Complaint Review: Ocwen Loan Servicing - Jacksonville Florida

I was awarded my home in a divorce and had five years to remove my ex-husband from the loan. He did Quit Claimed the house to me years ago however I knew I had the five years looming over me. My ex-husband has threatened me for years he was going to make sure I would end up on the street and has been harassing me for years. I starting working with Ocwen from the beginning trying to find out ways to remove my ex-husband from the loan. 

The first few years they told me my only option was to refinance. I could qualify for a refinance because of my single income, however, I was approved for a loan modification in the beginning phase of the divorce. The loan modification is at 2% fixed and my ex-husband refused to sign it on multiple occasions. His attorney at the time said he only would sign it if I were to drop the restraining order I had in place. The court eventually made him sign. 

He expressed many times he would rather the home foreclose and put me and our children on the street. I have been reviewing this information with Ocwen for years. They finally told me I could assume the loan. I had been behind for a year when I had lost a job. They told me once I bring the loan current I could assume the loan. I did finally get the loan current however then they told me I needed to wait a year. 

The final divorce decree gave me five years and that date will be the end of June. I have been paying for this home by myself for 10 years and have lived here for 20 years. I gave up all of my back child support and alimony, in turn, was awarded the home which at the time was upside down. 

Every time I call Ocwen my call goes to India. They have provided me with incorrect information every time I call. I have a relationship manager that reads from a script when we speak. I have applied for a variety of programs they advised me to do... all for naught.

I was served by my ex-husband last week to force me to sell the home. I have nine more months before Ocwen will allow me to apply for the assumption. My ex-doesn't care because he wants me on the street. I once again called Ocwen and asked if there was anyone I could speak with in order to assume the loan before the year. I was on the phone for two hours on escalation number four and the man told me not to worry because I couldn't be forced to sell the house because Ocwen has a lien on it. I told him that is not correct and he argued with me trying to explain nothing that made sense. I told him that is what escrow is for... and he said what's escrow. 

I have tried everything with them. There is equity in the home and if I didn't make the payments and they wanted to foreclose having my ex on the loan will do them no good. They would get their money. I tried to contact their corporate office and all of my messages went to their Ombudsman who I had already spoken to and got nowhere. 

If I lose my home a one bedroom apartment costs more than my mortgage. I live in the San Francisco Bay Area. I am now going to court in early June and might be forced to sell my home. 

If Ocwen provided me with the correct information from the beginning I wouldn't be in this position. I have tried everything and they are the absolute worst company I have ever seen. Important matters like your home shouldn't be responded to by people who know nothing about what they are saying. 

Sorry for the long description, however, I am beyond scared. Are there real people working in their office in Florida because there is no way to reach anyone but India.

If anyone had a similar issue reach out to me. On the same note if anyone has advice I need some right now.