In addition to the great advice already offered:
- Check your credit to see what sort of damage may have been caused because of this. - Talk to an attorney ASAP to find out how to properly memorialize the unsigned forbearance agreement for when - ooops - I mean IF it shows up with signatures on it somewhere down the road. Possibly as simple as typing up a one page notarized affidavit stating that you never signed that particular document and recording both docs at your county registry. But get actual legal advice on that just to be safe.- Talk to the attorney, your state banking commission, and possibly your AG about the differences in offers that were made to you and what you agreed to vs. what showed up. Granted, all of the negotiations were made over the phone so I'm guessing that you don't have any recording of it to prove that a note modification was offered as opposed to a forbearance agreement. But it's worth getting a legal opinion on - especially since the offer, while it may have been made by a duly authorized employee of a United States corporation, was made (assumedly) internationally, by telephone, by an unknown individual with unknown authorization, claiming to work for Ocwen.
FBI Field Offices, Mortgage FraudWhite Collar Crime Supervisorhttp://losangeles.fbi.gov/11000 Wilshire Blvd., Suite 1700, FOBLos Angeles, CA 90024-3672Phone: (310) 477-6565
White Collar Crime Supervisorhttp://sacramento.fbi.gov/4500 Orange Grove AvenueSacramento, CA 95841-4205Phone: (916) 481-9110
White Collar Crime Supervisorhttp://sandiego.fbi.gov/Federal Office Building9797 Aero DriveSan Diego, CA 92123-1800Phone: (858) 565-1255
White Collar Crime Supervisorhttp://sanfrancisco.fbi.gov/450 Golden Gate Avenue, 13th FloorSan Francisco, CA 94102-9523Phone: (415) 553-7400
Attorney General's OfficeCalifornia Department of Justicehttp://ag.ca.gov/consumers/mailform.htmAttn: Public Inquiry UnitP.O. Box 944255Sacramento, CA 94244-2550Phone: (916) 322-3360 Fax: (916) 323-5341
HUD Field OfficeFresno Field Office2135 Fresno StreetSuite 100Fresno, CA 93721-1718Phone: (559) 487-5033 Fax: (559) 487-5191
Los Angeles Field Office611 W. Sixth Street, Suite 800Los Angeles, CA 90017Phone: (213) 894-8007 Fax: (213) 894-8110 Sacramento Field Office925 L StreetSacramento, CA 95814Phone: (916) 498-5220 Fax: (916) 498-5262
San Diego Field OfficeSymphony Towers, Suite 1600750 B StreetSan Diego, CA 92101-8131Phone: (619) 557-5310 Fax: (619) 557-5312
Santa Ana Field OfficeSanta Ana Federal Building, Room 701534 Civic Center PlazaSanta Ana, CA 92701-4003Phone: (714) 796-5577 Fax: (714) 796-1285
HUD Regional OfficeSan Francisco Regional Office600 Harrison St. 3rd FloorSan Francisco, CA 94107-1300Phone: (415) 489-6400 Fax: (415) 489-6419
California Department of CorporationsFinancial Services Divisionhttp://www.corp.ca.gov/comp/fsdinst.htm320 West 4th Street, Suite 750Los Angles, CA 90013-2344Toll-Free: (800) 347-6995 -- CA onlyPhone: (213) 576-7690
14 month old twins???? Holy cow!! Double the fun!
This is the worst company in the world. I had a loan with Ocwen and after extra fees and trying to trick me into a forbearance I sold my house but now before Ocwen sent someone from Florida to try and offer me $1000.00 to buy it, and not before I paid over twelve thousand dollars to keep it, and I was current on my payments. After I sold the house Ocwen sent me a statement saying I still owed two months payments they need to be sued and everyone who ever lost a house because of them should be paid double for their trouble.
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