Redd

I. BACKGROUND

A. Complaint Redd sued Ocwen in pro. per. on March 27, 2012, alleging in relevant part as follows: On January 22, 2007, Ocwen opened a mortgage loan account for Redd in the amount of $496,000 secured by Redd‘s property in Antioch, California. Redd signed a promissory note, trust deed, and other instruments evidencing this account.1 Just after the mortgage account was opened, Redd notified Ocwen of errors in the terms of the account

1 None of the loan documents were attached as exhibits to the complaint. and in the computation of the principal loan balance, and ―requested a rectification.‖ Ocwen referred Redd to previous servicers of the loan and refused to accommodate any changes to the loan balance or any other terms of the account. Redd repeatedly notified Ocwen of the mistake and errors in the terms of the contract and sought a reduction in the principal loan balance. She also sought a modification of the terms of the promissory note. Ocwen refused these requests. Approximately a week before filing suit, Redd had received a ―Notice of Default‖ from Ocwen. She contacted Ocwen and was informed no modification to the material terms of the contract would be granted.…