Hello! I simply got off the telephone with GMAC Loan Providers plus they refused my mortgage loan modification and questioned me to reapplied.
On Feb 19 I acquired a FEDEX deal from GMAC... Therefore start it-up and noticed financing change deal. I had been shock because he refused me previously. I been dealing with them since June. I realized that the deadline was February 22 and so I named them-and GMAC stated " it's due about the 25th". I'll not be house until January 21.2010 and it had been a Sunday. Therefore planned a notary thru GMAC for 22th. Signal it and deliver it back again to them on 23th in unique bundle and return tag supplied by GMAC.
On March 10 I named to verify anything is okay. The consultant explained that it had been refused simply because they got the bundle on March 5 also it was overdue. I informed her that I delivered it on January 23th and also you folks got about the 24th also it was due on 25th and that I was OVERDUE! I offered her the FEDEX quantity and operate the label and noticed it had been obtained about the 24th. She subsequently explained that GMAC/Barak business did all mod routine so near to the deadline and 90% was overdue and got refused. She stated she'll advance to determine when they may evaluate and take my mortgage loan modification since I have was not overdue.
I keep calling every fourteen days and GMAC keeping stating that it's still pending. I actually appear for that regional consultant to upgrade the entire package and display her concerning the change mortgage deal. Therefore lastly, they advised it had been REFUSED since I had been late. So no further issue.
Our thought is the fact that possibly GMAC or BARAK mortgage loan modification is simply to setup to create themselves appear great within the community however in behind. They do not wan to assist. CNBC declare that only 20% take the mortgage modification. Now I understand why. When folks like me take the change however got refused since GMAC can refused me.
I truly have no idea how to proceed now. With three small children and have no idea when it's my last evening within our first home...
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