OCWEN RESCINDS BANK OWNED STATUS BUT ONLY "AS A COURTESY"

"OCWEN took advantage of borrowers at every stage of the process", 
                        ~ Richard Cordray, Director of the federal Consumer Financial Protection Bureau.

Funerary Genius by Frederic-Auguste Bartholdi,

creator of The Statue of Liberty

On Friday, April 15, 2016 OCWEN called and verbally informed me that they were putting my name back on the loan and would remove the block and begin reporting my perfect payment history to Transunion, Equifax and Experion. This will not undo the damage done immediately, but it is a step in that direction. Some of the damage cannot be removed.

An attorney emailed public property documents that showed that OCWEN did not just threaten to remove my name from my loan and make it a bank owned property, OCWEN swiftly, in a matter of hours, changed a loan in good standing with a perfect payment history, a loan that had just received the $5000. HAMP incentive because of that perfect payment history and $76,700.00 payment from KYHC (Keep Your Home California)....in a matter of hours OCWEN actually made this loan in good standing a bank owned property. OCWEN took my house, and all the money the government paid towards the loan to help me keep the hour, OCWEN took my name off the loan and destroyed my credit.

On Friday OCWEN called to tell me they had rescinded calling the loan due and the property was no longer bank owned, it was back in my name...but this was done "as a courtesy".

When your name is put back on your home loan "as a courtesy", this means it can be yanked away from you again, at any moment, without warning and you will lose all the money you are putting into it each month, as well as the HAMP and Hardest Hit Funds / KYHC money, that Federal money can also disappear into the OCWEN empire in a matter of hours if someone in OCWEN decides to do this again. 

My request to settle this matter included a 2% HARP refinance and the removal of the upside down portion remaining on the loan. OCWEN told me they are consulting with a company they purchased, HOMEWARD RESIDENTIAL. 

Perhaps if a 2% HARP refinance is done, it will take care of the ever-looming threat that even if you pay your home loan on time for six years and receive a HAMP award for your perfect record, OCWEN can still, in a matter of hours, take your home away from you and destroy your credit rating.

There isn't much choice in refinancing because OCWEN did such damage to my credit score that no lender will touch me. I have to go with a lender that OCWEN owns, HOMEWARD RESIDENTIAL.

I put the "Go Fund Me" fundraiser on hold while this refinance is being negotiated. It may not be necessary to hire an attorney if this refinance happens and the threat of having my home taken away from me even when I am making payments on time is removed by this refi.

How are we feeling? My autistic son had a very sad look on his face Friday (April 15. 2016) morning. 

On Friday people kept telling me my voice was very faint. I had a sudden change in my vision around Thursday (April 14, 2016). I started experiencing flashes of light when I went from a well lighted room to a dark room. I notice it at night. I took aspirin to prevent a heart attack/stroke and rested this weekend. I will see an eye doctor about it. 

James, my autistic son has a stress test on Monday at UCLA. He has cheered up some since the terrible slew of upsetting phone calls from OCWEN stopped. The past week all I did was work on trying to save our home...which was hard to do while I was taking James to his doctor appointments and trying to keep him from getting stressed by what was happening. 

Without any warning and with our loan in good standing, my son and I lost our home for almost a week. It was impossible to hide the frenzy and horror from James. When he was too sick to get out of bed, he could hear me on the phone all day trying to save our home. When he as able to get out of bed he stood beside me at the fax machine.

He watched me fax documents for days. He had a few days where he was well enough to get out of bed and wanted to go outside but mostly he ended up watching mommy fax documents and make phone calls to the FBI, SEC, CFPB, HPF and other agencies that might be able to help us get our home back.

When you get your home back "as a courtesy", you don't feel safe. You feel like this:

~ TO BE CONTINUED ~





TIME FOR A COMMERCIAL BREAK. JET.COM CAN'T COMPETE WITH OCWEN WHEN IT COMES TO EXPLODING HEADS

Time for a commercial break. Jet.com's exploding heads seems like the right commercial for half-time entertainment is a disaster brought to you by OCWEN. No body explodes heads as frequently as OCWEN does. And it does feel like Ocwen is playing a game....kinda like when the Romans threw people in to arenas and watched lions tear them limb from limb.

Today's OCWEN Update:

I'm able to login and pay my loan again. The mystery of why I was locked out has been solved. Ocwen admitted today that they had changed my username without telling me. This is a pattern with OCWEN. They make serious changes without communicating BEFORE they make the change. Other businesses send you an email telling you the reason why they need you to change your log in information. They don't just change it and leave you scrambling to figure out what happened.

So far the attorneys I have consulted all say OCWEN should not have reversed my assumption of the loan, that OCWEN is wrong and would probably back down if taken to court. This is not what my autistic son needs to be going through now.

Ocwen also talked to me today, not about solving the the mess they made when they removed my name from the loan, but about offering me a "recast" so I can pay $59,833.78 interest instead of $18,300.05 interest over the remaining life of the loan. They still do not want to put my name on the loan that I am paying. I rejected the offer to astronomically increase my interest. They began confusing that with the Keep Your Home California payment made in February, $76,700.00 applied to the principal of the loan, acting as if I was saying I was rejecting that help that I had accept from KYHC. No, no,  Ocwen, do not rip that up like you ripped up the assumption. I asked them not to make any rash action without sending me something in writing to confirm we are talking about the same thing. They jumped around today.

Ocwen has a global reputation for being "scattered". They create problems back to back. There is always someone at Ocwen undoing something another Ocwen employee is doing. After appalling damages and reversals of progress, Ocwen dismisses the carnage by simply stating, "We found our mistake and corrected it." Allowing someone to assume a loan and pay it and get $76,700.00 applied to that loan and then telling the person the assumption has been whimsically reversed is beyond the scope of finding a boo-boo and fixing it. Punitive damages are in order. Measures need to be put in place to derail this nonstop boo-boo train. The inmates are running the prison. It's not ok to say "Ooops" and skip off merrily to the next life destroying mistake.

Today's shocking revelation from Ocwen is that they no longer blame ONE WEST BANK for not telling them about the Chapter 7. They admit they knew about the Chapter 7 in 2014...which is pretty "cave man days" since it has been a matter of public record for all to see since 2007. And bottom line, no matter when they "discovered" how to access public records, it does not justify the reversal of the assumption and the wrecking of a loan in good standing.

OCWEN has changed their story several times as to who's fault it was that they did not notice a Chapter 7 that happened in 2007 before the divorce. My ex-husband did not do a "reaffirmation" and that is the reason they state that they had a change of heart and reversed my assumption of the loan.
Several attorneys have informed me that this does not make sense, that in California it usually does not work the way OCWEN says it must. Ocwen's understanding of the law seems very sketchy and yet they take sweeping actions with deadly consequences at the drop of a hat. They reason that if the action turns out to be a mistake, it is "solved" with one easy statement, "Opps." I feel like my loan is being managed by sulky 13 year old teenagers and foreign exchange students.

OCWEN tried today to confuse the Keep Your Home California $76,700.00 payment with the HAMP recast offer and almost made yet another tremendous, sweeping mistake today. Saying verbally that I do not want the HAMP recast, which they insisted that I DID want is not the same thing as applying for assistance from KYHC...which I did IN WRITING....unless you are Ocwen and need to make ANOTHER big mess.....as if reversing an assumption of the loan was not enough of an "April Fools" punch in the gut. Today OCWEN admitted that the paper that I didn't sign never got sent to me to sign. The KYHC funds were posted to my loan in February 2016. Today, April 14, 2016 Matthew Parker was telling me that they should have sent me something to sign so they could accept the funds that they already accepted or, he seemed to be saying that they might have to reverse accepting the funds just like they reversed the assumption, destroyed my credit...and all because, again, it was their little "opps", "mistake" forgot to mail the form. (Do I hear heads exploding?)

It truly is something new every day with OCWEN. Some days it is three or four new mistakes brewing in OCWEN. It is very difficult to work with people who seem to have attention deficit disorder. You put one fire out and they are off somewhere starting three more.

Tomorrow OCWEN is calling at 8:00am AGAIN to have the business meeting we were supposed to have today at 8:00 am but talked about my refusal to accept the predatory recast instead. Today's meeting that was supposed to be about refinance as a solution but devolved into a bait and switch operation with Ocwen telling they thought I already agreed to an insanely high interest HAMP recast. When I said no to that, they said I was saying no to something else, because without telling me, OCWEN again changed the subject. Here is the crazy interest they tried to get me to agree to this morning:

Top this, Jet.com !!! Nobody explodes head like predatory Ocwen does:

I have asked for a 2% HARP refinance putting my name back on the loan as a possible solution to reverse the damage OCWEN has done to a loan in good standing. Ocwen's Matthew Parker is going to talk to Homeward Residential about making this happen and I'm sure at tomorrow's meeting he'll try to get me to buy some swamp-land instead. I'm  also sure that Homeward Residential will say it can't be done because of the damage OCWEN has done to my credit score. And I'm sure I'll hear the OCWEN MOTTO, "There is nothing we can do."

~ TO BE CONTINUED ~

THIS IS THE LAST THING MY AUTISTIC SON NEEDS AT A TIME LIKE THIS

This is the last thing my autistic son needs now. It's time to focus on helping him recover, heal, restore....but out of the blue OCWEN attacked our home loan that was in good standing. We could end up homeless at the rate this uncalled for destruction is happening. So now the priority has shifted from arranging surgeries to saving our home. I hope this resolves quickly.

If you know of a super attorney who has experience with litigation with OCWEN, please visit me on twitter and introduce me.

Thank you ❤️

 

OCWEN THREATENS AUTISTIC BOY'S SECURITY WITH HALF-BAKED UNDERSTANDING OF THE LAW

                 

OCWEN has moved so swiftly to take our home away from us in spite of my perfect payment history with them.

My autistic son James and I are in danger of losing our home.

 I'm a single mom, paid my OCWEN home loan on time every month for six years, since the loan mod 7-1-2010. I assumed the loan that had been in my ex husband's name on December 2015.

In February  2016 I was congratulated by OCWEN for paying the HAMP loan mod on time for six years and given the $5000 HAMP incentive.

In February 2016 I was congratulated again by KEEP YOUR HOME CALIFORNIA and they paid OCWEN $76,700.00 to lower the principal.

Last week OCWEN reversed the assumption, took my name off the loan, shut me out of the website where I pay the loan each month. They said they were going to reverse the 2010 loan mod as well but DEUTSCHE BANK who is the trustee said that probably couldn't happen. I opened a case with the CFPB and they told me to call Home Ownership Preservation Foundation and open a case with them as well. In a few days OCWEN destroyed my credit score and done so much damage its hard to digest. I had been on the verge of getting a personal loan to pay for dental surgery for my autistic son but OCWEN destroyed my credit score in a matter of hours by removing my perfect payment history from all the credit bureaus.

I spoke with a law firm as recommended by HOPE and HPF. HFF listened in to the advice an attorney gave to get OCWEN TO give back access to my OCWEN website or else I should attempt to pay the OCWEN loan by phone and retain an attorney. A lawsuit will stress my autistic son but OCWEN is moving so swiftly that something irreversible might happen if I don't I have legal protection from all these rash destructive actions OCWEN is fitfully acting out.

I wrote an open letter to OCWEN CEO  Mr Ronald M. Feris at:
myocwenloan.blogspot.com
with details of this very rapidly moving nightmare.

My autistic son James Marshall has been very ill since October 2015 and this ordeal, going through the housing crisis we went through almost a decade ago all over again is disrupting his treatment and recovery.

We went through the housing crisis once and saved our home.  I was so happy when I was finally allowed to assume the loan. It meant I would be able to help my son. Ocwen destroyed that possiblity when in a matter of hours they reversed and erased my perfect payment history of the past six years. We are going through the housing crisis all over again and it might be that only a lawyer can stop this insanity if OCWEN does not restore what they have destroyed and stop all this random destruction that is not permissible simply because a chapter 7 happened nine years ago. Their lack of knowledge of the law is the cause of this nightmare. 

       

OCWEN WAGES WAR ON A LOAN IN GOOD STANDING

An attorney asked me if I could still access my OCWEN loan account to make my May 2016 home loan payment.

For several days now I have tried to log on and have not been able to. 

I was warned that OCWEN may attempt to block me from being able to pay my loan and that appears to be what is happening. I have a perfect payment history, six years paying on time, never late.

Today is April 13, 2016 and I have been warned that I may have difficulty getting OCWEN to accept my May 2016 payment.

Almost every day there is a new hostile and destructive action taken by OCWEN....on a loan that was in perfect standing.

Thank you, gentle readers, for going through this with us.

~ TO BE CONTINUED ~ 

DEAR MR FARIS, HERE IS MY PROPOSAL TO REMEDY THIS SITUATION

Dear Mr. Faris,
Today I received the Consumer Financial Protection Bureau report response from OCWEN. It did not provide new information or address a possible solution. It was a repeat of what I was told verbally by OCWEN, simply stating what had happened.

That is a valuable tool because it is a foundation we can work from. In short, it states clearly that this was an oversight caused by One West Bank before the loan was transferred to OCWEN and the oversight was continued several more years each time OCWEN reviewed my many requests for assumption. In fact, in December 2014 OCWEN stated to me that because of the bankruptcy appearing on my credit report I would need to wait another year according to the underwriters. A year later, the assumption was granted. So, OCWEN had access to my credit report long before March 2016 when they indicated they first noticed the bankruptcy. The oversight is well documented.

At all times during the entire six years I have complied with all requests and I have paid this loan on time each month for six years.

The tremendous damage done to me and my autistic son James by the actions OCWEN claims it was compelled to take are all attributable to the error made by One West Bank.

The damage done to my credit reports by having a six year perfect payment record pulled by OCWEN was significant and will take another six years to rebuild.

While I am grateful to OCWEN'S Ombudsman Matthew Parker for offering to write letters to lenders on my behalf, the extent of the damage makes that not a viable solution.

I propose that OCWEN, in keeping with the admission that the error was made by ONE WEST and OCWEN, remedy the situation by accepting responsibility and addressing the problem internally instead of trying to help outside lenders cope with the damages. I propose that OCWEN give me a loan refinanced at 2%, a HARP loan and that the upside down portion to be paid by ONE WEST.

Since ONE WEST caused this devastating situation that went on uncorrected for six years and since they told me at all times that I would be allowed to assume the loan, as did OCWEN and since they did allow me to assume the loan in December 2015, I propose that they restore my name to the loan in the only means possible, by refinancing the loan.

To do this in a timely manner will help stop the damage and let the healing really begin.

I have submitted this proposal to the CFPB as my response to OCWEN'S admission that this whole nightmare was the fault of an oversight by ONE WEST and then by OCWEN when they neglected to see the very obvious public document on my credit report each time I applied for assumption of the loan.

I respectfully submit this request for a special refinance based on what Matthew Parker of OCWEN admitted today was a special circumstance. Mr. Parker told me that I was the only OCWEN customer he knew of in this devastating circumstance. I believe that. It is such a horrible thing to happen to a homeowner that when it happened, it was like being the victim of a natural disaster in terms of shock, fear, loss and disbelief.

OCWEN has already admitted in writing to the CFPB that this six year oversight was caused by ONE WEST. Unusual accidents call for unusual remedies.
Please grant me a tailor made refinancing of this loan that factors in what I have suffered and lost. Place me in good standing on a new home loan in my name and we will continue doing business together as always. I am one of your best customers and will continue to be reliable. The one thing my badly damaged credit reports still show is that I pay all my bills on time. I don't let anybody down. I take care of business. Since I became a single mom, I had to become strong for my autistic son. I am all he has. Strong people do the right thing. Acting like a victim serves no one.

A while back my autistic son James accidentally knocked a ladies smart phone into the pool. The woman almost had a nervous breakdown until I calmed her and told her I would pay for it. I applied for a loan from Jewish Free Loan, interest free loans and was granted the loan. What could have been an endless feud with painful shoulda, woulda, couldas just vanished and peace was restored. I could have made endless arguments as to why the phone should not have been on the edge of the pool or tried to convince her that my son's autism meant he meant no harm....but the truth was she was distressed and overwhelmed by her loss. I got her a new phone. And I saved my son from having to endure gossip and sneers and now I always check the edge of the pool for phones when I take James swimming.

My proposal is that OCWEN and ONEWEST step up and do the right thing. Get my name back on the loan I've been paying and you say that means refinance, so let's do it. Forgive the upside down portion and I will forgive the pain of the damage done. I will be so busy getting back on my feet so I can get my son's dental surgery financed that that I will hardly remember how I felt like I was having a stroke when OCWEN told me, without warning, that they reversed my assumption.

Honda finance can verify that when I bought my Honda in December 2015 I told them via email that this was the BEST CHRISTMAS of my entire life because OCWEN let me assume the loan. From the moment I assumed the loan I began to make good things happen faster. Get me back in the game, restore me, put me back on this home loan via refinancing it and I will never look back. Step up and remedy this situation as swiftly as possible.

Thank you, Mr. Faris.

Sincerely,

Jennifer Elizabeth Marshall

E JEAN CARROLL'S ADVICE TO WRITE TO CEO OF OCWEN

America's most beloved advice columnist underestimated OCWEN CEO Ronald M. Faris's ability to distance himself from the human carnage that is OCWEN.

 

OCWEN does not service loans. OCWEN is a meat grinder that devours loans, spitting out the human remains and laundering the money in the stock market.

 

Ronald Faris would not lower himself to acknowledge this cry for mercy. He has surrounded himself with employees who  are instructed to buffer him from the screams for help that emanate from his meat grinder. Our loans are not being "serviced". We are being processed like cattle, separated from out loans.

 

E. Jean Carroll couldn't have known Ocwen LLP was a meat processing plant, hulling, stripping, husking people from their money, washing the blood off, laundering the pirated dough and investing in the stock market.The CEO who acts civilized in public is the same man who does not bother to differentiate between homeowners who pay their loans on time and those who don't. All OCWEN customers are fed into the meat grinders, even those who have never missed a payment.

 

 

DEAR RONALD M FARIS, PLEASE HELP! MY HOME LOAN IN GOOD STANDING WENT SIDEWAYS!

 

Dear Mr. Ronald Faris, 

E Jean Carroll recommended that I write to you for help. Even though I pay my bills on time and I'm struggling to get a loan for badly needed dental surgeries for my autistic son James. James is in a downward spiral.

For six years I paid OCWEN Loan #7192374**** on time. In 2006 my soon to be ex-husband took me off the loan claiming it would allow us to save money and that he would put me back on the loan once he achieved the savings. What he in fact did was put his car loan into the home loan and then abandoned the home loan. 

I was blindsided but filed Chapter 13 to take over the debts he abandoned.

I spoke numerous times to Ronaldo Reyes at Deutsche Bank and Brandi York at One West Bank about securing the loan and our house for me and my autistic son, James. I got Power Of Attorney to pay the loan and the deed is in my name. 

Since the loan mod of July 1, 2010 I was told by One West and later by OCWEN, that I would be allowed to assume this loan. 

In December 2016 I was allowed to assume the loan and as soon as it was in my name I applied for funds from KEEP YOUR HOME CALIFORNIA to address the upside down nature of the loan. KYHC made a very large payment to make the loan affordable. 

It seemed our lives were finally getting on track. My credit score shot up 66 points last Monday. I began shopping for the  personal loan I need to fix my autistic son's teeth that were damaged by medication, the dental reconstruction is not covered by his insurance. 

Everything was going fine until last week when OCWEN research "discovered" public records that had been there all this time and used that to start reversing the hard won progress that had taken nearly a decade to slowly earn. 

Suddenly my credit plummeted back down and OCWEN reversed the assumption. They say there is no solution.

Please look into this. The OCWEN employees say a technicality is the reason my name was taken off the loan in spite of my perfect payment history. My bank routing number and all records prove I was the only one paying this home loan. I am the only one on the deed as well. 

My son James and I need your help. Just when it seemed we had crawled from the wreckage of the housing crisis, we were pulled back in. And the way the OCWEN employees handled it was like a surprise attack that was even unnerving for Ronaldo R. Reyes of Duetsche Bank.

With your experience I am hoping you know of legal provisions and exceptions that will allow my assumption of this loan with my payment history reported to all the credit bureaus. I believe you are able to see solutions others might not realize. Please help us solve this problem. 

Thank you for your time.

Sincerely, 

Jennifer E Marshall

CC: Ronaldo R Reyes, Deutsche Bank

This is my son James. He is not well.

SURPRISE ATTACK FROM OCWEN MAKES SOME UCLA DOCTORS NOT WANT TO TREAT JAMES ANYMORE

My autistic son James began having sweats, cold sweats and feverish sweats. He began staying in bed almost three weeks out of each month since October 2015. He is in a downward spiral.

The situation became complicated when a medication destroyed his teeth. This medication, Geodon is used "off label" to knock noisy autistic people out and shut them up and it IS covered by insurance for all disabled people in California. You can have all the Geodon doctors want to slam you with but you cannot have any help restoring the teeth Geodon destroys over night. All his teeth are broken and eroded with the nerves exposed, visible. His insurance will not cover the restoration of his lost dental bite. His body began shutting down on several occasions recently. He became dehydrated because it hurt too much to eat or drink. He stopped being able to pass urine. Again and again he would suddenly stop eating and drinking. I bought a juicer to get food into his body when he couldn't bear to eat. We manage to break the downward spiral a few days but the dental pain continues and he slips back into shutting down.

UCLA doctors were not hopeful that with James' insurance that he would ever find a prosthodontist. The dentists who would accept his insurance would just pull all of his teeth. Some of my autistic son's doctors began to distance themselves from James, as if James was destined to "fall between the cracks", not get care he needs and become an embarrassment to have as a patient. One doctor in particular seemed to be suggesting that it was time to put James away in an institution where his death would be less embarrassing. I was mortified that this was being suggested. This doctor wanted James to be intensely slammed with more psych meds. She insisted on pretending James couldn't possibly be crying because his teeth hurt and Ativan made him bleed, faint, have seizures and lose control of his bladder and bowels. Psych meds for dental pain?! This doctor was itching to put James away, to convince others that James needed to be institutionalized and since she did not do teeth, she pretty much commanded that teeth not be discussed at all when discussing why James was crying. We were not allowed to talk about his teeth. "Psych meds for dental pain?" I kept asking even though I was treated with disrespect for doing so. This mean doctor never would have met James if he had not suffered so long from dental pain. She was not James' doctor but she tried to manipulate James' doctors to do what she wanted to do to James, put him away. None of this horrible stuff would have happened if OCWEN had not attacked my loan. James would have gotten his teeth fixed and these horrible people would not be trying to put him away for crying too much.

Dr Parvin, the psychiatrist James saw does not want James on ANY psych meds. He told me to "go around" any doctor who did not want to help with James' dental and abdominal pain. He told me to get James' teeth fixed and rule out bowel cancer. This seemed to infuriate the UCLA primary care consult who fancied herself as a psychiatrist. UCLA did not help with either of these physical pain concerns and maybe that was a blessing in disguise. UCLA had caused the death of several patients by doing bowel exams with dirty equipment. 

UCLA made things worse by trying to make me feel I was not dealing with the OCWEN nightmare fast enough, as if I COULD make OCWEN stop manipulating my credit score on my own, without help. Just as certain UCLA doctors expected me to hurry up and produce $45,000 for the dental surgeries, they expected me to be able to retain a law firm powerful enough to take on OCWEN.

UCLA doctors could probably not come up with that kind of money themselves and yet they are short tempered with a single mom who makes a fraction of their salary and who is NOT to blame for OCWEN attacking her loan. These UCLA doctors tried to make me feel bad about myself, bad as a mother for not being able to come up with these large sums of money fast, even with OCWEN pushing my score down lower each month in spite of the fact that I was paying all my bills on time. It hurt that the supportive UCLA doctors did not stand up to the bully UCLA doctors. 

The biggest crime against all patients that UCLA committed was divorcing teeth from the rest of the body. So many times they would rub my face in the fact that they TOLD me that as MDs they were not responsible for teeth, that I was not to discuss teeth with them. To my knowledge, teeth are part of the body. They are not "accessories" like purses and earrings. They can cause your body to die if they are neglected. UCLA doctors need to stop shaming patients who report dental troubles are damaging their health, especially since so many UCLA patients will suffer tooth damage caused by medications prescribed by primary care doctors. I was repeatedly shamed by UCLA doctors for mentioning my son's teeth.

No psychiatrist ever wanted James on psych meds. Only UCLA primary care doctors and ER doctors wanted to silence James' dental pain cries with sedatives. These doctors seemed bored with how long OCWEN was delaying James' surgery. The doctor who wanted James put away was a consult, a primary care doctor who fancied herself a psychiatrist although she did not have that training. James probably would have died months ago if she got her way. James' body could not take what she was planning to put it through. When Ativan made him bleed, faint and have seizures, she acted like it was no big deal, like it wasn't even happening even with urine and feces running down his legs in her office. We had to pull over and change his clothes several time on the drive to the consult with her. She acted like the thing to do was keep experimenting with drugs until something shut James up when my concern was the the drugs were killing James, just like they killed many people in recent years. You had to be living under a rock to believe these drugs don't kill. When James had an Ativan induced seizure, the ER wanted to start him on very dangerous anti-seizure medications. I only consulted this doctor for help getting James safely off Ativan. Because another doctor recommended that the drug be tapered off slowly, this witch of a consult doctor did it faster than her peer with experience recommended and James suffered a massive seizure three in the morning, the worst seizure ever. He came very close to death and this doctor still probably can't figure out why I don't like her. 

UCLA at least stopped the ER from killing James by doing a test that the ER neglected to do which proved the seizure was drug (Ativan) induced. The Torrance Memorial ER could have caused James' death by giving him anti-seizure medication he did not need. They gave him one dose. UCLA said to stop the medication immediately.

These UCLA doctors seemed angry when I mentioned James' teeth still hurt him. They would sternly remind me that teeth were not part of their job description, as if dental pain should never be mentioned during a check up where James was crying. When James was given medications to shut him up, mostly when UCLA would send James to the ERs, knowing that is what the ERs would do, James would have bad reactions, start to bleed in his underwear from both his bowel and/or bladder. James often got painful crystals in his urine and lost control of his bladder when the ERs slammed him with sedatives to make him shut up for half an hour. James would pass out from the overdosing of drugs like Ativan and Benadryl and he'd wake up half an hour later with his teeth still hurting, plus loss of control of his bowel and bladder on top of it all. UCLA never ruled out bowel cancer but suggested it often enough to scare me. I was a nervous wreck. My son was in pain and UCLA seemed angry at me anytime I mentioned the ordeal of getting his teeth fixed. The looming threat was that if James cried too much from dental pain, he would get slammed with psych medications until he peed and pooped blood. And when that made him cry more, they would up the dose of the medication that was making him bleed and faint. When I demanded that he be weaned off Ativan, he never fainted or bled since. ER doctors still want to give him Ativan every time UCLA sends him there for crying due to dental pain....only UCLA seems to have a ban on using the terms "dental pain" so they often call it "autism" instead.

It's just "autism".

James being in a downward spiral, suffering intense pain on a daily basis, made him an embarrassing patient for certain kinds of doctors. They urged me to hurry and get the $54,000 + personal loan to get James the care he needs, as if I was the only single mom in town not coming up with $54,000 with ease. I told these UCLA doctors that OCWEN LLP was planted firmly in my way and they were not going to budge, they were after our home.

After six years of paying my DEUTSCHE BANK / OCWEN home loan on time and with OCWEN allowing me to assume the loan, my credit score went up 66 points last week. I began the process of getting a loan to get my son's teeth fixed. I was making progress and feeling hope. James has been in acute pain for years now. Fixing the exposed nerves in his mouth will take that pain away and stop the downward spiral he is in now if we get the surgery done before his body completely shuts down.

Because he takes to his bed because of pain, his body starts shutting down. He has developed bladder and kidney problems. He has developed bowel problems. He has fainted five times in the past two years.

A week ago I was making progress towards getting that loan. Out of the blue OCWEN pulled the rug out from under us, AGAIN. OCWEN claimed they found a public record that they had not noticed for NINE years. This record was so old and before my divorce, so old in fact that Transunion dropped it completely from my credit report. OCWEN pretended they just now found out about the 2007 bankruptcy/divorce and pulled my perfect payment history from all the credit bureaus, reversed the assumption and began the process of reversing the 2010 Loan Modification I had paid perfectly for six years. They said the whole loan would come due just like before the 2010 Loan Modification and I could pay it in full or go into foreclosure.

In a matter of hours OCWEN destroyed almost a decade of hard work. Last week I was going to be able to do something that might save my son's life. Without warning, OCWEN employees took that away.

I am asking OCWEN CEO, Ronald M Feris to review the actions that his employees took and research to find a way to restore the loan to me, report my perfect payment history to the credit bureaus so I can get back to getting that loan that will allow me to finance treatment that will reverse the downward spiral my son James' health is in.

Unfortunately, The CEO of OCWEN, Mr. Faris, ignored the letters I sent him:

Dear Mr. Faris,
You can help me save James' life. You can help me end the pain he lives with every single day. I'm not asking for a hand out. I've worked hard and I'm only asking for justice. I paid my home loan on time for six years. I paid all my bills on time. I told James' doctors at UCLA that if my son's insurance wasn't going to cover the surgeries, I would get a loan for those surgeries.

I almost did it.

Last week I could have done it but OCWEN yanked that opportunity away.

There must be a statute of limitations or other provision to prevent an error made by OCWEN from destroying in a matter of hours a perfect payment history spanning six years. It may also be that ONE WEST BANK and DEUTSCHE BANK made provisions that OCWEN never bothered to confirm. The 2010 Home Loan Modification was done by ONE WEST BANK and DEUTSCHE BANK long before OCWEN began to manage the loan that they, out of the blue, destroyed.

Then again, there is evidence that OCWEN has made a habit of reversing loan modifications, making the whole loan due all at once so OCWEN could then steal the property when the homeowner could pay off the entire loan at once. I could not believe this was happening to me. My loan was in good standing, perfect standing. And this practice was supposedly banned by the government. OCWEN was not supposed to engage in this tactic anymore. Yet I have been told by OCWEN ombudsmen that OCWEN was in the process of reversing my loan modification. How could this be happening?

The OCWEN surprise attack on a loan in good standing, supposedly based on old 2007 public records that OCWEN claims they only "discovered" in March 2016, has thrown my son and I back into the housing crisis that we already went though, earned and paid our way out of and survived against all odds. OCWEN has done something that benefits no one (unless the goal is for OCWEN to seize my property) and threatens to keep my son James in a downward spiral that it is very likely he will not survive another year of.

Please, Mr. Faris, doctors are distancing themselves from my son because they don't want to be part of his downward spiral that could end in death. Even the dentist I pay cash to clean James' teeth while we wait until we can afford to fix them is acting distant, peeking around corners at us as we walk to Suzi's office for the cleaning. We are getting sent to the emergency room too often. No one wants to be around a crying autistic child who's pain is not being addressed. The dental cleanings have saved James' teeth from getting decayed while we wait for OCWEN to get out of the way so I can move forward financially and get a loan to fix James teeth, but no one wants to see James now until his teeth are fixed. People are backing away from us the way they back away from homeless people. OCWEN has put is in this position and will not stand down and let us move forward. Why is OCWEN trying to take our home?


UPDATE:
All during this downward spiral I let OCWEN know James was getting sicker and sicker and that delaying his dental surgery was the reason why. OCWEN moved faster....they began to mess up my credit score faster and more often. Mr. Faris ignored all my letters.

SIGNS AND RED FLAGS

"I'm losing my mind!" ~  from M Night Shyamalan's film: SIGNS

https://twitter.com/damejemarshall/status/717744685125476352

One day OCWEN called and asked me to send them proof that they had ever reported my home loan to the credit bureaus.

Another day OCWEN called me and told me to stop requesting that they report my loan to the credit bureaus because they had done so and that was that.

Another day OCWEN called to tell me they would NEVER report the home loan that I have paid on time every month for six years. Never. I could continue to pay the loan but they would NEVER report it to the credit bureaus.

Equifax told me that OCWEN had reported the loan and then yanked it off Equifax. TransUnion and Experion told me the same thing.

That "I'm losing my mind!" scene from M Night Shyamalan's film came to mind:

https://twitter.com/damejemarshall/status/717744685125476352

YOU WILL NEVER GET CREDIT FOR PAYING THIS LOAN

One of the things Ocwen said to me after the FIRST TIME they removed my home loan from TransUnion, Equifax and Experion was:

"You will never get credit for paying this loan."

I paid this home loan on time for six years. I was never late on any of my bills ever since I became a single mom.

 

OCWEN removed my loan from the credit bureaus many times in 2016. It doesn't look like they will stop anymore than a drunk driver will stop mowing down innocent people until his/her right to drive is taken away.

I'm taking care of business so my autistic son will have a good life. OCWEN shouldn't conceal from the public that I'm the one who has always paid this loan.

MAKING A MANTRA OF THE PROBLEM vs BEING OPEN TO A SOLUTION

 

 

 

Dear Mr. Ronald Faris, 

For six years I paid OCWEN Loan #719237*** on time following divorce from my ex- husband who had taken me off the loan, claiming it would allow us to save money. What he did was put his car loan into the home loan and then abandoned the home loan.

I was blindsided but filed Chapter 13 to take over the debts he abandoned.

I spoke numerous times to Ronaldo Reyes at DEUTSCHE BANK and Brandi York at ONE WEST BANK about securing the loan and our house for me and my autistic son, James. 

Since the loan mod of July 1, 2010 I was told both by ONE WEST BANK and later by OCWEN, that I would be allowed to assume this loan. At all times both servicers of this loan informed me that after a probationary period I would be allowed to assume this loan, put my name on the loan connected to property of which I am the sole person listed on the deed.

In December 2016 I was allowed to assume the loan and as soon as it was in my name I applied for funds from KEEP YOUR HOME CALIFORNIA to address the upside down nature of the loan. KYHC made a very large payment of $76,700.00 to OCWEN in February 2016 to make the loan affordable. I received a letter from OCWEN congratulating me for paying my loan on time for six years and informing me that a $5,000.00 HAMP incentive had been applied to the principle of my loan. Hours after I received that letter I was told by OCWEN that my name was being removed from the loan.

It seemed our lives were finally getting on track. My credit score shot up 66 points last Monday. I began shopping for the personal loan I need to fix my autistic son's teeth that were damaged by medication, the dental reconstruction is not covered by his insurance. My son has lost his bite, requires reconstruction of the bite by a prosthodontist and his nerves are exposed in all his teeth. His teeth are all hollowed out like little cups and the pulp is visible. With OCWEN concealing from the public that I have paid a home loan on time for six years, my credit score is suffering. When OCWEN snatched my home loan from TransUnion, Equifax and Experion, they also snatched away the opportunity to get a loan for my son's dental treatment.

 

 

 

 

Everything was fine until last week, March 28, 2016, when OCWEN research informed me that they just "found" in March 2016, public records from 2007 that in reality had been a routine matter of public record visible to anyone long before I negotiated the HAMP LOAN MOD of 2010 with ONE WEST BANK.

OCWEN announced their "discovery" as if public records available to everyone else had somehow been hidden from them.

On and around March 24-March 30, 2016, OCWEN research, with wicked speed, used a very old, 2007 PUBLIC RECORD as the foundation to start reversing the hard won progress that had taken nearly a decade to slowly build. 



OCWEN claimed this public record was "news to them" even though it was at all times visible to the public. Instead of due diligence and REAL research such as consulting with ONE WEST BANK who serviced the loan before OCWEN began servicing the loan and who may have already addressed the issue many years ago, OCWEN research rapidly and at times GLEEFULLY acted on their "discovery" and took my name off the loan I had paid on time for six years. OCWEN began calling me excessively and asking for my ex-husband as if I had no right to answer my phone or be living in my home. OCWEN asked me almost daily to provide HIS social security and call him to the phone....as if their "discovery" also undid the divorce that happened nearly a decade ago. During one of these annoying calls from OCWEN, the woman refused to let me go when I told her I was taking my son to the hospital and needed to have the conversation later. The OCWEN woman told me I could go after she finished reading something to me. I had to tell her that I was sorry but I was going to hang up and take my son to the hospital.

The way OCWEN was conducting business was erratic and unprofessional. Renaldo R. Reyes of DEUTSCHE BANK made a call on my behalf to OCWEN to try to make OCWEN employees stop calling so frequently and stop speaking to me as if I wasn't the one who had paid this loan all these years. Mr. Reyes knows that I have paid every penny of this loan. I am the only person who has paid this loan. Bank routing numbers also confirm this. Only my name is on the deed.

 
Simultaneously while OCWEN was yanking my perfect payment history from Equifax, TransUnion and Experion, they were sending letters claiming that they were indeed reporting my loan to all the credit bureaus and that I could use the letters as proof of this. The OCWEN research team also called me at my home phone number repeatedly, insisting that they were reporting my home loan and OCWEN instructed me to call the credit bureaus to find out why the bureaus were neglecting to post my loan the information that OCWEN had sent them. I did indeed contact the bureaus, over and over, as instructed by OCWEN, over and over.


http://twitter.com/Experian_US

http://twitter.com/Transunion

http://twitter.com/AskEquifax
 

Suddenly my credit plummeted back down and OCWEN reversed the assumption. OCWEN insisted there was no solution, no way to stop this, nothing could be done. I began to receive calls from OCWEN that blamed my request to have my loan reported to the credit bureaus as the reason my name was removed from the loan. Other OCWEN calls indicated that I had ASKED to have my name removed from the loan and that I had asked OCWEN not to report to the credit bureaus that I had paid this loan for six years (on time every single month.) The communications from OCWEN began to become frequent, contradictory and increasingly outlandish. It was not like any "research" I had ever heard of before. It was wild and fast and reactionary. One OCWEN employee said they saw a public record on my credit report and that was the reason they took immediate action without consulting with ONE WEST BANK, the original servicer of the loan. OCWEN was devolving the loan at an alarming rate. No checks and balances. The loan was being dismantled.

I had many discussions with Rita Jacobs at TransUnion. She and everyone at TransUnion bent over backwards to solve the mystery of why my OCWEN loan was missing from TransUnion when two letters from OCWEN stated it was being reported by OCWEN to TransUnion. It was Experion that solved the mystery. They took names and numbers. Experion told me OCWEN reported the home loan to them on March 19, 2016 and then OCWEN yanked the loan and blocked it from reporting to Experion on March 24, 2016. I relayed this information to Rita Jacobs at TransUnion so she would stop wracking her brain to unravel the mystery and she told me she almost called me to report that my loan suddenly appeared on TransUnion, but it was removed before she could tell me it had appeared. I relayed to her what Experion had told me, that OCWEN was doing all this. OCWEN was simultaneously telling everyone via two separate letters which they told me to show to all the credit bureaus, that they were indeed reporting my loan to all the bureaus. At the very same time OCWEN was also pulling the loan from all the credit agencies. Then I received a letter from OCWEN that OCWEN said I could show as proof that that my loan and been removed from my credit reports, as if that was GOOD news I would want to share. The letters only prove that OCWEN went in two opposite directions in March 2016 and caused a lot of stress for a lot of people.

The same thing happened at Equifax....the loan appeared and disappeared. The conflicting and rapid nature of the actions being taken by OCWEN was a red flag.

Please look into this. My name was taken off the loan in spite of my perfect payment history, in spite of the assumption. My bank routing number and all records prove I was the only one paying this home loan. I am the only one on the deed as well. At this stage I'm being asked to accept that this is my new reality, that nothing can be done regarding these rash actions taken by OCWEN. I had been told by Stephanie at OCWEN that the 2010 Loan Mod would also be reversed, along with the Assumption of the Loan. Days later  I was told by Ronaldo R. Reyes of DEUTSCHE BANK that the 2010 Loan Mod would not be reversed.

My son James and I need your help. Just when it seemed we had crawled from the wreckage of the housing crisis, we were pulled back in. In addition to my son's severe and painful dental problem of exposed nerves, UCLA found a tumor on his pancreas in February but that did not explain why he was bedridden nearly three weeks out of each month since October 2015. He is having ongoing tests to determine what has caused him to be bedridden these recent months.  I was so glad that the Assumption had been completed and that my credit score was beginning to reflect the truth, that I had paid ALL my bills on time since the divorce, including but not limited to the OCWEN home loan. It looked like I was going to be able to help my son get care that was not available through his insurance. Getting the exposed nerves of all this teeth covered with composite and caps might help end the bedridden episodes. The dental pain might be so blinding that he is seeking refuge by shutting down. This can and has spiraled into other health problems that result from not moving, being bedridden.

It looked like I was going to be able to qualify for a loan for James' dental treatment. Then OCWEN research began RAPIDLY destroying a matter of HOURS what had been painstakingly established over the span of six years. Wild statements were made by a female employee of OCWEN named Stephanie. She indicated we must go back to the housing crisis of nearly a decade ago when the home was on the verge of foreclosure and possibly cancel the 2010 HAMP LOAN MOD and make the entire loan amount immediately due as it was when my ex-husband made and abandoned the loan. Some of the disturbing things I was forced to listen to were so outlandish it was hard to believe they could be true. When I was instructed to accept that this was the new reality, I knew it was time to contact a supervisor, but none Stephanie's supervisors or even the supervisor's supervisors would return my call, not one of them. The axe had come down and the OCWEN contact I was allowed to speak to indicated the sudden  and rash changes were final and that was that.

The only information I was allowed by OCWEN amounted to a MANTRA of the problem they had created out of the blue. I was told I did not need to speak to you, Mr. Faris, that the people who were doing this to my loan were the people I needed to listen to and that if I did manage to reach you, you would only send me back to them.

A point was reached where the MANTRA was being repeated like a form of brain washing....that there was nothing anyone could do about this, that it was UNFORTUNATE that I was alarmed by all this, but no one could do anything about this. No one. Absolutely no one. I was in effect being told that the investigation was over, the harm was done, get used to it. It was clear that no one at OCWEN that I was permitted to talk to was open to even the idea that there could be a solution. Years of work had been blown up in hours and that was that. No one was interested in doing any REAL research, REAL problem solving to find a solution.

I was told by Stephanie that it was over, they were finished. I was supposed to adapt and accept this new reality that came out of the blue like a bat out of hell. Stephanie was the one who relayed stupendous scenarios of doom, such as the reversal of the 2010 Loan Mod, to me. Rita Jacobs at TransUnion informed me that Stephanie had told me privileged information that I was not supposed to know. The information I had was not supposed to be relayed to the public. Rita Jacobs said I was telling her things that I was not supposed to know, private negotiations between TransUnion and OCWEN. I'm grateful to Ms Jacobs for letting me know that, in effect, I was being terrorized by Stephanie. After learning of that indiscretion, I began to take things Stephanie told me with a grain of salt and regarded her as one of several loose cannons creating problems that need not be.

Stephanie told me she is the ONLY one I am supposed to talk to at OCWEN, that she was at one of the highest levels of OCWEN and she flat refused to give me your contact information. I wouldn't mind if I never spoke to Stephanie again because she is not businesslike and she seems to enjoy delivering bad news and in fact, she enjoys catastrophizing and then patronizing, professing in a very condescending and almost baby-talk tone that she is sorry if her information hurts and isn't something you would want to hear. When I relayed to Renoldo R. Reyes of Duetsche Bank some of the things Stephanie said to me about what was happening to my loan, he was taken aback because it was much worse than the information he had gleaned as to what is going on. I would like to take this opportunity to ask for another contact besides Stephanie. She makes my eyelids twitch and then I hear from Mr.Reyes that much of what she told me is simply not going to happen.

With your years of experience I am hoping you know of legal provisions and exceptions that will allow for the restoration of my December 2015 Assumption of this loan with the restoration of my payment history being reported to all the credit bureaus. I believe you have the ability to see solutions others might not realize because they are limited by very restrictive thinking especially concerning problems they have created. I believe this because you wouldn't be where you are today if you were drastically limiting your thinking. Please help us solve this problem. 

Thank you for your time.

Sincerely, 

Jennifer E Marshall
April 7, 2016

~ To Be Continued ~