My (now) husband applied for a short sale early March with Taylor Bean as he was laid of from construction in November and with no work in sight he was exhausting his savings and wanted to do the right thing with a short sale rather than just walk away (he's still unemployed).  Have had ONE person look at house (over the past nine months) and luckily they contracted on it end of March for $110K, listed at $119K.  Owe(d) $146K on a $146K 10 yr interest only loan taken out three years earlier (husbands fault, he should have talked to professionals).  Never heard a word from TB except to keep sending in repeat paperwork.  5 months later Taylor Bean is in trouble and the account is transferred to Ocwen.  He had to start the entire process over again and had to submit application twice as they lost it.  Buyers still hanging on and want the house.  Two EXACT homes and one larger on the SAME street and subdivision has sold in the past eight months for $90K, $110K and $95K respectively.  End of September Ocwen said their market analysis indicated $110K was too low (all 3 homes above were in the sales records at property appraiser and we never got a copy of their market analysis).  Buyers held at $110K.  Ocwen never answered and filed a lis pendens on 12/17 and we are waiting to be served (me as homestead spouse, not on loan).  Ocwen sent notice last week that the house insurance is due, it was escrowed the past three years, and when was he going to pay it??  Husband called and found out then that the short sale had been closed (they never mentioned that they filed for foreclosure on the phone) and he explained the three sales above and Ocwen offered to do another market analysis but as slow as they work they won't have it done by time our response to the complaint is due, which we have all the paperwork ready to submit showing that we have a sales contract on the house and his good faith to work with and settle yet Ocwen refuses to cooperate and is being unreasonable and only adding costs by not taking a very fair, reasonable and comparable offer for the house and filing for foreclosure.  This is sickening.  Husband used up all his savings while working with these (insert not so nice word) and they just don't care.  Where was the couple that the court ordered their home free and clear because the bank didn't move on their loan modification yet indicated they were and filed for foreclosure instead?  Not that he wants the house, he has moved out and into my house which I owned before we got married but it is now the principle that these mortgage holders do not cooperate with people and some late payments compared to a foreclosure on his credit was the goal of working with them.  I'm hoping the court would take into consideration the sales contract in which the buyers have held onto for nine months and see his cooperation and order Ocwen to work with him on the short sale.  I'm going to resend all the short sale paperwork so a new application is opened and hope Ocwen sees the light.  Ha, I'm not holding my breath!

The best is when B of A transfers them over to the automated Equator system.  Then you don't know who to call and in the beginning stages you have no one to email.  When you email the general account on the Equator system to try and complain about lack of service, it comes back undeliverable.