Ocwen bought my mortgage from Litton in 2011. I am property-tax exempt thru the VA since 2009. At 3 different times I provided both their Escrow Dept. and their Tax Dept. a copy of the VA letter. Yet, in June 2012 I received an email from them stating that I am only exempt from the Township, not the County or School. When I called them, they told me they didn't send me a letter as they don't use email. Well, I still have it - and it's from them. I called the County Tax Collector who told me I owe nothing. So I called Ocwen to find out why they are not exempting me and I was specifically told "the VA is wrong; the Tax Collector is wrong - you owe these taxes." So I called the VA and one of their Legal Counsel sent a letter to Ocwen quoting the State law declaring me tax exempt and were told there was no reason not to accept it. Ocwen sent me a copy of their letter of response. In it was stated they have decided I am tax-exempt as of 2012. About a week later I called to ask why my escrow hadn't been adjusted and was told they didn't know I was tax-exempt so just paid my 2012 school taxes. Then not too long after that I received a form from Ocwen to fill out proving I paid the 2012 township taxes or they would pay them and charge me penalty and interest! Of course during these many months, they kept upping the amount I owe each month - the tax escrow and unknown "other" charges. The amount got to where I could no longer make the payments. Several times I tried to pay my actual mortgage due without the escrow and each time I got refused. Since the letter from them claiming I am now tax exempt, they are still charging me $407 per month escrow. Now they have also added thousands of dollars in attorney fees, filing fees, late fees, etc. About 2 weeks ago the Sheriff knocked on my door and handed me a Foreclosure Notice! In reading it I find they are charging me an additional amount each DAY for not paying this. The letter to the VA also claimed part of my escrow is for hazard insurance - which is a lie - I have ALWAYS had my own and paid it monthly and they have proof of it - it shows up on my on-line account with them.
They are also holding up getting my roof repaired from Hurricane Sandy. The homeowner's insurance co. sent them - by their "regulation" the check to pay the roofer. It's obvious they don't know anything about roofs - told us he can do the 1st 3rd of the work, then their inspector will check it - then they'll pay the 1st 3rd, same for the 2nd 3rd and final. He's trying to get them to understand it's a 2-3 day job! He was told "that's Ocwen's rule - he has to abide by it!" He said when he asked to talk with the supervisor he was told "No, no supervisor" and the person hung up on him! Today I received a partial payment to give to the roofer - approx. 1/7th of what the insurance co. sent them to pay the roofer. I let the insurance co. know and they don't understand it either.
I do not understand why Ocwen demands the taxes get paid - even if I did owe them. Aren't they supposed to put the escrow money in a separate account and not "touch it" for their own use? I don't understand why they don't want my roof to get fixed the right way - they have a financial interest in this house. Most of all, I do not understand how they are getting away with violating the State law? In reading all the other posts, I realize there are thousands and thousands of other going through nightmares with Ocwen, yet Ocwen is getting away with it. Why? Who is letting them?