Category Archives: Mortgage Servicers

Recommended Links For Remedies

The links on this page will provide you with invaluable study material, templates and guides. If you are needing a remedy for your particular situation, you may find the help you need in the vast amount of information that will be uncovered in the links below.

Here are some excellent links from Yusef El's site, HighFrequencyRadioNetwork.com. Bookmark these pages for future reference!

PDF files for study: http://highfrequencyradionetwork.com/pdf-files/

Templates and guides: http://highfrequencyradionetwork.com/templates/

Case law: http://highfrequencyradionetwork.com/case-law/

Interesting links: http://highfrequencyradionetwork.com/links/

Here are some excellent links from the Hindsight Radio Family!

Here are the website links

Keith Bey: http://www.keithbey.com/

Dwight Bey: http://www.corporatefreedomgroup.com/

Khalifa: http://www.templeofcommerce.com/

You can order a consultation by visiting any of the websites listed above. You may want to listen to shows from each one at http://www.blogtalkradio.com/hindsight2020 to determine who you want to consult with.

Acceptance of Deed Creator

Create an Acceptance of Deed document FREE!

Create Your Document HERE!

This form will create an Acceptance Of Deed template for your records.

I am NOT a lawyer and THIS IS NOT LEGAL ADVICE.

If you have any questions, I can be reached at Contact Me Here..

After you complete the form and click update, your document template will be produced below the form. You can copy-and-paste the template into your document editing program of choice and work on it from there.

Return to FightTheFraud.com

Resources For Remedies

The links on this page will provide you with invaluable study material, templates and guides. If you are needing a remedy for your particular situation, you may find the help you need in the vast amount of information that will be uncovered in the links below.

 

Here are some excellent links from Yusef El's site, HighFrequencyRadioNetwork.com. Bookmark these pages for future reference!

PDF files for study: http://highfrequencyradionetwork.com/pdf-files/

Templates and guides: http://highfrequencyradionetwork.com/templates/

Case law: http://highfrequencyradionetwork.com/case-law/

Interesting links: http://highfrequencyradionetwork.com/links/

Return to FightTheFraud.com

BofA delivers on $7 billion promise to mortgage customers | 2015-02-18 | HousingWire

BofA delivers on $7 billion promise to mortgage customers | 2015-02-18 | HousingWire.

By Brenda Swanson - HousingWire Newsletter

Bank of America (BAC) is starting to deliver on its $7 billion consumer-relief obligations required under its Aug. 20 2014 settlement with the U.S. Department of Justice and six states.

Bank of America failed to make accurate and complete disclosure to investors and its illegal conduct kept investors in the dark,” said Rhea Kemble Dignam, regional director of the SEC’s Atlanta office.  “Requiring an admission of wrongdoing as part of Bank of America’s agreement to resolve the SEC charges filed today provides an additional level of accountability for its violation of the federal securities laws.”

The settlement went on record as the biggest settlement to date, surpassing similar settlements by other banks like JPMorgan Chase (JPM) and Citigroup (C), which reached $13 billion and $7 billion settlements, respectively.

Eric Green, independent monitor of the agreement, stated in the first of his required reports on the bank’s consumer relief activities that the bank claimed a credit of $8,948,684 for the initial batch of 100 first-lien mortgages. This group of 100 mortgages received various modifications – including forgiveness of principal, reduction of interest rates, and bringing delinquent loans current without penalt. The nearly $9 million in credit is how much those modifications cost the bank.

"Examination of the first batch of 100 loans amounts to a test drive, assessing Bank of America's plan for delivering much-needed assistance to homeowners and its methodology for calculating how the assistance qualifies for credit under the settlement agreement," Green said.

"The bank is extending relief to tens of thousands of homeowners, and in coming months we should get a clearer picture of how quickly the bank has delivered on its consumer relief obligations, how much of what kind of relief has been delivered, and where relief has been distributed," he said.

He did note that the first 100 loan modifications are being used mostly to test monitoring standards and procedures but are too small a sample from which to draw all-encompassing conclusions about the consumer relief Bank of America will deliver in the future.

The loan modifications – including forgiveness of principal, reduction of interest rates, and bringing delinquent loans current without penalty – are meant to help struggling homeowners by making their mortgages more affordable.

Bank of America is required to provide $7 billion of consumer relief  by Aug. 31, 2018. The categories of relief include not only loan modifications but new loans to low- and moderate-income borrowers, donations toward community reinvestment and neighborhood stabilization and support for affordable low-income rental housing.

"For many, if not most, Americans, family and the family home are core values, at the center of the lives they hope to live. Owning a family home is the dream. Losing that home is the nightmare," Professor Green said. "This settlement agreement acknowledges that the bank has committed to do its part to help repair the dream and avert the nightmare for those still in their homes but struggling with their mortgage payments."

Ocwen sued by investors for mortgage payment negligence

Preparing to sue embattled nonbank

CFPB goes after Wells Fargo, JPMorgan for mortgage kickback scheme

Mega banks will pay $35.7 million total

Notary Presentment Services

Notary (Administrative Process) Presentment Services:
Provided by Natural and Divine Principles, SSM

Here is a brief outline of the steps that are normally required for the notary presentment process. Click the link in the top menu or;  GO HERE

This is the simple Administrative Technology that we use to help people find a remedy for some of their financial (primarily real estate) issues. It has proven to be a powerful and superior method to produce a solid Administrative Record that can possibly be used as admissible evidence to obtain and enforce a civil court judgment against anyone laying claim to your property.

Here is a brief outline of the steps that are normally required for the notary presentment process. Click the link in the top menu or;  GO HERE

We truly hope this information helps you acquire the remedy that you are seeking regarding all of your debt issues.

Stop Lawyers From Testifying

 

 

Video | Learn More | American Justice Foundation

 

Stopping Lawyer Tricks ...

Please read the testimonials at right! →Just a quick tip today.

Lawyers cannot "testify".

They do it anyway.

Because people allow it!

The rules forbid it.

You can stop it, if you do what I teach!

You must stop it, if you want to win!

This mid-week Tips & Tactics can only touch on this very important point of lawsuit warfare, but do what I say here (and learn the rest in my leading, affordable, case-winning, official Jurisdictionary step-by-step 24-hour course that everyone is talking about) and you can stop the lawyer on the other side from cheating!

That's right!

It's cheating for lawyers to testify.

Why?

They lack "legal competence" to act as witnesses!

Lawyers lack personal, first-hand knowledge of the facts of their client's cases. In legal terms, we say they lack the requisite "competence" to testify. The only people who can testify to facts are people who have "personal, first-hand knowledge" of the facts. (More about this in my course.)

YOU MUST STOP LAWYERS FROM TESTIFYING!

They will sneak it in whenever they can. They will do all they can to get into the record facts for which they have no witnesses, documents, or things to prove those facts.

Not only that, but they will "testify to facts" for which they have witnesses just to emphasize the facts, and this too is against the rules.

The rules forbid lawyer testimony!

Learn from me and increase your odds of winning!

Lawyers will sneakily talk about facts that they have no witness to talk about, no documents or other things to use to prove the facts they talk about. They will "tell" the court the facts they cannot prove ... against the rules!

It is cheating of the highest order!

But, they will do it ... if you allow it!

It is against the rules ... rules that are your friend!

If you allow it, you weaken your case.

If you allow enough of it, you will lose!

Not enough time today to go into detail about this, but the next time the lawyer on the other side starts leading his own witness or telling the court what the facts are, you jump to your feet and say, "Objection, your Honor. Counsel is testifying. Counsel lacks personal first-hand knowledge of the facts to which he (or she) is testifying. Move to strike."

If the judge allows the cheating to continue, object again!

Many lawyers are afraid of the judges, so if you hire a lawyer and pay the lawyer good money, don't be surprised when your lawyer (who is taking your good money) fails to object when his friend the lawyer on the other side begins to testify! If you have a lawyer, insist that your lawyer objects to any introduction of facts by lawyers on the other side!

People pay lawyers to fight for them, but many lawyers refuse to fight the judge!

But, fighting judges is part of what it takes to win!

And, objecting forcibly is part of the tactic of winners!

If you don't have a lawyer, YOU MUST OBJECT!

Now is the time to order my affordable, case-winning Jurisdictionary step-by-step 24-hour course and study it carefully so you don't find yourself behind the 8-ball when it comes time to argue in court ... at hearings or at trial.

Winning is easy if you learn what I teach in my course!

I know what it takes to win. I practiced law nearly 25 years. I can help you, if you're willing to learn from me!

Pro se people often do not get justice.

Why?

Let's examine a few facts:

  1. Most pro se people don't know the rules.
  2. Most pro se people don't know how to prevent the lawyer on the other side from playing tricks with the rules.
  3. Most pro se people make assumptions about what is "admissible evidence" and stuff that isn't.
  4. Most pro se people don't know how to draft their pleadings or motions properly.
  5. Most pro se people don't know why it's important to write proposed orders for the judge to sign.
  6. Most pro se people don't know why, when, or how to make effective objections in court.
  7. Most pro se people don't understand what facts are critical to winning a case and what facts are of no consequence but only muddy the waters with court-confusing insignificance.
  8. Most pro se people don't know why it's so vitally important to cite controlling appellate cases in support of their pre-trial and trial motions.
  9. Most pro se people don't know how to arrange for a written transcript to be made of all proceedings before the court, so they can control the judge.
  10. Most pro se people waste valuable court time with non-essentials, fail to appreciate the needs of others who have their own problems to bring before the court and, as a consequence, tend to make judges dread pro se cases.

Pro se people who know what I explain so simply in the official Jurisdictionary step-by-step 24-hour course are winning and even getting compliments from judges and even opposing lawyers ... because they do it right!

Read the testimonials at right! ⇒

Not all judges are "against" pro se people "just because they are pro se". Most of the judges I knew in my 25 years were good people who cared about other people and did their best to guarantee justice according to the rules.

But! You must know how to protect yourself!

Pro se parties who know the rules and how to use them to protect themselves from courroom corruption the way my Jurisdictionary step-by-step 24-hour course makes so easy-to-understand don't let crooked lawyers get away with their smoke-and-mirrors tricks!

Read the testimonials at right! ⇒

It does no good to complain after losing.

The difference between winners and losers is the fact that winners learn how to win!

If you want to make it complicated and muddy the pond with all kinds of nutty arguments, you can do so, make the judge angry, and lose when your "evidence" isn't admitted because it isn't "admissible evidence", etcetera.

You can demand your Constitutional Rights, instead of learning about causes of action and their elements that win lawsuits, and you will lose.

You can refuse to learn the rules of evidence, the rules of procedure, and the tactics and strategies my course is so popular for making easy to learn, and you will lose!

But!

If you want to win, get my affordable Jurisdictionary step-by-step 24-hour course now and master the case-winning strategies and tactics I used for 25 years as a case-winning lawyer in state and federal courts.

There is only ONE "Official Jurisdictionary" course!

If you're paying a lawyer, know what your lawyer should be doing to earn his fee and win your case.

If you don't have a lawyer, know what you must do to force the judge do what's right and prevent the lawyer on the other side from cheating.

It's that simple.

My affordable, popular, official Jurisdictionary 24-hour step-by-step lawsuit course will show you how to prepare orders, write powerful pleadings, draft and argue motions, object in court, get admissible evidence into the record, prevent the other side from getting lies into the record, do legal research, compose your legal arguments, and much, much more.

Read the testimonials at right! ⇒

You'll learn how to avoid filing an answer by moving the court to dismiss or strike the complaint or require a confusing or poorly-worded complaint to be re-written.

You'll learn how to use effective discovery tools to force the other side to produce facts that may lead to admissible evidence.

You'll discover how to move the court and demand that the judge enforce your legal rights.

In short, you'll learn how to save money, maximize your winning power, and resolve conflicts peacefully and profitably ... according to the rules!

_______________________________

Once you master the simple concepts I teach, you'll be more powerful than most lawyers I met in 25 years as a licensed lawyer in state and federal courts as a licensed bar attorney!

Click HERE to learn more!

Of course you cannot learn all you need to know about what it takes to win by waiting for my Tips & Tactics each week. You need to learn the case-winning tactics in my affordable Jurisdictionary course that will show you what it takes to win, step-by-step in just 24-hours.

Whether plaintiff or defendant, you cannot hope to win if you don't know what my course teaches.

These tips should convince you to order my complete course ... whether you're a plaintiff or defendant.

If you don't know what opportunities you have in court, you don't have much of a chance of winning!

Let me urge you to order my course today (if you don't already have it) so you won't make the common mistake of assuming you already know everything you need to win!

Remember: Winners are people who know how the game is played to win -- whether plaintiff or defendant.

- - - - - - -

The essential tools and elements are explained in the video you can watch right now by clicking the judge.

Click the Judge to learn more.

You won't believe me, but most lawyers (and nearly all law school professors) don't have a clue what it takes to win. Many law schools don't teach "causes of action" or the elements necessary to prevail. It's true!

Many law schools don't teach how to use your five (5) discovery tools or why you must be courageous and fight the judge and demand your right to get evidence in the record using your discovery tools.

Many lawyers are afraid to upset judges, so they let things slide. They don't object. They don't "instruct" the judge on the law. They just lay back, take their hourly fee, and let their clients lose ... and those who pay lawyers yet don't know what Jurisdictionary teaches about winning are led to the slaughter by their own lawyer.

Sad, but true!

I know what it takes to win. I did this 25 years!

My Jurisdictionary will show you how in just 24-hours, step-by-step!

The Jurisdictionary Method wins lawsuits!

Watch my video and see for yourself how easy it is to use knowledge, stealth, and wisdom to win in court!

See what's important, what's not, and how to focus all your energy where it belongs: getting court orders!

If you gain from watching my video, please forward this newsletter to ALL YOUR FRIENDS by hitting "Forward" on your email program now.

Or use this link to send an email to all your friends. You probably know people who need to knock down judges and overcome crooked lawyers and their dishonest tricks. They will thank you for turning them on to this!

Or, do both! Forward this newsletter AND send emails to friends fighting in court who desperately need to know how to win!

Most lawyers never learn what Jurisdictionary makes so easy-to-learn. People have been telling me since I started Jurisdictionary in 1997 that, "Your course should be required in first year law school." But, of course, that's not likely to happen, because what Jurisdictionary shows you isn't politically correct! I teach you how to control judges, instead of bowing to them, I I teach you how to overcome crooked lawyers and their all-too-common sneaky tricks!

Political correctness prevents justice too often!

Winning lawsuits is a brutal axe fight!

Jurisdictionary is your axe!

Read the testimonials in the right column ⇒

Thousands of people just like you are winning with my easy-to-learn 24-hour step-by-step course. Ask anyone who has my course. Everyone loves it!

If you don't know what my course teaches, you lose!

End of story!

Winners do what Jurisdictionary makes easy-to-learn and don't wait until trial to get justice!

Those who learn my affordable 24-hour step-by-step Jurisdictionary self-help course win ... no matter how high the odds are stacked against them!

Yes! Read the testimonials in the right column ⇒

Winners know how to fight to win!

Losers believe internet fables. Losers get their legal education at the barbershop or on websites or expensive weekend seminars run by people who never practiced law, never went to law school, and don't know mud from sand about rules or how to use them to control judges.

Too many good folks believe mythological silver-bullet easy solutions to their legal problems and, as a result, are losing when they would be winning if they knew what I make so easy-to-learn in my Jurisdictionary course!

The internet is infested with hare-brained schemes that sound too good to be true ... and, like the old adage says, "If it sounds to good to be true, it probably isn't."

Remember: The most dangerous falsehoods are ones we most want to believe!

Why not learn from a real lawyer with nearly 25 years of case-winning experience?

My course is not expensive!

People who finish my course say an average 8th grader can learn it all in a single weekend.

Please read the testimonials in the right column ⇒

If you have a lawyer, you will save thousands in legal fees by knowing what your lawyer should be doing, and at the same time you will maximize your chances for success by making certain your lawyer does what should be done, instead of taking you for a ride to the poorhouse - as happens to too many good people these days.

If you don't have a lawyer, you'll know how to stop the opponent's crooked tricks and control the judge!

To learn more, go to: www.Jurisdictionary.com

Click this link to watch VIDEO again.

========================

My affordable 24-hour step-by-step lawsuit self-help course includes:

  • 5-hour video CD simplifies process of litigation
  • 2 audio CDs present tactics and procedures
  • 15 tutorials on a 4th CD go beyond the basics
  • Free EasyGuide to the Rules of Court
  • Temporary online access while CDs in Mail

Control judges!

Save legal fees!

Defeat crooked lawyers!

Ask anyone who has it: Jurisdictionary Works!

Call Toll Free for details: 866-Law-Easy

Get your competitive edge before the price increase.

Force judges to enforce the rules, instead of allowing the lawyer on the other side twist the law against you!

You cannot win if you don't know how to control the judge and all the lawyers (including your own lawyer, if you can afford to pay one to go to court for you)!

You've heard the horror stories from others.

Don't let it happen to you!

Order my course now, if you don't already have it.

Know the rules and how to force everyone to obey!

Know how to draft proper pleadings, how to get your own evidence in the court's record, how to keep the other side from getting their evidence in, how to move the court to enter orders favorable to your cause, and how to use your Jurisdictionary legal know-how and case-winning strategies to control the judge and win your case!

My self-help course is presented in such an easy format people tell us an 8th grader can learn it in just 24 hours!

Know what you must know to win!

Stop courtroom corruption!

I'll show you how in just 24-hours ... step-by-step!

Control judges and lawyers - or lose!

My "Tips & Tactics" newsletters are only introductions to the complete course you need to win. If you don't already have my 24-hour step-by-step self-help course, go to my website and order now!

Read the testimonials in the right column ⇒

www.Jurisdictionary.com

As Woody Guthrie used to sing, "This Land is our Land," and that includes every courtroom and every courthouse from San Diego to Bangor, Maine. Why let lawyers control our lives with trickery? Why let judges destroy our lives by letting lawyers get away with their trickery?

YOU CAN WIN!

Forward this newsletter to ALL YOUR FRIENDS!

If you aren't involved in a lawsuit or threatened with one today, learn what my course teaches and help others who will be destroyed by all-too-common courtroom corruption if YOU don't help them learn what it takes to win!

There are more than 150 lawsuits filed every minute in the United States - nearly 100 million each year. Try to imagine how many thousands of good, honest people will be destroyed in the next 7 days just because they have no idea how to protect themselves and have nobody they can trust (or afford) to help them win!

Urge everyone to get my affordable 24-hour course!

Do it for your nation ... and for your children!

Dr. Frederick David Graves, JD

Jurisdictionary

================================

Easy Money!

We pay you $24.90 for every affiliate link sale!

Join our Affiliate Program by clicking the link on the left of any Jurisdictionary page. Fill in the blanks, and we'll send you a coded link to Jurisdictionary.

Every time anyone clicks your link and buys the course, you'll receive $24.90

Some of our affiliates earn hundreds of dollars each month just by posting their affiliate link. They write a few words next to the link telling people why they should order the course. Some use testimonials of their own successes to convince people to click their link and order. A few folks are using colorful banners or other ways to promote their affiliate link.

Once you set your coded link in the footer/signature of all your outgoing emails, social networking pages, and web pages you control, there's nothing more to do but sit back and wait for your checks to arrive in the mail!

And, you get the satisfaction of helping others!

Sign up now. Post your link. Start earning easy money!

Click the link on the left of any Jurisdictionary page to get started today!

================================

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Get FREE answers on our Lawsuit Q&A Forums.

The link is on the left of every Jurisdictionary page.

Browse the posts.

If you wish to post a question in an existing thread or start a new thread, click the "register" button at the top-right of the main screen and respond to the confirmation email you receive after you register. A moderator will review your application and approve you a few hours later so you can post.

All posts are moderated for your protection.

Once registered, you can ask questions and answer other people's questions.

Jurisdictionary answers questions, too!

Go to Jurisdictionary now!

----------------------------------

If you don't already have my course order now!

People tell us it's so easy an 8th grader can do it!

If you already have my course, tell your friends! Tell people about it on Facebook and other social networking sites. Everyone will thank you for it!

Learn why the people who wrote the testimonials in the right column are so thankful.

Nobody makes it easier than Jurisdictionary!

Dr. Frederick D. Graves, JD
Toll Free: 866-Law-Easy

 

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Testimonials
I won every one of 11 cases in which I was victim of identity theft ... all due to the teachings of your Jurisdictionary course. Thank you very much!
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My attorney ignored my request to file a motion affecting my closed case. Several attorneys said my motion would not be granted. Using your Jurisdictionary course I filed the motion, and it was granted! Praise God! Thank you!
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You are providing an incredible service to society with your course. I have to tell you it's changed my life. Thank you!
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Defeated a 35-year veteran lawyer I've been fighting the last 3 years. Most of this victory is credited to your course. I can't thank you enough.
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Won my appeal in the 2nd District Court in Florida because of your excellent course.
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Without your course I would have been another casualty of the system.
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I have learned more with your course in the past few days than I have learned in the rest of my life, and I am not a young man anymore.
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Jurisdictionary, in my opinion, is the best investment you will ever make: investing in your own "Legal Education" and it works, I promise!!!
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Your course is the BOMB! Thank you!
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Please believe me, you do not know how much you have helped me already. I will continue to tell others about Jurisdictionary. Thank you.
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I have your complete course and have found it to be the most rewarding study of law I have ever read.
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Another victory! They backed off as soon as they received my demands! You are a prayer answered from the Lord!
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I learned more in two weeks with your course than I did in 2 years of paralegal school. I feel empowered! Your great course is clear, concise, and systematic.
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I've been fighting off 3 collection agencies. I am absolutely ecstatic about my victories. Prior to purchasing your fine program, I was just one of the ignorant societal herd these people prey upon. Your wonderful, user-friendly program is the absolute best $249 I have spent in a long time. My wife overheard the plaintiff's attorney saying, "Don't mess with that guy!" Wow!
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I ordered your course several weeks ago and am really enjoying the fact that I understand the legal process better than I ever thought I could. Your materials and teaching style are great and very easy to follow.
... Allan D.
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You are completely brilliant. I have never seen/read anything like this. I am eager to get this information out to help others like me. Thank you.
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I have had so many attorneys take my money and leave me without representation. NEVER AGAIN! My family and I appreciate all you do. God bless you.
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My attorney kept me in the dark but from your course I learned enough to realize he was trying to take my real estate for himself, and I circumvented him thanks to you!
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I've learned so much that I decided to run for the U.S. Senate seat here. Your course gives me confidence I can be a lawmaker who knows how law is supposed to work.
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Thanks to your Jurisdictionary site, I learned so much that I won favor with the Magistrate and he ruled favorably on every motion I filed. I thank God for your web site, and thank you too!
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... Cincinnati, Ohio

Your cause is urgently important.
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I call it "empowering the people" when I preach Jurisdictionary!
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Thank you for your guidance and the time and effort you've put into the American Dream.
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You are one in a million!
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Thank you for your hard labor and mission. Well done!
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I wish, oh how I wish, I found this information sooner. However, I am well armed now. Your tutorials are my most valuable resource in protecting my rights.
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I have learned more in the last few days than I could have in years on my budget.
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I consider you a hero for the course you've produced and the heart reasoning that prompted you to do it.
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Your information was an angel on my shoulder helping me through the panic phases.
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Since learning from your course my life has changed for the better, and I am finally in control of my formerly overwhelming legal problems.
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... Jersey City, NJ

Thanks to you we are able to get the law in front of the judges and keep them honest.
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... West Jordan, Utah

Ordered your 24-hour course. Followed your plan. Other side had 3 attorneys. Cleaned their clock using your methods. Their case came down like a ton of bricks when I proved their elements were not there. Thank you!
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We filed a Motion to Strike Sham Complaint, like you show in your course. Two hours later the other side called to report they were dismissing the case! We were so happy we were crying with joy. We won! I cannot thank you enough for making it simple to follow.
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... Olympia, Washington

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The opposing party dismissed their case against me. Thank you for the knowledge and insight you provided through your course.
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Your course is working excellently for me. You make this complicated subject simple to understand and, most importantly, easy to apply in the obscure world of law (obscure no more). Most definitely this is an invaluable tool. I will encourage everyone I know to purchase your course! Thank you, for your great contribution to society.
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I can't thank you enough. Everything about your course was amazing. You made this course for ME.
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I won my motion at a hearing this morning. Other people waiting for their case to be called were surprised that I won, because my English is not so good. You are right. Anybody can do this!
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Ocwen Writes Open Letter to Homeowners Concerning Letter Dating Issues

Ocwen Writes Open Letter to Homeowners Concerning Letter Dating Issues

 

Ocwen CEO Ron Faris writes to its clients explaining what happened and what steps the company is taking to investigate the issue, identify any problems, and rectify the situation.
(Below)

October 24, 2014

Dear Homeowners,

In recent days you may have heard about an investigation by the New York Department of Financial Services' (DFS) into letters Ocwen sent to borrowers which were inadvertently misdated.  At Ocwen, we take our mission of helping struggling borrowers very seriously, and if you received one of these incorrectly-dated letters, we apologize. I am writing to clarify what happened, to explain the actions we have taken to address it, and to commit to ensuring that no borrower suffers as a result of our mistakes.

 What Happened

Historically letters were dated when the decision was made to create the letter versus when the letter was actually created. In most instances, the gap between these dates was three days or less.  In certain instances, however, there was a significant gap between the date on the face of the letter and the date it was actually generated. 

 What We Are Doing

We are continuing to investigate all correspondence to determine whether any of it has been inadvertently misdated; how this happened in the first place; and why it took us so long to fix it. At the end of this exhaustive investigation, we want to be absolutely certain that we have fixed every problem with our letters.  We are hiring an independent firm to investigate and to help us ensure that all necessary fixes have been made.

Ocwen has an advisory council made up of fifteen nationally recognized community advocates and housing counsellors. The council was created to improve our borrower outreach to keep more people in their homes. We will engage with council members to get additional guidance on making things right for any borrowers who may have been affected in any way by this error. 

 We apologize to all borrowers who received misdated letters.  We believe that our backup checks and controls have prevented any borrowers from experiencing a foreclosure as a result of letter-dating errors. We will confirm this with rigorous testing and the verification of the independent firm.  It is worth noting that under our current process, no borrower goes through a foreclosure without a thorough review of his or her loan file by a second set of eyes.  We accept appeals for modification denials whenever we receive them and will not begin foreclosure proceedings or complete a foreclosure that is underway without first addressing the appeal.

In addition to these efforts we are committed to cooperating with DFS and all regulatory agencies.

 We Are Committed to Keeping Borrowers in Their Homes
Having potentially caused inadvertent harm to struggling borrowers is particularly painful to us because we work so hard to help them keep their homes and improve their financial situations. We recognize our mistake.  We are doing everything in our power to make things right for any borrowers who were harmed as a result of misdated letters and to ensure that this does not happen again. We remain deeply committed to keeping borrowers in their homes because we believe it is the right thing to do and a win/win for all of our stakeholders.

 We will be in further communication with you on this matter.

 Sincerely,

Ron Faris
CEO

 

We will see how well that works out!