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GMAC Complaint - GMAC Broke my heart - GMAC AUTO FINANCE
GMAC AUTO FINANCE - Complaint
My heart is honestly just broken Thanks to GMAC. In 2007 I was involved in an auto accident. It was the fault of the drunk driver. My husband and I thought in at least regards to the car we owned we would be alright. When we bought our car with GMAC we were told about the GAP insurance. GAP insurance is a special insurance that if something bad happens like the car gets totaled it will be paid off in full. The drunk driver caused me to become 100% disabled I will never walk again and I am now in a Wheelchair. GMAC sounded great very supportive at the time and we thought they were on our side all the way. Gap insurance paid off our car so again we thought. My husband worked two jobs for the past two years to buy a home that is all one level because our home is up stairs down stairs. We ran our credit and WOW. B A N K We learned that it took gap almost 6 yes six months to complete the payoff. We were never contacted EVER EVER but on our credit it shows 6 late payments or 6 times late 30 days.
So we called GMAC again and again we got no-place. No remember our car was paid off the account closed and they still would not help even when we were able to show them all of the thank you for your business letters from them and the supportive letters they had sent. All I wanted was for them to change the listing on our credit to say paid as agreed. Being in this darn chair has been so very hard yall I became sad and for the most part withdrawn. I as a wife just honestly wanted to be able to sleep next to my husband in the same room. We did finally get the loan for the ground floor house with disability access but we got it at a much higher interest rate and a higher payment all because of one single account. Word to the wise if you are ever late on a payment Joe blow is better than GMAC a national company and if you have the gap insurance PLEASE PLEASE call your lender no matter what and ask them if you are in good standing do not wait or listen to them say everything is alright especially if you are hurt they are trying to I guess be helpful as in don’t worry get better but the person who calls and tells you this might not be the person who is looking at your loan or making sure that your payments are being processed with GAP or by you yourself. ALSO PLEASE DO NOT DRINK AND DRIVE. The man who hit me was given 90 days in jail and he lost the privilege to drive his car for one year. I got a lifetime in a Wheelchair with spinal cord damage I will never walk again. I will never drive again. I will never be able to dance with my husband again or walk and rock my grandchildren when they are hurt or cry. So please for the love of GOD (((DO NOT DRINK AND DRIVE)))
MRS. RENEA LOPEZ
So we called GMAC again and again we got no-place. No remember our car was paid off the account closed and they still would not help even when we were able to show them all of the thank you for your business letters from them and the supportive letters they had sent. All I wanted was for them to change the listing on our credit to say paid as agreed. Being in this darn chair has been so very hard yall I became sad and for the most part withdrawn. I as a wife just honestly wanted to be able to sleep next to my husband in the same room. We did finally get the loan for the ground floor house with disability access but we got it at a much higher interest rate and a higher payment all because of one single account. Word to the wise if you are ever late on a payment Joe blow is better than GMAC a national company and if you have the gap insurance PLEASE PLEASE call your lender no matter what and ask them if you are in good standing do not wait or listen to them say everything is alright especially if you are hurt they are trying to I guess be helpful as in don’t worry get better but the person who calls and tells you this might not be the person who is looking at your loan or making sure that your payments are being processed with GAP or by you yourself. ALSO PLEASE DO NOT DRINK AND DRIVE. The man who hit me was given 90 days in jail and he lost the privilege to drive his car for one year. I got a lifetime in a Wheelchair with spinal cord damage I will never walk again. I will never drive again. I will never be able to dance with my husband again or walk and rock my grandchildren when they are hurt or cry. So please for the love of GOD (((DO NOT DRINK AND DRIVE)))
MRS. RENEA LOPEZ
RENEA LOPEZ
Comments:
Posted by MRM on 2010-06-25:
Ms Renea, thank you for sharing your experience with your loyal readers. That is a shame that the drunk driver basically got a slap on the wrist compared to what you are going through. I wish you and your husband the best in life.
Posted by MRM on 2010-06-25:
And not to be offensive, but it just seems hopelessness of telling them not to drink and drive as they will choose to do so anyway.
Posted by clutzycook on 2010-06-25:
wow, that's a sad story all around. I hope you got a lawyer and sued that A-hole for pain and suffering.
Posted by MRM on 2010-06-25:
Sad story, indeed. This is one of the few post that got me teary eye. Real Talk...
Posted by Slimjim on 2010-06-25:
Very sorry to hear of your plight. I would dispute the entry as "never late" with the credit bureaus in maybe about3-6 months. Maybe it won't be validated by them if time passes and it has been closed. If they do deny your claim, you have the option of writing your own text and explanation into your credit file. I certainly would do that and document your side of the incident at least to potential credit granters in the future. First though, file the dispute. If it does go away, then the problem is solved.
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