Community Loan Servicing Reviews

He responded that the issue did not need a supervisor, that all I had to do was sign and return the requested document, that it wasn't necessary to answer my question. I asked several times for the name of a supervisor and still he refused, telling me that I was wasting his time and that if there was nothing else, he would need to hang up. If this is the type of employee that this company employs, it doesn't bode well for us as customers. This company does indeed need to be thoroughly investigated.

I paid December, however they applied my payment to a "suspense" account. I called on Jan. 13th to make a payment and was informed that if I made that payment, that it would go to the "shortage" to the escrow account. Currently they are asking for $2,234.99 lump sum for my "shortage", even though I have contacted their insurance department and they state that I owe $14.15. They also harass me daily, starting on the 2nd of the month for my payment, even though I pay by the 15th of each month. They are crooks and should be investigated.

Well, when BSI sent the payment to Bayview, something went wrong, because now Bayview is asking for double payment on the Escrow account. I have spent hours on the phone calling numerous numbers and all you get is these automated services. I have faxed them a copy of the Check that shows the amount for the Escrow payment, nothing. We have received letters stating they will look into it. We just got the Dec statement showing the regular payment with the extra added Escrow payment, so they want us to pay $80.04 more a month on our Escrow. I don't know who is this company? Where did they come from? I was not aware that the first company was even thinking about selling our Mortgage or why would they sell it. What can we do? Is Bayview a Collection Co.

Each time I called before 4:00 pm EASTERN TIME, I received a recording that their office is open between the hours of 8-8, please call back during normal business hours! I called two different numbers from two different correspondence and each time received the same voicemail message. I attempted to use the online account I had set up but kept receiving a message that stated "An error has occurred, please attempt to access your account later." I then looked up Bayview on the internet and was able to find a different number on their website. It was a recording that asked for SS# and other person info. I was so frustrated at this point that I typed in all the information. I requested to speak with someone from the customer service department about billing. I was connected to a man (Jose?) and repeatedly tried to explain the billing error (I have a doctorate degree, I know the communication problem did not lie with me).

He kept saying, "I don't know what your September bill says but you have not paid your bill; are you going to pay your bill?" After numerous attempts to get him to look up my billing for September he said "What are you trying to do, we didn't receive your September payment," he could not have been more rude! Since I believed that I was speaking to someone in the customer service department and wasn't getting anywhere, I asked to speak with a supervisor. He then very rudely said, "You want to speak with customer service?" I stated that I thought this was customer service and to please allow me to speak with a supervisor. He said, "This is the Loss and Mitigation Department because you are in default." Very frustrated now, I asked to be transferred to customer service. I asked about my bill and was told that that my August payment to Citizens must not have cleared before they acquired the loan.

I asked for this to be corrected and was told it would be. I asked about not being able to use the on-line account, as I wanted to see if the correction was really going to be made, but was informed that they have disabled the online account, which is a routine practice when the loan is delinquent! I have never had such a bad experience. If you are able to get through the recording says "You have reached Bayview loan servicing, a debt collection company." I have been paying my mortgage for 22 years and very angry with Citizens Bank for selling it to this awful company. The service is the worst! I just read a couple other reviews on Consumer Affairs about Bayview and now realize that there are other people in the same situation that are still unable to clear up the billing error after many months. If my new statement arrives without the billing error cleared, I am going to post this message EVERYWHERE!

They called back, apologized and said they thought they were only approved to withdraw one of the two payments. They had me make a verbal statement that I approved for them to make 2 even withdrawals on the 1st and 15th and that would handle everything. This month I received a call stating that I was behind again. I told him, I wanted to speak to a supervisor, that I had handled all this last month. He refused and I hung up. What kind of Mickey Mouse organization is this? Can our loans, especially those as important as a mortgage be bought and sold without our approval??

I asked them how is this possible when they did not even acquire our loan till July? And never got a welcoming package as I was told by the agent at Bayview we were told was sent out to us. (They ended up sending one out after our conversation.) They just gave me a bunch of double talk and not a straight answer. My Husband and I have had to call Bayview several times each month and each time we get the runaround and told anything to get us off the phone. Two months ago I spoke to an agent at Bayview that told me if we could prove we paid CITI the June Payment all would be okay and they would stop harassing us over the back payment. I faxed the copy of the cashed check given to CITI for June's payment as directed and it took another month and several phone calls before someone at Bayview admitted they had received that information. But they have never removed the charge from our account with them.

When we talk to them now they are saying we owe for the month of February. These jerks never even had our loan in February and we never missed a payment to CITI ever never ever and we have the statements from CITI to prove it and yet Bayview continues to say we are owe from when CITI had our loan. Bayview has ruined our credit rating with this and will not get it right. We continue to fight with them over this and nothing is being done about it with Bayview.

According to court records on 7/30/2015 Property Sale Cancelled as directed by Hallinan. Notice of cancellation **. On August 27, 2015, two plain dressed men broke into my house at 9 in the morning. When I asked them who they were they wouldn't tell me. When I asked them to stop, they would not. They were loud, insulting, and sought to intimidate me. I had to call the police, (there is a police report **) only when the officers came did the two individuals sent by M&T Bank stop cursing at me.

By then, my lock was broken and my door was damaged. My son, 7, was terrified. Neighbors were alarmed. This ugly uproar went on for two hours. A letter written August 28, 2016 from Bayview Loan Servicing, states that "We have received your loan workout package". For the summer of 2015, I was in constant contact with Bayview and M&T Bank and I have several other letters to prove it. The inspection stating my house was vacant was a fraud. There was never any doubt that this house was occupied by (me) its owner. What happened on August 27 was is a home invasion, followed by harassment, threats, slander, and property damage. It’s six months later they haven’t address anything. I have a right to have peace in my own house. M&T and Bayview have no promissory note to my house. Chase does not know where my promissory note is.

Well here we are several weeks later and no check. I called and spoke to a third supervisor and she stated that she has no idea of how long it will take. So now when I make my next payment I feel this will happen again. This is one of their ways of stealing your money from you. I will be glad when my mortgage is paid in the next few years so I do not have to deal with Bayview Mortgage EVER Again!

Of course it did not happen that way. Yesterday State Farm called to say they heard nothing and received nothing. We cannot afford to pay this amount and should not have to. After THREE hours on the phone, being transferred to 4 different departments, they steadfastly remain that the mortgage has only taxes in escrow. I finally stated that "BAYVIEW HAS CHANGED THIS MORTGAGE WITHOUT KNOWLEDGE OR PERMISSION. This is a contract and as such you have now breached a contract." They could not or would not even get me over to the escrow department! "We don't have those numbers." I gave the agent the number from the back of their own damn monthly statement. After 3 hours all I got is that they are going to run an "escrow analysis" on this account and I am to call them in 2 days to find out the results. **!! The insurance lapses on that same day and they need to receive payment today to process in time.

This is the final abuse from BOA-Countrywide-Greentree-Ditech-Bayview. We already won $1680 in the class-action against BOA and Greentree, but they will not allow us to use the proceeds as needed, instead tacking it on the rear of the loan! I find out that for those who HAD already been foreclosed on, they received a check. To me, this action proves it is OUR MONEY and they are literally robbing us of our just retribution.

Ditech threatened to foreclose over $27 last year (See "A Leopard cannot change his spots"), yet here they are holding $1680 of our money. Now with the turnover of servicing to Bayview, suddenly our loan, which was modified in 2014, seems to have mysteriously been modified again. This modification, by the way, by law or provision put down by HAMP demanded that the mortgage have property taxes and insurance placed into escrow. I hated it, fought against it, but was FORCED to do it. Now it seems Bayview can arbitrarily change the terms of a loan.

I say not and will call foul. This is the end of the line, probably the end of our home ownership, but we will not go down without a fight. We are seeing an attorney next week to find out what action can be taken to force them to be accountable. And I will continue to warn others via this forum of the ultimate in corrupt and contemptible practices from these criminals. And that includes all from BOA to Countrywide to Greentree to Ditech to Bayview.

We had this mortgage since 1999 -- We are all honest people on this forum trying to do the right and responsible thing, but we absolutely do not stand a chance against professional finance criminals such as these. Nor do we seem to have an advocate. If ANYONE knows of how to reach an advocate, please respond to me. To have to move and lose the last shred of basic human needs will be the straw that breaks my neck, but I (we) are so tired of the now 7 years of fighting these miscreants that one tends to be driven to the extreme.

Lastly, I still contend - If WE break terms of a contract - that is considered a breach of contract and therefore renders it null and void. But I wager that is tort law. Banks and finance companies run by their own self-created set of laws. UNREGULATED! But it is exactly what Bayview has done - broken the terms of a contract and therefore a breach of said contract.

If this is how the new WOIA (one excuse used as to why no one contacted me for 3 months) and the TTW participants are assisted in this state (or this region) this will be a worse fiasco than the health care debacle by this state. I will take it to the next level. I do not expect much from NC, but I do expect SOME respect and an advocate of sort because I am trying to become a productive member of society again! I am 57, and my time is running out in more ways than just the ticket's status.

I must make SSA aware of this due to the time my ticket has actually been unassigned. This may cause irreparable harm if I do not. In the meantime, I am still trying to find employment by the online job banks. All I receive are calls from recruiters with temporary assignments for skills I do not possess. Right now, I literally do not know what to do, or whom to turn to for advice and assistance. I had always been an advocate for everyone else years ago, now I need an advocate and one with an aggressive plan. I intelligent, I am educated, I am NOT lazy, and I do not WANT or expect entitlements. I want to be able to support my family again and have pride. I have been kicked by so many agencies in NC in the last 6 months alone that it makes this struggle nearly impossible. Dear Ombudsman staff, you tell me if there is any help or should I simply walk away; admit defeat, and give up all hope.

Another "red flag" was that these liens and judgements were only in my husband's name... not mine. We began researching public records (for free) and found all of the legal documents and none of them matched our address, city or anything. The men listed had the same name and Bayview just tagged them on us... as if we are not already struggling... Over $100,000 of judgements and liens and judgements were credited to us by Bayview. I am not happy, and I am going to have an attorney (that I cannot afford) look into this. If I, a laywoman, could find these records why couldn't Bayview? It is a ridiculous shame how companies kick folks when they are down. I'm not going out without a legal proceeding. They can count on that. Their best bet is to go ahead and approve my loan modification and not play games if they don't want a legal rainstorm to pour down on them.

It has been 5 months since we submitted the offer and they keep claiming that next week they will have an answer and "it is going into underwriting today as soon as we get one more tiny verb misspell on this scratch paper corrected by the buyers". Or "your signature looks more like an initial. Can you change your signature to look like a normal signature." And there goes another 30 days. We have submitted two full priced offers and now a third one - all of which have cancelled due to their ineptness.

I know of one asset manager who has been fired from several servicing companies only to land at Bayview. This woman has destroyed so many lives. I'm sure she is greatly admired by the banking institutes. It appears they can harass, intimidate, break laws and do whatever they want. Nothing is regulating them or holding them accountable for how they manage other peoples money. I need to short sale my house. I need to get out from under this nightmare. Had I know my loan was to be serviced by these neglectful, abusive tyrants I would have never refinanced. They keep holding up my short sale. In the meantime interest is racking up on my mortgage and I am pretty sure this is the reason for their absurd delays. How many people have committed suicide just dealing with these entities acting as asset managers.

I sent them proof of all of my payments and everything was fine for a couple of months when again I got a bill saying I was behind. I called again and was treated poorly. This time they said I missed my April 2011 payment. Again I sent proof. I also told them that if I had missed a payment while I was in bankruptcy, that they were by law supposed to call the bankruptcy courts as well as my attorney and that they were in violation of the bankruptcy code. Since then I have been trying to deal with them. In December I even did a three way call with them and a representative from Wells Fargo Bill pay so she could verify that all payments were made and all checks cashed. The person from Bayview was so mad that she hung up on us!

Today I got a statement from Bayview stating that the payment they received on Mar 2, 2016 is in "suspense". Also twice I have sent them the HOA certificate of insurance and on the statement I received today, I was billed for insurance! I called and spoke with a woman named Maribel, who insisted I have been a month behind for 5 years now. I asked why I haven't been charged late fees and she said my original mortgage doesn't allow it (trust me, it does). She gave me a FAX number to send everything to. I'm going to but I know how it will play out.

I am sending a complaint to the state of TX Department of Savings and Mortgage Lending and I'll see if that gets me anywhere. All I know is that ever since that statement I received in Dec of 2013, I have been so stressed over this, have had countless sleepless nights and am sick of their condescending attitudes. You can count me in on any class action suits! They have got to be stopped!!!

However, in 2008, Washington Federal quickly approved on a $600,000 loan based on our asserts. Upon acceptance of the offer, the bank would not allow us to do our own appraisal, suggesting that the home was going to be auctioned in a week and the appraisal that they had in the file would work to suffice the loan for closing. However, little did we know that the Builder who built the home had 5 homes on the same block with Washington Federal Savings and Loan, and our Realtor made certain that we were getting an awesome million dollar home, (according to the past appraisals) and that we could gain much equity in 5 years. She even mentioned that she almost purchased the home for an investment herself.

The Bank Manager Brian ** led us to believe that the payment would change in the next few months from $4200.00 a month to just over $1900, with a promise to refinance our other retreat home and use the equity to lower the payment with a new program they were offering multi-home buyers. So, we withdrew $148,000 as an early retirement and used that for the down payment. It never happened.

We waited on the approval to lower the payment, which was denied due to the amount of loan and depreciation that hit the market. The purchase was $740,000. with a $150,000 down payment at closing that we were supposed to receive $1800.00 back from the title company for overpayment of the down payment and we had to fight to get that returned to us as it was an overpayment.

Both the Title Company, Branch Manager and Bank made commissions, manipulated the numbers in the file and would make up "bank fee verbiage" to justify the confusion that they said we had at closing. We paid the Mortgage for over five years consistently while diligently trying to lower the payment with the MRC or Re-Modification after a decline in income... Not only did we NOT get to re-deposit the early retirement withdraw back into our retirement, but we're unsuccessful in getting anywhere with lowering the payment to be able to keep the home and try to build from the loss.

Moral of the story was the home was worth about $500,000 when we got the loan and the bank used an OLD APPRAISAL in the file. They stated it was almost a year old and was crossed out and written over by the appraiser to suffice the closing. We had a $600,000 mortgage with a bank that helped ruin our impeccable credit and would not allow us to lower the payment so that we could at least regain our credit to make the payments each month.

We value moral respect and we're willing to continue paying on a home loan of $600,000 knowing the reality that the home's value was about $550,000 and steadily falling in value by the month. We knew that if we would have stayed in the home for 20 years, that we could NEVER make any gains or recover the losses. The house started falling apart, the concrete on the foundation was spitting, the upper lever balcony and much of the roof was never repaired by the builder Sunrise Development - Justin and Christine ** which was all listed in the closing agreement and signed to repair.

We finally moved out in May 2013 and watched the value drop down at one time to around $489,000 on the home. It finally sold in December 2014, after we were long gone, better educated and seeking legal actions, while still licking our financial wounds. The scamming builder who lied for over 5 years was now paid to do the repairs by Washington Federal so they could put the house on the foreclosure market. There was NO Confidentiality in our case and both the builder and the realtor Carey ** from Woodhouse Group were in on the fraud and misrepresentation to us with Branch Manager Brian ** leading the way on how.

We currently moved into our second home which is a mountain retreat that we paid cash for in 2004. We had a small loan with Countrywide Mortgage, which was then sold to Bank Of America. When the previous early tax consequence and losses snowballed into a tax problem, we reached out to start a Re-Modification with Bank of America, which was in the second attempt at processing and nearing a fair resolution and we were almost to closing, when Karen the BOA loan officer that was servicing the process informed me that the loan was sold to Bayview and that someone would soon be contacting me to continue the Re-Modification.

Nope, they had nothing except the loan number and I was assigned to Toby **, who has been the servicing agent now for almost over a year... I have sent over 3 RMA's due to them taking so long and the application needed updated financials. Continuously have called, emailed and left messages. Nothing for weeks and then a letter will come requesting some type of document needed again. WTF??? Is there any resolutions known in a Re-Modification? How is this Legal? Who would be interested in petitioning a Class Action Lawsuit and advocate for people in this unsecured process of wondering if they are going to lose their home.

About a month later or so I received a call from them stating that I was 2 months past due and that I would soon enter foreclosure if I didn't make a payment. I advised them of my last communication which they conveniently didn't show notes of on my account. I was told a supervisor would review the account and call me back. 2 days later I received another call from an account manager stating that they never offer postponed payments and that they didn't have record of my conversation. I urged him to go back and review the recorded call. After a couple of conversations with this "account manager" in which I asked him to review the "recording" he claimed that he hadn't had a chance to listen to it but regardless of what was said that I would have to begin payments immediately and catch up the 2 months overdue.

This company of full of crap!! I once placed an order for a car part from a small company I found online. When I received the order I realized that I got the wrong item. I immediately called to complain about the order and advised them that I think the person sent me the wrong item. Within seconds I received an email with a recording showing how I clearly ordered as the wrong item. So if a small company can go back and quickly send me a copy of the phone call proving that I was wrong, why in the world can't Bayview do the same!! If I was wrong I'm sure they would have done the same. But because they screwed up they claimed that they didn't have time to find or listen to the call and regardless of their findings, I would still have to catch up. There's no accountability with these people. The left doesn't know what the right is doing and worst of all, they don't care! I will be shopping for another lender ASAP!

My point in explaining all this is we are real people with hardships in life. My mother was a nurse's aid for 12 years and my father worked for Meridian health system for over 30 years. It took until 2016 to get him fully insured for medications needed for him to survive. He was paying out of pocket prior to now. They both live off of social security and disability. During the time I had to move with my 2 kids and 3rd one just born, my family was trying to re-modify their home. My mother isn't great with legal paperwork. She is always worried about my father passing and her bills.

She has sent this company BAYVIEW LOAN LLC that her "debt" (mortgage) was passed to. They NEVER ANSWER! I call the bank the mortgage was sold to and they get a Bayview Loan LLC person all the time. My parents have resided at their home for almost 30 years. It's not just a house. It's my childhood home, my sister and brother's memories. My twin brothers' only home they know. MY PARENTS' NEIGHBORS the most wonderful people God could have ever blessed my family with. It's so sad to me people want nothing but to take money. You're not taking money from my family by procrastinating and never answering or yet calling me back as the advocate for my father who can't talk for more than 5 minutes, because of his heart and high blood pressure. You are rude, inconsiderate, heartless, greedy people with one thing in mind... MONEY. The root of all evil.

My parents just want a place to live and have their kids and grandkids to keep coming too. A place they can be for their last days, when that time is to come, a place they worked so hard to have. A place they raised 7 children together in. To you Bayview Loan LLC it's just another house on your desk. To me it's my mother and father having a place to live out the rest of their days. A place I call HOME!!! All we want is to get started on this modification before YOU make it too late for them. They have called, written you, sent you paperwork. I've called and called. Spoke to you several times and you NEVER called me back as promised LaKisha!!!

We live in a world of greed... People who are hard working, veterans of war and taxpayers such as my father. This is the end result. I will hound this company until they wanna hand it off to a professional company that cares about the welfare of a United States Veteran, hardworking retired citizen from Meridian Healthcare, and a long standing taxpayer from his community. When someone falls ill to disease this is how you treat people in hardship... God Bless I will pray for you and in hopes you will do the right thing BAYVIEW LOAN LLC! If you get the chance to read this if it was your family what would you do??? "BE BEAUTIFUL INSIDE, IN YOUR HEARTS, WITH THE LASTING CHARM OF A GENTLE AND QUIET SPIRIT THAT IS SO PRECIOUS TO GOD"! 1 Peter 3:4 TLB.

I would love to be able to write a positive review and commend Donavan ** and Matthew ** for their outstanding service but unfortunately I cannot due to broken promises and endless poor customer service. Bayview Loan Servicing only gives lip service! They come across very nice and act as though they are going to act immediately and promise to get back in contact within 2 days and they never do.

After playing phone tag for a week I was finally able to get them ordered. It took 3 weeks to get them. I read the paperwork and found those figures expired and I would have to order them again. I was on this merry-go-round for 3 months and I was highly upset. Needless to say, I am now 6 months behind. On the sixth month I get a certified letter from an attorney advising me, they represent BOA in the foreclosure proceedings. On the seventh month I get a certified letter from BOA saying they no longer hold my mortgage, Bayview Loan Services does. A month later I get an escrow statement and a certified letter from Bayview. They offer me a loan modification. Of course I am excited and complete the package they send me and include all the necessary paperwork. After waiting 2 months I call to get the results and the account manager tells me I was denied because I sent them the wrong package. I was infuriated.

I admit I did yell. I said, "How could I have sent you the wrong package? I filled out and returned the package you sent me." The account manager (male) said, I was rude and he could no longer assist me. He then hung up. I blew my stack. I admit, if I could have broke his face I would have. To make this long story short, after applying 3 more times for a loan modification I was denied every time. Each time they said I did something or did not turn in something. Now it is over 2 years later and I am waiting to go to court for the foreclosure. I really wish this never got behind in my payments. This all started because I am a municipal government employee and fell victim to furloughs. My salary has been restored and I could pay my mortgage but I am so far behind. If there is a class action law suit, sign me up.

A week goes by and still no response. I call Bayview back again, and spoke with a new rep, who again stated they can't speak with me and will relate a message to my case manager. Said the usual turnaround time is about 7 days. By this time, it's mid June and I still haven't heard a response back. I called back June 23rd, 25th, and 26th and with no response (I have my cell phone records to prove that I called if needed). Finally on June 30th, I had enough. I refused to continue to get the run around. I insisted I talk to someone right away. The rep gave me the name of my case managers, manager name. I left message for Kelly **, expressing my dissatisfaction.

About an hour after I left a message for Kelly, Tambra **, my case manager decides to finally call me back after 3 weeks. When I spoke to Tambra I again expressed my frustration and asked for Kelly to call me back. Tambra refused to transfer me. She apologized and said she can help answer any of my questions. Giving her benefit of doubt, I continued to speak with her. She was very helpful in gathering the information needed and even returned my call with the answers she wasn't too sure of. She then explained to me, that we may be eligible for a loan modification. She sent me the packet a few days later. On June 30th, I read over the requirements for the loan mod and seen that Bayview requested mortgage statements. I don't get statements, so I called Tambra to get a copy. I left her a message. I left another message on July 3rd.

On July 6th, I decided to call and email Tambra. At this point, I just emailed and faxed in the required documents needed to proceed with the loan Modification since, again no response. On July 7th, I called Bayview and spoke with a Tim **, I explained to him that I was frustrated and unsure why Bayview treats their customers with little respect. He seemed surprised and said nothing was uploaded, but it could take 48 hours to show. Since I expressed my dissatisfaction with Bayview, he requested that I email him the loan documents and he will ensure they get loaded to my file and will CC Tambra **, Kelly ** and her manager. Unfortunately he wasn't able to give me the name due to policy. At this point, I'm not surprised. I figured since he was sending the email, someone in upper management would give me a call back as requested. Again, no response.

I've called Tambra and left her numerous voicemails with no response. I even emailed her with a delivery confirmation so I know she received my message. Today is July 21st, and at 1:41 pm PST Tambra called me. I expressed to Tambra that I've calling and emailing her and haven't heard anything back. Tambra said I've never left a message and she's been trying to get a hold of me and that I was rude. I requested to speak with her manager. Tambra said she is busy and will have her call me back. This is the 3rd time I've requested to speak with someone in upper management with no response. I would like to speak to someone in regards to my account.

Dealing with this company is very stressful and illegal practices. I also had a bad experience with American Servicing Co where I began getting checks in the mail from Wells Fargo with absolutely no information on them... no perforated stub attached explaining.. no number to call. This went on for 3 months and then I got calls from law firm and foreclosure papers in the mail. I was baffled but then I realized the checks were the same amount as my mortgage. They made it seem as though I never made a payment and was 90 days late by sending my money back. I was now at the mercy of this company as no one else would touch me.. well lo and behold Wells Fargo had a class action suit against them. So yes BAYVIEW LOAN SERVICES needs a class action law suit... and to be shut down... count me in.

Now they want to add the $7K plus to our new loan? This is a scam but I don't know what rights I have. Bayview claims I am in default of a loan that never closed. How is it that M&T or reputable banks work put their reputation on the line by working with a company like this? There is no question in my mind that we are being bullied and scammed.

February 19, 2015 The Foreclosure Manager directed myself and two others by E-Mail that if we cannot locate a Social Security Number then to use an Invalid Fraudulent Social Security number of 999-99-9999. That is complete Fraud and an abuse of the Government Website with a Fraudulent Social Security Number. I refused to do so.

A young man by the of ** took the time to help me go through the steps. I didn't have any faith in him - I had said to myself he is going to do the same as B of A. Not true. He was sincere. He helped get all my documents together and made sure that I had all papers before I sent them in. Within 2 months everything was taken care of and I now have a mortgage that I can afford on my fixed income, hopefully Bayview will hire more employees like Mr. ** and turn a POSITIVE CORNER and that will be good for all.

In April 2015 we were contacted by Rubin Lublin LLC, (their attorneys) informing us Bayview listed our property for sale June 2, 2015. We immediately send their attorneys a certified copy of the July 2014 letter as well as another copy to Bayview Loan Servicing. On May 15, 2015 Bayview responded in writing stating that they would be addressing all of our concerns noted in our July 2014 letter. However, they have listed our property for sale as on June 2, 2015. On May 19, 2015 we sent another certified letter to both Bayview Loan Servicing and Rubin Lublin LLC requesting that they NOT sell the property AND that Bayview honor their words and properly and thoroughly address our concerns associated with our loan.

** has been assigned to handle our loan but each conversation with him consist of him being rude, unprofessional, loud, disrespectful or him hanging up on us. As of June 2, 2015, ** response to us when we contacted Bayview for a status update was "We're not going to do anything. If you want to contact an attorney, be my guest but we are foreclosing." When asked what about the May 15, 2015 Bayview Loans sent to us claiming they would be addressing our concerns raised in our July 2014 letter he replied. "Whatever, disregard it," I asked to be transferred to his supervisor and once again he hung up on us. We have conveyed our desire to retain this property but Bayview is refusing to honestly and fairly address the repeated mis-management and servicing of our commercial loan.

I called and after 10 days they have not refunded the extra money they took (they did refunded the NSF charges I had in my account due to the extra payment) but the payment amount nothing so far. I sent another email to the Customer Relations Manager and now my emails are rejected. Stressful experience dealing with people that has no clue how to handle loans.

I have contacted Bayview many times, I have faxed the request to have this information corrected with the IRS and in one particular time, I was speaking with **, a customer service rep, and I asked to speak to a supervisor and he just kept asking, "For what? They are going to tell you the same thing, I just told you that they are working on it." I am so furious that they would take my name and report this false information, and why should I have to wait to get this issue resolved when I AM NOT A CUSTOMER OF BAYVIEW LOAN SERVICING, LLC. I would love to file a lawsuit against these **.

I called to speak with David ** who had been working with me since March and to my surprise the customer service agents acted like he was not there and couldn't find him and didn't know anything about my modification. I asked who was having my case, they asked my loan number and transferred me to a rude guy named Marvin ** and he refused to say anything the paperwork I submitted for the modification and abruptly stated that my house had been sold in the auction on Dec 29, to Bayview and I need to move out by the end of this month Feb 28.

He said they would offer relocation help of $1000 and I have to sign something called cash for keys and a W9. I asked why no one had contacted me, he had no explanation for anything. I feel I have been scammed. I called today a number I found on paperwork that David had sent me and was told by customer service that he no longer worked for the company. I too am willing to join a Class Action Suit against Bayview Loan Servicing.

They are worthless. When I asked Albert ** (spelling may be wrong) where I can file a complaint, he had to ask. After about 5 minutes on hold, he comes back and starts explaining something to me that I did not ask. I verified his name and said "So you are refusing to give me an address I can complain to?" to which he responded that he could not find where to complain to. This company is a nightmare and a joke, and they haven't even taken a payment yet. I am not stopping until I get resolution on this. I am so concerned about their incompetence.

Upon doing so my assets manager called to tell me I needed flood insurance, because I was now In a flood zone... Ok had to get a surveyor out $450 to complete the process and I called them because they have been calling telling me I needed flood insurance ASAP. So when I got the information from the surveyor I called Bayview to let them know that I would have flood insurance in 2 days. When I called they told me after corresponding with them, sent them the information for the modification that I had never call them for modification then never received paperwork from me and that I would have to start the process all over again.

I talked to at least 5 people on the phone, no one can find any information stating that I had called them and that called me. I was told that every time you called it was put into notes but my notes have disappeared but the lady in ensured that this phone call was being put into notes. So I asked her "am I going to have to record you, recording me, recording you?" She got upset and hung up on me. I called back and in explaining my situation to another person he told me to resend the documents and he'd fix the problem. I didn't told him that I was filing a complaint with the BBB. But keep telling me he'd fix the problem. But upon calling them yesterday, they don't even know who I am, and have transferred everything over to my husband's name, and can't to anyone but him!!! Urgh the company is a sham and needs to be shut down and a class action done.

I'm newly married and about to be a father soon, these sharks do not care about how people live or die. When is our government going to help the people of this country?? When is fair going to be fair? Anyone have any suggestions?

Once again they opened an investigation and they confirmed I never missed the payment. But they still didn't know why according to their records I was 2 months behind! I had to keep calling them each week and after 6 months and talking to 3 or 4 new Asset Managers (explaining my whole story to each of them from scratch), they finally realized that issue was the force placed HOI. They were double charging me for insurance I never needed, even after faxing them proof that I had my own HOI. During this whole nightmare, even though I called in every week and was disputing all their claims, they kept reporting me to the Credit Bureaus. They destroyed my credit because of a problem that they created!

Bayview is not a legitimate mortgage servicing company. They are not here to help you service your mortgage. The Asset Managers don't know anything about the mortgage business and have poor customer service skills. Their mission is to con you into a situation where if enough time passes without resolutions, you could potentially lose your home. I never did anything that would warrant harassing letters threatening foreclosure. I would gladly join a class action lawsuit.

My mother, a paralegal whom has not done any such work since late 80s, begin her search. The Landlord then said "go so she can do a walk through with the bank or lender and do a DEED IN LIEU so they can get the money and credit terms that keep her credit from faltering." The Attorney for Bayview Loan Servicing LLC would be informative as general question would apply. The next thing they said the loan was not in foreclosure and could not say anything else. What happened in a nut shell? The Tenant is now in foreclosure solutions and if she can evict the tenant she will receive the incentives for doing so. Bayview would then need not to deal with the laws of the PTFA and all is done. The papers brought to Magistrate Court were just Loan Modification terms and did not show any pertinent information. The same Bayview said to discontinue payments to the landlord but it indicated that there was not a tenant but her son's girlfriend who was house-sitting.

The new info put that bait into play. They say they will move back into the condo. The Landlord is in SC and has a whole new life, had filed fraudulent eviction papers and wanted Tenant to lie if anyone asked. The tenant was suspicious and her mother told her NOT TO and was on her way. The tenant if this was true would be happy, the family IS TRYING but it's a lie. Countrywide Loans were not the best and had fraud done with him now. They hauled but???!!!??? The facts are clearer in front of the lawsuit. There's more but I don't trust anyone right now. Please call **. I have more details and they are letting the foreclosure be made not to be either.

FACT: Landlord has Separated from property for two years and tenant was harassed and tormented. The tenant's peaceful privacy has been violated in all ways. Bayview allowed the tenant to evict by taking the property off courthouse sales, requested to file that eviction. I want you out too. I am not that timid and I have been forced by Legal aid attorney and landlord to move without going before the new owners for a process. Tenant's mother wanted to purchase but they are claiming Deed in Lieu and Bayview is letting.

SO, I call again. The kid on the phone said "I don't know why they are harassing you, you have not missed a payment in over a year," so I go back to paying my bills. I continue getting notices, so I call and take to clueless Jarred **, he don't want to talk, he's either too busy or on the other line. He says, "Call me back, just keep trying even if it takes 20 times," like nobody else has a job. All's Jarred wants to do is a home modification, I want to know where my 6,000 dollars went or was going. So I try to get a new representative to my case, no luck, so I go back to Jarred and tell him to do modification, and then we will figure out where my money went, have he has me jump through hoops for a few months, I ask him where I can send money safely, not a good response there, so now he tells me they can't help me. So I should sell the house for them for 60,000... The house is not worth 30,000. My only resolution that I can figure out is to walk away, let them have it, feed up!!!

I asked before the property taxes and homeowners fell due to allow me to continue paying both as I have done in the past. BayView ignored my request and went ahead and paid same unknown to me. BayV has placed all payments for my mortgage in a suspense account and will only apply the payments I make to both escrow and mortgage. Which means I'm always in arrears. A $500 mortgage payment has now mushroomed to $1,300 per month.

It's a waste of time writing to them about their reps. They ignore my comments and keep plastering my account with late fees, when in reality I'm not late, paying my mortgage but they refuse to apply it to the mortgage balance only and until they've collected the $1,300. I just received a statement which states I'm past due for $2,400+. I don't understand their calculations and I feel helpless. They are ruining my credit. I'll try to call HUD tomorrow to see if I can get some answers. In the meantime, I guess we all will just have to let them do as they see fit. What a situation to find ourselves locked into!

As I mentioned, I have been applying for modification for over two years now. I have been in my home for 22 years without one late payment. I lost my job in 2010 and was able to use my savings to carry me through for 2 years. When I ultimately fell behind 3 months they would not accept payment. I regained employment in June of 2013. The circumstances have changed (it's been two years) and I am able to pay but they won't allow the modification to go through! I have a stack of paperwork over two feet high from correspondence with them. Does anyone have advice?

I felt I deserved a lower than 9.25% interest rate for my consistent on-time, in full payments for more than 8 years and lower monthly payments would help in the coming holiday months. In addition, the previous year was not so very good to me. I had $18000 (THOUSAND) in home repairs (not improvements, REPAIRS needed for safely and healthily living in my home), a drastic more than $1000 a month pay cut due a change in my company's pay plans (I have been there for more than 10 years!), car repairs and due to the financial hardships, my credit card debt escalated. This is life, no one's fault, just the luck of the draw all in a short period of time.

However, these circumstance all fell under the reasons to modify on the hardship application that Mayle ** said I had to fill out if I wanted a lower interest rate. She failed to get back to me and I, the unknowing consumer, assumed I qualified since I had 4 OF THE 6 boxes marked for reasons to request a modification. I continuously called for a status update only to leave unreturned messages. Finally, after my payment was past due, Mayle answered and very dispassionately said, "You don't qualify." Nothing else. No, "I'm sorry, Mrs. **, I haven't gotten back to you (She explained this away with "I was busy" when I asked her why she didn't call me back)." I didn't get a concerned-about-my-situation asset manager that said, "I tried to help you and I was unable to make it work. I wish I could have done more but your income disqualified you for any type of review."

Instead I got, in answer to my question, "You make too much money." Nothing else. I tried to ask questions about the procedure but she only answered in very short, monotone scripted few word answers "you make too much money." My biggest concern was why my application wouldn't even be looked at because of my income. The outgoing income far exceeded my incoming income because of the hardships so I felt my reasons should be reviewed based on that, not one item on the whole several page application. If that was the case, there should have been one question on the form: "How much do you make?" I paid October's payment on the last day of October (which was November's mortgage payment).

Moving on with this saga, it was now November. I found out my mortgage was escrowed. Mayle said it was standard when a mortgage got modified. I reminded her mine did not get modified. She said it is automatically escrowed when I apply. I told her she never told me that or I would have given her the info to prove I pay my own separately. She said it was in my paperwork. I reviewed my paperwork, it was not there. I later asked her to tell me where it was and told her I read everything and it was not in my paperwork. Her response: "Well, its standard." She could not or would not tell me where I had signed agreeing to this.

At Mayle's request, I submitted proof that I paid and was current on both my taxes and insurance. She also requested I fax a letter requesting no escrow on my mortgage. I did. I have no money to pay November's mortgage though since I used November's money to pay October's mortgage. And my escrow situation was not fixed. I chased Mayle down several times via phone and got no reply. After a few weeks, Mayle finally answered and said she was out sick. No one could help me because she was my asset manager. I asked her why she doesn't call me back and why I have to repeatedly call her just to stay on top, to make sure I have done what I need to do and things are getting taken care of. Her response "I am busy." At this time, she said she couldn't find the proof and letter I faxed in and requested I do it again. So I did. I have not made my November yet because I was waiting on Mayle to call me back about getting it fixed. But money is tight anyway due to the time of year and me already struggling from initially in October when all I wanted was a month extension.

Moving to December (which by the way netted another $1000 car repair so I could get back and forth to work), Mayle still had not corrected my mortgage. In December, my mortgage was still escrowed. I found out because my insurance company called me and said it was cancelled by my mortgage company. Here I go again. I chased Mayle down again and she said I had to get the refund check from the insurance company and mail it to them. Once I did that, they could unescrow my account but they couldn't until I paid them back for their own mistake that they refused to fix themselves and because BAYVIEW paid my insurance without my authorization. This was not easy, I had to spend so much time these past few months being a gopher for Mayle who constantly requested I fax this, get that, mail that, fill out this etc.

I began to feel that Bayview is one of those mortgage companies that deliberately make your life miserable so you will give up since human nature is to take the path of least resistance. Finally Mayle suggested I get put on a repayment plan for the 1 month I needed to make up. (Why didn't she suggest this when I asked for a 1 month extension instead of a modification?). I agreed after Mayle said I could pay it all off when I got my taxes but first I had to pay. I paid $500 on 12-12-13, another $500 on 12-23-13 which apparently was still escrowed and I do not know how my money was applied to my mortgage.

On 1-3-14, $554 was applied to my account. It was the check from my insurance company that I was able to get refunded to me. This also caused further issues with my automatic EFT that paid my homeowners insurance. I don't know where this money is going, I am paying what Mayle said I had to. On 1-22-14, I paid my standard mortgage payment of $920.74. I called Mayle again, I was still escrowed. She said I had to fax in a request to get unescrowed and provide proof. I reminded her I have done that several times for her. She said I had to do it again and it had to go under review. I did. AGAIN.

Now its February. I received a statement that said I was due 2-1-14 (Mayle said my due date changed due to the modification even though I didn't get a modification and my due date was now the 24th of each month). The statement also said if I did not pay by MARCH 16, 2014 it would incur a late fee. DUE 2-1-14 BUT NO LATE FEE UNTIL MARCH 16 2014? The remittance portion of my statement said it was due JULY 24, 2014. My statement is still reflecting escrow. My suspicions that Bayview does not have it all together were confirmed with this one statement. But I paid $1200 of my $1086 agreed upon repayment plan. I immediately called Mayle and asked how much was left so I could plan to pay out of my taxes and by March be ready to make a standard $921 monthly payment (because clearly Bayview doesn't care about their mortgage payers to help them for just 1 month out of 8 years because nothing bad should ever happen to a Bayview Loan Servicing payer and if it does and you ask for help, they will make your life a living hell.

Mayle ** quoted me upwards of $2800 to get current. I asked why, she said I was escrowed and had to finish paying for that to get back on track. I reminded Mayle about months past of me providing this info she requested to get unescrowed. She acknowledged, said to call back Friday and she would have it figured out. I called back Friday, she still said I had to pay the escrow because it was going to take a while for review. I asked Mayle why she didn't help me, I told her I felt she was deliberately doing this. I told her she had no compassion and all I wanted to do was pay my mortgage payment. I told her I did the right thing by contacting them before I knew a financial hardship was coming and all I wanted was for her to help me get it back to where it was but she will not follow through with what she tells me she will do, she will not manage my account appropriately, she keeps making me do the same thing over and over again and she will not even call me back.

I asked her why she would not help me and why she won't get it taken care of. I asked her why I keep getting the run around from her. I told her I was tired of chasing her down just to get the same scripted response from her each time. Her reply to me was, "I'm not the one calling you; you keep calling me so stop calling me." I attempted to get help from someone else because Mayle clearly didn't want to help me.

Every time I called, I got transferred to Mayle's voice mail. I was finally able to put in an incorrect account number numerous times to talk to someone else but each time they asked for my account number, they immediately transferred me to Mayle's voicemail. Eventually I started each conversation with, "Don't transfer me to Mayle **. She told me to stop calling her." This got someone to listen to me before they immediately transferred me. Of course neither Heather, Sergio, Jose, Douglas, Jusette, Kyle nor Guillermo could help me. Trust me, it is not for lack of trying to get this resolved on my end. As you can clearly see, I do everything Bayview has asked me to do. I am paying, I am calling for follow up and status etc. so I am clearly trying to get it resolved and not ignore an issue.

It's March 2014, 5 months later. I am still fighting to get my mortgage fixed. Most of the above mentioned representatives saw the notes or at least some of the notes. Douglas said it would be resolved no later than 3-14-14. I called back, it wasn't. I spoke to Guillermo on Monday 3-17-14 and he said I needed to provide proof of paying my own insurance and taxes. He advised I just continue paying the escrow and once they get it resolved, they will refund me. REALLY? They have been working on resolving this issue for 5 months now. On that very same day, I went to the tax office and had them fax to 305-646-4520 my proof of taxes paid.

I called my insurance agent who three-wayed with Guillermo to have me authorize him to discuss the insurance portion requested. I was assured it was good to go. I called back 3-18-14 and was told that it was received and would be resolved by Friday 3-21-14. It wasn't. I tried to call and get a status but after I got placed on hold, the phone disconnected EVERY SINGLE TIME. After the third time, I stopped calling. On 3-24-14 I attempted to make my ON TIME payment online but my account reflected I was past due and had to call. I was not past due. So I called. The automatic system advised I would be charged an additional $5 to pay by phone. I will not pay an additional fee for Bayview's mistake. I finally got through to Kyle who would be happy to assist me for a $10 fee. I explained why I refused to pay the additional fee, he reduced it to $5, I still refused.

He finally waived it and I paid my MINIMUM payment. Kyle said it was noted that it would be resolved by 4-4-14 AFTER I SUBMITTED ANOTHER LETTER REQUESTING NO ESCROW. I asked Kyle why I had to submit yet another letter, I had already submitted multiple times and Guillermo and Mayle should have copies. He said it was his experience that if just do what they say, it goes much quicker. I asked him how many times I had to submit it, he said he could only advise me it would be better if I just submit it again. I DID NOT submit another letter as I am tired of being the butt of Bayview's jokes to see how much of a puppet I will be for them.

March 24, 2014, I received a letter from Bayview thanking me for being a valued customer and that they received a request for MORTGAGE ASSISTANCE ON MARCH 21, 2014! This never happened. I did request assistance since OCTOBER 2013 and was denied. The letter also advised me that should they need additional information, they will be in contact with me within 5 business days. Really? I have been chasing them down for 5 months JUST TO PAY MY MORTGAGE. The letter also promises IF I PROVIDED COMPLETE INFORMATION, THERE WILL BE A RESOLUTION NO LATER THAN 4-4-14.

At the beginning of this ordeal, I never expected I was going to have to go through this. I had always paid my mortgage, I had never had any issues because I never communicated with Bayview. I just paid. I trusted Mayle when I first initiated contact to get a 1-month extension and she steered me toward a modification. I thought I was doing the right thing by contacting my mortgage company instead of going deliberately delinquent and not paying my responsibilities. Because I never anticipated my life to be turned upside down, I was negligent in keeping accurate records in the beginning. Due to my inexperience, I failed to log each contact but I know when I am being done wrong and I do have copies of everything I have signed and faxed in, just not each date and who I spoke with initially.

Who knew doing the right thing would turn out to be one of the biggest mistakes I have ever made? I now understand why people give up. I understand more why mortgage companies make your life miserable. I understand why people don't more often try to do the right thing. I won't lie, the thought has crossed my mind to find a lawyer to look into this. I don't know how though. The thought to walk away and let them have my property is heavy on my mind. I can rebuild my credit eventually. I can let another homeowner take the $18000 home repair costs while I pay less for rent. It would be better for my finances, my stress level and my emotional well being. But this is my home. What should I let a shady company take it away from me? I need help. I don't know what kind or from who but I know something is not right at Bayview Loan Servicing. IF ANYONE KNOWS HOW, WANTS TO JOIN FORCES AND TRY TO DO SOMETHING, LET'S BAND TOGETHER!

Deutsche Bank is who they deal with. It makes them more money and the lawyer had told me he knew them well as if to say they do this to a lot of people. So I called them again. I asked to pay. They refused to take $ and said that I needed the full amount or they would put it towards something else so I sent them a certified letter with a check for some amount and on that check, I wrote this payment is for my account # and so to be deposited and must go towards payment for mortgage # and they received it and it worked. That's when it started to get worse with them.

They acted like they wanted to help me but tried to make me feel incompetent. They said I didn't understand them and that they couldn't talk to me. That's what they said. I allowed them to speak to someone else in my family and they seemed okay with them because they do not know anything whatsoever and basically said yes to everything. I ended up paying my back mortgages and they in turn now charge $100 extra for processing each month. You are dealing with a money hungry business.

My advice is never refinance ever, never use a broker even if it's your friend, and know that if you act dumb on the phone, they will listen to you or at least act like it but beware they do not deal well with people who know a little about their rights. Check the complaints in BBB. Banks cannot deposit a check to use for something other than paying your mortgage if it states it on the check itself. Sending extra to pay down? Beware. This bank has penalties up to $40k for paying early. Have problems, ask for your signed original and see what happens.

I called two weeks later and was told the check went to my old insurance company, nobody knows why. I called my prior insurance company, they said they never received the check. I am in limbo. Another problem I had a claim over a year ago, my basement was destroyed by water, it is going to take about $50,000 to bring it up to speed. I have to self contract because I only received $12,000 from my insurance company which Bayview is holding in an interest bearing account! Sent them proof of work done, they said they would release the funds, I have called, I have emailed... no response. This is not a good company to do business with.

After months of this, we find out there is a sale date on our property and my husband and I gave up and decided to move. We were planning on moving all of our belongings out before the sale date, but we live at over 10,000 ft in the southern mountains of Colorado and the weather can be hard to deal with in the winter. This was in November. The sale date was November 20th. I called the attorneys that handled the foreclosure, explained the issue and asked about eviction procedures. I was told it takes almost 30 days or longer usually, but they didn't have any eviction papers on us. I asked what happened after they got them from BV and was told that I had to be either served personally by the sheriff's department or the notice had to be posted at the residence. None of this ever happened.

We had a really long steep driveway and every mover we called claimed that even if the driveway was plowed really well, they would have trouble getting a truck up it. So we got our own truck lined up, found a few friends willing to help for a small amount of money and beer and planned the move. It then snowed every week for the next 4. So all this time, I am checking the property, taking some things and making sure there were no notices. So the week we get a break in the weather, my husband goes to check what we need to do to get the driveway under control and found our locks changed and the driveway plowed well enough for a SUV to get up it. I called BV and asked about notification. The guy I got kept asking for my account number, I said I don't have it, all my paperwork is in the old house and it's locked!!!

So after the 3rd time, he asked me, I got a bit snippy and said, "I still don't have it, look it up another way." He told me that "I would get nowhere with that attitude". I was stunned actually and said, "Ok, enough, let me talk to a supervisor." He says, "No, I won't let you and we don't have to talk to you at all" and then he hung up. After several minutes of admitted cursing, I called the Sheriff and the county court to find out if they had received ANY paperwork. They had not. So here is the big kicker. We went by a few days later and found our house trashed. Our bed (mattress and boxspring) was lying in the snow on our old porch. The microfiber couch was upside down on the railings, one of the chairs that goes with the couch had the back ripped off.

My husband went and looked in all the windows and found everything else had been bagged in construction trash bags or was gone. He went to his tuff shed and ALL of his tools were GONE. I don't mean in bags, or in storage waiting for us to pay the storage fee and get them back, but GONE. We had a 5th wheel on the property that belonged to a friend, it was also gone. I called the Sheriff again, the court again and the lawyers again. Their own lawyer had trouble getting them to respond. I finally got a call from a man named Marvin, who asked me what my issue was and that it shouldn't have taken that long to get our stuff out. I said it's been 5 weeks since the sale, and it has snowed every week, not to mention that there was Thanksgiving, Christmas and New Years in there. He also told me that his "agent" had told him that the house only had debris and trash in it, nothing of value so they didn't need to post eviction papers.

I of course told him that was a big fat lie and proceeded to give him a small list of the furniture, tools and clothing left there and he kept saying, "Well why didn't you come get it?" So he knows it was there, but is saying his agent says nothing was there. If he wants to know why I didn't get it, then isn't he admitting to actual furniture and stuff being there? I told him that if the week before when I had called and told them I wanted to come get my stuff, the guy had let me instead of hanging up on me there would be no issue. So anyway, I need help. We have lost everything and I need to know what my recourse is, if any.

He then replied," Ahhhh, do a loan mod," to which I replied, "I don't want to do a loan mod, my husband is now disabled and I have lost my job." Next reply, "Do a deed in lieu." After his limited explanation, this did not seem to be what I wanted to do either. It was as though he was going through a prompt book and had NO idea what he was talking about.

I then hired an attorney to see if he could find out what the status of the loan might be. Checking at the courthouse, he found that the referee from JPMC asked the court to dismiss (w/o prejudice) the foreclosure. No one had notified me of this, prior to my attorney reading the court documents. My attorney said, "The only way this could have happened is if JPMC does not have the original documents and they cannot foreclose w/o them. This happened a lot after the depression and the Civil War, when documents were lost. The mortgages were known as Zombie Mortgages."

Nothing happened for months, but a few calls from Ricky ** and Carlos, who would not call my attorney unless I sent them documentation allowing them to do so. This is understandable, but they insisted it be faxed, not emailed. Since an email can be used as a legal document, this surprised me, but not entirely when it can to BV and Carlos. When my attorney contacted me in June, it seems BV wanted permission to do an appraisal. This was granted with the agreement that BV would send us a copy of the appraisal. They never did.

In August, I received a letter giving me less than two weeks to agree to either a short sale at $375,000 or a loan mod at $396, plus advances (??) they have made. My attorney went on to write, "He (Ricky) could not tell him what the number was over the phone. I assume it would still be quite substantial and probably at least in the $500.000 range." The property, which has been in my family for over 47 years and is 100 years old, was scheduled to be auctioned in less than two weeks, on Sept. 5! I had just received a handwritten envelope with my name and address on it stating this fact. Nothing from the court was sent to me.

A week later, my attorney received notification from the court. Leaving us ONE WEEK to negotiate something. It seems an attorney for JPMC had surfaced and stated in court that they now had the proper documents to proceed with the foreclosure, which was granted. The unusual thing was that this document was written two years prior to being filed and ON THE SAME DAY that they asked the court to dismiss the foreclosure. "The right hand just didn't know what the left hand was doing, Your Honor." (In April, I had received $1000 as part of a settlement from a Class Action lawsuit against JPMC, for improper business practices, etc.)

Immediately after this, my attorney asked Rickey ** for cash (we were up to $20,000) and a waiver of the deficiency when Ricky stopped returning calls. Many calls went unanswered. Emails were not returned either. When I finally called him myself (the day before I filed for bankruptcy and the auction). He yelled at me that he "had other paperwork to do and that (I) should have done this months ago!" I said, "I only learned of it two weeks ago." He continued yelling. I asked him to call my attorney because I was going to file for bankruptcy to stop the auction. Amazingly, he called. Of course the same words were exchanged between my attorney and Ricky. When my attorney said, "My client is going to have to file for bankruptcy," Ricky yelled, "LET HER!"

I proceeded to file, knowing that this was the only way to prevent BV from coming after me for the deficiency which was over $300,000. Their word means NOTHING. It is a constant SHELL GAME. I have documentation to prove it. After I filed, we contacted BV again to see if we could continue to negotiate. No, Ricky was not handling this anymore. We were to talk to Daniel ** who handles Bankruptcy cases. As was the usual case, he was very difficult to reach and did not return calls easily. To have any money offered for a DIL, I had to submit a Hardship Document. Of course Ricky ** never had mentioned this at any time. They then did a title search. We are still waiting to hear from them.

The most interesting part was THEN receiving a letter from Daniel introducing himself and telling me he "could help me with a loan modification if I would just call the number below." The night before the bankruptcy court appearance, I got mad. I began calling the number at the bottom of Daniel's cheery letter. It is at a call center in Tennessee. I called and left a message four different times with four different people, going higher on the chain, each time. I finally received a call from a VP (Sergio ** 877-243-5488) at 6:58 pm. He listened to my story and told me I did not need to call his boss (Chris **, Managing Director) again, that Daniel ** would return my call or my attorney's call. If not, I was to call him back on his direct line. Daniel did not and my attorney called Sergio at the number above. Daniel responded the next day by calling me (which I had asked him not to do, but to "please call my attorney"). He said, "Let's just forget the past and move forward." Oh Please.

We wait. I have sold furniture to pay for a rented truck to move, lost my home, moved out entirely, filed for bankruptcy and still have NOTHING FROM BAYVIEW. This is the WORST COMPANY IN BUSINESS. Someone should put a stop to what they are doing to the public. If anyone has suggestions, please let me know. I might add, bankruptcy is the last thing I ever thought I would be doing in my life. I was not raised to do anything like this. I know how damaging it is and that it is public knowledge. I am humiliated and at 66 years old, I do not need this emotional trauma in my life. My husband is having heart issues and will be hospitalized in the next week. The stress is unbearable. The bankruptcy court attorney asked for the appraisal. When he was told Bayview would not give it to us, he smiled and said the "Court will subpoena them."

I contacted Cenlar several times to see about doing a loan modification and each time was told that they would not modify my mortgage while I was current. I was told to stop paying, wait until I was 60 days past due and then recontact them. At that time they would do a modification for me. I did as they said, and became 60 days behind. After talking to several people at Cenlar who were less than helpful, I began receiving mail from Bayview. No one had told me that Bayview was going to be handling my loan for Cenlar, so the first couple of things I received from Bayview, I threw out thinking they were the normal refinance junk mail you get when you are behind on your mortgage. Finally I figured out that Bayview was acting as the agent for Cenlar and began speaking with Andrew at Bayview.

Andrew was at times helpful, and at other times combative depending on the day. In the beginning I was happy, because it seemed that I had finally found the right person to talk to to solve my issue, and he knew exactly what to do. Andrew mailed me a packet of paperwork which I filled out and returned via fax with all of the additional items he had requested, such as pay stubs, etc. After a week or so, Andrew called and gave me a list of additional documentation he would need, including several documents I had already sent in. I faxed all of the new documentation and re-faxed the other documents. Another week went by and Andrew stated I had to send in new bank statements because even though I had sent him 3 months' worth of statements only 2 weeks prior, it was past the first of the month, so I had to send in another month's worth.

I faxed in another month's worth, and was told I had to fax in all three months again, even though I had previously faxed the first 2 months. Andrew would then tell me he was submitting the file to pre-underwriting. About 2 weeks would go by and invariably Andrew would tell me that he needed a copy of something else, and by the time I got him that document in a day or so, I had to re-fax other documents because now they were too old to be used. This "cycle" continued for 6 months. Once Andrew said I had to fax him all new bank statements because I did not fax a blank page of paper at the end of the statement. He kept telling me that the loan modification was looking good, that there was no need to make any payments to Cenlar during this process, that he was sending my loan to underwriting, and that I could ignore any letters I was receiving from Cenlar's attorneys about foreclosure.

After 6 months of faxing and re-faxing, Andrew finally told me he had all of the necessary paperwork, and had submitted my loan to underwriting on Monday, and would call by Friday to let me know their decision. I waited a week and a half and didn't hear anything, so I called Andrew. He went to look up my loan in his computer and told me that the loan was no longer available to him, that Bayview was only given 6 months to do the modifications by Cenlar, and that Cenlar had taken my loan back, and I should contact Cenlar. I asked Andrew if I would have to start this whole process over, and he said no, that when Cenlar took the loan back they would also get all of the documentation I had submitted to Bayview.

I contacted Cenlar who at first told me they had all of my documentation, and the loan would go directly to underwriting. A week later when I contacted Cenlar they told me they had none of my documentation, and that if I wanted to do a loan modification I would have to start over. Currently, I am trying to work out a short sale on the house. I am not sure who I am more angry with, Cenlar or Bayview. Cenlar is terrible to do business with, and they do not communicate well. Bayview wasted 6 months of my time, not to mention all of the frustration involved with all of the paperwork, and also probably cost me the chance to keep my house by taking 6 months to accomplish nothing. I would never do any business with either one of these companies in the future.

So I called the Go to Guy and it went to voice mail, and I left a message and asked to be called back asap. Well, I have never received a call from the Go to guy or anyone else from Bayview. I have called them at least 20 plus times and have yet to speak to anyone who knows something about my info, or even spoke to the guy that is supposedly handling my case. I am frustrated and trying to get help to keep my house. I can honestly say this is one of the worst companies I have every tried to work with. I have since been looking for another company to help me.

My asset manager, Mr. Joseph **, assigned to me never returned 8 messages sent on 8 consecutive business days. He also had 2 different e-mail addresses to choose from and two phone numbers he could have called. He did not do any of the aforementioned. When he called 2.5 weeks later asking me where the documents were, I was very agree to say the least. He now told me that if I resend the documents, they would have to be updated as the lost information was out of date. They told me first verbally that I was accepted by phone and then by mail to start a 3-month trial period, at the reduced rate and would not receive papers to have my attorney examine until January. I was told not to pay my regular monthly payment to CENLAR and Begin on Oct. 1, 2013. However there would be no grace period, and one day later than the first, the deal was over.

Firstly, I told them that due to my wife's pay periods and my social security payments varying every month, that was not possible. Now for the kicker, after the three months if I don't want to proceed for whatever reason, I would owe them the difference between my lower payments and my current of pre-trial period, Which would amount to some $800.00 plus my regular mortgage in January. Also the three-month trial period would be reflected in my credit as partial payments and be reflected in my very good credit score. Why would I want to accept such an offer? Why would I want to do business with them since I have no trust in their company and could very well cost me between already spent $10.00 plus in postage and FedEx the 800 dollars more. Forget about it. I have not signed any documents of agreement to such terms nor do I plan to sign any documents in this matter. Beware, they have an F rating with the BBB and a warning posted in red to beware of this company.

On probably the third call to them in July, someone actually looked at the account and noticed that the numbers in the payment had gotten transposed and the insurance company was shorting the payment by 45 cents (yes, cents). This had been going on since 2009 and no one had caught it before then. I immediately called my insurance company and they sent a check in August to Bayview for the difference dating back to 2009. This was after I had received a delinquent notice for August, as well as was told they had not received payment from the insurance company. I called my insurance company again and was told that not only had Bayview received the checks for June, July and August, but they had cashed them in a timely manner but never posted them to my account.

After I called Bayview back, everything was miraculously posted to my account. When I called them out on telling me they had not received the payments, they got irate with me. Well wouldn't you know it? In October, I received another delinquent notice stating I owed October's payment and a $10 late fee and a $20 NSF fee. Once again, I called them and told them that there was no way the checked bounced and it comes from a big insurance company. Well sure enough, I had to call my insurance company and call Bayview back. This time I actually had a very nice woman (Donna) who helped me and checked into things. She stated that the check had not been returned for NSF, so she erased the late fee and the NSF fee.

My loan is nearing its end and there is a discrepancy in the amount owed. Bayview thinks that interest is accruing and I keep telling them that it is not a loan that accrues interest, but like a car loan, it has set payments with the interest included in that payment. They now want me to send a copy of my original loan papers. This was told to me today even though I have been trying to get an answer on this since last summer and have been told by supervisors and also requested through the automated system a copy of my payments since the loan was taking over from them. Of course, I never received them. I was also told that a woman (Leslie) from Harris Bank would be contacting me (this was on 1/15/13) by 1:00PM. The next day, never heard from her. I called back the next day and she was unavailable, but would call me back. I have never heard from her either; not sure if she even exists.

I just don't understand why all of this hassle is on me. I am very frustrated with Bayview and I would encourage everyone not to do business with them. I'm still dealing with the frustration and wondering if this loan is going to be paid off in April as stated in my loan papers (which I am sure Bayview already has a copy of, although they want me to send a copy to them. If I was working and have access to a copier and a fax machine, I would do it in a heartbeat. But I am not sure even this will help). You cannot trust anything they tell you.

I did not know that my paper had been sold. Now all of a sudden I'm three months behind. Bayview said that with late fees and attorney fees, I need to send $5,648 today. I'm out of work and having trouble making the $600/month payment. So, I'm going to court on Oct. 18 without an attorney as I cannot afford one. Please say a prayer as it's all I can rely on now.

How can a decrease of $150/month over eight months result in such a large deficit when other than a decreased insurance premium nothing else has changed much? I have owned this home 11 years and never had any issues with our prior mortgage companies. Now, their mistake is going to force us into foreclosure, which I did explain to them. If you can not assist me with this matter, do you have any advice as to where we can turn? We are willing to work with them even though we did not create this situation. Despite my attempts to reach out to them, they are unwilling to work with us. The best they could say was sorry for the inconvenience.