My ex wife, unbeknownst to me, bought a car for her daughter by forging my name. We were divorced three years ago (september 2003) and the car was dumped in my parking lot with a note that said "I cant afford this car - its yours now". So I assumed payments. I had to file for bankruptcy because she hit me with quite a few bills - about $50, 000 - that I got stuck with in the divorce. When I filed bankruptcy I kept the car separate so that I could pay it off.

I called GMAC in September of 2004 to find out what the pay off was and how much the payments are and was told my their representative (I did not get her name, but it doesnt matter as when they write their "notes", they put in them anything they want) that I had 23 payments of 323.23 dollars left. Ive paid GMAC dilligently, every month, with last month being the final payment.

I called in today (August 25, 2006) to find out how to go about getting my title and was told that I still owe $1, 438.27 on the car. I explained what I had been told and he said (Clinton A - wouldnt give me his last name though I asked for it repeatedly) that there is no record of my call on that date. He went into great detail about the payment history and all sorts of missed payments, and something about a .50 cent a day charge on something to do with the original loan and I asked him to email me a copy of the payment history which he said he would do. He then got my current address and my email and told me he would NOT email me (as apparently GMAC doesnt do that sort of thing) but he WOULD mail it to me.

I want why GMAC has added almost 1, 500 to the price of the car and what I can do to make these weasels adhere to their original agreement.

MY HUSBAND AND I HAVE BEEN DRIVING CADILACS NOW FOR OVER 8 YEARS. THIS PAST JUNE THE LEASE ON OUR 2004 ESCALADE WAS UP. DUE TO A DEATH IN THE FAMILY WE WERE NOT IN THE MARKET TO LEASE ANOTHER VEHICLE. (WE ARE USING MY MOTHERS CAR UNTIL HER LEASE IS UP BECAUSE WE CAN NOT AFFORD THREE CAR PAYMENTS). UNFORTUNATELY WE RETURNDED THE VEHICLE TWO WEEKS LATE DUE TO MECHANICAL PROBLEMS WITH THE OTHER VEHICLE. BUT WE DID NOT JUST RETURN IT LATE WE CALLED MCGUIRE CADILACE TO MAKE SURE IT WAS OKAY. THE WOMEN ON THE PHONE RESPONDED YOU GUYS ARE GREAT CUSTOMERS THEY USUALLY GIVE YOU TWO WEEKS GRACE! WELL A COUPLE OF MONTHS AGO I RECEIVED A BILL FOR $1470.86. SO OBVIOULSLY I CALLED AND THEY SAID WELL WE CHARGE YOU A PERCENTAGE OF THE LEASE FOR RETURNING THE CAR LATE! MIND YOU THE TRUCK WAS ALREADY SOLD AT AUTION, IT WAS IN MINT CONDITION AND I RETURNED IT WITH AN AUTOMATIC START WHICH I INSTALLED MYSELF. SO I FIGURED OKAY I AM SURE WE COULD WORK THIS OUT, I OFFERED TO GIVE THEM A MONTHS PAYMENT ($882.00) AND THEY REFUSED! THEY WERE WILLING TO TAKE OF 10% AND I REFUSED. I FEEL LIKE THEY ARE JUST TAKING ADVANTAGE OF US, BASICLY THEY ARE ROBBING THEIR CUSTOMERS. WITH TODAYS ECOMNOMICAL SITUATION WE ARE ALL FEELING THE CRUNCH. THEN I ASKED IF WE COULD SET UP A PAYMENT PLAN AND THE NASTY WOMEN SAID WE DON'T DO THAT WE WILL STILL TURN OVER TO COLLECTIONS. SO AS I SEE IT THERE IS NO REASON TO PAY WHAT THEY SAY WE OWE IF THEY ARE GOING TO RUIN MY CREDIT.

I WOULD GREATLY APPRECIATE ANY AND ALL HELP YOU MAY BE ABLE SUPPLY!