My husband and I were with Bord Gais as they offered cheaper electric bills. The bills got increasingly higher so we switched back to ESB and were paying the bill weekly as best as we could. BSI took over the debt and we had had over three phone calls a week. The bill is at 34 euro. This is a disgrace. Neither I nor my husband are now working with four children, three of which are under the age of 3. I really hope somebody can do something about this as I am under so much pressure to pay our bills. I'm worth more dead than alive!
Consumer Complaints & Reviews
I have a very serious problem with NuView/BSI Financial regarding my current mortgage. They acquired this mortgage from CitiMortgage last August. I was in the process of a repayment plan that included $5900 worth of past due mortgage payments amortized over a 12-month period. I have made all of the payments on time and have completed the plan with documented payment history from Citi. BSI has been submitting past due notices since last October claiming that I owe them initially $7600 and then $5400. I contacted them immediately and have been working with Freddy ** (NuView) to identify where this amount is coming from. Mr. ** has been researching this for several months and each time he tells me that it must be unpaid fees from CitiMortgage. I provided him with proof of payment, CitiMortgage repayment agreement and cancelled checks.
While this research has been in process, NuView/BSI has turned over this to Johnson and Freedman, a foreclosure attorney in Atlanta to begin default and foreclosure proceedings. I received 4 certified letters without any signature on the correspondence. I am unable to reach anyone at Johnson and Freedman that can provide me with answers. My deadline is March 20, 2012 and I need immediate assistance and relief. I have been making my mortgage payments to BSI/NuView on a timely basis and there is no reason for any of this to take place. Please let me know the best way to proceed and avoid further embarrassment and legal complications. BSI/NuView has reported the past due amount to all 3 credit agencies and it has damaged my credit standing.
BSI Financial Services took over our loan from Wells Fargo in March or April 2011. Ever since then, we have had nothing but problems. We have always escrowed money for taxes and insurance and since BSI took over our loan they have not yet paid our insurance premium. We found out through our insurance company that we had no coverage (through a hurricane) and our two vehicles were also not covered as they are tied into our policy and they would not let us pay part of the premium due. After many phone calls to BSI and MCM Capital (the main lender), nothing has been done.
A lot of promises to fix the problem, but insurance premium is still not paid. Now we have to pay it ourselves, even though the money is escrowed and part of our mortgage payment. We are not behind on our mortgage payments. I do not understand how a company can conduct business in this manner. I can only imagine where we are going to come up with this money for insurance within the next two weeks. I think BSI Financial should be seriously investigated! We will be getting our lawyer involved. No homeowners insurance coverage or car insurance coverage unless we come up with a premium payment within less than two weeks.
My escrow account has not been managed correctly since BSI Financial took over my mortgage. Every bill for insurance and taxes has gone unpaid unless I hassle with multiple phone calls. I have called 12 times to try to get my recent home insurance bill paid. They never actually answered the phone. They just sent me to voicemail. I have not received a call back from BSI, even though I left 4 messages. I finally just scheduled a bank payment from my checking account. This is the worst customer service I have had in the 9 years since I have owned my home. I pay my mortgage on time every month. I am seriously considering refinancing just to get away from BSI.
Mr. Downs initially applied for a mortgage modification and was denied because he could not provide the documentation fast enough. Mr. Downs does not have access to or own a fax machine or a computer and was repeatedly told to fax or obtain information off the internet of which he could not do. We applied again in February and was working with Latasha Garret who said she would submit our req for modification. Several weeks into that and calling to check status Latasha Garrett was MIA and no one could find Mr., Downs file.
i again sent everything over and the file was given to Miranda Vogus who said Latasha shouldnt have said she would submit the file and I explained that it didnt matter what Latasha should or shouldnt have done. She is a representative of that company and they should uphold and support what she said she was going to do. A subsequent submission was denied for too much income that doesnt exist even by their own admission of calculation and when challenged Miranda Vogus also went MIA and would not answer emails or phone calls. Another call to the main number yielded no results as well.
On or about October 13, 2009 I called BSI after my refinance loan closed to request my escrow funds being held only to pay my LA County taxes. On or about October 27, 2008, my mortgage servicer BSI Financial Services, knowingly and "illegally" sent my escrow impound reserve payments in the amount of $2,246.62 to CentralBanc Mortgage Corporation under the pretext that this was part of closing. It was NOT. The HUD-1 Form does not show any line item for these fund and I was never told or agreed to such. BSI received these funds from my monthly mortgage payments. I paid with instructions that they should pay my LA County taxes only.
These funds were NOT part of my September 2008 refinance. BSI already knew this because CentralBanc paid off my loan to them in September 2008. So they had no business sending Central Banc my money long after my loan closed during September 2008. BSI only had an obligation to: pay my LA county taxes OR return the money to me OR transfer those funds to my new escrow account with CitiMortgage - my new loan servicer. BSI had a fiduciary duty to me - the law required them to return these funds to me within 30 days. I have repeatedly requested my funds be returned. Yet, they tell me my money was sent to CentralBanc. Well that is not my problem, it is BSI's problem. BSI owes me and they must pay me.
I received a voicemail from Karen Reyes (CentralBanc) on April 15, 2009 saying "my escrow refund check [$2,246.62] would go in the mail in the next four (4) days." It did not come, I called Ms. Reyes and sent two(2) e-mails. And I still have not received this refund. My now, it is almost one year and I expect interest on my money.
