Bayview loan servicing

[ellabella]

Good morning,
Just wondering if anyone has had any experiences with Bayview loan servicing. I had a loan with Citi and just recently they turned it over to Bayview. When they made the switch I was unaware and kept making my payments to Citi and they kept cashing them. I then get a letter from Bayview saying I owe like $5000, obviously there was some confusion between Citi and Bayview. I finally get it all worked out and caught up. Well just yesterday I get a letter that they had been sending certified to the wrong address saying that Citi mortgage has filed a notice of trustee sale. They had been sending the mail to my old office which I haven't worked at in over 4 years. I luckily had just stopped by and they gave me the mail. Anyways, I call Bayview and they tell me I am past due since July 1st. I am so frustrated because I just got it worked out and I have paid up through August. Anyways, the gentlemen I talked to was very nice and seemed very helpful. He said he would call me back today and I am very hopeful but after finding this site and all the horror stories I am a little worried. I want to be prepared when I talk to them and know my options. So any advise would so greatly be appreciated.

[Evan Bedard]

Hi ellabella,

Anyways, the gentlemen I talked to was very nice and seemed very helpful. He said he would call me back today and I am very hopeful but after finding this site and all the horror stories I am a little worried. I want to be prepared when I talk to them and know my options. So any advise would so greatly be appreciated

Are you just rying to get this situation worked out, or are you also wanting to pursue a loan modification?

[ellabella]

I am just trying to get the situation worked out. He said that I would have to do a repayment plan since I went into foreclosure which would make my payment go up but he did mention trying to do a loan modification. While if the loan modification he mentioned worked out that would be great (I am thinking) but really I just want them to take the notice of foreclosure off and not stick me with any extra fees or make me do a repayment plan. I am really hoping they don't try to stick me with attorney fees as I can't believe they filed a notice of foreclosure when I am only a month and half behind.

[Evan Bedard]

That is insane! What state are you in, I have never seen a foreclosure filed only a month and a half behind?

If you can afford the payments it is unlikely to get approved for a loan modification. A repayment plan will end up costing you quite a bit as well. Do you have the money to pay the month and a half?

[ellabella]

I do have the money and told him yesterday I could make the payment right now. I live in Arizona. I am just a little nervous because while I do have the money to pay I don't have extra, I am on my own and could not afford any extra fees or for my payment to go up. I have owned the home since 2003 and have put a lot of money and hard work into it. I am really hoping that they are going to be fair. That is all I ask.

[Evan Bedard]

Try calling this number and let them know what happened. Explain to them that they made a mistake and you do have the money to pay the deliquent amount immediately..

1-866-255-3901

[ellabella]

Thanks Evan, I really appreciate your help. I will call them and let you know how it goes.

[Evan Bedard]

Your very welcome, good luck and keep us posted!

[kannastormy]

watch out for bayview, they are a bunch of crooks. Won't put anything in writing, return calls, stall, lie. After months of hell, they finally put in writing they erroneously put us in foreclosure. Be careful, check them out on the internet, and remember foreclosure is their leverage over you, they can add whatever fees they want.

[ellabella]

Oh boy, this is really such a nightmare. I am still working on trying to work this out with bayview and they are still saying I am behind. I have gotten all the checks to them and have been really patient. I am about to tear my hair out. This company is such a joke. They even admit to telling me I was current after I got this straightened out the first time but they say they made a mistake. Ugh, I don't know what to do. I have contacted Citimortgage who owns the loan to see if they will take back over the servicing but they won't. I am not going to pay for a whole extra payment because they have screwed up (or are trying to get more money out of me). I could get our attorney involved but he will end up costing me as much as the payment. This is such crap. Can I turn bayview into someone?

[kannastormy]

Complain to the florida better business bureau, they make them reply in writing which they are adverse to doing. I actually got an admission of fault in writing from them. If you live in a state where your senators office will call it helps but they still drag their feet. If you need my bbb contact i will send it. They are crooks though and you don't get much without a third party- doesn't have to be an attorney but a credible witness.