On 04/01/09, just before a Sheriff's sale was scheduled for my primary residence, I received the following letter from GMAC:
As we have been informed the above-referenced property is vacant, we will be sending a representative to the property within seven days to rekey and winterize, if applicable.
We are taking this action for the protection of our security under the terms of the Mortgage/Deed of Trust.
If you are maintaining the property, please contact teh Collections Department at [protected] and we will attempt to cancel the work order.
Collections Department-Loan Servicing
Since I LIVE HERE, I called to "cancel the work order, " which the representative did right away and seemed eager to dismiss the issue and get off of the telephone. I told her, "You know, I find it hard to believe that with SO MANY forclosures out there, that GMAC is sending people around to each of them to get "informed" about whether the property is vacant, and to rekey the property. This seems like more of an effort to avoid waiting the 6 months after forclosure to kick people out by having GMAC say the property wasn't occupied . . ."
She said that, "Yes, we send those letters out to everyone, and if they call in, we note that the property is occupied."
What a LOAD OF CRAP! So GMAC is putting hundreds of thousands of homeowners in a panic, as if they had nothing else to have anxiety about, by stressing them as to whether they have 7 days rather than 6 months to get out of their house after forclosure. And they do this because GMAC is too lazy, cheap, and greedy (sound like a familiar pattern? Like the one that got us into this mess?) to actually let the presumption be that the home is occupied, or to go check it out for themselves. There was NO INFORMATION that would have suggested I was NOT LIVING HERE. GMAC was on a fishing expedition and was hoping to bypass the President's efforts and statutory timeframes by claiming they'd made an effort and found the home unoccupied due to a lack of a response. If that's not illegal, it should be. I recorded the conversation.