Greenpoint Credit we lost everything thanks to Greenpoint & their hoods ripoff abused & mistreated ripoff thieves Tennessee - Texas

I have had a good experience with Greenpoint Credit. We have financed our home with them and made payments for the last five years. My husband is self-employed and we have gotten behind a few times in the past. Greenpoint's customer service personnel have always been pleasant to deal with. I usually pay my payment over the phone and always keep the check with the confirmation number. One time that we were late on a payment the customer service rep. sent me self addressed/pre paid postage envelopes to mail my payment to Dallas, TX. Although I feel sorry for the people on this website who have had bad experiences, I would like to suggest that you always call your creditor and let them know about your situation. It does no good to wait them out. As I said before, my husband is self-employed and money can be slow for us sometimes, I always call and let them know. My payments are usually made as a post-dated check that they cash on the day I specify. Also, they have told me that by doing this the payment is credited as being on time, it is like setting your own due date!

I was shocked, but not so much surprised by the rip-off stories I've just read. I would like to share some information that may help others in dealing with Greenpoint Credit.

First off, (although I do not know about Tennessee) Texas can take all your possesions and sell them at Sheriff's Auction to recoop a creditor's money. I have family living in Texas who have had that experience. They even took the children's toys, clothes, food, etc. The biggest mistake you made was to buy a house in Texas and get behind on your bills.

Greenpoint Credit has a Telephone Payment option. There is a fee of $2.50 charged when you do it that way, but the automated service gives you a CONFIRMATION NUMBER with the transaction. If you get in a dispute with Greenpoint or any other creditor about payment, make sure you have that confirmation number at hand. If they try to say the payment wasn't made, that covers you.

Also, if you talk to someone by phone, make absolutely SURE you get their first and LAST name. You won't believe the times I've talked with someone in customer service who doesn't exist when I call again!

This is a hard time for us all. I have been homeless before and know the misery intimately. Hang in there.

we got behind on a couple of payments and made arrangemnets to pay them. we submitted the request in writing and never heard a yes or no answer. so we did what we agreed by the letter we wrote them. a few months had past and we got a knock on th door from our county sheriff giving us a notice of tresspass to leave the propperty within two weeks. we notified the court and since we wrote the agreement we were all set. so we kept on making payments as agreed. we sent them a treasures check for a payment and they tried to say they never got the check. so we called the bank and the bank had found out it was cashed and still as of today two years later not on our acccount yet. they are trying to tell us that we are 3 months behind. we had it set up to be taken out of the bank book and a couple of months they didd'nt take it. it sat there for a long time. one day they called my wife and asked where the payments were. they even harrrassed her at work. they said that we were in default of the agreement. we told them that it was in the bank. they finally took the payments out. the money order they say they never got one person said it was applied toward fees to our loan, we requested a copy of our account history and nowhere on our account the payment of the check they said they never got but cashed was not anywhere on the account. we have talked to every one there and they say they will take care of it. bull s**t. since they tried to repo the house and they screwed up our payment history no one will refinance us.

my advice is get copies of your account frequently. they even called my aunt for her to pay my loan to date.