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7, GMAC sent me loan purchase phentermine papers to return by Sept. 14. According to the FedEx shipping label printed by GMAC, that action was performed on Sept. 7. I received the package Sept. 10. The same day, I notarized and signed the paperwork. I sent the papers back on Sept. 12, along with my payment of $709.01. As of Oct. 5, the check still had not been cashed. However, I have proof GMAC received these items at 9:09 a.m. Sept. 14. I checked with my bank on Sept. 24 to see whether my payment had cleared, but was told it had not been presented for payment. I called GMAC several times and was told it never received the package. When I said the package was signed for in a Waterloo, Iowa, office, I was advised nothing could be done. On Sept. 26, I faxed a letter to GMAC Mortgage inquiring about why my payment remained outstanding. Two days later, I received a letter from GMAC dated Sept. 7 stating that my loan purchase phentermine had been denied because I hadn’t returned the paperwork. I faxed another letter Sept. 29. On Oct. 2, I received a letter from GMAC’s attorneys telling me GMAC had begun the process of foreclosure on my property. This appears to be another frivolous and erroneous attempt by GMAC to pad, or build up, additional expenses on my mortgage. In 2002, I was involved in a bankruptcy that involved GMAC Mortgage and my home mortgage on the current property. GMAC received all of their payments and the bankruptcy was discharged. However, during the course of the bankruptcy, GMAC continued to add to my mortgage thousands of dollars of their reported attorney fees for “unreceived” payments. I would appreciate your assistance in getting these excessive charges removed from my account. — J.S., Kansas City Dear J.S.: You sent us what you said was proof of the payment being applied late and that your loan purchase phentermine papers had been sent on the date it was required. We forwarded all your documentation to GMAC Mortgage in Louisville, Ky., and to the address you had forwarded your paperwork to in Waterloo, Iowa. Brett J. Weinberg, public relations manager for GMAC Mortgage in Fort Washington, Pa., told us that the company had looked into the situation and determined that you did indeed return the documents it requested. It appears the documents were not internally routed once they reached the appropriate facility. “We apologize for this error as well as the resulting problems it caused. The loan purchase phentermine that was previously worked out will be honored and the company will contact you with an apology,” he said. He also said that because of federal privacy laws, the company could not discuss your other concerns about your account. At Your Service solves problems when your best efforts fail. Send your request for help to At Your Service, The Kansas City Star, 1729 Grand Blvd., Kansas City, MO 64108, or send e mail to . Phone c ... purchase phentermine