Consumer complaint received 2016-01-19
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen Loan Servicing is foreclosing on my home again on XXXX XXXX XXXX. I have summited applications for mortgage assistance since they finally gave me a loan manager on XXXX XXXX XXXX which was 6 months after they acquired my loan and answered my constant calls & letters. After sending information said to have not received, incorrect over and over and new case managers over & over. I receive a notice for foreclosure. I have been forced to file bankruptcy XXXX times this last year to stop sale. 
My mother & I have been in the house since XXXX, my daughter & husband with XXXX girls since XXXX XXXX. XXXX XXXX after my XXXX year old son had a sudden XXXX XXXX in XXXX XXXX while visiting I filed bankruptcy XXXX because I could n't pay full {$6000.00}. in arrears. In chapter XXXX my payments went from {$1200.00} to {$1900.00} by XXXX. Total paid to load servicer ( Homeward ) at the time of dismissal due to server not providing courts with documents for continual increases, was {$40000.00} + but I was now {$20000.00} + in arrears. 
I then went to hearings fore sale with substitute trustees off loan XXXX and XXXX and they did n't even know Ocwen had taken over loan. I was given time to get them to intake my application and as I said that was 6 months in XXXX XXXX. Constant speaking to people in XXXX and sent this, that etc. Boom sale date I filed chapter XXXX XXXX with payments now $ XXXX mo. I did 6 months then filed application with Ocwen again over & over. Again no trial no denial boom sale date. I filed again. XXXX XXXX, XXXX and with payments {$2700.00}. I then tried to obtain reverse mortgate but i need to be paying mortgae for a year. So I fixed my home and put on market. With my credit destroyed I was advised this would be best. 
3 weeks ago my other daughter moved in with her husband because in XXXX they had to leave their home from XXXX and she was diagnosed with XXXX that has put her hopefully temporary, in a XXXX. 
So I am sending my HAMP package again as advised by NC LEGAL AID and XXXX XXXX XXXX XXXX. 
I just do n't understand how with XXXX incomes and such efforts we have gone to to keep this home that there is not some government assistance program we have not qualified for. This is an interest only 5 % mortgage that was {$140000.00} that is now {$210000.00}? Payments were $ XXXX now {$1400.00}.?? I never have received any statements.. There is no reason Ocwen could not help find a program that even on trial bases would be to their advantage. 
Something is really strange here. 
I need to make normal payments and pay on principal as well.. I have tried everything and now again I 'm desperately wasting money to keep my home..because I want to stay in my home and pay Ocwen off in 18 months in full with a reverse mortgage. I have never been offered any trial payment plan or denial. 
This is a serious matter to take someone 's home that is trying and able to make normal payments and put XXXX familys out. 
I 've been running around trying to do what lawyers & advisers say. 
I believe that Ocwen along with XXXX XXXX XXXX think we are trying to get out of this. why else would they not make arrangements. 

Ocwen has lost their lisencing in several states and the internet I have researched NOW has hundreds of complaints. 
Please take this complaint under serious considerations. I 'm an intelligent person and ca n't get through this XXXX checks only wanting full amount that was monstrous now hurindous, but we would pay to stay with a payment plan. Talking to people in XXXX. Please.. This not right!! 
I 've put {$120000.00} + in down payment and payments and over {$21000.00} in new heat pump etc.etc prior to XXXX and $ XXXX through bankruptcy since XXXX. And I deserve a chance to make payments the right to pay you back in full? This is wrong!

Company response to consumer: Closed with explanation