We had a repayment plan with GMAC. They accepted the May payment (it was late-we did not know that a regular check was not accepted-they had to return it and we resent in correct form) We were told no problem.
The June payment has been returned to us a total of 5 times, the July payment twice. Always with a form letter that says nothing.in spite of our repeated requests to have a reason in writing, they could not/would not do this. We found out they canceled the repayment plan in June—they never told us.
They have also now filed a default on our property.insanity! We made every effort to make the payments, they rejected without giving a reason. We have always insisted that everything be done in writing to protect us both. They admitted as such-all they have are form letters!!!
We have filled out more forms for loss/mitigation. We should NOT have had to do that as we made every effort, these people can't/won't communicate in writing, and the 800# is a joke.
We found out about the default because of letters/phone calls coming from people soliciting our business to prevent foreclosure. I think that GMAC is just bullying me/us as we can't afford to go out and hire a lawyer to help us with this. I/we have over 24 pages of letters written or faxed.
This whole thing reeks of corporate greed, we were willing to work with them, they could not respond to a simple request to keep things in writing.
How can they cancel a plan and not notify us?
How can they file default without telling us??
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