I called GMAC Mtg to let them know I was going to be late on my Sept. mtg. pmt. They asked if times were tough I may qualify for a loan modification. I said great I'll try it out, work has been slow. A week later after all the paper work was faxed in, they informed me I was qualified and gave me all the info over the phone of my new loan pmt, rate and the details. They mentioned if I wanted to keep the rate and the loan in good standing I was to send in a cashiers check by Sept. 25th in the amt. they requested. Being that this was my mtg. company that I have dealt with for 6 years I sent in the amount requested as not to lose the interest rate. At that point they said I should receive fed ex loan papers in a few days and not to make an Oct. pmt. but to make a Nov. pmt before Nov.1st whether I received the documents or not. That was Sept 21st. Since then I have gotten the total run around when I call in to GMAC/Homecoming Fin. Some have said the paper wk is backed up and the loan is approved look for the fed ex in the next couple of days. This fed ex never shows. Now I call today Oct. 27th and they indicate they had to re-due the loan because they made a mistake and now my new pmt will be more than what I paid before I started any modification with them. I asked to speak to a supervisor on many occasions and would be placed on hold for a few minutes only to be hung up on. At this point, my last call today was to find out my delinquent amount to GMAC so I could cancel my loan modification and pay the balance to loan pmt center. Funny thing is I called and spoke to one individual, they gave me one amount and address to send it to and then I called a second time just to be good and parranoid only to get a different pmt amount and a different address to send my pmt. They also told me to call in tomorrow to see if they cancelled the loan mod. yet before sending the pmt. Please Any Suggestions?