We were getting close to foreclosure on our home with Greenpoint Credit. I had a beautiful 4 bedroom, 2 bath manufactured home on 2 acres of land.
We had been talking to different reps from Greenpoint who all had different stories about the status of our loan. One would tell us we would be served papers within the next few days and another would tell us we had a few months to get caught up.
We had gone looking for a place to live early one morning and spent all day around town. When we returned home that evening, we noticed our trash cans were gone and the bicycles were gone. I ran inside to call the police to report the burglary, but what I saw when I got inside brought me, my wife and everyone else living there into tears.
I opened the doos to go inside and the place was empty. Everything we owned was gone. We has furniture, kitchen accessories, keep sakes, hell, even our wedding pictures were gone. I was also self employed and all my business stuff was gone. When I tried to call the Sheriff, we found out the phone was gone, too.
We found someone with a cell and phoned the local Sheriff. He told me it was a civil matter and there was nothing they could do. I called Greenpoint several times through the next few weeks, but they always said they'd call me back and never did. I tried to find an attorney, but since I was in foreclosure, they knew I couldn't afford one.
We went out to our storage room later on that week. It WAS NOT a part of the house note so we figured everything was still there. Wrong. They even cleaned out the storage room that they had absolutely no business entering; however, this made no difference to lawyers or the Sheriff.
So in a nut shell, I lost everything I owned, my business and damn near my famiy (it was hard getting along after this and not having a place to live). I even lost the things I should have kept. Please don't allow Greenpoint the same opportunity I gave them.
The reason the address, city and state is not there, is because we always got out notices from different places. One notice would come from Dallas, the next might come from San Antonio, the next would come from Tennessee and other states. They would all tell us where to send our payment and who to call.
We would send our payment to one person and get a call the following week that the payment was not posted because we sent it to the wrong person and we either had to send another check or send proof that we mailed something out. It only took once (in which both checks were cashed and only one showed up as a paymwent). They had no reason for it and would not talk to us.
Anyway, we never really found a specific office we were to use. We just did the one that was easiest.
Also, when they took our stuff, it included all our letters from Greenpoint Credit so I was never able to show proof of anything.
Aaron
Austin, Texas
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