We also refinanced our home with Aegis Mortgage and went through a hardship which caused us to be late on our mortgage. Ocwen began calling and said they were a collection agency for Aegis and we needed to work with them. However, when I called Aegis, they stated they had no knowledge of Ocwen.
Soon, we started receiving information that Ocwen was our new mortgage holder. We made a move across the country and have this mortgage in MI and a rental payment at our new home. We fell behind and they started foreclosure. We could not reach any human, and would wait up to 2 hours to be placed with a person who told us he was working in India. After continued calls, we finally reached an American named Kimberly.
Kimberly worked with us to set up a restorative program, asked us when our paychecks came in, and then requested several thousand dollars the day BEFORE our paydate! We borrowed from a friend and then sent in the money.
Our problems now come from the following:
1. We received a notice we'd be getting back $1100 in an escrow overage. When the money was never received, and I called, we were then told an analysis of our account was $7000 NEGATIVE and they were raising our payment from $870 to $1100.
2. Our payments, made through Money Gram, never are enough and there are charges and fees that appear on our statement that we cannot get an explanation for and appear to keep mounting.
3. We were told by one rep that if they determine we send "extra money" it is not applied to fees, or charges, but they keep it in a suspension account! There was over $700 in this "account" by this person's estimate. A later phone call gave us a rep who denied any suspension account exists.
4. Now, without explanation, our payment is now listed at $1200 per month!
How does one get this type of problem resolved? Who can help?
Nora
Lansing, Michigan
U.S.A.