This is in no way legal advice. With that said, I am afraid you are on the hook for the note. If nothing else, you in a way reaffirmed the note and lien when you signed the forbearance agreement.
You may also want to read the forbearance agreement closely to se what, if any, rights you gave up by signing it.
The lack of and assignment has never stopped a servicer in the past from initiating a foreclosure. Technically, they cannot do it because they do not have standing to do so. However, when push comes to shove, they will simply rush through the assignment, or if they can’t find the note, they will just offer a Lost Note Affidavit in its place.
You may have sufficient ammunition to slow them down, but you will need a lawyer to fight the fight, and he/she will not come cheap.
Whatever you decide to do make sure you sock away enough money to pay the piper when and if you run out of options.
If you have documented proof that the foreclosure related costs were added AFTER you entered into the forbearance, AND, if you are not in violation of that agreement, then the foreclosure fees are bogus.
Whatever the case, from this point forward, you need to communicate with Ocwen in writing. Stay off the phone.