We were never behind in our mortgage, but sent us papers to do modification because of past fees that came from Saxon Mortgage, when they transferred our mortgage to Ocwen in November of 2009. So we go ahead and do the modification, after so much problems with them sending us docs. Not receiving docs and then receiving docs with date about 2 weeks late from when I received in the mail. Well we have finished our 3 month forbearance payments. I get a statement in the mail stating the amount due is 0.00 for August 2010. Let me go back a bit. When... read full review »