- Report: #878244
Complaint Review: GMAC / ALLY/ZC STERLING/BALBOA
Related Reports
Featured Ripoff Reports
Ripoff Reports
Ripoff Report on CBS 19
Ripoff Report on CBS 19 - Global Marketing Alliance
Ripoff Report on ABC 15 - Smart Shopper
Ripoff Report - Girls Gone Wild
Ripoff Report on Fox 11 - Car Repair
Special Features
-
Doctored Reviews is designed to help patients, doctors, and websites understand the problems created by Medical Justice, a company trying to restrict online patient reviews, and to offer some ways that let patients freely talk about their healthcare experiences. -
The government should serve voters, not corporate special interests. Public Citizen works to empower ordinary citizens, reduce the influence of big corporations on government, open the government to public scrutiny, and hold public officials accountable for their misdeeds. -
WHAT YOU NEED TO KNOW ABOUT THE BBB: NOT a government agency as listed in your local phone book. Instead the BBB is a private non-profit / franchise operation. 20/20 exposes the BBB, Hamas Terror Group Gets 'A' Rating - BBB is running a "pay for play" scheme.
| GMAC / ALLY/ZC STERLING/BALBOA
KEY WEST, Florida United States of America |
|
GMAC / ALLY/ZC STERLING/BALBOA SUBSERVICING YOUR LOAN ,and you dont know it, their dirty little secret KEY WEST , Florida
*Author of original report: stop gmacs bankruptcy filing WRITE THE JUDGE AND COURT
*Author of original report: gmac has refused to settle
*Author of original report: transcript of phone message
Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™
If you have a mortgage with any bank please be aware that you are being out sourced to other companies, if you have an escrow account, it is being sub serviced by others and its not in your mortgae or your disclosure statement.
Back in 2000 i transfered my loan to GMAC, never had a problem. Then in 2003-04 i got calls from my insurance agent , that my homeowners polocy was due and if they didnt pay it it would be cancelled, well it was not paid. At the time there was 1447.00 in the account. I started calling gmac and complaining but ws told not to worry it would be paid.
It is now several weeks later and they were not going to reinstate my insurance which ment i had to find a new policy. My old policy was $482.00pryr the new one was now $1268.00 which would mean my mortgage payment would go up too.GMAC then took my payments an put them in to miss fees and other charges which made it look like i was behind, they also tried to put forecplaced insurance on me how ever there was already a policy , they also paid my flood insurance late but it was reinstated.
I sued them and this resulted in a five yr court battle and ended up with me spending a lot of money only to have the courts dismiss the whole mess in 2008.
It is now 2010 and i started digging for anwsers, i found out that my account was being serviced by Z C Sterling an insurance company that monitors loans for GMAC, in 2003-04 they transfered my account to Balboa another insurance monitoring company, when i called asking questions i got the anwser . I spoke to a SHANNON GRIZZLE at Balboa she left a message on my cell, in that message she states, WHEN THE FILES WERE TRANSFERED OVER THERE WAS A GROUP OF THEM THAT WE DIDNT HAVE THE INFORMATION ON SO WE NEVER KNEW TO PAY THEM. "OMG PEOPLE" SHE THEN BLAMES THE OTHER COMPANY ZC STERLING FOR THE MIXUP. I have this on a recorded message.
What this means is that there were and are many of homeowners out there that this may have happen to and they may have lost their homes because of their mistake. Please check your loan docs and see if it mentions that they are sub servicing your loans , call them and ask them whom is the subservicer, if you are haveing problems like in foreclosure and you find out that you are being subserviced and no one notified you this may help you win your case, its violating the rules of HUD<RESPA< and many of your pwn state STAUTES . It also means that the mortgage company has breached the contract with you and you can sue them. I will place a transcript of the phone call on here and try to put the recording also if you need help contact me advocatehelp4u@aol.com i will do my best for information to give you.
Back in 2000 i transfered my loan to GMAC, never had a problem. Then in 2003-04 i got calls from my insurance agent , that my homeowners polocy was due and if they didnt pay it it would be cancelled, well it was not paid. At the time there was 1447.00 in the account. I started calling gmac and complaining but ws told not to worry it would be paid.
It is now several weeks later and they were not going to reinstate my insurance which ment i had to find a new policy. My old policy was $482.00pryr the new one was now $1268.00 which would mean my mortgage payment would go up too.GMAC then took my payments an put them in to miss fees and other charges which made it look like i was behind, they also tried to put forecplaced insurance on me how ever there was already a policy , they also paid my flood insurance late but it was reinstated.
I sued them and this resulted in a five yr court battle and ended up with me spending a lot of money only to have the courts dismiss the whole mess in 2008.
It is now 2010 and i started digging for anwsers, i found out that my account was being serviced by Z C Sterling an insurance company that monitors loans for GMAC, in 2003-04 they transfered my account to Balboa another insurance monitoring company, when i called asking questions i got the anwser . I spoke to a SHANNON GRIZZLE at Balboa she left a message on my cell, in that message she states, WHEN THE FILES WERE TRANSFERED OVER THERE WAS A GROUP OF THEM THAT WE DIDNT HAVE THE INFORMATION ON SO WE NEVER KNEW TO PAY THEM. "OMG PEOPLE" SHE THEN BLAMES THE OTHER COMPANY ZC STERLING FOR THE MIXUP. I have this on a recorded message.
What this means is that there were and are many of homeowners out there that this may have happen to and they may have lost their homes because of their mistake. Please check your loan docs and see if it mentions that they are sub servicing your loans , call them and ask them whom is the subservicer, if you are haveing problems like in foreclosure and you find out that you are being subserviced and no one notified you this may help you win your case, its violating the rules of HUD<RESPA< and many of your pwn state STAUTES . It also means that the mortgage company has breached the contract with you and you can sue them. I will place a transcript of the phone call on here and try to put the recording also if you need help contact me advocatehelp4u@aol.com i will do my best for information to give you.
This report was posted on Ripoff Report on 05/04/2012 07:03 AM and is a permanent record located here: http://www.ripoffreport.com/r/GMAC-ALLYZC-STERLINGBALBOA/KEY-WEST-Florida-33305/GMAC-ALLYZC-STERLINGBALBOA-SUBSERVICING-YOUR-LOAN-and-you-dont-know-it-their-dirty-878244. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.
Click Here to read other Ripoff Reports on GMAC / ALLY/ZC STERLING/BALBOA
Search for additional reports
If you would like to see more Rip-off Reports on this company/individual, search here:
Search Tips#1 Author of original report
stop gmacs bankruptcy filing WRITE THE JUDGE AND COURT
AUTHOR: Daniel - (U.S.A.)
SUBMITTED: Monday, June 25, 2012
ADDRESS AND CONTACT INFORMATION
UNITED STATES BANKRUPTCY COURT
SOUTHERN DISTRICT OF NEW YORK
______________________________________________________________________________
RESIDENTIAL CAPITAL, LLC Chapter 11
a/k/a RESIDENTIAL CAPITAL CORPORATION Case No. 12-12020-mg
1177 Avenue of the Americas Jointly Administered
New York, New York 10036, et al.
Debtors
_____________________________________________________________________________
OBJECTION TO INTERIM ORDER OF THE HONORABLE JAMES M. PECK LIFTING THE AUTOMATIC STAY PRIOR TO THE FILING OF SCHEDULES AND STATEMENT OF FINANCIAL AFFAIRS IN VIOLATION OF THE FIFTH AND FOURTEENTH AMENDMENTS TO THE CONSTITUTION OF THE UNITED STATES AND HAVING THE EFFECT OF DEPRIVING THE UNDERSIGNED EQUAL PROTECTION OF THE LAWS AND PROCEDURAL AND SUBSTANTIVE DUE PROCESS OF LAW REQUIRED BY THE CONSTITUTION OF THE UNITED STATES AND FURTHER BEING IN EXCESS OF ANY REASONABLE EXERCISE OF THE COURTS EQUITABLE POWERS UNDER 11 U.S.C. sec. 105
_____________________________________________________________________________
[YOUR NAME] is in possession of an asset (my home) against which the Debtor is making a claim for payment of debt required to be filed on Schedule B, lines 18 (liquidated debt) and listing the foreclosure as a contingent claim and identifying the location, nature and type of property on Schedule B, line 21 (contingent claim.) Debtor does not have sufficient proof of its claimed interest in my home and may be using forged documents to support its foreclosure claim.
I object to the automatic stay being lifted to allow the Debtor to proceed to foreclosure of my home until its claim that I owe it any money and that it has a lawful contingent claim against me is disclosed in its schedules (which are yet to be filed) and under penalty of perjury as required by 18 secs. USC 157 and 3571.
DATED AND SIGNED.
UNITED STATES BANKRUPTCY COURT
SOUTHERN DISTRICT OF NEW YORK
______________________________________________________________________________
RESIDENTIAL CAPITAL, LLC Chapter 11
a/k/a RESIDENTIAL CAPITAL CORPORATION Case No. 12-12020-mg
1177 Avenue of the Americas Jointly Administered
New York, New York 10036, et al.
Debtors
_____________________________________________________________________________
OBJECTION TO INTERIM ORDER OF THE HONORABLE JAMES M. PECK LIFTING THE AUTOMATIC STAY PRIOR TO THE FILING OF SCHEDULES AND STATEMENT OF FINANCIAL AFFAIRS IN VIOLATION OF THE FIFTH AND FOURTEENTH AMENDMENTS TO THE CONSTITUTION OF THE UNITED STATES AND HAVING THE EFFECT OF DEPRIVING THE UNDERSIGNED EQUAL PROTECTION OF THE LAWS AND PROCEDURAL AND SUBSTANTIVE DUE PROCESS OF LAW REQUIRED BY THE CONSTITUTION OF THE UNITED STATES AND FURTHER BEING IN EXCESS OF ANY REASONABLE EXERCISE OF THE COURTS EQUITABLE POWERS UNDER 11 U.S.C. sec. 105
_____________________________________________________________________________
[YOUR NAME] is in possession of an asset (my home) against which the Debtor is making a claim for payment of debt required to be filed on Schedule B, lines 18 (liquidated debt) and listing the foreclosure as a contingent claim and identifying the location, nature and type of property on Schedule B, line 21 (contingent claim.) Debtor does not have sufficient proof of its claimed interest in my home and may be using forged documents to support its foreclosure claim.
I object to the automatic stay being lifted to allow the Debtor to proceed to foreclosure of my home until its claim that I owe it any money and that it has a lawful contingent claim against me is disclosed in its schedules (which are yet to be filed) and under penalty of perjury as required by 18 secs. USC 157 and 3571.
DATED AND SIGNED.
Respond to this report!
What's this? #2 Author of original report
gmac has refused to settle
AUTHOR: Daniel - (U.S.A.)
SUBMITTED: Friday, May 25, 2012
as of this morning gmac has refused to settle their mistake, again they are blaming me for the failure to pay my insurance from the escrow account.
so now everyone can heard the recorded message go to u tube
type in gmac loses files by subservicer you will hear shannon from balboa stsate they didnt know to pay which means that files were lost? please pass it along to everone you know
by the way gmac/ally has now filed for bankruptsy again we are winning folks please keep it up warning people not to do bussiness with them
so now everyone can heard the recorded message go to u tube
type in gmac loses files by subservicer you will hear shannon from balboa stsate they didnt know to pay which means that files were lost? please pass it along to everone you know
by the way gmac/ally has now filed for bankruptsy again we are winning folks please keep it up warning people not to do bussiness with them
Respond to this report!
What's this? #3 Author of original report
transcript of phone message
AUTHOR: Daniel - (U.S.A.)
SUBMITTED: Friday, May 04, 2012
TRANSCRIPT FOR VOICE MESSAGE ON CELL PHONE
FIRST MESSAGE (message was left sometime around sept2008 to oct 2008)
HELLO THIS IS SHANNON GRIZZLE CALLING FROM BALBOA INSURANCE. I JUST WANTED TO TOUCH BASE WITH YOU AND LET YOU KNOW I SPOKE TO ROBERT JOHNSON REGUARDING THE DOCUMENTATION YOU SENT. HE PUT ME IN CONTACT WITH , WHAT I BELIVE IS THE CORRECT AREA, I UM FORWARED OVER ALL THE DOCUMENTATION OVER TO A GENTELMAN OVER IN UM THE DEPT THAT ROBERT POINTED ME TO AND THIS GENTELMAN TO HE TOLD ME HE SHOULD HAVE SOME SORT OF INFORMATION FOR ME TO PROVIDE YOU BY TOMMOROW AFTERNOON, SO WE ARE DIFFENTALY WORKING ON IT AND SO WE SHOULD HAVE SOMETHING TO GIVE YOU BY TOMMOROW, UMM I WILL BE IN CONTACT WITH YOU IF YOU HAVE ANY QUESTIONS FEEL FREE TO GIVE ME A CALL YOU HAVE MY NUMBER SO I UM WILL SPEAK TO YOU TOMMOROW AFTERNOON THANK YOU SO MUCH BYE BYE.
SECOND MESSAGE
HI MR MULCAHY, THIS IS SHANNON GRIZZLE CALLING FROM BALBOA IINSURANCE, I JUST WANTED TO TOUCH BASE WITH YOU AND LET YOU KNOW I DID HEAR BACK FROM THE UMM AREA THAT WAS ARCHIVING THE INFORMATION FOR ME, THEY HAVE THE INFORMATION IN THE ARCHIVES AND THEY TOLD ME THE ISSUE ACTUALLY IS UMM WITH THE PRYER SERVICER, AH IT , WAS A INSURANCE COMPANY NAMED ZC STERLING, UMM I GUESS THATS WERE THE REAL ISSUE UMM ( LOTS OF HESATATION HERE ) WHEN WE TOOK OVER THE HANDLEING OF GMAC THEIR UMM AND INSURANCE OR FORCED PLACE INSURANCE COVERAGE UMM UMM , I GUESS WE WERE SUPPOSED TO RECEIVE INFORMATION ON POLICYS THAT WE WERE SUPPOSED TO PAY AND THINGS OF THAT NATURE, UMM THERE WAS A UMM GROUP OF POLICIES THAT WE DID NOT HAVE THAT INFORMATION, UMM IM SORRY LET ME START OVER WITH THAT , I UMM GUESS ITS JUST AN ISSUE WITH ZC STERLING, UMM I HAVE SPOKEN TO ROBERT ABOUT IT, I SHOWED HIM ALL THE INFORMATION I RECEIVED, ALL I CAN REALLY SAY IS WE NEVER HAD A LENDER PLACED POLICY FOR YOU UMM IN PLACE WITH BALBOA,THAT WHICH WAS SUPPOSED TO BE TAKEN CARE OF BY ZC STERLING ROB HAS TOLD ME AND SO HAS THE DEPT ARCHIVING THE INFORMATION FOR ME THAT IT WAS UMM ,THAT THE REAL ISSUE IS WITH THE COMPANY BEFORE US, UMM THATS REALLY THE LONG AND SHORT OF IT, IT WAS ZC STERLING. WE DONT HAVE ANY INFORMATION ON IT, THAT WOULD HELP YOU WITH THIS UMM , OTHER THAN WE DIDN,T HAVE A LENDER PLACE POLICY IN PLACE FOR YOU AND THAT WAS DUE TO AN ERROR ZC STERLINGS SIDE BEFORE WE ACTUALLY TOOK OVER THE SERVICING OF THESES POLICIES UMM THESE LOANS UMM GOSH IF YOU HAVE ANY QUESTIONS GO AHEAD AND GIVE ME A CALL WE CAN GO OVER IT AGAIN GO AHEAD AND FEEL FREE TO GIVE ME A CALL WE CAN GO OVER IT AGAIN UMM WE CAN GET YOU A CONTACT NUMBER FOR THEM OR AT LEAST POINT YOU IN THE RIGHT DIRECTION BUT THE DOCUMENTATION THAT WE HAVE HERE IS DIFFENANTLY NOT GOING TO HELP IT BASICLY TELLS YOU THAT THERE WAS AN ERROR ON THEIR SIDE SO THERE WAS NEVER A LENDER POLICY IN FORCE UMM ANY WAY MY NUMBER IS 800 854 6115 EXT 7304 BYE BYE
Respond to this report!
What's this? 
