A problem with GMAC auto financing

Question

okay I recently got a 2004 dodge stratus.. about a 10 months ago. well 3 months after having it a lady runs in the back of me totaling the car out. I didnt have gap insurance. My insurance company figured that the total was around 7800 dollars. While I still owed a little over 10000. So my insurance paid what they could and my remaining balance is like 2,239.00 I tried to pay my payment online which i did every month on gmacs' website. It tells me my account is invalid. I had emailed them about 2 weeks ago and they never emailed me back . then i receive a letter telling me that gmac has made every attempt to contact me and now that i havent paid anything i owe the whole balance. And prior to all this mess when i had talked to gmac about the wreck they told me they would try to get the car paid off seeing it was not my fault. Come to find out that was BS. This company has gave me nothing but problems and I will never use them again. Has anybody had problems with them before. BTW I was never late on my payments and paid them online.

Answer 1

Talk to a attorneyand see what it cost to resolve and show them the letter you recieved.

Answer 2

I never had problems with them but they are a huge company and typically inept because of their size.  It's water over the dam now, but you should have picked up the phone and called them, or sent them a certified letter.  Whoever at GMAC  told you they would try to get the car paid off for you was just plain wrong.   Now you need to call them and see if you can work out a payment arrangement with them.