Complaint Review: HomeComings Financial - Bank One - GMAC

In July of 2001 I entered into a repayment agreement with Homecomings Financial. This was due to my ex-husband not paying the house payments by fraudulently sending a check then cancelling it from the bank.
By the time I had found out and kicked him out I was 4 payments behind.

My case was turned over to Teri Salas, who was about the nastiest person I've ever spoke too. Other then Scott Shaunasey! I had no problem in repaying what was owed and went after my husband, a conman (ALAN G GREENBERG who works for Honeywell here in AZ, and is now on PROBATION. I was on my own and after only 3 weeks of marriage I was now totally broke and about to loose my home.

I was the one that immediately made contact with Homecomings to get things hopefully taken care of the right way. They literally tacked on about $260.00 per month plus then an escrow account added another $150.00 Taking me from $832.00 to right at $1300 per month. This made me behind on all my other bills also. I lost 45 days of work due to the emotional and mental stress, plus my own personal business suffered. The rest of my payments I could not pay. All I could afford was my insurance for medical and my car, plus my car payment and that fell in the rears. I finally have that caught up.

I continued to send in my payments according to the agreement until there was a mix up on my part in Nov. I got that straighted out and sent alot of money in by this time. In fact within 9 months I had sent in over 14,000 to repay this loan.

Then they came along and added another 150.00 per month on for an escrow account which I had requested when I purchased the home. That was never done yet they kept billing my sister for the taxes since she was the original owner. She still gets bills today!!

After fighting them from 2001 and dealing with Numerous personel such as Bonnie Fuollen who told me there were two accounts with enough money in them ($2600) to cover the next two months on my payments and said to only send the final payment in. Which to my trusting her, I was screwed over and this was denied by her at a later time of course.

Twice during this period my payments were returned due to their own negligience. I was even told by Teri Salas that they have no idea what the financial dept is doing compared to collections. And again I had to have a substantial sum of money to them by a certain day and certain time or I'd be back in foreclosure. I made in just about 6 days in March and April of 2002 numerous phone calls that were never returned to Teri Salas, which she had noted them but never returned them. When I asked her why she didn't she said she just didn't. Finally the major blow came.

On May 10th I had a man show up at my door stating that he owned my home and had puchased it at auction on May 8th. Never at ANY time did I receive any notice and had even made my final payment on April 26, via Western Union that should have had paid this situation payed off.

Instead they sent my home into an illegal foreclosure. AS Noted by the a judge, *as and illegal foreclosure and a investigation and charges were pending along with my lawsuit."

Needless to say I was devastated! I am a single woman and work two jobs to make ends meet. Only to have it taken away by these idiots. I had called and called and finally on May 12th I recieve a letter dated May 7th to contact Homecomings to reinstate my mortgage. Gee how can you respond to a letter that you recieve on May 12th that is dated May 7th, and at no time in that letter was it stated that my home was in foreclosure, just that I should contact them to fix this situation.

On the same day I recieve a letter from Western Union telling me that my payment had been DECLINED! I immediately called Western Union and purposely left the money in that account for over 26 days. They also told me that Homecomings is notorious for allowing payments to sit for at least 15 days or more even cash payments that they recieve within fifteen minutes.

Needless to say I called MS Salas. I waited for over 30 minutes to talk to her on my cell! When I told her what had happened her reply was "I don't know what to tell you. There is nothing I can do about it now!" I was furious. I immediately contacted my attorney and had written down the contents of the conversation. As I have with everyone I've spoken too. Teri Salas' assistant told me that she's very rude and acts like she out to get everyone!

For two months I fought very hard to hang on to my home. The man that had purchased the home had no bill of sale or anything other then a hand written reciept which meant nothing to me.

Finally we went to court. I had kept him out of my home for 2 months. He was proven by no fault of mine or his that he was the bonified purchaser, and that if I moved within 5 days they would not charge me any attorney fees, court costs, monthly back rent. etc etc.. I also was found to not be EVICTED and that this was an illegal sale with stipulations. I fortunately found a home to rent and moved within three days with my ELDERLY parents helping me. I had to borrow over $10,000 from their Credit card to help get me out of this.

On top of everything I else I received a notice that there was money being held by the Title Company, Capital Title in lew of over $10,000. That just payed to recover that my moving expenses and not even the money I still owed to the credit card co. I still owe that. Needless to say that after being threatened with their name being added to this lawsuit they could either turn the money over or they could join the suit, they payed up!

I only of course got back about $7800 of that. I had even tried to call as high up as Chris Caroul at GMAC only to be told that they are no longer handling Homecomings problems. Gee I wonder why?

Now several months down the road, and about two weeks ago we get a call from their attorney, One from Homecomings and one from Bank One and another yet from the company that purchased my home. They all of a sudden want to settle! I'm not settleing for less then a sum that will be their worst nightmare!.

If they want to fight more we go to court. We are more then prepared! They sent out a notice where they even asked for an extra 10 days to respond to our suit. To my suit they responded with the fact they knew nothing about alot of nothing. Only where they showed payments were NOT made.. or posted as not made, funny I have all my reciepts from Western Union. We just finished with our disclosure statement. So I am sure we will know something this next week.

Basically there is another sight out there. Go to www.baddealings.com Use all means and contact an attorney on a contingency basis. There was just a MAJOR case settled and payed on in UTAH. There are more and more.

For those of you in the Phoenix Metro area definitely contact Mr Brad Gardner. You may also contact me by using the rebuttal box and I will gladly testify on your behalf. I'm here to help anyone that I can because of what they did for me! I believe this all happened for a reason. And this is it. I'll do whatever I can to help. Many many out there are losing their homes to these crooks, and it's time we start making a stand!

IGNORE those NEGATIVE repsonses.. remember those people work for Homecomings. They are on every sight.

Brenda
Gilbert, Arizona
U.S.A.

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