Bayview Loan Servicing Complaint

Bayview Loan Servicing, LLC Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Florida

We sold our primary residence - 2010. At the time of that sale, we executed a Restated Note for $35000.00 in order to facilitate a short sale since that was required by Bayview Loan Servicing in order to sell our the home - they gave us no other choice. The sale of our primary residence was due to my relocation from - to - for work. Payments were to commence - -, 2010 for $190.00 pursuant to the Note. I have an email dated - -, 2010 from - -, Residential Asset Manager for Bayview Loan Servicing- she directed us to send our payments to her attention at the address below:- - - -, - - -, FL -For six months ( from - 2010 through - 2010 ) - we made the payment of $190.00 and mailed it to the above address to her attention. NOT - CHECK WAS EVER CASHED BY BAYVIEW LOAN SERVICING. Since I use online banking - my bank make all payments, they can verify that they cut the checks, mailed them to the address above and not - check cleared. Due to the checks not clearing, I left several voice messages for - -

- 's email response to my inquiry as to where to send the payments - dated - -, 2010. There has NOT been - letter, - email, or - phone call from Bayview Loan Servicing in over 5 years. No payment was ever cashed and there was no response to all the inquires we made to the Bayview Loan Servicing representative we were given. We did not know what to do - or where to send payments. Last week ... FIVE years after absolutely NO communication from Bayview Loan Servicing - I pulled my credit report only to find that Bayview Loan Servicing decided to start reporting this obligation last month and is showing it as delinquent. Five years - no communication from Bayview Loan Servicing - but arbitrarily decided to start negative reporting to the bureaus last month. In summary, we attempted to honor the obligation we made five years ago - but Bayview Loan Servicing did not. This obligation was completely ignored by Bayview Loan Servicing for almost five years ... payments never cashed, phone calls never returned and no communication in any manner from Bayview Loan Servicing was made to collect on this debt. Now Bayview Loan Servicing, in an attempt to collect on a debt that we attempted to pay over five years ago is using abusive tactics by reporting negative information to the credit bureaus. I have called Bayview several times and am getting nowhere - nobody can help me and they insist all they can do is review my claim '' via fax or email. I have sent several letters. My credit is ruined now and I can not get anyone to discuss this matter with me.