WABROKER

(August 30, 2009)

Since falling behind on or mortgage payment last month, GMAC has been contacting us constantly about the missed payment.

One day I came home to find a note on my front door which read–YOU’RE LATE, PAY UP!

A few days later, someone dropped a similar note adressed to my wife on my neighbor’s porch. How embarrassing.

I have also had a number of phone calls with representatives from GMAC. Today, however, the representative from GMAC on the phone seemed like a somewhat logical person so I decided to ask him a question that has been bothering me.

I know that GMAC records all of their phone calls for “quality assurance purposes.”

I asked the man on the phone why he could not play back the conversation that my wife had with GMAC on July 9, 2009.

A recording of this conversation would explain why we thought we were granted a two month forbearance from our loan yet GMAC has no record of the agreement.

The representative stated that he could not play back the recording.

He then asked if I had any kind of documentation from the GMAC representative that my wife spoke to. I said that I did not have any written documentation.

Later in the conversation he stated that GMAC still needed one additional document to complete our loan modification package so we could get stop foreclosure help.

I asked him to send me some written documentation that only one more financial document was needed.

He replied that he had no way to send me any written conformation of this statement.

Then how could I have gotten something in writing from the operator who granted us a forbearance?