GMAC Stolen Insurance Claim checks Waterloo Iowa

In July 2008 I filed an insurance claim to have water damage to my garage fixed. My insurance agent was on the job right away. Had my check for repairs in less then 7 working days. But they had to put GMAC name on the check. In turn GMAC stated "if it was below a a 10,000.00 claim to put my account number in the upper right hand corner of the check".

I did and send it tracking with the paper work I was sent filled out. In turn GMAC sent the paper work as well as the check back to me. Told me I was to sign my name on the check and resend the paperwork and the check. This was in August 2008. Next in September GMAC called my at my work place nearly causing me to lose my job to tell me I needed to fill out yet more paper work and it would be sent to me.

Next I received the paper work that needed to be filled out and have it notarized. GMAC kept the insurance check, though. October 16, 2008 I called GMAC insurance claim department and was assured 1/3 of my check would be disbursed within 5 to 7 business days. As of November 3, 2008 I didn't recieve a check, a call, or anymore paper work. Just an informal letter reading my check was put into a separate escrow account and to call again.

I did call and was told I need to re-do and have the contractor as well as myself resign and notarize all the paper work. I had to pry out of the GMAC female non speaking English rep. as to what paper work. Then I was told I wasn't allowed to have any of my paper work back or the check. That if I didn't make copies I was just out of luck.

The rep. contacted a Mr. Marin White while I was put on hold. Then came back to me saying Mr. M. White stated this this and that. I asked to speak to Mr. M. White myself. Put on hold again for 5 or more minutes. The rep. got back on to tell me Mr. M. White left work 20 minutes before I called.

Now I'm left with the paper work I did copy of course and have to call my contractor to meet me again to re-sign and notarize the paper work. Please no I live in Michigan and the time frame of this insurance claim and trying to get my garage repaired has lead to further damage to my garage the past 3 months.

GMAC states they have interest in my property yet in letting it go to ---- in a hand bag. Now my contractor and myself are left to do the clean up and repairs during the winter months. I honestly believe GMAC is keeping my insurance claim check in a separate escrow account with full intent to rip me off and keep it. If anyone knows what my rights are regarding this I sure would appreciate some input.

Many thanks for letting me vent,

Laurie
roseville, Michigan
U.S.A.