Consumer complaint received 2017-11-06
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PLEASE HELP! DESPERATE TO KEEP MY HOME!! I was working with XXXX XXXX XXXX a Division of XXXX XXXX XXXX to obtain a loan modification from XX/XX/XXXX to XX/XX/XXXX. I was given the modification from XXXX XXXX XXXX and the 1st payment was made everything seemed to be great. I then received information from a company that said my mortgage qualifies for additional help that could possibly pay off my entire mortgage as a result of my health problems that began XX/XX/XXXX but at the least it would pay my monthly payments however I had to be in default to qualify. On XX/XX/XXXX I spoke to XXXX from XXXX XXXX who advised me to visit the " Know Your Options ''  website I registered with the program & tried sending the required information to them but was repeatedly told I was still missing information. I contacted a representative with the " Save The Dream Program '' and was directed to " Homes On The Hill '' who were authorized agents for the " Save The Dream Program '' I attended a workshop that was required for the program and met with XXXX who was a counselor to the program and was able to submit the paperwork directly and he did so on XX/XX/XXXX. I was advised that as long as I was in the process of completing the program and a sale date for my home had not taken place we still had time to protect my home. I believed and was continually reassured by my new loan servicer " Ocwen '' that I was doing everything required to keep my home of 16 years. I spoke to Ocwen 's representative who continued to assure me that as long as I was completing the " Save The Dream Program '' my home would still be saved. On XX/XX/XXXX, I suffered a house fire that did over {$100000.00} worth of damage to my house. I contacted Ocwen to find out how to proceed they sent me a Loss Claim Packet that was dated XX/XX/XXXX and the fire did n't even occur until XX/XX/XXXX. I filled out the paperwork & sent back to them along with the check I had received & endorsed from XXXX XXXX for {$90000.00} payable to myself & Ocwen Loan Servicing. The entire time I was working with the " Loss Claims Department '' I was unaware of the judgement they were granted against me for {$64000.00}. I was repeatedly told foreclosure proceedings will remain on hold during the time of repairs and that I should continue repairing my house. Believing what I was being told by Ocwen representatives prior to receiving any money from the $ XXXX check I endorsed & sent to them I started repairs on my home with insurance proceeds in excess of {$20000.00} that I received for personal property that was in my home. If I was not being told by Ocwen foreclosure proceedings were on hold and would be resolved with the monies from the " hazard claim deposit '' at the completion of the repairs, I would 've taken the $ XXXX and paid the past due money on my mortgage.I have repaired my home to 98 % completion of over $ 100k worth of damages with only {$59000.00} being paid by Ocwen from the $ XXXX insurance deposit. I did not have an issue doing this because I wanted the arrearages of my mortgage. The way my situation stands right now is I have spent over $ 50k of my own money since the fire on XX/XX/XXXX to repair " MY '' home that Ocwen Loan Servicing purchased at a sheriff sale on XX/XX/XXXX for $ XXXX and were credited back {$41000.00} while still being in possession of {$30000.00} from my homeowners policy. Ocwen immediately transferred my home to XXXX XXXX  who is now taking me to court to evict me. Ocwen was granted a judgement in the amount of {$64000.00} and received a check endorsed by me in an amount over $ 90k if Ocwen was going to move forward with this at that time they could have retained their judgement amount and left me with a credit balance of {$25000.00}. Ocwen did not do this instead while telling me over & over everything would be corrected & the money would be applied from the hazard account to the past due balance and bring my home out of foreclosure they stole my home of over 16 years. When I received the 1st eviction notice and the paper stating my home had been sold I contacted Ocwen and they stopped the eviction & me having in good faith in what they " Ocwen '' said that they were rectifying their mistake & getting the money applied. I continued fixing my home. Approximately 6 months later several conversations with " specialized '' Ocwen representatives I received a 2nd eviction notice at which time I hired legal counsel who has been fighting this case with me since XX/XX/XXXX. I am now being told I do not have any legal grounds to fight for my home and that XXXX XXXX has every right to kick me out on the street and take possession of my house. XXXX XXXX received the house from Ocwen Loan Servicing at no  cost but has made me an offer to purchase my home back from them for over $ 90k. The appraisal value at the time of the sale was only $ XXXX. For the past 2 years I have been diagnosed XXXX   XXXX and XXXX as a result of not knowing from week to week if I will have a place to live, a home. I will include the paperwork of the invoices that shows the $ XXXX being deposited the 2 disbursements from XX/XX/XXXX and then the other $ XXXX just disappears and they " Ocwen '' become the owners of my property. I have also included the copy of the certified letter they sent me regarding the force placed insurance dated after the supposed sale. I have so much paperwork that proves the events I 've described. Please Help Me. I do not know where to go from here.

Company response to consumer: Closed with explanation