For the last several months GEMB have given me a call to let me know that my payment was late. The only problem is I paid it 10 days earlier. GEMB has a very bad habit of taking as much as 18 days from the day it's been mailed to post a payment. Then when I call to complain the only help that I get is that I need to make the payment sooner and they process the payments the day they get them. They also suggested that I call and they will take the payment over the phone for a $10.00 fee starting in May. Yeah more money pissed away! Does anyone have a phone number or a contact that will actually do something or is this just how they do business. I am stuck with the boat loan because if I refinance it's used and it will be at a higher rate.