My father and I purchased a car in July of 2006. I made payments on the car on time every month no questions. In December of 2007 I sent a check that was cashed my banked verified for me but according to GMAC, they never received payment. I continued to send in my checks while attempting to talk to someone that knew where my money was, considering myself and my bank sent them copies of the check with their endorsment, but every month GMAC considered me a month behind in payments and tacked on late fees each month. Finally in July of 2008 after demanding to talk to someone with an IQ, my check was found, it had never been applied to my account. Mind you this was only after sending them nearly $1800 in one check. Ok things were fine until I set $250 more than mypayments actually were. Problem two with this company. I wrecked the car in Febuary of 2009 and was out of work. I sent them some money each month but not the full amount which again late payments were tacked to my account again. Finally I got notice from them saying they were going to repo my car if payment in full was not received by noon that day, they called at 11:30! So I sent payment in the next day via moneygram in the amount of back and latepayments but not the repo fees. They sent the money back and took the car two weeks later! When I called and my father called we were givin the run around with no answers and now out of the blue a year later with no notice my fathers wages are being garnished for $12, 000 even though we settled on $5, 000 since we had so many issues. My lawyer is pleased to see a pay check coming his way. What a bunch of crooks! Run from GMAC no matter how good that 0% interest looks!

they didn't send me a bill I did a extension so my payments were different than usual amount in Jan when didn't get bill didn't think anything of it then they called said I was late now they are harassing me and threatening to take my car. in these hard times you would think that they would be just a little lenient but no all they care about is getting money I work in a grocery store I'm not Rockefeller I offered to pay money each week but they said we cant do that ???Why not at least it shows I'm trying

After adding our young daughter to our car insurance policy, the rate was through the roof. We decided that we could no longer afford that kind of expense, so we decided to drop our daughter's coverage, so that she could find her own coverage. We were told by our carrier that if they drop her, she would have to turn her license in to them. So, we went shopping for less expensive coverage and found it to the tune of $150 less a month. We purchased it, and then notified our insurance carrier that we now wanted to cancel our policy with them. We were told that they had to have it in writing by a certain date in order to avoid a premium to be due that month. We followed this request, but, the premium was still automatically withdrawn from our account. In talking with the car insurance carrier, they said that there was till an amount owed towards our Premium. We were never told or is it in writing that when we cancel that they can still try and collect. The bank did reverse the charge, after taking in documents proving that we had sent our request in before the due date, like we were asked. Our carrier never mentioned to us in conversations that there might be additional charges. We are aware that the law states that we have to maintain financial responsibility continuously throughout our vehicles registration period. Which we did, we obtained car insurance coverage with another carrier before we canceled our policy. We have been with the previous carrier for years, never an incident or a claim, they have been gouging us with high premiums and want even more.