Bayview Loan Servicing, LLC Mortgage Complaint

Bayview Loan Servicing, LLC Mortgage department,

Conventional adjustable mortgage (ARM) Loan modification,collection,foreclosure Illinois

I have been dealing with Bayview loan servicing for a year now, and its been a headache. I had always made my payments on time and I always tried to catch up if I ever fell behind, but there is are situations that you have no control of. Before my loan getting sold to Bayview I had - mortgage, they informed me that I had an escrow shortage and they were informing me that it had gone up $7000.00. How is this possible? Due to this going up higher, my mortgage payment went up higher and and I was unable to make the payments. I was paying $1000.00 for my mortgage payment and they brought my mortgage payment up to $1700.00. I was never behind on my mortgage payment, and the taxes and insurance were escrowed with my payment. How can I fall behind? With Bayview I applied for a modification and they denied me saying that the delinquency was high and with the calculations they made they said that I had equity, but I dont have equity my home is underwater. I asked for a BPO and they did it but the person that went to do the appraisal didnt take in consideration the damaged roof, floor and windows. It was not a professional appraisal, he said he was there just to take pictures. When I asked Bayview to send over information on the recent appraisal of my property, they have not sent anything and its been more than a month. I was told over the phone that I was not eligible for the - - - which includes principle forgiveness because I have $4000.00 worth of equity. This is not true. i owe almost $290000.00. Before the appraisal they did on my property that I still dont know information about, my home according to them was worth $240000.00. I paid for an independent BPO and my property estimated value without taking the work needed on it in consideration is $210000.00. I need help and they are not giving me information.