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My stepfather had a kidney transplant, the transplant failed, his body rejected it (something with the wrong combo of meds). Anyhow, he was with IndyMac when they offered him a modification and mailed out the application. We submitted the application and within a week received a letter stating that his loan was transferred to Ocwen. Ocwen sucks! I can't get anyone local on the phone and although IndyMac says that the application was supposed to transfer over, Ocwen has no record of it. I have since submitted the modification application to Ocwen (twice) and they keep saying they "don't see it in the system". I've read that this bank is horrible and the calls are outsourced so every time I make a telephone appointment, I get a call from a call center located outside of the states. Does anyone have any experience with Ocwen?