Complaint Review: Ocwen Loan Servicing - Jacksonville Florida
- Ocwen Loan Servicing Jacksonville, Florida United States
- Category: Mortgage Companies
Ocwen Loan Servicing Bad advice every time I call. Can only speak to India and now I might lose my home. Jacksonville Florida
I was awarded my home in a divorce and had five years to remove my ex-husband from the loan. He did Quit Claimed the house to me years ago however I knew I had the five years looming over me. My ex-husband has threatened me for years he was going to make sure I would end up on the street and has been harassing me for years. I starting working with Ocwen from the beginning trying to find out ways to remove my ex-husband from the loan.
The first few years they told me my only option was to refinance. I could qualify for a refinance because of my single income, however, I was approved for a loan modification in the beginning phase of the divorce. The loan modification is at 2% fixed and my ex-husband refused to sign it on multiple occasions. His attorney at the time said he only would sign it if I were to drop the restraining order I had in place. The court eventually made him sign.
He expressed many times he would rather the home foreclose and put me and our children on the street. I have been reviewing this information with Ocwen for years. They finally told me I could assume the loan. I had been behind for a year when I had lost a job. They told me once I bring the loan current I could assume the loan. I did finally get the loan current however then they told me I needed to wait a year.
The final divorce decree gave me five years and that date will be the end of June. I have been paying for this home by myself for 10 years and have lived here for 20 years. I gave up all of my back child support and alimony, in turn, was awarded the home which at the time was upside down.
Every time I call Ocwen my call goes to India. They have provided me with incorrect information every time I call. I have a relationship manager that reads from a script when we speak. I have applied for a variety of programs they advised me to do... all for naught.
I was served by my ex-husband last week to force me to sell the home. I have nine more months before Ocwen will allow me to apply for the assumption. My ex-doesn't care because he wants me on the street. I once again called Ocwen and asked if there was anyone I could speak with in order to assume the loan before the year. I was on the phone for two hours on escalation number four and the man told me not to worry because I couldn't be forced to sell the house because Ocwen has a lien on it. I told him that is not correct and he argued with me trying to explain nothing that made sense. I told him that is what escrow is for... and he said what's escrow.
I have tried everything with them. There is equity in the home and if I didn't make the payments and they wanted to foreclose having my ex on the loan will do them no good. They would get their money. I tried to contact their corporate office and all of my messages went to their Ombudsman who I had already spoken to and got nowhere.
If I lose my home a one bedroom apartment costs more than my mortgage. I live in the San Francisco Bay Area. I am now going to court in early June and might be forced to sell my home.
If Ocwen provided me with the correct information from the beginning I wouldn't be in this position. I have tried everything and they are the absolute worst company I have ever seen. Important matters like your home shouldn't be responded to by people who know nothing about what they are saying.
Sorry for the long description, however, I am beyond scared. Are there real people working in their office in Florida because there is no way to reach anyone but India.
If anyone had a similar issue reach out to me. On the same note if anyone has advice I need some right now.
This report was posted on Ripoff Report on 05/25/2018 05:44 PM and is a permanent record located here: https://www.ripoffreport.com/reports/ocwen-loan-servicing/jacksonville-florida/ocwen-loan-servicing-bad-advice-every-time-i-call-can-only-speak-to-india-and-now-i-might-1444706. 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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