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Report: #331612

Complaint Review: OCWEN BANK - Orlando Florida

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  • Reported By: Pasdena Maryland
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  • OCWEN BANK Orlando Fl. Orlando, Florida U.S.A.

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Hi, My name is Janet Purdy, at 7866 Mansion House Crossing, Pasadena, Md. 21122, 410-437-5275 fell free to call me. Please read the whole story. I need HELP.
Ocwen Bank has stopped every action for me to save home they used a trustee that came after me like it was personal. And since the buyers bought my home two times at auction the first time for 235.000.00 and the second time for 191.000 I am thinking Bierman,geesing, & ward the trustee had deal with Dave & Sharon Wuest the buyer. My home is worth 352.000.00, I will be only getting about 20.000.00 which the trustee is going hold until July, my family and I will be homeless by evction in about two weeks. Do to me being disabled I do NOT have money to move and we have no where to go Maryland has NO help for use the selters have waiting lists. I am also a widow since 2005 and I gave Ocwen every cent I had my payments where not appiled to my correctly.

I am disabled; caring for her elderly mother with a heart problems moms 80 now and a special needs child and one child in school until June he's 15, all will suffer irreparable harm should this court allow Respondents to fraudulently move forward with their illegal eviction.

This is only a small part of what happened to me there is much more to my story.And why is it the opening bid opened for less and less money?
I

Loan documents signed May5,2007 for refinance of my home with 1st Metroplitan mortgage this could have saved the home, but the TRUSTEE, Bierman, Geesing and Ward REFUSED to take the money to pay off the loan and the home went up for auction on May 8,2008. Notice of pending auction received eight days before aution byJanet Purdy. At that time the house was appraisaed at 350.000.00. Auction took place May 8,2008 the opening bid was 263.000.00 and sold this sale was RATIFIED AND CONFIRMED a Motion was filed for unclean hands the sale was recinded because of payment disputes.

Loan documents where signed Sept.9,2007 my appraisal was done on Oct.1,2007 the home appraised at 352.000.00 payoff quote was faxed to SRI Mortgage on Oct.5,2007 from Ocwen. Some time in Oct.2007 my home was auctioned with an opening bid of 235.000.00 NO Notice was sent to me via by certified mail or first class mail on Oct.31,2007 Dave and Sharon Weust came to my home and handed me a one page note that they bought my home at the opening bid of 235.000.00 which was RATIFIED AND CONFIRMED my Motion for a Stay was not ruled on at that time. That auction was taken back, because of lack of service by the TRUSTEE, I was told my home was going to auction again in Jan,2008 it was on the auction list for Jan.,2008 at some point it was moved to Dec.28,2007.
Loan documents where signed again with another Motrgage broker a payoff was requested from Ocwen but it was never sent to my broker which stopped the process for my refinance. Again NO Notice was sent to me about another auction the opening bid was 191.000.00 this time I was NOT notified by Certified Mail or by Dave and Sharon Weust until after the house went to settlement taking away rights I had to file a Motion or fight for my home. Which would be a violation of my rights.

[In Violation of ]: The Fourteeth Amendment to the U.S.Constitution : "No State shall...Deprive any person of liberty, or property, without due process of law"

[Article 24 of the Maryland Declaration of Rights:] "[N]o man ought to be taken or imprisoned or disseized of his freehold, liberties or privileges, or outlawed,or exile, or in any manner,destroyed, or deprived of his life, liberty or property, but by the judgment of his peers, or by the law of the land."

I do not no where to go or what to do. My mental state is so bad I can't think any more, I did appeal the eviction but I don't think that will help and I aiso appealed to the speacial court of appeals but I don't think that will work. So I just keep packing I do not where I will put my stuff and I know I will lose my pets that I LOVE every much. I know I have failed myself and my family, Life is just not worth living any more.

Thank You,

Janet
Pasdena, Maryland
U.S.A.

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This report was posted on Ripoff Report on 05/09/2008 10:12 AM and is a permanent record located here: https://www.ripoffreport.com/reports/ocwen-bank/orlando-florida/ocwen-bank-stool-my-home-orlando-florida-331612. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#13 Author of original report

Ocwen Bank /After they take your home

AUTHOR: Janet - (U.S.A.)

POSTED: Friday, May 08, 2009

Since my illegal foreclosure I have been trying to get surplus money from the illegal sale of my home. My account remains open at Ocwen Bank to this day. And I was told by someone at Ocwen Bank that there is no surplus money that they where nice enough to wipe out some of what I owed. I was also told I had fees due to the foreclosure.I can not under stand how Ocwen Bank yet again can stick there hands in my pockets again to the toon off 68.000.00 in fees.
(((Redacted)))




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#12 Author of original report

RE: GET YOUR MONEY

AUTHOR: Janet - (U.S.A.)

POSTED: Saturday, April 18, 2009

I was told I will never get my money that I mite as well forget about. Trust I have no trust not for a lawyer any ways.

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#11 Consumer Comment

Wise up

AUTHOR: Diogenes - (U.S.A.)

POSTED: Wednesday, April 15, 2009

No attorney can "guarantee" a win in court. Anyone who says they can is lying just to get your money. You may indeed have a case. But don't trust anyone who says it's a " slam dunk ".

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#10 Consumer Comment

Wise up

AUTHOR: Diogenes - (U.S.A.)

POSTED: Wednesday, April 15, 2009

No attorney can "guarantee" a win in court. Anyone who says they can is lying just to get your money. You may indeed have a case. But don't trust anyone who says it's a " slam dunk ".

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#9 Consumer Comment

Wise up

AUTHOR: Diogenes - (U.S.A.)

POSTED: Wednesday, April 15, 2009

No attorney can "guarantee" a win in court. Anyone who says they can is lying just to get your money. You may indeed have a case. But don't trust anyone who says it's a " slam dunk ".

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#8 Consumer Comment

Wise up

AUTHOR: Diogenes - (U.S.A.)

POSTED: Wednesday, April 15, 2009

No attorney can "guarantee" a win in court. Anyone who says they can is lying just to get your money. You may indeed have a case. But don't trust anyone who says it's a " slam dunk ".

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#7 Author of original report

Ocwen Bank / I Want MyLife Back

AUTHOR: Janet - (U.S.A.)

POSTED: Wednesday, April 15, 2009

O.K. So since my last post I have had three Lawyers call me I was told I have a good case. I was told it's a slam dunk win. I was told my illegal foreclosure could be revoked. Only if "here it comes" I need to give them money down of the tune of 3,200.00, the next lawyer wanted 10,000.00, and the next one said he could get my house back for sure for 3,800.00 down. Now I would like to NO who's getting rich here? Who has that kind of money just laying around? Here's what I do not understand fraud is fraud and it is against the LAW, so we are victim's right why is it we have to pay anything up front. If I went out and killed someone I would get free Lawyer paid for by the STATE. How can I file anything in court if I do not no what to file? Now I live in the state of Maryland and I have been everywhere and I can't find help. Since I have a good case like so many others. Why can't I have a lawyer to go to court and get my life back.

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#6 Author of original report

Ocwen Stool my Home and I lost everything

AUTHOR: Janet - (U.S.A.)

POSTED: Sunday, March 15, 2009

MY STORY, WHY, HOW AND WHAT HAPPENED


I had a HOME, In the late 80's about 1989 I was going throw some old mail as many people do weeding out what you don't need and I found a statement that just did not seem right it was my mortgage statement so I called the mortgage company that I had at that time. Simple enough that's when life throws you a curve. So I continued to try to fix the problem with my account calling all the time copying papers and mailing them in to the company you would think if you have cancelled checks that would be enough but it's not. Each time I would get to a point where I thought my account would be fix, and my loan was sold and I would have to start over with a new loan company. Again with first calling than mailing or faxing. And the calling was bad enough because you could be on the phone for hours. One time I was so determinate I stayed on the phone on hold for three hours and then transferred and still got know where. As the years moved on and life went forward it continued to take up more and more of my time and my life. I did everything I could to fix what was wrong with my mortgage but the more I dug the more I found wrong and the mortgage company and /or serving company was not going to fix it. Know one cared how many cancelled checks I had and/or any other papers I had they where not going to fix my account. Of course as the years go by your account gets worse and worse. And the letters from the mortgage company that they will be taking your home become more and more and you become scared that you will lose your HOME. So you continue to fight even harder and you start looking for help.

Well let me tell you there is NO! Help. If you can't get it done on your own it will not happen. The people in government will not help you they will just pass you along until there is know where else to go for help. You can for get a lawyer because YOU do NOT have a right to one the criminals do, but you don't. If you do not have money, a lot of money you will not get help that's how things worked for me. I filed complaints everywhere you could think of and NO! Help. The facts of my case are as long and as twisted as a fictional story you read about in a book but its a true story. And there are many things that could have been done to fix it but it just was not done. My story is one of fraud, thief, crimes against the state laws and the county laws where I once lived, crimes against the laws of the land, as well as the Constitution of the United States, the bill of rights, personal property laws, tax fraud, falsifying records, defrauding the courts, legal abuse of the worse kind and I could go on but lets get to the rest of the story and the facts of my story.

After many years and many mortgage company's and/or servicing company's I ended up with Owen Bank I had know control over who serviced my loan. If given a choose I never would have chose Owen Bank. You call they hang up on, they will put you on hold if you do get someone to talk to they transfer you around until you are disconnected. And you than start over getting know where this will go on for days weeks and months. The more you try the worse it gets I copied all documents and sent them in and months later I got one sheet of paper back so than I had questions so you start calling again and it takes weeks to get a phone call back if you get one at all. Just to found out you need to send more papers to them. At the same time you are getting foreclosed on and you get scared and start doing everything they ask.

In my case I kept trying to work out the problem and I gave Owen Bank large amounts of money until I had no more money one payment was for 21,409.00 to caught up my illegal default that I know I did not owe but I was scared and I wanted to keep my home. That did not help Owen took my money and still took my home. At the time I had a refinance done and the trustee's office refused to take the money to pay off my home. When a mortgage company or servicer hires lawyer called a TRUSTEE it's like a pit bull with a bone that lawyer makes a lot of money and they will do what it takes to help steal your home that's my opinion.

In my case the trustee wrong doing very illegal, refusing to take money to refinance my to pay off my debt, no certified return receipt notice not once but twice, holding surplus proceeds for the last 15 months, no notice of sale after auction and possible collusion conspiracy with the bidders I guess some people are above the law. After my home was auctioned the first notice I got was a Writ of Possession I was Not notified by the bidders,the trustee, the court, the servicer or the mortgage company that my home was auctioned. The Writ gave me 30 days to move out of my home or go to court.

So I went to court when the court decided against me in this matter I appealed to the Court Special of Appeals the matter was stayed, while still on appeal I was evicted from my home along with my family that lived with me at the time, if that was not enough the bidders, David and Sharon Wuest that bought my home at the illegal auction took 3/4ths of everything that was in my home while the sheriff watched. On June 10,2008 midday the Sheriff came and severed an eviction notice for June 17,2008 at 10:00 am. He was early and did not look to see if the job could be completed in one to two hours as noted on the Sheriff's Anne Arundel County web page as the sheriff's functions on evictions. David and Sharon Wuest did not hire to enough movers to do the job and complete it, in the time frame it should have been done in as out lined on the sheriff's web site and know care was taken to remove personal property china was thrown in bags and broken on purpose things where kicked down the front steps, by some of the movers or just never came out of the house, dumpsters where brought in and what the bidders or the movers did not want was put in the trash, one dumpster was placed in the driveway on private property where I was not aloud to go.

Six days was not enough time for me to move my property by myself as my son was gone the weekends, I am a disabled widow my mother was 80 years old at time and I have a minor child in the home. With a 26 foot truck in front of the house that was being loaded when the sheriff came I would think I would have the right to get my personally property. I asked David Wuest for 24 hours and was told NO!!! There was no good reason why I should not have been allowed to remove my personal property as the legally law allows. We were told the moving truck had to be move so they could bring in another dumpster as well as my pickup truck also had to move giving use no choose but to leave while my property was trashed or stolen. The sheriff did not seem to care who did what and let them violate all my rights which the sheriff should have been there to up hold the law just as a officer of the court and/or county.

I am a victim of fraud, thief and the system did not work in my case I had no protection at all, I was violated on a personal and a mental level. If the sheriff can not do his job in the manner of the law he should be removed from his post. The Sheriff wrong doing was he just watch as they broke,stole,trashed just about everything I had. The bidders David and Sharon Wuest should go to jail for there crimes of thief over hundred dollars, malicious destruction of private property,violation of landlord tenant laws, possible collusion and conspiracy with the trustee.
That was the day myself and my family became homeless with no money and three quarters of everything we own gone we will never forget that day as long as we live. To this day still some what homeless living in a campground we have moved up in the world from living out of my truck and sleeping in tents to a camper. And the home that was stolen from me is still empty just sitting there. The trustee still has the surplus money from the illegal auction and myself and my family are still some what homeless living some where in the U.S.A. To this day I still have all documentation, cancelled checks and ALL files that I had to prove my case I kept everything.

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#5 Author of original report

Ocwen Stool my Home and I lost everything

AUTHOR: Janet - (U.S.A.)

POSTED: Sunday, March 15, 2009

MY STORY, WHY, HOW AND WHAT HAPPENED


I had a HOME, In the late 80's about 1989 I was going throw some old mail as many people do weeding out what you don't need and I found a statement that just did not seem right it was my mortgage statement so I called the mortgage company that I had at that time. Simple enough that's when life throws you a curve. So I continued to try to fix the problem with my account calling all the time copying papers and mailing them in to the company you would think if you have cancelled checks that would be enough but it's not. Each time I would get to a point where I thought my account would be fix, and my loan was sold and I would have to start over with a new loan company. Again with first calling than mailing or faxing. And the calling was bad enough because you could be on the phone for hours. One time I was so determinate I stayed on the phone on hold for three hours and then transferred and still got know where. As the years moved on and life went forward it continued to take up more and more of my time and my life. I did everything I could to fix what was wrong with my mortgage but the more I dug the more I found wrong and the mortgage company and /or serving company was not going to fix it. Know one cared how many cancelled checks I had and/or any other papers I had they where not going to fix my account. Of course as the years go by your account gets worse and worse. And the letters from the mortgage company that they will be taking your home become more and more and you become scared that you will lose your HOME. So you continue to fight even harder and you start looking for help.

Well let me tell you there is NO! Help. If you can't get it done on your own it will not happen. The people in government will not help you they will just pass you along until there is know where else to go for help. You can for get a lawyer because YOU do NOT have a right to one the criminals do, but you don't. If you do not have money, a lot of money you will not get help that's how things worked for me. I filed complaints everywhere you could think of and NO! Help. The facts of my case are as long and as twisted as a fictional story you read about in a book but its a true story. And there are many things that could have been done to fix it but it just was not done. My story is one of fraud, thief, crimes against the state laws and the county laws where I once lived, crimes against the laws of the land, as well as the Constitution of the United States, the bill of rights, personal property laws, tax fraud, falsifying records, defrauding the courts, legal abuse of the worse kind and I could go on but lets get to the rest of the story and the facts of my story.

After many years and many mortgage company's and/or servicing company's I ended up with Owen Bank I had know control over who serviced my loan. If given a choose I never would have chose Owen Bank. You call they hang up on, they will put you on hold if you do get someone to talk to they transfer you around until you are disconnected. And you than start over getting know where this will go on for days weeks and months. The more you try the worse it gets I copied all documents and sent them in and months later I got one sheet of paper back so than I had questions so you start calling again and it takes weeks to get a phone call back if you get one at all. Just to found out you need to send more papers to them. At the same time you are getting foreclosed on and you get scared and start doing everything they ask.

In my case I kept trying to work out the problem and I gave Owen Bank large amounts of money until I had no more money one payment was for 21,409.00 to caught up my illegal default that I know I did not owe but I was scared and I wanted to keep my home. That did not help Owen took my money and still took my home. At the time I had a refinance done and the trustee's office refused to take the money to pay off my home. When a mortgage company or servicer hires lawyer called a TRUSTEE it's like a pit bull with a bone that lawyer makes a lot of money and they will do what it takes to help steal your home that's my opinion.

In my case the trustee wrong doing very illegal, refusing to take money to refinance my to pay off my debt, no certified return receipt notice not once but twice, holding surplus proceeds for the last 15 months, no notice of sale after auction and possible collusion conspiracy with the bidders I guess some people are above the law. After my home was auctioned the first notice I got was a Writ of Possession I was Not notified by the bidders,the trustee, the court, the servicer or the mortgage company that my home was auctioned. The Writ gave me 30 days to move out of my home or go to court.

So I went to court when the court decided against me in this matter I appealed to the Court Special of Appeals the matter was stayed, while still on appeal I was evicted from my home along with my family that lived with me at the time, if that was not enough the bidders, David and Sharon Wuest that bought my home at the illegal auction took 3/4ths of everything that was in my home while the sheriff watched. On June 10,2008 midday the Sheriff came and severed an eviction notice for June 17,2008 at 10:00 am. He was early and did not look to see if the job could be completed in one to two hours as noted on the Sheriff's Anne Arundel County web page as the sheriff's functions on evictions. David and Sharon Wuest did not hire to enough movers to do the job and complete it, in the time frame it should have been done in as out lined on the sheriff's web site and know care was taken to remove personal property china was thrown in bags and broken on purpose things where kicked down the front steps, by some of the movers or just never came out of the house, dumpsters where brought in and what the bidders or the movers did not want was put in the trash, one dumpster was placed in the driveway on private property where I was not aloud to go.

Six days was not enough time for me to move my property by myself as my son was gone the weekends, I am a disabled widow my mother was 80 years old at time and I have a minor child in the home. With a 26 foot truck in front of the house that was being loaded when the sheriff came I would think I would have the right to get my personally property. I asked David Wuest for 24 hours and was told NO!!! There was no good reason why I should not have been allowed to remove my personal property as the legally law allows. We were told the moving truck had to be move so they could bring in another dumpster as well as my pickup truck also had to move giving use no choose but to leave while my property was trashed or stolen. The sheriff did not seem to care who did what and let them violate all my rights which the sheriff should have been there to up hold the law just as a officer of the court and/or county.

I am a victim of fraud, thief and the system did not work in my case I had no protection at all, I was violated on a personal and a mental level. If the sheriff can not do his job in the manner of the law he should be removed from his post. The Sheriff wrong doing was he just watch as they broke,stole,trashed just about everything I had. The bidders David and Sharon Wuest should go to jail for there crimes of thief over hundred dollars, malicious destruction of private property,violation of landlord tenant laws, possible collusion and conspiracy with the trustee.
That was the day myself and my family became homeless with no money and three quarters of everything we own gone we will never forget that day as long as we live. To this day still some what homeless living in a campground we have moved up in the world from living out of my truck and sleeping in tents to a camper. And the home that was stolen from me is still empty just sitting there. The trustee still has the surplus money from the illegal auction and myself and my family are still some what homeless living some where in the U.S.A. To this day I still have all documentation, cancelled checks and ALL files that I had to prove my case I kept everything.

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#4 Author of original report

Ocwen Stool my Home and I lost everything

AUTHOR: Janet - (U.S.A.)

POSTED: Sunday, March 15, 2009

MY STORY, WHY, HOW AND WHAT HAPPENED


I had a HOME, In the late 80's about 1989 I was going throw some old mail as many people do weeding out what you don't need and I found a statement that just did not seem right it was my mortgage statement so I called the mortgage company that I had at that time. Simple enough that's when life throws you a curve. So I continued to try to fix the problem with my account calling all the time copying papers and mailing them in to the company you would think if you have cancelled checks that would be enough but it's not. Each time I would get to a point where I thought my account would be fix, and my loan was sold and I would have to start over with a new loan company. Again with first calling than mailing or faxing. And the calling was bad enough because you could be on the phone for hours. One time I was so determinate I stayed on the phone on hold for three hours and then transferred and still got know where. As the years moved on and life went forward it continued to take up more and more of my time and my life. I did everything I could to fix what was wrong with my mortgage but the more I dug the more I found wrong and the mortgage company and /or serving company was not going to fix it. Know one cared how many cancelled checks I had and/or any other papers I had they where not going to fix my account. Of course as the years go by your account gets worse and worse. And the letters from the mortgage company that they will be taking your home become more and more and you become scared that you will lose your HOME. So you continue to fight even harder and you start looking for help.

Well let me tell you there is NO! Help. If you can't get it done on your own it will not happen. The people in government will not help you they will just pass you along until there is know where else to go for help. You can for get a lawyer because YOU do NOT have a right to one the criminals do, but you don't. If you do not have money, a lot of money you will not get help that's how things worked for me. I filed complaints everywhere you could think of and NO! Help. The facts of my case are as long and as twisted as a fictional story you read about in a book but its a true story. And there are many things that could have been done to fix it but it just was not done. My story is one of fraud, thief, crimes against the state laws and the county laws where I once lived, crimes against the laws of the land, as well as the Constitution of the United States, the bill of rights, personal property laws, tax fraud, falsifying records, defrauding the courts, legal abuse of the worse kind and I could go on but lets get to the rest of the story and the facts of my story.

After many years and many mortgage company's and/or servicing company's I ended up with Owen Bank I had know control over who serviced my loan. If given a choose I never would have chose Owen Bank. You call they hang up on, they will put you on hold if you do get someone to talk to they transfer you around until you are disconnected. And you than start over getting know where this will go on for days weeks and months. The more you try the worse it gets I copied all documents and sent them in and months later I got one sheet of paper back so than I had questions so you start calling again and it takes weeks to get a phone call back if you get one at all. Just to found out you need to send more papers to them. At the same time you are getting foreclosed on and you get scared and start doing everything they ask.

In my case I kept trying to work out the problem and I gave Owen Bank large amounts of money until I had no more money one payment was for 21,409.00 to caught up my illegal default that I know I did not owe but I was scared and I wanted to keep my home. That did not help Owen took my money and still took my home. At the time I had a refinance done and the trustee's office refused to take the money to pay off my home. When a mortgage company or servicer hires lawyer called a TRUSTEE it's like a pit bull with a bone that lawyer makes a lot of money and they will do what it takes to help steal your home that's my opinion.

In my case the trustee wrong doing very illegal, refusing to take money to refinance my to pay off my debt, no certified return receipt notice not once but twice, holding surplus proceeds for the last 15 months, no notice of sale after auction and possible collusion conspiracy with the bidders I guess some people are above the law. After my home was auctioned the first notice I got was a Writ of Possession I was Not notified by the bidders,the trustee, the court, the servicer or the mortgage company that my home was auctioned. The Writ gave me 30 days to move out of my home or go to court.

So I went to court when the court decided against me in this matter I appealed to the Court Special of Appeals the matter was stayed, while still on appeal I was evicted from my home along with my family that lived with me at the time, if that was not enough the bidders, David and Sharon Wuest that bought my home at the illegal auction took 3/4ths of everything that was in my home while the sheriff watched. On June 10,2008 midday the Sheriff came and severed an eviction notice for June 17,2008 at 10:00 am. He was early and did not look to see if the job could be completed in one to two hours as noted on the Sheriff's Anne Arundel County web page as the sheriff's functions on evictions. David and Sharon Wuest did not hire to enough movers to do the job and complete it, in the time frame it should have been done in as out lined on the sheriff's web site and know care was taken to remove personal property china was thrown in bags and broken on purpose things where kicked down the front steps, by some of the movers or just never came out of the house, dumpsters where brought in and what the bidders or the movers did not want was put in the trash, one dumpster was placed in the driveway on private property where I was not aloud to go.

Six days was not enough time for me to move my property by myself as my son was gone the weekends, I am a disabled widow my mother was 80 years old at time and I have a minor child in the home. With a 26 foot truck in front of the house that was being loaded when the sheriff came I would think I would have the right to get my personally property. I asked David Wuest for 24 hours and was told NO!!! There was no good reason why I should not have been allowed to remove my personal property as the legally law allows. We were told the moving truck had to be move so they could bring in another dumpster as well as my pickup truck also had to move giving use no choose but to leave while my property was trashed or stolen. The sheriff did not seem to care who did what and let them violate all my rights which the sheriff should have been there to up hold the law just as a officer of the court and/or county.

I am a victim of fraud, thief and the system did not work in my case I had no protection at all, I was violated on a personal and a mental level. If the sheriff can not do his job in the manner of the law he should be removed from his post. The Sheriff wrong doing was he just watch as they broke,stole,trashed just about everything I had. The bidders David and Sharon Wuest should go to jail for there crimes of thief over hundred dollars, malicious destruction of private property,violation of landlord tenant laws, possible collusion and conspiracy with the trustee.
That was the day myself and my family became homeless with no money and three quarters of everything we own gone we will never forget that day as long as we live. To this day still some what homeless living in a campground we have moved up in the world from living out of my truck and sleeping in tents to a camper. And the home that was stolen from me is still empty just sitting there. The trustee still has the surplus money from the illegal auction and myself and my family are still some what homeless living some where in the U.S.A. To this day I still have all documentation, cancelled checks and ALL files that I had to prove my case I kept everything.

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#3 Author of original report

Ocwen Stool my Home and I lost everything

AUTHOR: Janet - (U.S.A.)

POSTED: Monday, January 26, 2009

FACTS OF FORECLOSURES

Case No. 02-C-06-119014
First foreclosure {12/17/06}

1.Publication in Maryland Gazette which covers my local area of circulation.
2. In Chapter 13
Second foreclosure {05/08/07}

1.Publication put in Maryland Gazette which covers my local area of circulation.

2. The Lawyers Office/Trustee, Bierman, Geesing & ward refused to take money to pay off loan from 1st Metropolitan Mortgage, House Auctioned 05/08/07 for 263.000 bought by Shryock Real Estate. The day of the auction the man that bought my home came right after the auction, I was given a one sheet paper telling me that he bought my home at auction.

3. The Petitioner was notified eight days before the auction by MAIL my co-signer was not served, I went to Civil Justice for help and I was told to file a set aside motion for unclean hands.

4. The Petitioner filed SET A SIDE MOTION and the Petitioner did forget CERTIFICATE OF SERVICE so the Petitioner sent another one, ONE day mail it took 5 days to get there.

5. Trustee/ Bierman, Gessing & Ward failed to provide evidence of recording the Deed of Appointment, appointing the plaintiff as the substitute trustee affidavit of Deed of Trustee Debt.

6. The sale was rescinded by lender because of proof of payments and disputes.

7.Ocwen Bank sent the Petitioner a payment time line of payments, Ocwen Bank did not respond to any messages I left over the phone to go over payment time line and the Petitioner could not get anyone on the phone to talk about this on going problem with her account.

Third foreclosure {10/30/07}

1.Publication put in Capital still in Anne Arundel County but not in my circulation area I could not have seen it or any one else I know in the news paper.

2.The Petitioner's home was auctioned on 10/30/07

3.On 10/31/07 David and Sharon Wuest came to the house with a one page note that said they bought the home at auction the Petitioner was never mailed a notice certified or first class mail.

4.The Petitioner found out later David and Sharon Wuest bought her home for 235.000 at auction 10/30/07.

5.The Petitioner called Legal Aid and Civil Justice.

6.Legal Aid and Civil Justice called Trustee/Howard Bierman and he was questioned about why he did NOT send a CERTIFIED FORCLOSURE NOTICE or notice by first class mail Janet Purdy/Dependent or my co-signer was not served, after they spook to Howard Bierman and told him he did not send the notices of foreclosure it was taken back from auction. Mr. Bierman would not return any of the Petitioner's calls.

7.Howard Bierman told Civil Justice and Legal aid the home would go to auction in January.

8.The Petitioner looked it up on Alex Copper@.com the auction web site it was set for I believe January9, 2008.

9.The Petitioner prepared a MOTION FOR A STAY, On the grounds of unclean hands of lender/servicer/trustee. And lack of evidence to support a foreclosure at all. this time CERTIFICATE OF SERVICE was included and it was submitted on time.

Fourth foreclosure {12/28/07}

1.Publication put in Capital still in Anne Arundle County but Ms. Purdy would have never seen it in that paper which does not circulation in her area, so she could not have seen the publication.

2.NO CERTIFIED FORECLOSURE NOTICE or notice by first class mail and my co-signer was not served at all.

3.The auction was pushed up from January and was sold at auction December 28, 2007 without any notices so Ms. Purdy was unaware of what was going on.

4.This time Ms. Purdy's home was auctioned and David and Sharon Wuest bought it again this time they only paid 191.000 at auction.

5.David and Sharon Wuest did not come to the house with a paper after the auction to tell Ms. Purdy that they bought her home at auction like they did the first time so Ms. Purdy was totally unaware of the auction.

6.David Wuest called Ms. Purdy AFTER the house went to settlement in March that's how she found out her home was sold again at auction and to the same people David and Sharon Wuest for less money this time, which makes Ms. Purdy think Howard Bierman and David and Sharon Wuest had sum kind of side deal going on.

7.Than Ms. Purdy was mailed a Show Cause Order for Judgement awarding possession of property court date was April 29,2008 at 9:00am.

8.On May5, 2008 a judgement awarding possession of property was ordered to be served on Ms. Purdy for eviction the notice was served on the May9, 2008 That she had to be moved out by May27, 2008 at 10:00 or the sheriff would be there with 12 man to put out in the street and everything in the house. Her court notice came on the May7, 2008. On May8, 2008 Ms. Purdy filed an appeal with the Circuit Court of Anne Arundel County and the Special Court of Appeals of Anne Arundel County of Maryland all hand delivered. And sent to the parties by first class mail.

9.On June 6,2008 this Honorable Court stayed this matter and entered the following statement into record:

10.As of June 4, 2008 I have oPer the Court of Special Appeals May 23, 2008 Order, Appellant's Emergency Ex Parte Request for a Permanent Restraining Order, Injunctive Relief, Dismissal of Foreclosure/Eviction and Request for Sanctions will be treated as a Motion to Stay. Please stay this matter until the Court of Special Appeals resolves this case. (Copies mailed to Janet Purdy, Attys Bierman, Simons and Neall). (underlined added)
11. Just two business days later, on Tuesday, June 10, 2008, and without notice from this Court, an Arundale County Sheriff came to Petitioner's residence and stated I told you not to fool with these people, and he would return on June 17, 2008 with a dozen men and dumpsters to throw Petitioner and her family out of her lawful residence. Petitioner is dumbfounded.
12.Earlier, on May 23, 2008, this court Ordered: Copy of Order from Court of Special Appeals delivered to sheriff to pull Writ of Possession.
13. A new writ of possession was neither obtained nor served. This raises a question as to the validity of the sheriff's statement.
14.Further, the court docket entry on May 23, 2008 states: entered on May 5, 2008 is STAYED pending further Order of this Court [the Court of Special Appeals]. It is further ORDERED that by 10:30 a.m. on 6/06/08, Appellees show cause in writing why Appellant's Motion for Stay should be denied, in whole or in part. Upon information and belief, Appellees have failed to comply with this Court's request.
15.The Petitioner only received one response which was from the buyers attorney after house was auctioned with no notice from the Trustee of the pending auction, and house went to settlement which you will see does not cover any areas I have listed above.
16.On June 17,2008 at about 9:00 am, The Sheriff did come to the home of the Petitioner and the Petitioner and her family where put out of her home unlawfully by the Sheriff.





CONCLUSION OF MOTION DENIED OF STAY OF EVICTION

On June 10,2008 midday the Sheriff came and severed an eviction notice for June 17,2008 at 10:00 am. He was early about 9:00am and did not look to see if the job could be completed in one to two hours as noted on the Sheriff's Anne Arundel County web page as the sheriff's functions on evictions. David and Sharon Wuest did not hire enough movers to do the job and complete it, in the time frame it should have been done in as out lined on the sheriff's web site and know care was taken to remove personal property, china was thrown in old dog food bags and broken on purpose things where kicked down the front steps by some of the movers. Some of the Petitioner,s personal property just never came out of the house one dumpster was placed in the driveway on private property where the Petitioner was not aloud to go. There for the Petitioner would like to seek out thief charges and damages for property lost, stolen and malices destruction of private property. Six days was not enough time for the Petitioner to move the personal property by her self as her son is gone on the weekends The Petitioner is disabled,her mother is 80 years old and she has a minor child in the home. With a 26 foot Uhaul truck in front of the house and her pickup truck that was being loaded when the sheriff came I would think the petitioner would have the right to get their personally property. The Petitioner asked David Wuest for 24 hours and was told NO!!! There was no good reason why petitioner could not have been allowed to remove the personal property as the legal law allows. The petitioner was removed from the back of her pickup truck and put in handcuffs by Anne Arundel County police and taken to the hospital for no good reason and was held against her will for about three to four hours at the time the police refused to give the Petitioner and/or her family any reason why they were doing this. After the Petitioner was removed about 10:30 am the sheriff told her family to move the truck so they could bring in another dumpster as well as the pickup truck had to be moved giving the petitioner and her family no choose but to leave while property was put in the trash and/or stolen. The sheriff did not seem to care who did what and let them violate all the rights of the petitioner and her family which the Sheriff should have been there to up hold the law just as an officer of the Court and/or Anne Arundel County. The petitioner would also be requesting the help of the ADA. For the petitioner and her family are victim's of thief and abuse of the system, which did not work in the petitioner's case, the Petitioner had no protection at all and was violated on a personal level. If the sheriff can not do his job in the manner of the law he should be removed from his post. I also demand access to all documents,names,addresses off people involved to validate my claim. As while as a full investigation by the court in to this matter.
1.David and Sharon Wuest Felt it was their right to bring in dumpsters and take what ever was still in the house throw, give, and/or steal what ever they felt the Petitioner should not have of her property.
2.The crew that was hired by David and Sharon Wuest Stole personal property and broke the Petitioner's possession's at their will when they felt like it there was know supervision by David and Sharon Wuest or the Sheriffs office as the whole ordeal was pretty funny to everyone but Petitioner and my family.
3.Thousands of dollars of medications and medical supplies, Guns, Bows and arrows, antique furniture, Tools, Large power tools, Unopened stock from the bedroom, TV's, VCR's, DVD Players, Direct TV system boxes, books, CD's, sheets, quits, blankets, pictures, every bit of food that was in the house, all bedroom furniture was chopped up and put in to the trash game systems and ect. of everything the Petitioner had in the home is gone.
4.Not one piece of the Petitioner's property was put to the nearest County road where the Petitioner would able the put it in to the 26 foot Uhaul truck that she was loading when the Sheriff show up early, some of the Petitioner's property never came out of that house.
5.The Petitioner was not even left with a bed for her eighty year old mother to sleep on. Everything that the Petitioner did get she had to BEG!! for and only got half of it, The Petitioner has her computers but know cords to hook them up all chargers are gone.
6.Less than 24 hours later David and Sharon Wuest started removing the dumpsters with the Petitioner's property in them and know one would tell the Petitioner where her property was going.
7.All of the Petitioner's documentation disappeared, birth certificates, death certificates, army discharge papers, marriage certificates, pass ports, her husbands wallet, her Twin sisters
wallet and all ID's social security cards, five generations of documentation for both sides of my family.
8.Bank statements, medical records, car titles, tax returns, all personal documentation, car Titles, ect.
9.It took weeks to move all of the Petitioner's things out of the house and the Petitioner was not aloud to go back in the house and get her and/or her family,s things, they even went through her clothes and decided for her and her family what clothes we could have and what we could not have.
10.The Petitioner had things in that house that where in the Petitioner's family for over hundred fifty years that was to go to her children and their children and so on. Some of the family documentation went back as far as the 1700'S and 1800'S. which was very personal to her family and historical by nature because the country that some of the documentation is from know longer exist.
11.Do to this illegal foreclosure the Petitioner has lost her home with 200,000.00 equity, The Petitioner has not yet been paid any surplus monies from the illegal sale off her home at lease 1,000,000.00 in personal property. Which does NOT include pain and suffering.

12.This has affected the Petitioner's health greatly in more ways than one as she and her family are still homeless wanting for someone to step up and do the right thing.
13.The trustee is still holding the Petitioner's surplus monies from the illegal sale of the Petitioner's family home.
14. At this time the home that was illegally foreclosed on is still vacant.

The merits of this case has never been tested in court which should have been done in the beginning as the law should demand. As pre the CONSITTUTION Of THE UNITED STATES set fourth by our government and the laws of the land.

LIST OF MISSING FACTS

1. WHO IS THE NOTE HOLDER/OWNER?

Well Fargo Bank, N.A. Successor by merger to Wells Fargo Minnesota, N.A. As trustee F/K/A Norwest Bank Minnesota, N.A., As Trustee for the registered holders of Home Equity Loan Asset-Backed Certificates, Series 2004-1 (MOVANT)

Fidelity Mortgage 681 Anderson Drive Bldg. #6 Suite 550 Pittsburgh, PA.15220

Fidelity Mortgage Inc. 1000 Woodbury Rd. Suite 300 Woodbury, Ny., 11797

Delta Funding Corp., 1000 Woodbury Rd. Woodbury, NY., 11797
Delta Financial No address given

(MERS) Mortgage Electronic Registration Systems Inc., 1595 Spring Hill Rd., Suite 310 Vienna, Virginia,22182

Ocwen Bank 12650 Ingenuity Drive, Orlando, FL., 32826

2. No Document was ever sent to me or co-signer explaining what I owe or how much I owe in the from of a filing complaint or what it would take to cure it.

3. No court notice/Trustee notice was sent to me or co-signer after it was docketed in court with in 2 days of docketed.

4. No notices or motions or other paper work was sent to me or my co-signer as they would have been if I had a lawyer I was kept totally in the dark as was my co-signer.

5. Not taking in to any consideration for the motions I wrote on my behalf to work out a debt I do not owe.

6. Addressing the illegal acts preformed in this case of foreclosure to steal my home and equity of 200.000.

7. Not taking in a account the illegal acts of the Trustee/Servicer/Lenders Violating my Constitutional Rights, Real Estate Laws and Maryland Declaration of Rights.

THE ISSUES THAT I NEED TO BE ADDRESS

Refusing to send me Proof of who the proper NOTE HOLDER/DEED HOLDER is, and chain of assignments and/or assignees to who has the right under my contract.

Entering on-time payments as late, to exact illegal and unauthorized fees.

Manipulating account records.

Falsely reporting a default to the credit bureaus when it is the servicer creating the default.

Refusing payments to guarantee default.

Holding payments in suspense to guarantee default.

Adding thousands of dollars in unearned legal fees to create a default.

Ignoring customer complaints and qualified written requests.

Arrogantly violating numerous laws and regulations.

Falsifying records.

Repeatedly committing fraud upon the courts by stating they are the Holder Owner of the Note-when in fact-They do not own the note.

Intentionally causing delays to run up legal fees.

Not adhering to the terms of the loan documents.

Creating additional false deficiencies through a variety of questionable practices.

Adding misc. fees to purposely create a deficiency with the borrower's next payment.

Not applying payments to principal and interest.

Refusing to cooperate with other lender's attempts to refinance and stop the illegal foreclosure.

Forced insurance three times as much as normal insurance at 1,000.00 a year and your

deductible is 1,000.00 pre claim.

Adding medical insurance on to your loan and financing it in to your loan making your payments higher with out your permission and refusing to tell you what it is making late fees higher, illegal defaults, interest on your loan becomes higher, making it look like a loan
when it's only a medical insurance plan that you did not opt. for.

Refusing to send me a full complaint of the illegal default for foreclosure which I should get when complaint is filed with the court with all debts to the lender, interest, {per. diem}, payments, lawyer fees, foreclosure fees and amount to cure illegal default ect.

No certified return receipt notice or first class mail sent with, time date and place of foreclosure was sent to defendant/Janet Purdy or Co-Signer.

Possible Collusion and Conspiracy between the bidder's David and Sharon Wuest and Trustee's/Servicer's on lowered fixed bidding at auction stealing the equity in my home which is about 200.000.00 two appraisals done one in 5/07 it came at 350,000.00, one in 10/07 it came in at 352,000.00.

Sale (1) 263.000 {Opening Bid} Shryock Real Estate 263,000.00 First Sale
Sale (2) 235.000 {Opening Bid} David and Sharon Wuest 28,000.00 Less than Sale (1)
Sale (3) 191.000 {Opening Bid} David and Sharon Wuest 72,000.00 Less than Sale (1)

Foreclosure Mills as in my case Bierman, Geesing &Ward making mistakes in foreclosures so fees collected by the attorney are higher than they should be.

After Foreclosure Bierman, Geesing, & Ward hold on to the proceeds and/or surplus from the sale of foreclosure for more than three months telling the defendant/Janet Purdy that the Court Audit is not finished and after it is Bierman, Geesing, & Ward need to hold the surplus/proceeds from the sale for 45 days after the Audit is done which will be sometime in July, 07 The sale was 12/28/07.

Because the Trustee's office refused to except the money for a refinance already in place, that could have stopped this illegal foreclosure/auction on 5/8/07 and it would not have wasted the time of the Circuit Courts and the Special Courts of Appeals on a illegal foreclosure/auction and it would have kept my family and myself who is disabled and widowed in our home.

My loss at the hands of this illegal foreclosure has caused great health and mental distress making my disability worse than it has ever been.

Bierman, Geesing & Ward get their legal fees and 5% of the total of the sale and if the sale is cancelled and put back up for foreclosure they get 2.5% more of the total sale on top of all the other charges.

A prepaid penalty fee was found in my settlement documents about a week ago as I was

reading over them, that I can pay my loan off early before the 30 mortgage which ends in 2034 if I pay it off sooner than 30 years, there is a prepaid penalty fee.

I borrowed 126,000.00 principal amount borrowed on the {OLD REPUBLIC NATIONAL TITLE INSURANCE COMPANY} has me borrowing 128,000.00 in principal.

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#2 Author of original report

Ocwen Bank Stool My Home Orlando Fl.

AUTHOR: Janet - (U.S.A.)

POSTED: Tuesday, May 13, 2008

Well I filed a appeal in Ciruit Court and Special Court of Appeals but I still got my evction notice today. If the Judge does not give me a STAY than my family and I will be homeless by May27,2008. Not much to pack a house I have lived in since 1983. I was told by the sheriff my stuff would be put out to the curb and my animals will be taken. And he would be bring 12 guys to throw my things out in the street. With no money and no where to go I just don't know what to do. Know HELP anywhere Janet Purdy Pasadena, Maryland.

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#1 Consumer Comment

Get Help Soon!

AUTHOR: Lesa - (U.S.A.)

POSTED: Friday, May 09, 2008

I am also a victim of Ocwen's crooked nonsense and they need to be stopped. I have found so much help and information on the website of www.loansafe.org. The helpful advisors can assist you with information on what to do and will advise you if you need to seek legal counsel. Do not waste any time and get in touch with these people as soon as possible as Ocwen is ruthless and has no regard for the homeowner. They are powered by greed throughout the entire company and Ocwen needs to be held accountable for all of their fraud and scams. Do not let them beat you down--arm yourself with information and courage and fight them back. Loansafe advisors will give you moral support as well as advice on your situation and just talking to them will make you feel better. Hang in there and good luck.

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