Ocwen Federal Bank & Trust ripoff Orlando Florida

I was downsized in December and fell behind on my payments while waiting for unemployment. I had been trying to work something out with them via email in December because I lost my voice. They emailed me back stating they couldnt help via email. I hope there aren't any deaf Ocwen customers! If so, I hope they never have to correspond with Ocwen.
Below is an email I sent Ocwen today.

I find it extremely un-nerving that 2 payments I requested Ocwen to make one on 2-9-04 for $715.00 (only $15 was deducted from my bank account) and the other pre authorized charge of $565.25 scheduled to be taken from my bank account on 2-27-04 never happened. I received no phone calls, certified letters, process servers or regular mail stating any problems processing payment. But instead found stapled to my front porch on a column not by my front door (a door I don't even use) a photo copy of a legal foreclosure notice on my home.

I am instead further insulted by having additional fees levied on me that no one has provided me a detail of what the charges are due! What kind of idiot do you think I am??? I for sure thought within this agreement faxed over tonight you would provide a detail of charges outlining what they were for.

I've now looked into my checking account and found I have not paid Ocwen since 12-1-03. That makes me, including this month, 3 months past due and 1 month late. 4 payments total $1472. The late fees are ?...No one has told me the late fees. The attorney fees??? What might those be? Again, no one has covered those costs with me or in this Forbearance Agreement.

I've asked since last year to have any "Extras" removed from my account but no one at Ocwen would stop assessing these 3rd party charges to my account. Im sure they have added to my interest accrual and I don't believe I should be responsible for them now.

I really don't know what Im going to do. Ocwen has $1200 of my money right now and won't post a dime to my account. I now son't have enough money or time to hire an attorney. Forclosure is on 4/8/04.

W
Saginaw, Michigan
U.S.A.