Consumer complaint received 2021-09-15
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CT)

I took out my making home affordable loan with Ocwen loan servicing in XXXX. I made payments for about a year ..although when I applied even though I did a XXXX work sheet .there were no expenses listed but my car payment and car insurance. My income has never changed as I am XXXX and recieved an XXXX  check and had lodger who paid. When I was granted the loan my payment never deceased it was the same..but the interest rate dropped to around 3 percent from 6 but they added like 10 years onto my mortgage bringing the loan back to 30 years..this was not helpful but I went threw with it as I was behind in payments .and was not offered the Emap loan which would have been better suited at the start when my credit wasn't that bad as I had like XXXX XXXX equity in the house.thst loan didn't work so another was applied for in XXXX and granted. But again the mortgage amount was not reduced so it defaulted..the case has been on the court docket there was I fact XXXX surplus from the sale. My equity which was applied for then all sorts of excuses not to pay were given like. You don't get your equity in a foreclosure..to extra HUD loans not on the town hall ..which apppear with false signature of mine then signature taken away when confronting the bank who had the signature for a completely different complaint about a company I lodged with them ..then the town clerk agreed .no HUD loan then after that it appears on the town land records..the house still has not been given a release of lien from the Ocwen loan servicing LLC ... although the there is an unofficial record of sale . The bank paid the superior court the amount due. All taxes and insurance are paid in the mortgage payment. The deposit check is in the correct amount for fair market value. It's been a complete cat and mouse game with this loan company and there fraudulent practices by not making my home affordable..granting the loan twice... tacking on false HUD loans not agreed apon. Serving a notice to quit. Coming by and sending the winterization man to look at the house take pictures of the mailbox and outside of the house .then I leave the electric on too .and then they claim they could not get the fair market Value as the pipes froze..which I told the committee would happen if he did not take my keys which were given but the changed the locks anyway..and i have a huge electric bill too as without knowing if they had done their job..I had to keep the electric on..so there was no damage as they claim..they owe me the appraised value as they put me in a position by awarding the loan that wasn't the government required 33 percentile debt to income ..which never made the loan affordable..even though I worked with the court mediation program the first time .it was not going to be affordable. As I had food ..electric ..oil... gas... medical all these expenses not taken into consideration .now they refuse to give me my equity ..it 's a complete con company..Im XXXX years old living on the streets for the past 3 years of battling with the company to pay me the equity which is due and fair.