WE ALMOST DIED BUT MY SON AND I ARE HOLDING EACH OTHER UP

UPDATE JANUARY 3, 2018.

This is an update of a post written in September 2016. At the time I thought being attacked by OCWEN which manages my home loan that DEUTSCHE BANK bought was enough to kill a person. We didn't find an attorney to help us save our home but the CFPB helped stop the unwarranted attack and OCWEN put my name back on my loan. I saved our house but didn't get any damages for the hell of having to fight to save my home when I had a loan in good standing with a perfect payment history. Then, still in 2016, I thought what FARMERS INSURANCE did to us was going to kill us. I never dreamed that UNIVERSAL FLOOR SOURCE was being dishonest with me, my home insurance and SYNCHRONY BANK, that they didn't really have a license to rebuild our kitchen after mold remediation and they would join the ranks of vultures trying to steal the $76,000 equity in our home. And little did I know the HERO PROGRAM and PETERSEN DEAN SOLAR also had a scam cooking, that they also had been drooling over the $76,000 equity in our home that KEEP YOUR HOME CALIFORNIA had just granted us. With no attorney, my son and I had to fight alone to save our home. My autistic son James was by my side as I filed complaints with government agencies and filed responses in court to PETERSEN DEAN'S sneaky attempt to steal our home via Mechanics Liens that they had no right to file. They hoped no one would find out in time to stop them.

In 2016 a lot of con artists descended upon my autistic son and I and attempted to steal the equity in our home or in PETERSEN DEAN'S case, our entire home. A series of simultaneous disasters prevented us from focusing on the go fund me page for James in 2017. We found ourselves in a life and death fight to stay alive. We were in the emergency room over and over again with breathing difficulties and loss of consciousness. We were both badly beaten down by men who relentlessly threatened and bullied us, and we both began suffering sudden extreme high blood pressure episodes with fainting and difficulty breathing and lung infections. My son James and I are happy to be alive. We are still in danger and living in filthy, dangerous, horrible conditions but we managed to stay alive through all this.

The CFPB helped us make OCWEN stop its out of the blue attempt to steal our home (suspiciously following a $76,000 KEEP YOUR HOME CALIFORNIA GRANT and $5000 HAMP incentive award for never being late on my home loan). My CFPB complaints stopped OCWEN'S attempt to reverse our home loan modification which has a PERFECT PAYMENT HISTORY but during that battle to save our home from OCWEN, stachybotrys mold was discovered in our home and contractors who lied about having a license further damaged our home and shattered our lives before we could get back up on our feet after the unjustified OCWEN attack.

Here are some links to the simultaneous, ongoing disasters that my son and I are facing alone:

UNIVERSAL FLOOR SOURCE 

A THING OR TWO ABOUT FARMERS

PETERSEN DEAN and the HERO / RENOVATE AMERICA SCAM

It is a new year. We are still alive. My autistic son has made it clear to me that he trusts me and loves me. I am humbled by the way my son still looks up to me after I got so badly beaten by all these bullies these past two years. I am deeply moved by the his absolute trust that I will always keep him safe. He has made up little songs about me I will not fail him. I will get our house back from PETERSEN DEAN / HERO / RENOVATE AMERICA and I will sue them for their ruthless attempt to steal our home via their shameless tax credit scam. I will make UNIVERSAL FLOOR SOURCE repair what they destroyed without having a license. I will sue FARMERS for their standoff with my home insurance, for refusing to remediate the mold that their client Shadowbrook Estate Home Owner's Association caused.

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The original September 28, 2016 post before things got so utterly out of control:

With all the fighting for our lives to save our home from OCWEN and now FARMERS INSURANCE, when all we have done is always pay our bills on time, there was little time left over to work on this fundraiser to help my autistic son James.

His dental pain is so severe that his life is ruined. The medications the ER gives him to make him stop crying have backfired and caused him to cry more with severe bladder problems. He spent Christmas and his birthday in pain, in bed. His health is being destroyed and his teeth hurt him everyday. 

Please share James' Go Fund Me video with everyone you know. Thank you. ❤️

http://www.gofundme.com/painfreeJames

WHY WOULD FARMERS INSURANCE COVER UP MOLD?

 

Farmers Insurance has made a settlement offer in a Stachybotrys Sp. mold case. They want us to hide the mold. The Farmers Insurance representative was adamant about there being NO MOLD REMEDIATION.

Does Farmers Insurance expect me to lie when it's time to sell this house? Am I supposed to tell prospective buyers that there are many strong, heavy, active fertile colonies of STACHYBOTRYS SP growing in the wall? Am I supposed to accept Farmers' settlement offer to cosmetically cover up, conceal and hide the mold?

I don't want to do that.

I don't want other families to get sick like my son is:

EXIT OCWEN, ENTER FARMER'S INSURANCE

OCWEN finally stops blocking my autistic son's three surgeries by removing optional remarks that they knew drastically lowered my credit score. 

On the same day FARMERS INSURANCE picks up the bat and tells me they will not remove any mold the Shadowbrook HOA caused, that the settlement offer is a bag of wood chips for the massive amount of water damage, the rust, well established mold colonies where plants drowned from the over water that lasted ten years and all through the California drought, the rusting of the safety gate that protects my autistic son from getting hit by a car, water damage on the stucco and permanent water stains on the concrete outside. 

FARMERS' settlement offer included a piece of drywall to hide the toxic mold colonies inside our home. FARMERS went on to say the size of the drywall was to be determined, as if that was a very gracious offer they were making by sealing us in a moldy tomb with cheap cosmetic cover-ups. Wood chips to hide the water damage surrounding our house. 

What if your doctor offered to hide your cancer instead of treating it? What if your doctor offered you some cheap cosmetic stuff to help you conceal your cancer from people? That is what the Farmers' settlement offer felt like....like it was ok for my son to die in a house filled with and surrounded by a toxic strains of mold because FARMERS' cosmetic fix would hide the cause of death from view.

James must come home from surgery three times to inhale spores from active colonies of mold FARMERS INSURANCE adamantly told me on September 16, while I was in urgent care with my very ill son, trying to listen to his doctor, that Farmers Insurance will not remediate the mold. Farmers called twice while I was in urgent care with James. They were eager to tell me the "good news" of the bag of wood chips and piece of drywall "settlement offer". I repeatedly told them we were in urgent care. Obviously their good news could not wait.

OCWEN, after 7 months, put down the bat and stopped manipulating my credit score.

My credit score shot up 68 points as the score lowering comments OCWEN had posted in the optional remarks section of my credit reports were removed. 

My scores will go up more as all the remarks are removed from 4 reporting agencies, Equifax, TransUnion, Experion, and Innovis. It will average to approx a  90 point increase or more in less than a week. I fought 7 months for this Justice, with the help of the CFPB. 

OCWEN put down the bat and before I could sigh in relief, FARMERS INSURANCE picked up that bat on behalf of SHADOWBROOK ESTATES HOA and came at me. I'm getting another whooping. 

OCWEN CREDIT SCORE MANIPULATION ENDS, FARMERS INSURANCE AND SHADOWBROOK HOA STEP UP TO THE PLATE TO GIVE ME THEIR  SHARE OF ABUSE. 

(Not ONE hour of rest for me).

The very same day I received notice that this credit score manipulation battle was over, that OCWEN told me, the CFPB, the FTC, and the Dept of Justice, in writing that they would stand down and finally remove the score lowering comments that a week ago they defiantly declared they would NEVER REMOVE....that same day, before an hour could pass, FARMERS insurance called me twice while I was in urgent care with my son James....FARMERS called, eager to tell me the "good news" that they wanted to offer me "a settlement" (BEFORE  the cause of the mold was determined) and instead of removing the damaging sprinklers, they wanted to leave them in the ground where they could continue to leak and nourish the horrific amount of mold in our home. 

FARMERS INSURANCE was excited to have me know that instead of the first offered real solution of removing sprinklers and installing pavement in the narrow walk way, their new settlement offer was a bag of wood chips and a piece of dry wall. 

They threw in the piece of drywall because it's cheap and packed with excitement for the HOA, a loaded gun of a gift because it implies assumption of guilt for the mold that is INSIDE the house, the dangerous strain that could kill my autistic son James in his weakened state. A piece of drywall is a drama packed settlement offer, especially with the stipulations and strings attacked to the offer. FARMERS INSURANCE wants NO MOLD REMEDIATION, the sacred mold must remain intact inside the wall.

The newly gifted drywall is to be placed over the festering mold colonies even though it has not yet broken through the current drywall and is not visible yet, much like my son's recent lung infection treated in the emergency room was not visible to the naked eye. (Yes, I endured insurance men blustering that if you can't see it, it isn't there).

The HOA might have at least ten months of meetings about this subject alone. Is mold really there if you can't see it yet. Is cancer really cancer until it breaks through the skin? These people are driving us to the brink of madness with unbearable stress.

FARMERS INSURANCE wants to throw wood chips on the water damage and leave the troublesome sprinklers system which has often sprung leaks. (I have video tapes of the bursting pipes that keep bursting because they stand in mud.) FARMERS wants to leave things as they are so it can continue to keep that bed of mold alive and well. 

Keeping the fear alive is sort of a trademark of the Shadowbrook Homeowners Association and FARMERS INSURANCE is only too happy to keep that tradition alive. Actually solving the mold problem is too easy, not dramatic and no fun at all for the HOA. The drama is hurting me and my son. 
Why fix a problem when you can tinker with it for ten + years as the HOA has already. Replacing the moldy wood chips and fixing leak after leak as the years go by will be fun for the HOA.  I filmed the pipe that bursts three times. They just leave the mud and keep replacing the pipe over and over when it bursts. 

Leaving the water stains, rust, crumbling stucco and mold gives the HOA trophies to gaze upon each time they pass my house. They can have monthly meetings, perhaps 3 or more months each time I beg them to remove the smelly, moldy mess? 

And just think of how many times we might have to open the walls to see if the mold has come inside. 

Perhaps we could have an annual event like Christmas and Hanukkah an call it Moldypalusis Day. 

We can all meet once a year and dance around my mold infested house. I vote we have this holiday on GROUNDHOG DAY because it reminds me of that iconic film. 

Every year on MOLDYPALUSIS DAY, Mold Tech Services could stick a probe in the base board and declare what variety of mold has the largest colony that year. FARMERS likes trying to make humorous TV commercials. What is happening to us isn't funny.

What about my autistic son James? What about his health, his lung infections? 

James Marshall playing inches away from a large colony of toxic mold before we found out it was in the wall. James is autistic and has been sick since October 2015 with a mystery illness that makes him too tired to get out of bed. He has fainted multiple times.

 

OCWEN CLAIMS FCRA FORCES THEM TO MANIPULATE CREDIT SCORES

OCWEN is not required by FCRA to place a remark in the remark section of credit reports. That is OPTIONAL. OCWEN is misrepresenting FCRA by insinuating FCRA supports what OCWEN is doing. 

In fact, OCWEN can deliberately manipulate a customer's credit score by reporting the loan has a zero balance when that is not true, forcing the customer to "dispute" the untrue information. Then when the untrue info is removed by OCWEN, OCWEN can add in the remark section that there was a "dispute" and this comment will lower the score 30 points or more. Thus an OCWEN "error" gives OCWEN an opportunity or excuse to add a comment that will lower the clients credit score and make that client unable to refinance at the interest rate they deserve. OCWEN profits financially by making "errors" and then inserting in the optional comment section of clients credit reports that a "dispute" has been resolved. OCWEN knows that putting the word "dispute" in the OPTIONAL comment section dramatically lowers the credit score. OCWEN is guilty of deliberate manipulation of credit scores. Other creditors make errors and correct them when the dispute process brings attention to the error, but other creditors do not use the comment section of the credit report to try to profit financially from their own error like OCWEN began doing on my report after they threatened to reverse my 2010 loan modification. For seven months OCWEN began playing with the optional remarks section of my credit report, making my score go up and down like a yo yo. When caught doing this, OCWEN asked the CFPB to believe there is a law on the books requiring OCWEN to use punitive language in the OPTIONAL remarks section of my credit report. OCWEN maintains that FCRA requires OCWEN to mention in the optional remarks section of my credit report that there was a "previous dispute" (caused by blatant OCWEN error such as reporting my loan was paid in full by a mysterious stranger when it was not), OCWEN then blames FCRA for OCWEN placing a score lowering remark about a dispute OCWEN generated. OCWEN claims they are FORCED BY LAW, FORCED BY FCRA to profit financially from the errors OCWEN makes. 

I paid my loan on time for six years. OCWEN still managed to lower my credit score by reporting an error and then placing the word "dispute" in the comment section on my credit report, which all the bureaus informed me was the reason my score dramatically dropped. 

This is no accident. OCWEN has made a science out of credit score manipulation. OCWEN has discovered a way to financially harm and profit from a loan in perfect standing. Even if you pay your loan on time for six years, OCWEN can make your credit score plummet 30 to 90 points by placing comments in the optional remarks section of your credit reports that refer to "disputes" that were generated by OCWEN "errors". All OCWEN has to do is make a random error, then when the customer reports the error, OCWEN moves in for the kill by adding a score lowering comment to the report in the optional comment section and saying they are only obeying FCRA, that they are required by some mysterious no name law to lower credit scores this way and prevent their customers from being able to refinance and escape OCWEN'S financial prison system. Even loans with perfect payment history have no hope in the OCWEN system. OCWEN should be barred from serving loans due to credit score manipulation practices.

OCWEN QUOTES LAWS THAT DO NOT EXIST TO CON CFPB

OCWEN is making a false claim that it is required by law to place a punitive remark on credit reports of homeowners who received grants from KEEP YOUR HOME CALIFORNIA. 

The issue of a statement being true or false is not what my complaint addressed. OCWEN is attempting to convince the CFPB that the issue is whether or not a statement is true.

The issue OCWEN was asked to respond to concerns the remark section of credit reports not requiring by law that ANY remark be placed. It is optional to place a remark. 

OCWEN is deliberately using the optional remarks section to lower credits scores so customers cannot refinance at lower rates with other companies. 

OCWEN is abusing the optional remarks section of credit reports for OCWEN'S financial gain. OCWEN forces even customers who always pay on time to be stuck with higher interest rates. Other banks are not trapping their customers with these ploys. Just because a statement is true does not mean there is a law mandating that it must be tacked on to customer's credit reports. 

OCWEN has not cited the exact so call "law" that forces them to take punitive measures against homeowners with loans in perfect standing. OCWEN benefits financially by claiming there is a law forcing them to do this punitive action but OCWEN does not provide the law in question. 

OCWEN invents non-existent laws to get away with what amounts to financial crimes against home owners.

THE CALL FOR OCWEN TO BE BANNED FROM SERVICING LOANS IN THE USA

Ronald Faris, CEO of OCWEN 

CFPB Case number: 160821-000180 OCWEN SHOULD BE BANNED FROM LOAN SERVICING IN THE STATE OF CALIFORNIA AND IN THE UNITED STATES OF AMERICA

8-21-2016

 

What happened

Describe what happened so we can understand the issue...

OCWEN Loan Servicing LLP is violating my rights as a US Citizen. OCWEN began an all out attack on my loan in good standing after they posted $76,700 I was awarded by Keep Your Home California and $5000 HAMP incentive that I earned by never being late on my loan for six years. Stephanie Buls from the OCWEN Ombudsman office was so jovial when she told me that my name being removed from the loan was not the worst of it, that my assumption of the loan being reversed was not the worst of it, that reversing the loan modification of 2010 that was made when the loan was being serviced by ONE WEST was in the works. I refused to speak with Stephanie Buls after that conversation because she talked down to me and seemed as excited and joyful as a soccer fan as she relayed to me all the terrible things OCWEN was going to do to me. Her tone of voice was jovial, full of joy, excitement and passion, as if she was engaged in blood sport and really getting off on delivering bad news.

Reversing the loan modification of 2010 was put on the back burner when I reported the reversal of my loan assumption and my six year perfect payment history and that OCWEN was stealing Keep Your Home California money and HAMP incentive money that I as a home owner had applied for and earned by my perfect payment history.

The abnormal amount of time my "Probation" period lasted feels criminal and very punitive.

It also feels punitive, as if I am in some sort of debtor's prison that my six year perfect payment history only seemed to annoy OCWEN and make them try harder to find ways to punish me, lowering my credit score with an assortment of different "optional" remarks that carry hefty score lowering clout, causing my score to drop 90 to 30 points as soon as the optional remarks were added by OCWEN. Each time Ocwen would claim the remarks were "Mandatory" even though all the bureaus said they were completely "Optional" and each time the remarks were different.

Matthew Parker became my next point of contact in the Ocwen Ombudsman's office. In a soft spoken, serious voice he would send me on back to back wild goose chases to verify if the accusations he made against Transunion, then Equifax, then Transunion again were true or false. It was a great burden on me to write letters, make phone calls and check out the accusations and in each case what Matthew Parker claimed was caused by Equifax or Transunion was in fact caused by OCWEN. Mr. Parker would make serious accusations against Equifax, accusing them of changing the Transunion score. I told him that from now on he needed to put his accusations in writing. He did put in writing that OCWEN puts score lowering statements on MANY Ocwen accounts, remarks that are optional but OCWEN has made a mandatory internal policy to lower scores however they can. Mr. Parker told me many of the "errors" he corrected could "happen again" and he would fix them again. I contacted his supervisor and his supervisor's supervisor. The sheer number of times there have been "errors" on my account since February 2016 is proof that OCWEN is either the most incompetent organization on earth or engaging in criminal activity or perhaps both. I feel like I have been financially kidnapped by OCWEN and denied my Constitutional rights. OCWEN is engaging in a form of slavery. Even after OCWEN it told not to overturn loan mods, they started the process of overturning my 2010 loan modification. They only put the process on hold because Honda Finance told me to report OCWEN to the CFPB. They have indicated to me that it could happen in the future and that the assumption of the loan could be reversed again,my credit score could be messed up again by incorrect info reported by OCWEN. They threatened me by telling me every time I report them it to the Attorney General and the CFPB, it causes them to do things that harm my credit score, that it's my fault

Consent to publish the description of what happened? Consent provided 

Have you missed any mortgage payments or are you in default on your mortgage? Yes No

Is there a date scheduled for the foreclosure sale of your home?  

When is the scheduled foreclosure sale

Did you pay a company to help yoDesired resolution

What do you think would be a fair resolution to your issue?

At this point, due to the sheer number of repeat "errors", where OCWEN has kept my credit score low ever since they tried to reverse my 2010 Loan Modification and keep six years of payments I made on time, and keep my $5000 HAMP incentive and keep $76,700 Keep Your Home California dollars, taking me off my loan the minute they posted these funds to the account, at this point, I believe OCWEN should not be allowed to service loans in the State of California. I believe OCWEN should be banned from servicing loans period. If OCWEN'S excuse for reporting false information to the credit bureaus and attaching a variety of different score lowering "optional" remarks to my credit report, which no other creditor has ever done, OCWEN is making the defense: "We are incompetent, we only lowered Ms Marshall's score for six months, delaying her son's much needed surgery and home maintenance because we made back to back errors for six months because we can't help it." If OCWEN is like a drunk driver who "can't help killing people", they should lose their right to drive and go to jail for taking human lives. If OCWEN "accidentally" got richer and richer by having these "accidents", OCWEN needs to be shut down because that is the only way OCWEN is going to stop harming innocent homeowners who happen to be paying their loans on time but still get bludgeoned by OCWEN, driven to the limits of human endurance and laughed at by OCWEN as OCWEN informs them that it can and will get worse. OCWEN has violated me and my son. OCWEN has violated our rights as US Citizens. We are being held against our will in a surreal financial prison, a debtor's prison that does not bother to distinguish between people with perfect payment histories and people who miss payments. We are all the same to OCWEN. We are Ocwen's cattle. We are their "possessions" until they find a way to separate us from our property, our money, our HAMP rewards, our Keep Your Home California grants. OCWEN is a criminal organization and needs to be taken to trial as such. We cannot wage a war against Terrorism without including OCWEN in that war. Make no mistake, OCWEN is destroying lives. OCWEN pays the fines and jumps back in and picks up where it left off. The looming threat of reversing my 2010 Loan Modification and my loan assumption is proof of that. OCWEN informed me that they stopped these reversals "as a courtesy" to me....this so called "courtesy" occurred exactly when I first reported them to the CFPB. A class action against OCWEN needs to be launched to protect U S Citizens from this "accident prone" and "power drunk" criminal organization that has fed upon the housing crisis with the sole goal of obtaining obscene wealth for itself, laundering the money it steals from home owners and the programs such as HAMP and KYHC in the stock market. This "drunk driver" OCWEN has been slamming into us every week since February 2016. They probably started before than, but the first horrific wound I felt was in February when OCWEN began the frenetic chatter, the jovial predictions of my home loan being taken away from me and in the same letter where they congratulated me for earning the $5000 HAMP incentive for paying my loan on time for six year. "Congratulations, we're taking your loan, your money and the government awards and incentives you earned all these years. Oh? You reported us? Well, as a COURTSEY we are putting you back on the loan, for now. We can reverse the assumption again. We won't reverse the loan mod for now, but FYI, every time you report us you are making it worse for yourself. It makes us have to mess up your credit score....."

https://twitter.com/DameJEMarshall/status/767419502959194112

I am calling for OCWEN to be banned from doing business in the UNITED STATES OF AMERICA.

OCWEN THREATENED TO REVERSE MY 2010 LOAN MODIFICATION

In 2016 OCWEN began attacking my home loan even though I had paid on time the entire six years since I applied for and received a HAMP loan modification.

OCWEN posted the $5000 incentive I earned by never being late on my payments to my account and then removed my name from the account, reversed the assumption following divorce and locked me out of my online account where I make payments.

The OCWEN ombudsman laughed and told me it was about to get worse, that they were working on reversing the 2010 loan modification and that my name would never be on the loan, that my 6 years of payments, my $5000 HAMP award and my $76,700. Keep Your Home California award belonged to OCWEN, not me.

I reported OCWEN to the CFPB and Department of Justice and some of the blatantly illegal attacks stopped, such as the reversal of the 2010 Loan Modification. That attack was put on hold but replaced by smaller, back to back, nonstop attacks that lowered my credit score in spite of my perfect payment history.

I do not feel like a customer. I feel like an inmate in the prison of OCWEN. Once OCWEN starts attacking your loan, they never stop, even when they are reported for the attacks. They just change the attacks and keep at you. They know my autistic son James needs surgery and that by destroying my credit, they are delaying his surgery and making it possible he won't have a good outcome. 

I would refinance and escape the prison of OCWEN if they would stop deliberately lowering my credit score.