Well, I have been involved with ocwen, as the seller, for a short sale for a couple of months and finally, they have countered the buyers' cash offer and have been given a counter to their counter. Now we are waiting for their answer. If they opt to do the auction it will be interesting to see what happens. The bottom line on all of these issues is that complaints can be lodged with any agency the government establishes but frankly, the industry runs the regulators so it is pointless. Banks are wolves in sheeps clothing, predators. Banks are little more than Legalized theives that have high jacked the regulations to ensure they come on top. Laws very rarely protect the little guy only the banks interests. Think about it, they use capital to make loans that they make interest on, why charge interest? The business model will tell you to recoupe opertunity cost, however, they charge a rate based on risk, remember you have to qualify for the loan to begin with. Now think about this for a minute, when you make an investment on Wall Street and money is lost you have little to no recourse for recoupment of your investment. Where is the protection of your opertunity cost? But somehow we have been douped with laws and regulations that do little to protect anyone but the banks. We have the finest politicians money can buy, folks, and if you don't have money, you very likely will find yourself on the loosing end of any endeavor with a bank.