OCWEN dba HSBC predatory lender, loan modification, lack of communication, forced bankruptcy/foreclosure Orlando Florida

 My loan was sold to Ocwen by the mortgage company with whom I signed papers.

After being laid off from my job in 2009 I fell behind on mortage payments and tried contacting Ocwen about a loan modification. During the course of 13 months, I called them well over 300 times. MAYBE 4 times, someone in India/Pakistan answered or returned my call and could provide no information other than telling me I need to submit paperwork. I submitted requested paperwork, not once, not twice, but three times. Every time they received it and I tried to follow up with them, by the time I could reach them, they said all of the financial data was outdated. THROUGH NO FAULT OF MINE.

There were times I'd be on hold and the recording would say my wait time was over 1200 minutes! When If finally got through, all my calls were diverted to one extension in India. I could not press any other options or talk to anyone else if I wanted to.

During the 13 month process of trying to have my loan modified, I was harassed by lawyers, dragged to court three times. They would not suspend the action despite the loan mod in process. I had to hire a lawyer to fight it and learned that OCWEN could not produce an original note to do the foreclosure!

I was denied loan mods twice. Had to spent $1000 for a company to "broker" a deal with Ocwen to get a loan modification. The entire thing was resolved in a 15 minutes phone call... after 13 months of attempts on my part.

Worst customer service ever.

Once the deal was struck, they neglected to tell me they were adding $35k onto my $55k principal to my new loan balance would be $90k!!!

Long story short, I was forced into bankruptcy because of all this. I receive notices in the mail saying they are purchasing an overpriced homeowners insurance policy on my behalf. Technically I still own the house because they have not foreclosed on it.

It's been a horrible experience trying to work with them. I hope all those liars and their lawyers burn in hell.