You pay your mortgage on time, every month but your lender is sending you foreclosure notices. The company even sends your payments back. It happened to a Petersburg woman. We figured out why and helped her stop the problem.
She's called this home for three decades, but when her mortgage was sold to a new lender, Claireather Mason was at her wits end.
When we asked if she was worried about losing her house, Mason responded, "Yes I am! Because there seems to be no justice. It seems like the mortgage companies do whatever they want to do."
Her troubles started last June. She paid her mortgage, she even has a statement from her lender showing it received the payment and processed it, but then she got a letter in the mail- telling her "We have not received your payment." "You are in default."
As Ocwen Financial took over her mortgage- the foreclosure notices continued and the company never accepted any new payments. Months of returned checks just piled up on her living room table. She'd mail them in, but they would just come back.
"They taped them together and they're still taped together and they mailed them back to me," said Ms. Mason. She eventually called Central Virginia Legal Aid for help, but even letters from lawyers could not get Ocwen to listen. That is- until NBC12 got a hold of the company.
An Ocwen spokesperson told us mistakes do happen- and in a statement said, "Someone from our office will be reaching out to her quickly to rectify the situation."
It turns out Ms. Mason's loan was extended more than 20 years ago through a Housing and Urban Development program.
"Their computer was saying that her loan had matured and the entire balance on her loan has come due, of course that wasn't true," said Mason's attorney Sara Blose.
Mason is now grateful to everyone who helped her.
"They had no did what they did for me. I would have lost my home," she said.
Ocwen is no longer threatening foreclosure and has accepted all of her payments without penalty or interest. Ms. Mason is still angry- though. She feels she did nothing wrong and was put through the ringer. "I was just devastated because I had tried all I knew how to talk to them to explain that I paid my money and nobody would listen."
Mason's attorney says- problems like this are becoming more and more common- and not just with for Ocwen- but for other servicers.
"Their own company just doesn't know what's going on in the records that they have. They're supposed to be the custodian of these records, but they don't look into what's going on with it," said Blose.
Ms. Mason says now that the stress of losing her home is behind her- she's ready to focus on a few renovations. She still has 5 years before her mortgage loan matures. Ocwen has also agreed to take the necessary steps to make sure Ms. Mason's credit records are corrected and restored.
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