GEMB is a joke!!! Loan purchased from E Trade. Four 1/2 years paying on loan, never missed a payment, occasionally late but always send additional fee with. These jerks call day and night, days before the late cut off on the statement. I wouldn't put ANYTHING past these crooks (holding checks until after the due date period, etc.) I'm contacting the Minnesota Attorney General about this shady buisness read full review »