Consumer complaint received 2016-07-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

My Servicer is OCWEN. I wish to stop a scheduled foreclosure on XXXX XXXX, 2016, for a variety of reasons caused by NATURAL AND MAN-MADE DISASTERS that have occurred to the home. 
There are other legal reasons but in this complaint I wish to address the natural and man-made disasters that have occurred to the property within the last 60 days and request a moratorium on foreclosure for 90 days, due to the extensive damage to the home, investigation of the man-made problems, determination of the costs to repair or reconstruct the home, analysis of the environmental issues that have arisen, insurance, costs, time to attempt to finalize a buyout/loan mod which has been sent to OCWEN, but prior to the disasters, and if the home can be repaired or should be condemned. 
( 1 ) There have been severe thunderstorms and tornadoes in Georgia and XXXX over the last 60 days. Lightening has hit the home three times in the different storms, creating XXXX holes in the house ; XXXX in the roof and XXXX on the side of the house near the roof. These strikes and holes caused extensive damage and fire to the roof area, then allowed significant flooding of the top floors as the rainwater worked its way down the inside walls of the house to XXXX different floors and spreading through the subfloors causing damage to numerous rooms, sheetrock, cracked ceilings, and substantial XXXX mold now growing inside and outside the sheetrock on XXXX floors. 
( 2 ) The lightening also knocked out the central HVAC, frying the outside units and wiring, and the water that flooded into the house filled and flowed through the duct system leaking all over the house and collapsing the air ducts. The lightening and storms also knocked out the house generator, power was lost, and XXXX third of the electrical circuitry was fried so that no electricity is available for a third of the house. 
( 3 ) XXXX sewer and water issues have caused proplems throughout this older area of town causing sewer main collapses, sink holes and environmental issues affecting the soil and the water supply. The area has been under a mandatory boil water warning due to the sewer contents affecting the water supply. The extent of the environminetal damage underneath the house and in the back yard and beyond has not been determined due to the digging necessary and required repairs or reconstruction. The sink holes in the area and on the property are generally due to collapse of the sewer system which is XXXX XXXX XXXX terra cotta construction and a number of collapses have occurred in yards, underneath houses and parts of the neighborhood streets and sidewalks have fallen into sinkholes caused by the failure of the water and sewer infrastructure. 
( 4 ) The sinkholes have appeared on this property in the front yard, sides of the house, under wooden decks, under the main part of the house, at the pool deck and pool in a general line from the street along the side of the house by the pool and into the ravine behind the house most likely due to either a collapsed sewer or broken water lines from deterioration of the soil underneath the yards, streets and structures. 
( 5 ) The sinkholes and shifting earth have severely cracked the foundation of the house, and the results have been flooding of the lower floor with water flooding the entire floor, ruining the carpet, and ruining anything the water touches every time it rains. The foundation cracking plus the water/sewer problems have disrupted the plumbing in the house, broken water lines inside the house, and caused half the toilets in the house to cease functioning. It has also affected the water pressure significantly. 
( 6 ) Worse yet the cracked foundation has allowed pests to enter the basement through the cracks in the floor and walls. The pests so far include snakes, especially copperheads, ants, roaches, spiders ; continued below.