Did You Cash a Check from Ocwen or Referral Assistant 24 or Cross Country Home Services?

You may be owed money if you purchased a home warranty plan after cashing a check. We are investigating Ocwen’s mortgage customers who were possibly scammed into getting a home warranty or home service plan. Contact us for a free evaluation and about getting your money back: Call 424-245-5505 or fill out the form on this page.

What the Case is About

Homeowners were allegedly mislead into enrolling in the home warranty and service plans by Ocwen and Cross Country Home Services. Ocwen customers were mailed checks for about $2.50 that a reasonable consumer thinks is a refund or rebate on their mortgage.  You may be owed money if you purchased the home warranty plans because of their offer. Contact us for a free evaluation: Call 424-245-5505 or fill out the form to the right.

How It Worked

The checks were sometimes called “Activation Checks”.  The checks also come with ads that invite mortgage customers to “cash or deposit” the checks so they “can start saving money right away!”

Ocwen and Cross Country  allegedly advertised the “savings” and so-called “benefits” in large print, but hid the “costs” and “exclusions” with small print and confusing descriptions. 

Contact us for a free evaluation: 424-245-5505

Possible Bait and Switch

Some information was left out of the offer and people did not know they were signing up for the warranty or service. Some negative or uncovered warranty information was left out entirely. The ads on the check failed to make clear that by cashing the check, customers would be enrolled in a home warranty and service plan that increased their monthly mortgage payments by a lot of money.

Ocwen’s mortgage customers were then stuck in a home warranty and service plan costing as much as $500 a year for services customers never use because they don’t know they are buying them. Ocwen also didn’t provide customers with an agreement or contract to review before “enrolling” them in a plan.

Cross Country Home Services may market itself to consumer-oriented financial companies such as Ocwen that have large customer bases. Cross Country, a self-described “leading provider of home warranties, home service plans and home maintenance plans,” may approach these companies with the promise of a new joint enterprise that can enhance the bottom line. Ocwen may have been a perfect partner, as it allegedly had more than 600,000 customers in its high-risk loan portfolio worth more than $125 billion. 

The envelopes that homeowners’ received may have shown Ocwen’s logo, making a reasonable consumer think that the $2.50 is from their loan servicer.  However, Cross Country was allegedly the source of the checks and warranty plans. Ocwen then may have billed Cross Country’s plan fees as an additional line-item on the homeowners’ mortgage bills that Ocwen sends out and collects. 

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