Ugh, Best of luck. We were 3 months ahead of our payments when our loan was transferred to ocwen. Never in the 5 years we had our loan had we been late. All our insurance and taxes we payed by us (No Escrow), and were never behind on them. Credit scores were 790ish. One month after our loan was transferred, We got late notice. Didn't even take them that long to start reporting lates to our credit. Somewhere $2200 of our payments had just disapeared. Keep in mind, They had already been credited to the account by the previous servicer. Then few days later we received a letter they were forcing $4400 insurance policy, We already had full insurance policy, Only paid $980 for the year. Interest went up 2%, On what was supposed to be a 30yr fixed APR contract. After 5 months of sending and resending paperwork and proof of payments, It still didn't get fully resolved and even got worse in some cases. Finally hired a lawyer and long story short, 8 months later the Ocwen was fo removed from the title, They were found to be in breach of contract and the contract was voided. While we saved $67,000 because of there screwups, It costed about $5K in up front lawyers fees (Which we eventually recouped from Ocwen). They didn't even really have a competent lawyer, Infact Our lawyer said he it was one of the easiest cases he had in a while, Which sucks, Becuase we still ended up paying him up front.
They still try to report to our credit from time to time, Im actually considering filing small claims against them for violations of the FCRA.
Of course we filed Ch7 BK about a year later, But that is another unrelated and more depressing story.
