THE HANG OF WHAT YOU ARE DOING,THEY WILL ALLOW YOU TO CONTINUE,SO AS THEY CAN MAKE LOTS A MONEY BECAUSE OF YOU .MOST WINS ARE BY [OVERWEALMING YOU OPONENT],NOT BECAUSE YOU PROVE THEM WRONG OR BECAUSE THEY FOUGHT IN COURT AND LOST. THEY GIVE UP WHEN THEY ARE EITHER FINANCIALLY SPENT,OR [PSYCHOLOGICALLY] EXHAUSTED. USING THIS TECHNIQUE,THE CHANCES THE BANK WILL EVER TASTE VICTORY OF YOUR DEFEAT IS SLIM TO NONE.THEY WILL EXPEND FAR MORE IN LEGAL FEES THAN THEY EVER [CLAIMED] TO HAVE LOANED YOU.[REMEMBER]LAWYERS ARE NOT ALLOWED TO DO THIS. SO,YOU HAVE TO DO IT YOURSELF. GIVE EM HELL AND NEVER SURRENDER WITHOUT THEIR HOUSE OR MONEY.

TO BEAT THE BANK BY KEEPING THEM IN LITIGATION. 1ST, FILE CH. 13 BANKRUPCY.DO NOT USE LAWYER.IN THE BANKRUPCY,FILE ADVERSE ACTION [LAW SUIT] AGAINST THE BANK. USE OTHER CASES IN COURTS AS SAMPLES,JUST REPLACE YOU NAME WHERE [PLAINTIFF] IS.CHANGE IT A BIT TO MEET YOUR CIRCUMSTANCES. FILE A NOTICE OF REMOVAL IN THE STATE COURT [FORECLOSURE ACTION] TO THE BANKRUPCY COURT.NOW YOU HAVE [2] CASES YOU AGAINST THE BANK.ANY ACTION THE BANK TAKES [ANY] AFTER YOU FILE BANKRUPCY MEANS THEY ARE IN [CONTEMPT]. FILE A [MOTION FOR ORDER TO SHOW CAUSE] AGAINST THE BANK TO HOLD THEM IN CONTEMPT FOR VIOLATING THE AUTOMATIC STAY, 11 USC 362(a) AND 362(h).MAKE SURE YOU FILE A SEPERATE MOTION FOR CONTEMPT AGAINST ALL BILL COLLECTORS WHOSE NAME YOU REMEMBER, THE OWNER OF THEIR COMPANIES,THEIR WIFE AND GRANDMOTHER, AND ANYONE ELESE YOU HATE.NOW,GO TO AN ADJOINING JURISDICTION AND RENT SOMEONES CLOSET,AND USE THEIR ADDRESS AS YOUR SECOND ADDRESS. FILE A STATE COURT LAW SUIT AGAINST THE BANK [AND DON'T FORGET THEIR OWNERS, DIRECTORS, AFFILIATES, WIVES, DOGS AND GRANDMOTHERS]. SUE THEM IN THAT STATE COURT FOR 42 USC 1983 VIOLATIONS.USE FEDERAL SAMPLES BUT FILE IN [STATE COURT] WHICH HAS CONCURRENT JURISDICTION AS FEDERAL [MEANING PARRALLEL]. STATE LAW DOES NOT GRANT 11TH AMENDMENT IMMUNITY,FEDERAL DOES,SOMETIMES.SO FILE IN STATE COURT. [NOW],PICK OTHER JURISDICTIONS IN YOUR STATE AND DO THE SAME IN STATE COURT.SHUFFLE PLAINTIFFS AS [YOUR FRIENDS]AS [AFFECTED PARTIES]. THIS SHOULD EXTEND YOUR FORECLOSURE FOR 1-2 YEARS,UNLESS THEY SETTLE.IF YOU GET TO THE END AND LOST, IN ANY ELEMENT OF THIS, JUST GO BACK TO STEP [ONE] AND REPEAT,BUT CONTINUE THE OTHER CASES,UNIMPEDED UNTIL YOU LOSE [IF YOU DO] THEM. JUST KEEP PUMPIN OUT THOSE LAW SUITS,RAPID-FIRE STYLE.[NOW]TELL EVERYONE YOU KNOW TO DO THE SAME.IN TIME,THE BANK'S ATTORNEYS FEES WILL REACH ASTRONOMICAL LEVELS. THE BANK WILL FOLD,AND THE BANK'S LAWYERS WILL THANK YOU FOR THE MILLIONS IN FEES YOU HELPED THEM ACQUIRE. REMEMBER,YOUR FRIEND IS YOUR COMPUTER AND THE LAWSUITS YOU FILE.THE BANKS LAWYERS WILL PRETEND TO FIGHT YOU,BUT ONCE THEY GET THE HANG OF WHAT YOU ARE DOING,THEY WILL ALLOW YOU TO CONTINUE,SO AS THEY CAN MAKE LOTS A MONEY BECAUSE OF YOU .MOST WINS ARE BY [OVERWEALMING YOU OPONENT],NOT BECAUSE YOU PROVE THEM WRONG OR BECAUSE THEY FOUGHT IN COURT AND LOST. THEY GIVE UP WHEN THEY ARE EITHER FINANCIALLY SPENT,OR [PSYCHOLOGICALLY] EXHAUSTED. USING THIS TECHNIQUE,THE CHANCES THE BANK WILL EVER TASTE VICTORY OF YOUR DEFEAT IS SLIM TO NONE.THEY WILL EXPEND FAR MORE IN LEGAL FEES THAN THEY EVER [CLAIMED] TO HAVE LOANED YOU.[REMEMBER]LAWYERS ARE NOT ALLOWED TO DO THIS. SO,YOU HAVE TO DO IT YOURSELF. GIVE EM HELL AND NEVER SURRENDER WITHOUT THEIR HOUSE OR MONEY.

To all of you, and specially to you, dear Robin: Regarding Payments: I already contacted Mr. Hanson, and it was difficult since he is very busy. I asked his permission to send him my May payments and the rest of them. My checks will be To the order of: Ocwen Federal Bank FSB, he instructed me, and he, of course, will not be able to cash it; but will deliver it to Ocwen for me. Any one can go to a legal firm and ask the lawyers there to mail the payments FOR THEM. The lawyer sending the payment will be kind of a withness if he doesn't mind, and many lawyers do that for people on regular basis. So,I have decided to put Mr Kweku Hanson in charge of my payments to Ocwen, because I trust him. As a victim, my level of trust is very delicate and low. We, Ocwen victims, have a very low level of trust, and that is understandable. Mr. Hanson is fighting for real against the monster. He is out there exposing himself all the time. He has MY TRUST, the trust of a woman who looks at the East every morning, to verify that the sun is appearing in its habitual place in the sky, just in case the sun forgets ... For all of you, my brothers and sisters in Ocwen Prison: Call Mr. Hanson or email him and ask him if sending your checks to him is OK. He is very busy; but he is the ONLY ONE fighting the ULTRA FIGHT for all of us. REGARDIN OTS" Robin, I read your posting before; but I was thinking of my many experiences with the OTS since the beginning of my ordel with Ocwen. I had noticed that Ocwen was not receiving my correspondence, and that I had to always pay them a fee to get my payments posted. I found out they overlook OCWEN. I called OTS to complaint and asked them why Ocwen had to collect a fee to get my payment, because my lender never told me that I had to pay a fee to pay them my mortgage. They told me that Ocwen has a "license to collect fees" , and that it had to be over the phone since they have another "license to transfer moneys". Days passed by, and I noticed that Ocwen liked to let my money resting in my checking account for a week or more. I wanted to pay myself "electronically" and I found out that Ocwen does not accept that kind of payment. It had to be their fee colecting system, or Western Union, or any other way so they collect their fees. I called OTS again to complaint, and they told me Ocwen also has the right to behave in this way. I told them that I had a right to place my check in an envelope and send it with a 37 cents stamp and forget about it, as I do with the rest of my accounts. Their answer: SILENCE. Weeks later, I called OTS again to complaint because Ocwen's correspondence has that footnote saying they are a Collection Agency. They told me that Ocwen operates an in house Collection Agency within their building and that they have the right to do it. I told them, this time, that I used to believe that companies can not do that to you if your payments are OK. OTS answer: SILENCE. I also told them that Ocwen's people never sign their letters and they use Regular Mail. Again, why not me? OTS's answer: SILENCE. Later on, I have been disputing Ocwen's incorrect reporting. They report that "Pays as Agreed"; but the DLA (day of las activity) in my account is the day of my first payment!....That implies that may be I agreed not to pay them anything on monthly basis. Chances are they have to honor with my hard earned money, the thieves of my home's equity. By not having recent payments on my mortgage my FICO goes down. Also, they made "regular inquiries" every two months about my credit. To add insult to aggravation, they made 2 HARD INQUIRIES within a week, in January, to lower my score even more. And they don't report to TransUnion to minimize my average score..They do everything they can to destroy my credit. I have called Ocwen more than 10 times, after the 10th time I just call them to let out my Latin Steam, because their reps negate evrything. They do not aknowledge formal request nor Certified or Express Mail correspondence. I disputed these erroneous thigs, using the normal channels, with all the bureaus, and I have abundance proof. In one of my many letters to the many Departments, (the only way you get Ocwen to do something "trivial" for you), The FL Attorney General referred my complaint to the OTS. The OTS sent me a letter in a very upset tone (upset with me, not with Ocwen) telling me that they had instructed Ocwen to send me a relation of my payments and a clarification of my original balance. In other words: they twisted everything to favor Ocwen. I have proof. I am also very upset because I found out a letter from all the Attorney Generals complimenting OTS for their work against Predatory Lending. HIPOCRITAS! I plan to send a letter to the OTS and with copies to all the General Attorneys and FTC, asking them to create a team within the credit agencies to offer some kind of workshop or seminars to teach Ocwen the basis of Credit Reporting. Of course, the FTC has to know that Ocwen is very ignorant about it and may be is willing to pay for this or monitor this. (I am going to make lemonade out of my lemon! I'll have so much fun!) I think that Ocwen's bigger problem is that they, everybody, including their Directors have problems with READING AND COMPREHENSION. Since I have noticed that they don't have any reading skill and no comprehension at all! A different team would be needed to teach Ocwen and the OTS proper English. For this, I gues I will need to write a letter to The Departmen of Education. Sorry, I can not volunteer my humble contribution in this act of generosity (I would help them for FREE, without charging my services). But,I never took English classes. I never went to to school to learn English. I learned it on my own, noticing that for any anglo word, there is always a latin equivalent (Freedom is anglo, Liberty is latin, etc. etc, ), and by living and working here, I learned to link the words. I have a lot of problems with what you call Grammar Ussage, but in general, my comprehension is good enough. At least, I understand and comprehend ordinary CHECKS, OCWEN DOES NOT. So, I will happily send my May payments to Mr. Hanson, and I will use a regular white envelope. What a pleasure! Happy am I as a bird! Well, let me correct myself, I'll use Certified Mail just in case Ocwen buys the US Post Office in Hartford, Co. You know, Ocwen does not receive the mail, and something fishy is happening in Orlando with their mail. So, Robin, I declare frankly and openly, that I don't care is Mr. Hanson gets more work because of this. He is there to help me. He is there to help us. You never reject the hand that comes to take you out of a pool when you can't swim! Ocwen, dear, How much I hate you! And Hating you is OK and feels good because the Good Lord says we have to hate Evil and I do! I do hate YOU, OCWEN EVIL! From now on, I am entrusting Mr. Hanson with my checks, because I want to... and because...... to put it in Ocwen's words...."I don't know why or what"....and "I am not allowed to tell you"....Ja, Ja! In case you don't like it... "I'll be looking into the matter" JA! Never afraid.

Dear Borthers and Sisters and Acquanitances and fellow Victims of Ocwen: For starters, let me say to you all that WHATEVER I CAN LAWFULLY DO that makes your life less miserable at Ocwen's hands, I am open to. Most of you have emailed me and many have follwed up with Affidavits and/or proof of how you have been defrauded in one way or another by Ocwen. IF ANYONE OF THEIR OWN FREE WILL OPTS TO SEND ME ANY CHECKS OR MONEY ORDERS PAYABLE TO "OCWEN," OR PAYABLE TO ME AND CLEARLY MARKED WITH THAT PERSON'S NAME AND LOAN NUMBER AND "OCWNE" IN THE MEMO SECTION, I SHALL TURN THEM OVER TO THE FEDERAL COURT, or with the court's permssion, put it im a Trust Account. In this matter of money I shall be beyond reproach. Secondly, all your precious documents have been turned over to my lawyer, who has been working with amazing commitment to fight against the many lawyers fighting to let Ocwen keep on doing business the way it has done to date. My lawyer has dispersed your records for security reasons, and even I do not know where all of them are stored; I only know two sites where these WMDs (Witnesses of Mortgage Debt satisfaction) are being kept. Yet, more important than my lawyer's incredible guts in fighting Ocwen on every front every week, is the FACT that the same God who delivered Jessica Lynch from Iraq [and you all heard her father say on TV that it was GOD who brought his daughter home alive when everyone else in her group of captives was killed] is the same God who can, and will deliver us. Yes, I am a lawyer, to be true, as those of you who have checked with Martindale.com or Westlaw.com or Lexis.com or typed in my name in google.com have discovered. But I know that lawyers did not create the Heavens and the Earth, and I believe that "except the Lord fight the battle, they labor in vain that fight it." I will not use this forum to proselyte, but simply to say to all of you who have put your faith in ME (a creature formed of dust, mere flesh and blood), that please better yet put your faith in the POWER outlet which I am plugged into: GOD. We are fighting againt "insurmountable odds." We are fighting an enemy used to winning unjustly. We are fighting an enemy who frequently floods my e-mailbox with viruses and porno and junk mail, to distract me from this legal fight. But the tide is turning. Ocwen is starting to lose in the state courts, and everyday, YOUR Affidavits continue to come in. The Red Sea has opened up, and WE are passing through . . . before it closes back over our pursuing enemies. Delta Funding paid up; 1st Assocaites paid up. Citicorp paid up. Household Finance paid up. Who the DEVIL does Ocwen think it is to escape God's judgment?????????????????? Kweku Hanson, [email protected]

Therese, What a great idea! Do not send your payments to Mr. Hanson, though, or it would bury him in paperwork and render him unable to function in other matters. He has other work to do. But, wouldn't it be great if it were possible to set up an "Ocwen Suspense Fund" or an "Ocwen Escrow Account"; everyone sends their payments to this "third-party" account first to be CORRECTLY posted as to date and amount, then the payments get forwarded to Ocwen. Ocwen needs a babysitter! I doubt this is feasible as it would require a great deal of time and money and would probably not be legal. It would undoubtedly require a court order to be done (there's an idea). Darn it!! What a great defense it would make for all of you. Marlene, You are right: two wrongs do not make a right. You certainly have a "right" and indeed an obligation to make your payments. No legal contract is a one-way street, though. When a lender agrees to loan you x amount of dollars to be repaid at x amount per month, you sign on the dotted line to agree to those terms. The lender agrees to accept said payments and credit them to your account in a correct and timely manner. Not to "lose" them for all time despite ample evidence that the payment has been both received and endorsed by the lender. Not to "hold" posting payments in order to create accounts in arrears. Not to post them to some off-the-wall account that they have created for their own benefit and the account holder's detriment. Ocwen has breached and is not operating in good faith according to the accounts on this site. They carry an obligation as well as their account holders and they are not meeting it! How can the original poster be in arrears when the payments are being made months in advance of the due date?? It is impossible, meaning that Ocwen is in breach of it's obligations as outlined above. Breach on their part will sometimes void the contract, but it has to be proven in court (again, slow). Somehow you seem to have read my comments concerning the OTS (Feds) as an endorsement of that entity. I will try to be more clear here. "The OTS acknowledged that there was a problem in 2000". Where have they been for three years? How many homes have been lost in the interim? My grandmother could have worked this out in that length of time and she is old and slow! "The Feds (OTS) treats this company like a cranky baby and panders to it". "Pander" means "to help someone achieve low desires, wants, or vices". (A pimp is a panderer, if that makes it any clearer.) This is in no way a plea for anyone to "respect" the OTS; respect is earned, not inherent, and they are not performing as their office dictates. By their inaction for at least three years, perhaps longer, they are enabling Ocwen to go ahead with it's misdeeds with impunity. In fact, it seems that the OTS regulations are the very insrument that Ocwen is using to get away with what they are doing! The OTS KNOWS this. They have had three years to change it and have failed. WHY? I am not your adversary, nor was I trying in any way to belittle your intelligence. I am just a concerned person. Even though I have no dealings with this company, I have a heart and am fully able to comprehend the pain suffered by every poster on this site. I live in a home, too, and am VERY fond of it. I could have been just as easily caught up in Ocwen if circumstances with my own mortgage had been different. I have an aversion to seeing good people out on the street after they have been stripped of all their assets and their creditworthiness in an illegal manner. Simple as that! Again, I am not the enemy, Ocwen is!

Dear Therese, I had not read your suggestion before and a very beloved friend told me about it. It is such an smart idea! Unfortunately, I already sent my payment for April. I usually tried to pay in advance to have time to solve the problems I always encounter with these criminals. It is a very intelligent idea. Since Mr. Hanson is a lawyer (the only one I know and trust in this matter) and I know I have the right to have legal representation I'll trust him for my May payments , and for the rest of all payments ahead. It's going to be extra work for him; but I'm convinced Kweku Hanson will love to be occupied with this task. I have spent a lot of money and a lot of time on the phone talking to those stupids representations. Ocwen is trying to desroy my credit by not reporting properly and I am sick and tired of arguing with these criminals that don't hear because they have no ears for us. Suddenly, I realize that I have the best lawyer of the world, free, brave, kindful, honest, brilliant Kweku Hanson. Let's all take advantage of this great man in CentCom planning our liberation and our safety. Mr. Hanson, please, if you read this, answer. What do you think of this? Is it OK with you? Therese, you are a genious!

Dear Robin, Not sending a dime to Ocwen can make it worse. How? Two wrongs don't make one right. By making them RIGHT we end up being WRONG and THIEVES (what they are), and we loose our civil rights and our dignity. Ocwen would love us to be as "subprime" as they need us to be to justify their despicable behavior. We borrowers, as human beings, can have problems as everybosy else; but we are not going to be that "inferior" kind of people Ocwen say they help out. Because it's just the opposite: they hurt us big time. After all, we wanted to pay our mortgage like everybody else. Don't we have that right? If we are not to keep our houses, we are going to keep our Integrity to all costs! They are the thieves, not us! They, Ocwen Federal Bank FSB, are the criminals, not us! And I may end up without a roof over my head; but I will always have a microphone to speak loudly and with my head up, cause our decency they will not take away from us. You can not go to a Real Estate broker and ask him to buy you Decency! Ocwen has no Decency and no Honor, and No Money to buy those things. And no, we don't love our homes. It is more than that, put yourself in our shoes. We need our homes, as we need air for breathing. We all need shelter. The love we all have for our home is kind of a very organic or genetic giant LOVE. (I don't know how to explain it any better) Think of yourself outhere in the middle of a parking lot with no place to go to, and you'll understand what kind of love we have for our homes. On the other hand, the OTS, in my humble opinion and simple/limited intelligence, is Ocwen Oriented, not Consumer Oriented. I have proof of that, and I am not going to elaborate on that right now because I have no time to enter all the details of my experience with the OTS. I have no respect for that institution. People from OTS may opine; but their actions are louder than their words. Period. Never afraid.

I agree that one way to get Ocwen to stop its messing around with all of us is to STOP making our monthly payments for April and May, 2003. If the hundreds of us inthis forum HALT our monthly payments, and instead send them in the form of money orders or certified checks payable to Ocwen but mailed with our cupons directly to the person who is the plaintiff in the class action lawsuit, Ocwen will take notice. My understanding is that Mr. Hanson is a lawyer. I have already entrusted him with my financial records and banking statements and other records, so I feel confident that he will not give the funds to Ocwen. If enough folk are brave enough to send their payments, Mr. Hanson can hold them in eskrowe and maybe this will show the court that we are willing to make payments but only if Ocwen will properly apply them to our loans. Please speak out and be heard if you plan to join this boycott of Ocwen for April and May. Therese

I have read so many stories about so many of you who have struggled so hard and so long only to lose your homes in the end. Many of you have sold all your remaining assets, borrowed from friends and family, borrowed from the bank in an attempt to save your home. Everyone loves their homes and these morgage servicing companies rely on that fact to intimidate you. Since these atrocious companies are already calling most of you several times a day and have already threatened foreclosure and ruined your credit, what could be lost by bowing up and never sending another dime?? Could it be any worse?? What more could they do to you? Many of you have already paid thousands of dollars in unjustified and unexplained fees and are not gaining on this at all. Think about this: how long do you think their high-powered lawyers would work for any of these sad-sack companies if they were not getting paid? How many of these phone harassers would work without a paycheck? How long can these companies operate if they have no money coming in? Three, four months? Six months? The lack of income would also prevent these leech-like companies from being able to buy up more loan portfolios and make some other poor soul's life a living hell! Once their greedy lawyers quit them, what will they do? Who will file and argue all their "faked foreclosures"? Call it a consumer rebellion or a boycott or whatever. If these companies get shut down by a massive consumer revolt, you can bet the Feds would wake up and finally check into what is going on. The OTS said in 2000 that it realized that there was a problem; does it take three years for their think tank to get it off the ground? Wake 'em up! I never thought in my life that I would recommend something like this to anyone. I have always been a believer in honoring my debts. The realization has come to me that SO DO YOU! There is ample testimony on this site that all of you have struggled mightily to fill these bottomless pit mortgage companies. These companies already treat you like deadbeats and cheats in spite of your efforts to satisfy them. They want your home and they will ultimately get it seems like. The law is no help(way too slow for most of you), the Feds treat this particular company like a cranky baby and pander to it. Many of you have already had your dignity and self-esteem stripped from you, as well as every dime you'll ever make. Ask yourselves: How much worse could it get?