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June 5, 2008
Fraud
Bayview wants the house and there is no room to negotiate. They filed notice of default and failed to notify me and (on 2nd default) later filed an illegal 4closure. They accepted payment after default and then lied about returning the money till this day have not got money. I filed a complaint with DEPT of Corporation here in California, they barely responded and when they did they lied and stated the money was returned. They took me to court to evict me out of the home, and I am currently waiting for the sheriff to show up. I am currently about to be homeless due to illness during the time they sold the house. (To themselves for a profit) Then they offered me $1800 for cash for keys less $300 because I did not move out when they wanted me to.
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April 17, 2008
I'm sick of it
Refinancing horrors. Our loan was purchased by Bayview and 2 weeks after they purchased the loan they sent papers saying we were delinquent on our 1st payment--the previous loan holder didn't apply our first 2 payments! That straightened out then Bayview changes the terms of our loan to an INTEREST ONLY loan and bumped our payment up to $5500...
We made arrangements to modify the loan which they say they can not do---it only applies if Bayview wants to modify...Of course they set us up with a plan to "Stipulation to Modification" Which means you pay them on time for six months (we did it!)and they start your loan again as if it were back at month #1 with a lower payment approx 1/2---which means the money you paid faithfully for six months ---let's call it a free gift to Bayview...As Maria explained they have to get their money...
That's ok...foreclose in NJ you can live 1 year mortgage free and if you go bankrupt you get $30, 000 for single $60, 000 for a married couple. I'm sick of it.
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