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None. My loan was sold without my knowledge from GMAC to OCWEN. OCWEN began to fail applying my monthly mortgage payments for the months designated when sent by automatic bill pay from XXXX XXXX. OCWEN forced my mortgage into arrears by holding payments before applying them, then alleged I was behind. I did not receive notice that my fixed mortgage payment changed. OCWEN verified that my mail was returned undeliverable and knew that I never received notice of a rate increase. My fixed mortgage payments were set up for years on automatic bill pay with my bank. My mailbox was stolen off of my house and I purchased a PO Box to protect my mail. I was unaware that my mail had been returned or that the fixed rate had increased as it was supposedly FIXED. OCWEN later said it was an escrow shortag