• Report: #417762

Complaint Review: GMAC Home Mortgage

Thank You

Read how Ripoff Report saves consumers millions.

  • Submitted: Thu, January 29, 2009
  • Updated: Fri, March 27, 2009

  • Reported By:Jacksonville Florida
GMAC Home Mortgage
500 Enterprise Rd. Horsham, Pennsylvania U.S.A.

GMAC Mortgage - DitechGMAC Home Mortgage Absolutely NO Help from GMAC Mortgage - They're always right,you're always wrong Horsham, Waterloo, Pennsylvania

*Consumer Suggestion: Dear J.W. /Jacksonville, Florida

*Author of original report: Update for JW Jacksonville,Fl.

*Consumer Comment: FANNIEMAE AND GMAC IN BED TOGETHER

*Consumer Comment: FANNIEMAE AND GMAC IN BED TOGETHER

*Consumer Suggestion: Time for an attorney!

What's this?
What's this?
What's this?
Is this
Ripoff Report
About you?
Ripoff Report
A business' first
line of defense
on the Internet.
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..

Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™

SEO Reputation Management at its best!

In mid Jan. of 2008 I received a letter from Ditech stating that I was 2 months in default with my mortgage payment(that was true) and that my home would be going into foreclosure.Like so many others across our great nation,I too had fallen on some bad times financially.

Ditech had turned my account over to the Law Office of David J. Stearns for collections. Upon agreement with Gmac - Ditech. I was able to stop foreclosure proceedings.

The Stipulation Agreement : Total Due To Bank (GMAC) $5,102.60 Attorneys Fees and Cost $2,650.00
Totla Amount Due $7,752.60

Upon execution of this agreement,I was to pay the initial payment of $3,876.30 (I paid this) with bank money orders ( I have all my reciepts ) made out to GMAC Home Mortgage 500 Enterprise Rd.,Siute 150,Horsham,Pa 19044-3503.

The balance of the arrearage in the amount of $4,001.30 will be paid over 12 months. EAch payment will be $3234.03.This was added on to my monthly mortgage payment. I also have all my reciepts which I paid with certified cashiere checks.

I have made all my payments on time and through the rest of the year (2008) I never once heard from GMAC-Ditech concerning my payments.

In mid Dec 2008, I received a letter from GMAC stating that my acoount had been sold ( of course they didn't use the word "sold" but,that's what they all do) to Nationstar.

First part of Jan. 2009 I called the Law Office of David J. Stearns to see if I could find out why this was being done since I was still in a stipulation agreement with GMAC.

NO HELP there!! These people in this so called lawyers office were down right RUDE! They told me that my case with them had been CLOSED since Oct. 2008. WHAT?? Oh! I see,says the blind man. They got all their money by Oct.,so they were out of the picture as far as they're concerned.

Wanting a smooth transition, I called Nationstar to find out what my payments would be with them starting in Jan. 2009. The rep at Nationstar told me to send in my regular payment (which I did ).

Since then,I have received 2 letters from Nationstars legal dept. stating that I was in default. WHAT!!!!

Called Nationstar again,told them about the letters and their rep told me to just throw them in the trash. I did just that!

Received my Feb 2009 statement from Nationstar stating amount due for 2 mos. WHAT!!

Called them again, asked why I owed 2 mos. Was told they did not receive my Dec. 2008 payment from GMAC - Ditech. I told them, I made my Dec. 2008 payment to GMAC-Ditech. They told me that I would have too call GMAC and have them send Nationstar the Dec 2008 payment. I HAD TOO MAKE THE CALL. Not them. ME!!

So, I made the call to GMAC-Ditech and after 30 mins on hold I finally got hold of someone to talk with. That did absolutely no good whatsoever.
Put on hold again. You know the story!

I talked to 7 different GMAC-Ditech reps in a 3 1/2 hr span. HELL-O!!

I was told that my Dec 2008 payment was applied to Nov 2008. WHAT!! WHY?? Was told I was behind on my payments. How could I be when I was in a stipulation agreement?? I made all my payments on time. I have everyone of my receipts. They DID NOT care!! On top of all that they have charged me $412.38 for late fees. WHAT!! WHAT!! I never received a notice or any kind of communication of me being late. And Nationstar says they will not wave the late fees. Isn't that nice!

Where do I go from here? Who do I turn to?? Is there any help out there?
PLEASE! PLEASE! PLEASE!

JW
Jacksonville, Florida
U.S.A.

This report was posted on Ripoff Report on 01/29/2009 12:43 PM and is a permanent record located here: http://www.ripoffreport.com/r/GMAC-Home-Mortgage/Horsham-Pennsylvania-19044-3603/GMAC-Mortgage-DitechGMAC-Home-Mortgage-Absolutely-NO-Help-from-GMAC-Mortgage-Theyre-a-417762. 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 Home Mortgage

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Search Tips
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?
REBUTTALS & REPLIES:
0Author 5Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Suggestion

Dear J.W. /Jacksonville, Florida

AUTHOR: Miss Guardian - (U.S.A.)

Dear J.W. : You may still have legal recourse! We urge you to contact this man, Mr. Stern, by fax, phone, letter etc., at once: Law Office is area code 954. The Lawfirm number is 233... and the rest is 8000 while the direct fax is (last part is 8333 instead of 8000). Then the dstern with the symbol of @ ... dstern ... with a (dot) then (com). Please review carefully. Our strong suggestion to you is to seek out a free consultation from an attorney/lawfirm to discuss your options to recoup any/or all wrong-doings = ($$$$$$$$$$$=?) that you may believe have occurred. If you are unable thereafter to retain an attorney please ask if: him/her would please review a law case (PUBLIC RECORD) Acosta-vs-Campbell (M.D. Fla. January 18th, 2006) This was a lawsuit by a married couple with Mr. Stern & Lawfirm listed as defendants (28 Pages). Happy reading for him/her?! God Bless All Victims!
Respond to this report!
What's this?

#2 Author of original report

Update for JW Jacksonville,Fl.

AUTHOR: Jw - (U.S.A.)

In my previous post,I mis-typed "Each payment will be $3234.03" what I ment to type is " Each payment will be $324.03. added on to my regular monthly payment. Sorry for any confusion.

My thanks to those that have replied to my post.Your comments are greatly appreciated!!
Respond to this report!
What's this?

#3 Consumer Comment

FANNIEMAE AND GMAC IN BED TOGETHER

AUTHOR: Daniel - (U.S.A.)

ON THURSDAY JAN 1 I CALLED AND ATTORNY AT FANNIE MAE I HAD BEEN SENDING EVIDENCE TO , WELL THAT FINALLY CAME TO A DEAD END THIS WOMAN THINKS THAT GMAC IS GOD SHE TOLD ME THAT THEY HAVE NO COMPLAINTS AGAINST GMAC AND THAT THEY ARE ONE OF THEIR BETTER ACCOUNTS, I SAID "WHAT"
HAVE YOU EVER READ THE RIP OFF REPORTS LADY THIS IS ONE OF THE MOST DISPICABLE COMPANYS OUT THERE THEY ARE SCREWING PEOPLE ALL OVER THE PLACE I THEN TOLD HER I UNDERSTAND THAT THERE ARE GUIDLINES THAT GMAC HAS TO FOLLOW IF THEY SERVICE YOUR ACCOUNT SHE SAID YES BUT COULDNT GIVE THEM TO ME I WOULD HAVE TO CALL GMAC AND ASK FOR THEM? SO I DID AND GUESS WHAT THEY SAID CALL FANNIEMAE FOR THEM ANY WAY IM PUTTING HER NAME AND NUMBER IN HERE START CALLING HER AND LET HER KNOW WHAT GMAC IS DOING TO YOU MAYBE THEN SHE WILL CLIMB OUT FROM UNDER HER ROCK AND SEE THE LIGHT .

HERE IT IS PATRICIA LEHTOLA
ATTORNY FOR FANNIE MAE
972-773-4663 TELL THE OPERATOR TO SEND YOU TO HER EXT
Respond to this report!
What's this?

#4 Consumer Comment

FANNIEMAE AND GMAC IN BED TOGETHER

AUTHOR: Daniel - (U.S.A.)

ON THURSDAY JAN 1 I CALLED AND ATTORNY AT FANNIE MAE I HAD BEEN SENDING EVIDENCE TO , WELL THAT FINALLY CAME TO A DEAD END THIS WOMAN THINKS THAT GMAC IS GOD SHE TOLD ME THAT THEY HAVE NO COMPLAINTS AGAINST GMAC AND THAT THEY ARE ONE OF THEIR BETTER ACCOUNTS, I SAID "WHAT"
HAVE YOU EVER READ THE RIP OFF REPORTS LADY THIS IS ONE OF THE MOST DISPICABLE COMPANYS OUT THERE THEY ARE SCREWING PEOPLE ALL OVER THE PLACE I THEN TOLD HER I UNDERSTAND THAT THERE ARE GUIDLINES THAT GMAC HAS TO FOLLOW IF THEY SERVICE YOUR ACCOUNT SHE SAID YES BUT COULDNT GIVE THEM TO ME I WOULD HAVE TO CALL GMAC AND ASK FOR THEM? SO I DID AND GUESS WHAT THEY SAID CALL FANNIEMAE FOR THEM ANY WAY IM PUTTING HER NAME AND NUMBER IN HERE START CALLING HER AND LET HER KNOW WHAT GMAC IS DOING TO YOU MAYBE THEN SHE WILL CLIMB OUT FROM UNDER HER ROCK AND SEE THE LIGHT .

HERE IT IS PATRICIA LEHTOLA
ATTORNY FOR FANNIE MAE
972-773-4663 TELL THE OPERATOR TO SEND YOU TO HER EXT
Respond to this report!
What's this?

#5 Consumer Suggestion

Time for an attorney!

AUTHOR: Frank - (U.S.A.)

Go to the web site of the National Association of Consumer Advocates (www.naca.net). Click the "Find an Attorney" link at the top of the web page and search for a lawyer in your area.

It sounds as if you need some serious legal representation to get their attention.

Good luck!
Respond to this report!
What's this?
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?

Advertisers above have met our
strict standards for business conduct.



Ripoff Report Legal Directory