GMAC put forced placed insurance on my house January for the previous September. I, as well as my insurance company, faxed the information showing I had insurance during that time.
After receiving another statement showing the forced placed insurance, I called & tried to make my payment over the phone & correct the insurance information. GMAC insurance dept. Had already corrected the issue as of 2/7/05.
The insurance dept. 3 way conference called me with the billing dept. To explain the forced placed insurance had been removed. The billing dept. Would not let me make a payment without the forced placed insurance because they don't accept partial payment.
Although, their insurance dept. Explained it was NOT partial payment because the insurance had been removed. The billing dept. Told me to call back in a week for the insurance correction to post to billing.
This went back & forth for months. I continued to call for months & sent faxes & letters, etc. Needless to say, end of May I received a letter stating they were going to foreclose on my house the 2nd week of June.
I contacted a lawyer who advised me to pay the foreclosure fees so I did not lose my house in the mean time, but to add that I was contesting the foreclosure. I did so. I had also sent a certified letter to GMAC explaining the situatin again & I received a letter stating they would look into it & I would hear from them in writing within 20 days... To day (11/21/05) I've heard NOTHING!
This is just a a quick synopsis of this situation... I have loads of faxes & people's names I spoke to who never returned my calls or tried to pass the buck. I went so far as to contact a local GMAC Mortgage loan officer... She too advised me to find a lawyer because they were giving her such a hassel.
Now, I need to refinance my loan to get it out of GMAC & can't because of my credit from them! This is a HUGE circle of madness! When I paid the attorney's fees I got an itemized statement of the costs... There was NO forced placed insurance included in the itemized cost!
It is ridiculous when there own insurance dept., also, instructed me to contact an attorney. I am doing so, but in the mean time, my credit is ruined, I'm out all the attorney fees, my cell phone bills have been crazy from trying to get ahold of someone there, the copies, the faxes, the headaches... It's consumed my life!
I've got an attorney, I just need to refinance! If there is anyone who wants to contact me regarding a similar situation, please do so! It's terrible that such a large company is getting away with all of this!!!
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