Ocwen Misplacement of funds Internet

I filed Chapter 13 in 10/2006 at that time Saxon Mortgage was my lender, then in March 2012 when out of chapter 13 Ocwen bought my loan without my knowledge and every since then I have had a problem. My payment were made though the bankruptcy court to Saxon, before I could take over payments my account was reviewed and I was up to date. I made my March payment to Saxon and had been since November 2011 and made a payment every month, Ocwen took over my loan in April 2011 and I have been making payments to them every month. Now they are saying that I owe an additional 368.00 and they can't explain why I owe this money. It is funny to me that you make a house payment every month and you are still behind how does that happen especially when you are paying more than what your house payment is. I bought my house 8 yrs ago for 90,000 and according to the bankruptcy court I have paid 54,000 on my note but, according to Ocwen I still owe 87,000 on my house. I really don't know how that is even possible. I asked them about it and they said it was because of taxes and insurance really! They need to have a class action law suit against there company to show them they can't push around hard working people who are just trying to make a living. Is there anyone who can help?