Silver Hill Capital Reviews

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.