Consumer complaint received 2015-11-18
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I XXXX 2011 I was granted a hamp by ocwen because I was in bankruptsy andmy attorney helped by writing if I did not get one would not be able to keep the hohouse. In XXXX 2011 I had a flood in the house and was so consumed with waterer I was 2 days late and the second trial payment and they canceled it. I tried tomake the payment and they would not take it. I had not advocate but myself ottry to deal with them. the bankruptsy attorney was done and past. I was givenan in house mortgage of XXXX I could not pay. I got sick, had XXXX now. I can not work at all. I only havesoc andpension which is net of XXXX. Ocwen insists on the gross of XXXX XXXX as income.my other bills take up all that incoe without a mortgage. 
I maybe could cut some if my mortgage wasXXXX or XXXX as the hamp but cannotpay the XXXX inhouse mortgage they gave me. They argue since I was late onthe second trial hamp by 2days that I can never have another. Another personat Ocwen told me in three years I could It has been over 3 yaras and I reappliedand theysendt me an in inhouse more than the XXXX icould not pay. It includedthe unpaid mortgage for a year at 2 percent but no principle reduction. my housis not worth the tax value of it. it is taxed with othr houses in my areanot in floodzones. mine and the XXXX next door are in a flood zone and not one would XXXX for it. plus it need any repairs I can not make. I have made many repairsome not paid for yet. I need another hamp with principle reduction and recastof up to XXXX past due. 

I was told today if I had contracted a houseig counselor about the2 day late hamppaymennt they might could have helped. I did not know. 

I reapplied in 4 years as theysaid and they turned me down again contrary towhat I had been told that I could reapply in 3 years. 

The hamp tier two they say my income is too much. they gross it. the actual incomecome is not too much. I never see the taxes. 

There is nothing I can cut from my budget but food which I have done. I havebeen in bed for a year not abletowork andhave XXXX less a month and will neverwork again. 

I ca n't cut out any of my monthly payments. I need the principle reduction and thethe hamp.to stay here. without me this house would be condemned. it is fallingapeart andnot worth the tax value on it. XXXX just taxes all houses of the sizealike no atter the condition of if they are in a flood zone. 

The tax value is XXXX but no one in their right mined would pay that for this househouse not more than XXXX in mint condition which it isnot. 

The deck is falling apart from the house due to water and termites, and stepschipped and unsafe and garage doors need replacing and the cemet in the garageis all torn up. the condition of th house isnot worth the tax value. 

I need help getting the hamp back. I could maybe pay XXXX or XXXX but not more andand with esceo and insurance included. 

my bill add up to XXXX and my income is XXXX net which is all I get. 
I do n't get the gross. 

I was just paying my bills barely without a mortgage for a year. 

I will have to find work after the sergeries somehow but I am XXXX and there isnothing I can do. I am fired from my part time job due to inability to work. 

I have not job. I have not earned income. 
I need help getting the hamp reoffered to me with esceo and flood and homeowI want to keep the house and use flood ins to keep restoring it forme and for thewithout my flood ins the house would be condemned. My bill information is availableif I am given an email address to send it to. ocwen has lied to me telling me Icould reapply for the hamp in 4 years. it has been that. and now they say not atall nor a tier 2 for I make too much. I am not in a high income bracket. 
they have my taxes and all my pension and soc information and ihave no emplo

Company response to consumer: Closed with explanation