My mortgage payment is due on the 1st of each month. I received a several calls from GMAC's collections department several days after the 1st of the month telling me that they were going to take legal action against me for not making my payment on the 1st. I will openly admit that I have made my payments around the 1st through the 5th of the month (one payment on the 9th - OH NO!!), but I have NEVER missed one payment!! I'd like to know what type of legal action they really can do or is this some type of sick bullying?!? It is well known that a homeowner has until the 15th of the month to make their mortgage payment without any negative reporting. What kind of service is this? I'd hate to think what they do people that don't make their payments on time - come in with a SWAT team and kick you out in your underwear?

I have never been late or missed a payment on my mortgage. In April of this year I filed the paperwork for a loan modification. This was denied almost immediately. I continued to pay my payment each month. Then in September I recieved a letter that they were going to put me on a "temporary" loan modification for 3 months. I paid the next 2 "new lower" payments on time and in full. Mid way thur November I recieved a notice of default. I have been getting the run around from them but the best I can figure is thet the "modification" department is not communicating with the mortgage department. As far as the mortgage dept is concerned, my payment has not been paid in full for 2 months. I have tried to talk to someone that knows their *ss from a hole in the ground, with no avial. I am now getting calls from the forclouser dept. I told them that I would make up the difference in the payments( remember that the mod dept gave me a lower payment). They told me that it was to late and they were starting the forclosuer process. My wife is going to have a stroke over this. I am going to fight until the day I die if I have to. I only did what they told me to do and now they are going to take my house because of their internal issues!! BS!!
We have to take a stand against there bone heads!

paid off my loan online and not with certified check. called next day to informed them, i was paying my off/overpaid because of online talk with rude telephone staff mark #897-8508, oneal#897-8673, xyza#897-509, etc. could not get pricipal off, did not send by certified check. never in my life 63yrs paid off my parent houseloan, iam disable now. what happen to quality service . phyllis a terry #0306877544 acct 919-880-9120

GMAC Mortgage has the rudest customer service people and they change mortgage policies without informing customers. Payment terms and acceptable methods of payment were changed without my knowledge or consent. When I tried to make a large payment they refused my check, sending it back, causing me many days of extra interest and wire fees. When I tried to discuss this with customer service I was yelled at, interrupted, spoken to like a child, and told that they set the terms, changing them whenever and however they liked, and that I had to live with it. They refused my request to speak with management. DO not do business with GMAC Mortgage if you can help it.

i sent a hardship affidavit to gmac mortgage on april 9, 2009. since that time I have been undergoing treatment for cancer at Iowa Methodist and Mayo clinic in Rochester, Minnesota. Due to the fact that I am self employed and am currently unable to work; the reasons for my inability to pay my mortgage have changed greatly. I am unable to talk to anyone at Gmac about my change in health.