I have a pay off agreement from Ocwen for my 2nd mortgage. I've sent the cashiers check WITH the payoff agreement. Ocwen received the check, cashed it & applied the funds towards the loan balance. They said they did not receive the payoff agreement which is a COMPLETE lie. I purposely wrapped the check IN the payoff agreement so it would be seen, I've noted on the check that it was for a PAYOFF. There HAS to be some recourse.