GMAC - Homecomings Financial unwilling to help anyone but hurricane victims...ripoff...what about us??? Dallas Texas
We live in indiana and homecomings bought our loan from another company.we are very sick that we got stuck with a company that is so disturbing. we are currently not 30 days delinquent but will be as of nov.24,2005. i was taken off work for maternity leave and my jod was not given back to me.my husband frames houses for a living and with delco having their problems things are slow for him. homecomings is already talking of foreclosure and i think that is very unprofessional. we have 4 children and work to do our best. i had told homecomings that i would make a $200.00 payment each week so we could hopefully catch up and i was told they do not accept partial payments...to me i think their concept is to foreclose instead of reasonable solutions.they say partial payments are too hard to credit properly well if you are hired to push paperwork then don't complain of the paperwork you have to push. to me if an effort is made then there should be some type of solution or courtesy.homecomings talks of customer service and priority to its customers. my question is where is it? I understand that the hurricane victims lost everything and our hearts go out to them, but there are other people in this country that need assisted too. i think it is wrong to take somebody's home from them when thay are giving all they can,but i guess they would rather see economy even worse than it is. aren't our shelters full enough. shouldn't everyone have a decent chance at a happy life in a home without having to worry about coming home to your belongings locked in the home or thrown on the street.this company is very disappointing and i see no customer support. they do not return calls and they send you letters saying they have options to help you and then say they can't do anything for you. EITHER YOUR CUSTOMERS ARE IMPORTANT OR THEY ARE NOT. EITHER YOU CAN HELP OR YOU CAN NOT>>>>DO NOT ADVISE SOLUTIONS YOU CAN NOT DO OR ARE NOT WILLING TO DO.
Stephanie
bunker hill, Indiana
U.S.A.
4 Updates & Rebuttals
Allison
Easley,South Carolina,
U.S.A.
Title not being cleared.
#5Consumer Comment
Thu, December 01, 2005
Hey.You wrote that you purchased a house 5 yrs ago and found out there was not a clear title. That is what I am dealing with now. Homecomings did not pull a complete title search on my property and does not even have a title commitment. I did an adjustable rate note 4 yrs ago thinking I would refinance after the 3 years (never knew of the liens on my property)but I found out at closing this year about3 liens on my property (from my brother in law, not even mine) and so now I can not refinance nor sell my home. I am just interested in how you handled that and if you have anything that could help us. I truely hope your mess with your mortgage company works out. Please respond.
Thanks
Daniel
Ft Lauderdale,Florida,
U.S.A.
ok stephanie
#5Consumer Comment
Sun, November 20, 2005
once again to all having trouble please read gmac deaf dumb and blind . i know the storys long but if you can read it there is and are peoples names and ph numbers in there for you to call and ask for help . call hud call respa call them all stop wining about you life and get off your butts and do something about it get mean and nasty with these people now stephanie heres a number for a lady at gmac her name is carla bearbower 800-205-4622 she has just helped me with a problem with gmac and in fact she is the only customer service person that said i will call you back and then did it be nice to her she does seem to be on the ball and now heres the secret phone number once again this is as high up the chain of command in gmac as you can get these are the people that anwser for the ceo of gmac that number is 888-462-2864 if anyone wants any more info add it to my story as i have now moved into the second breif case with my case which i guard with my life you see i have been dealing with gmac for almost three years now and iam not giving up .got to run now and put up the hurricane shutters again as fla is in for another hurricane
Stephanie
bunker hill,Indiana,
U.S.A.
reply for unfortunately business
#5Author of original report
Sat, November 19, 2005
You probally live high on the hog. I think it is absolutely ridiculous that you agree a full payment is better than none. Besides our payment is not 30 days untill the 24th of the month and that is the point. another point is they offer to help with payment options to help and then do not help. I have been asking for a workout kit for 2 months and still have not received it. late fees do not help either and they will not accept payment unless late fee is included, but of course they did last month along with taking 200.00 payments each week. where exactly is your sensitivity toward a person in a hard position. there is no need to be hateful and rude to someone trying to help others not to be mixed up with this company. I also think it is sad that they try to offer us insurance through their company when they are being so terrible about a mortgage payment. I do not care who you are, everyone has a hurtful time and eventually you will get yours. When you do I hope you have people to lean on. I will surely ppay for you. About 5 years ago, we bought a home and lived there for 9 months to find out that the title was not cleared and yes we payed for title of insurance, we had no money for an attorney therefore we lost our home. I will be damned if I am going to let another company screw us again....I also found out from an attorney that your house has to be 3 months behind before foreclosure can take place in the state of indiana...We are not asking for any special skip a pay or anything, but you could be a little more considerate and work with your clients.It is about business.Don't you think if people referred others to you you would have a better business.Use alittle common sense PLEASE!!!!!!!
Stephen
Cranston,Rhode Island,
U.S.A.
Unfortunately it is business
#5Consumer Comment
Fri, November 18, 2005
I feel badly for your families situation. However,any lender/bank is a business and has a right to expect full payment in a timely manner. Why should they accept " whatever you are able to send" you are responsible to provide for your family.
If you have equity in the home and can not afford the payments I suggest you put your home up for sale.