Bayview Loan Servicing review: scamed 8

My husband and I are also having trouble with Bayview Loan Servicing. My husband was in a car accident almost 3 yrs ago, when another driver ran a stop sign in front of him. We fought for a year and a half to get his disabiliaty, and now we are behind and Bayview has denied us a loan modification, because we had one just before the accident. They are saying it's because of our home owner's ins. Instead of letting us know, they just let it go.We have found out that over 3, 000 a year is going to ins. So we said we would get a different ins, Well Bayview says we can't until the payments are caught up. We can't get help any where. I'm so fed up with it all, I'm ready to leave it all sit file bankruptcy and live in my camper.
We've been here for 14 years. When we first got this house through Stuartship fund our payments where 200.00 a month, they now are 451 and my husband gets 1, 072 in disability. The only option Bayview is giving us, is sell the house on a quick sell. We had offered to pay the house off when my husband got his accident settlement, we had gotten a letter from Bayview saying we owed a little over 19, 000 dollars, as soon as we said pay it off, they Bayview said, you owe 29, 000 because of the one loan modification, they were tacking 10, 000 back on.

Reading all of these complaints grips me with fear, we too have been scammed by Bayview Loan Servicing, LLC. They have claimed we are late with payments over & over, discrepancies with their payment records VS mine, it doesn't matter...you can never talk to your "asset manager" assigned to you because they constantly change who it is frequently for one thing. For another thing, THEY NEVER ANSWER CALLS! I call, write letters, to no avail. I call for a payoff amount, I can't get it, how can you refinance when we were current we tried to refinance, only to be told we couldn't because we were delinquent with payments. As of now, we have at least five payments that have not been applied to our mortgage because they say it matured in December...I tried to send payments, they said we have to do a modification, then said we weren't eligible for one, and they sent out a foreclosure notice a year ago, so I called them and flipped out, told them I demanded they check into it, lo & behold..."sorry, that was a mistake". Sheesh! So in the past year I have sent payment after payment, they place them on hold, charge me $24.20 per day in fees for "unapplied payments" that they received but can't apply to the loan because it has matured. They never gave me any info on this, I just don't know where to turn at this point. They said I have two choices, leave the property on July 1st of two thousand sixteen, or call to make arrangements to pay them the $101, 000.00 we owe them for the mortgage. I am so upset, I don't eat, I don't sleep, I am just so frustrated, I would get a lawyer, but I think I need foreclosure papers in order to do that, but I have a feeling they are just going to wait until it's too late for me to get any help, and they'll just throw us out. I am just at a loss as to what to do, nothing I do matters, you can never talk to anyone, they make sure they are never there, you leave message after message, and nobody ever returns your calls. I even emailed a "phone call apt" and my manager was supposed to call me, I waited by the phone foolishly thinking he would call me, but he never did. The letters I wrote they most likely shred, I just don't even know what to do at this point. I pray for them, I pray for help...I feel bad for anyone who is stuck with this company for their mortgage. :(