Complaint Review: GMAC Homecomings - Waterloo, Iowa Nationwide
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- Author Confirmed
- GMAC Homecomings PO Box 205 Nationwide U.S.A.
- Phone: 800-799-9250
- Web:
- Category: Mortgage Companies
GMAC Homecomings Refuse to Communicate with Deaf Person by mail on payment arrangements Waterloo, Iowa And Dallas, Texas Nationwide
*Consumer Comment: You must learn the basics
*Consumer Comment: You must learn the basics
*Consumer Comment: You must learn the basics
*Consumer Comment: You must learn the basics
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I was suspended from work for one week, and was not able to meet my house payment for the month of May (which was the first time this happened). I wrote a letter to GMAC Homecomings on May 19, 2008, explaining my situation. I made the following offer:
A. Skip month of May.
B. Resume payment as normal June 15, 2008 after using the grace period.
C. Having already sent in $134 for May towards the May payment, I have $400 left to catch up. Catch up schedule will be as follows: $50 in July, $100 each for August September and October, and a final $84 in November.
D. Late fees waived.
I was smart enough to send my letter by certified mail, return receipt requested as I am aware of the problems other people had with this organization. Also, last year, when I called them on the relay service because I am deaf, GMAC Homecomings put me on hold for fifty (50) minutes then disconnected me. So I decided to communicate this way.
A letter was sent on June 2 claiming they got my letter on May 27 (the return receipt shows they got it May 21). They asked me to call them by telephone, which I am not going to do because of my negative experience, so I repeated my offer, and telling them why I am communicating by mail. This response was mailed on June 5.
The next day (June 6), I got a letter from GMAC saying they want to put me on foreclosure unless I cure the behind payments in thirty days. They also want to visit any time and will bill any expenses to me. They also will refuse any payments unless its done via cashiers check or certified funds, which adds some work to me.
I already have a second job. All other creditors have been willing to work payment arrangents by mail, except this one.
I can understand their heavy handness if I were like three to five months overdue. But only one month overdue with the second month overdue of grace period yet to expire? Come on.
As we speak, I have obtained a legal referral from my prepaid legal plan and will be mailing the attroney a letter. I am planning to let my Attroney General Steve Carter know about this situation.
I am willing to give a positive follow up to this report as soon as GMAC agrees to the repayment plan or at least negoliate with me by written means such as email or regular mail as I am deaf plus the sloppy way I was treated on the phone last year (50 minutes on hold with the deaf relay and disconnected). This by the way, is a violation of Americans with Disabilities Act of 1990 which provides reasonable accomodations on basis of disability.
Orange
Indianapolis, Indiana
U.S.A.
This report was posted on Ripoff Report on 06/08/2008 02:31 PM and is a permanent record located here: https://www.ripoffreport.com/reports/gmac-homecomings/nationwide/gmac-homecomings-refuse-to-communicate-with-deaf-person-by-mail-on-payment-arrangements-wa-338255. 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. READ: Foreign websites steal our content
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#4 Consumer Comment
You must learn the basics
AUTHOR: Fed Up - (U.S.A.)
SUBMITTED: Sunday, June 08, 2008
Hello -
I am sorry to hear what GMAC is putting you through...
The information that I will write is for information purposes...and not to be taken as legal advice.
The best thing you can do is fight back.
Step 1
Search the web for "modern money mechanics" (this is not my site)...but has very good, excellent information that will set you FREE.
Step 2
You must understand what the mortgage company or banks did to you at the time of the loan execution.
Step 3
search the web for: "you funded your own loan" (this is not my site either)...but can jump start you to understand the illegal process that financing companies and banks do without your knowledge or agreement.
Step 4
Write a letter to your mortgage company asking them to validate/verify the debt
Ask the following questions
A. What is the alleged agreement
B. What was loaned to you credit or money
C. Provide proof that they have a risk / loss to demand money from you
D. Request a copy of their general ledgers
E. Ask them if they made you a borrower or a depositor
F. Ask them what was the consideration given or provided for the bank check
G. Did their assets decrease when the alleged contract was executed?
Ok, even though you ask them these questions - I can tell you right now that they are not going to answer them. They will take and remain on the position that you owe them and you are late/defaulting on the loan.
If they answer these question, they will expose the fact that they committed fraud.
We must learn the system that we - so often turn to for financing. We are funding our own loans and therefore, we don't owe them anything. They owe you.
Lack of knowledge is costly...so empower yourself and your family - so you don't have to struggle anymore, trying to pay for things that you already own...you just don't know that it's been paid in full - from the beginning.
Someone asked me - how can the banks do this and get away with it for so long?
Because we don't know they committed fraud. As long as we remain in the dark -they can continue to do this.
When will we STOP THEM...When will we have enough of being SCREWED?
When will we TAKE the CONTROL of the economy?
WE HAVE THE POWER TO MAKE THINGS HAPPEN... and we CAN STOP things from happening as well!
Are you fed up like I am? DEMONSTRATE IT...put your actions where your MOUTH IS....
Join us in this fight.....and stay strong
#3 Consumer Comment
You must learn the basics
AUTHOR: Fed Up - (U.S.A.)
SUBMITTED: Sunday, June 08, 2008
Hello -
I am sorry to hear what GMAC is putting you through...
The information that I will write is for information purposes...and not to be taken as legal advice.
The best thing you can do is fight back.
Step 1
Search the web for "modern money mechanics" (this is not my site)...but has very good, excellent information that will set you FREE.
Step 2
You must understand what the mortgage company or banks did to you at the time of the loan execution.
Step 3
search the web for: "you funded your own loan" (this is not my site either)...but can jump start you to understand the illegal process that financing companies and banks do without your knowledge or agreement.
Step 4
Write a letter to your mortgage company asking them to validate/verify the debt
Ask the following questions
A. What is the alleged agreement
B. What was loaned to you credit or money
C. Provide proof that they have a risk / loss to demand money from you
D. Request a copy of their general ledgers
E. Ask them if they made you a borrower or a depositor
F. Ask them what was the consideration given or provided for the bank check
G. Did their assets decrease when the alleged contract was executed?
Ok, even though you ask them these questions - I can tell you right now that they are not going to answer them. They will take and remain on the position that you owe them and you are late/defaulting on the loan.
If they answer these question, they will expose the fact that they committed fraud.
We must learn the system that we - so often turn to for financing. We are funding our own loans and therefore, we don't owe them anything. They owe you.
Lack of knowledge is costly...so empower yourself and your family - so you don't have to struggle anymore, trying to pay for things that you already own...you just don't know that it's been paid in full - from the beginning.
Someone asked me - how can the banks do this and get away with it for so long?
Because we don't know they committed fraud. As long as we remain in the dark -they can continue to do this.
When will we STOP THEM...When will we have enough of being SCREWED?
When will we TAKE the CONTROL of the economy?
WE HAVE THE POWER TO MAKE THINGS HAPPEN... and we CAN STOP things from happening as well!
Are you fed up like I am? DEMONSTRATE IT...put your actions where your MOUTH IS....
Join us in this fight.....and stay strong
#2 Consumer Comment
You must learn the basics
AUTHOR: Fed Up - (U.S.A.)
SUBMITTED: Sunday, June 08, 2008
Hello -
I am sorry to hear what GMAC is putting you through...
The information that I will write is for information purposes...and not to be taken as legal advice.
The best thing you can do is fight back.
Step 1
Search the web for "modern money mechanics" (this is not my site)...but has very good, excellent information that will set you FREE.
Step 2
You must understand what the mortgage company or banks did to you at the time of the loan execution.
Step 3
search the web for: "you funded your own loan" (this is not my site either)...but can jump start you to understand the illegal process that financing companies and banks do without your knowledge or agreement.
Step 4
Write a letter to your mortgage company asking them to validate/verify the debt
Ask the following questions
A. What is the alleged agreement
B. What was loaned to you credit or money
C. Provide proof that they have a risk / loss to demand money from you
D. Request a copy of their general ledgers
E. Ask them if they made you a borrower or a depositor
F. Ask them what was the consideration given or provided for the bank check
G. Did their assets decrease when the alleged contract was executed?
Ok, even though you ask them these questions - I can tell you right now that they are not going to answer them. They will take and remain on the position that you owe them and you are late/defaulting on the loan.
If they answer these question, they will expose the fact that they committed fraud.
We must learn the system that we - so often turn to for financing. We are funding our own loans and therefore, we don't owe them anything. They owe you.
Lack of knowledge is costly...so empower yourself and your family - so you don't have to struggle anymore, trying to pay for things that you already own...you just don't know that it's been paid in full - from the beginning.
Someone asked me - how can the banks do this and get away with it for so long?
Because we don't know they committed fraud. As long as we remain in the dark -they can continue to do this.
When will we STOP THEM...When will we have enough of being SCREWED?
When will we TAKE the CONTROL of the economy?
WE HAVE THE POWER TO MAKE THINGS HAPPEN... and we CAN STOP things from happening as well!
Are you fed up like I am? DEMONSTRATE IT...put your actions where your MOUTH IS....
Join us in this fight.....and stay strong
#1 Consumer Comment
You must learn the basics
AUTHOR: Fed Up - (U.S.A.)
SUBMITTED: Sunday, June 08, 2008
Hello -
I am sorry to hear what GMAC is putting you through...
The information that I will write is for information purposes...and not to be taken as legal advice.
The best thing you can do is fight back.
Step 1
Search the web for "modern money mechanics" (this is not my site)...but has very good, excellent information that will set you FREE.
Step 2
You must understand what the mortgage company or banks did to you at the time of the loan execution.
Step 3
search the web for: "you funded your own loan" (this is not my site either)...but can jump start you to understand the illegal process that financing companies and banks do without your knowledge or agreement.
Step 4
Write a letter to your mortgage company asking them to validate/verify the debt
Ask the following questions
A. What is the alleged agreement
B. What was loaned to you credit or money
C. Provide proof that they have a risk / loss to demand money from you
D. Request a copy of their general ledgers
E. Ask them if they made you a borrower or a depositor
F. Ask them what was the consideration given or provided for the bank check
G. Did their assets decrease when the alleged contract was executed?
Ok, even though you ask them these questions - I can tell you right now that they are not going to answer them. They will take and remain on the position that you owe them and you are late/defaulting on the loan.
If they answer these question, they will expose the fact that they committed fraud.
We must learn the system that we - so often turn to for financing. We are funding our own loans and therefore, we don't owe them anything. They owe you.
Lack of knowledge is costly...so empower yourself and your family - so you don't have to struggle anymore, trying to pay for things that you already own...you just don't know that it's been paid in full - from the beginning.
Someone asked me - how can the banks do this and get away with it for so long?
Because we don't know they committed fraud. As long as we remain in the dark -they can continue to do this.
When will we STOP THEM...When will we have enough of being SCREWED?
When will we TAKE the CONTROL of the economy?
WE HAVE THE POWER TO MAKE THINGS HAPPEN... and we CAN STOP things from happening as well!
Are you fed up like I am? DEMONSTRATE IT...put your actions where your MOUTH IS....
Join us in this fight.....and stay strong
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