Thread: Darling v GMAC

DPA - SAR sent today.

Address used:

GMAC - RFC Ltd
Communications House
Shuttleworth Mead Business Park
Blackburn Road
Padiham
Burnley
Lancs
BB12 7SN

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Thanks for that Zootscoot, I will probably need it!

Just completed letter as supplied by Zootscoot No 14 http://www.consumeractiongroup.co.uk...mortgages.html

I have adjusted it slightly because i don't understand compound interest stuff. Anyway wish me luck guys.
Oh and thanks to Zootscoot for the letter.

Ok I sent off the prelim letter and received this back.

Dear ...... etc etc. The charges you refer to are in line with our Tariff of Charges. We provided you with a copy of our applicable tariff of charges with the mortgage offer and annual statements. We enclose another copy.
We refer you to condition 10.3(b)of these mortgage conditions, which makes it clear that the tariff is part of your mortgage contract. (10.3) The companys right to recover costs and expenses entitles it: (b)to recover its internal costs by charging administration fees in accordance with its published tariff.
The charges have been properly debited to your account in accordance with the conditions of the mortgage and it is not appropriate for us to refund them to you.
You have indicated that you may make a court claim against us if we do not refund these charges and so we have referred this matter to our legal team. Your letters should be marked for their attention should you choose to proceed. The address is GMAC-RFC Ltd, Eastern Gate, Brants Bridge, Bracknell, Berks RG12 9BZ. We will not treat your letter as a formal complaint. However if you choose not to make a court claim, our complaints procedure is still available to you and we enclose details if you wish to pursue this.

Well thats it WHAT DO I DO NOW please anyone

Thanks for the advice Zoot, is it ok if I call on you again if I need further help hun ?

Right i've had a 'small break' from all of this (work commitments etc). Have now today sent a lba. So lets wait and see what happens next

This looks like a standard response letter, they haven't included any detail as to how their loss was estimated or given you the money, so they haven't responded to you're initial request satisfactorily. I would wait for deadline in the lba to expire then file your claim. I doubt there is any benefit in responding to them.

Hi Guys

We have a costs assesment being heard in the high court re GMAC we asked the Judge to ammend our application for the solicitors cost to be assessed to the solicitors costs plus GMACs Cost he wanted to but the Barrister from hell objected he said that if they didnt agree we could make a new application If we can get GMAC mortgage costs assessed in the High Court in London and we can get money back others can use it . but they are not playing ball They would have to Justify all their mortgage costs. Evry time we go to court they add on 1000"s in costs so we are going to go down the small claim alley first with cost on our account and then with the redemtion costs both under 5000k we have nothing to loose not like some of you guys so this weekend I will be writing to GMAC saying that if they do not agree to amend the order to have their costs assessed we will go to the small claims court it will be interesting to see what happens . We deal with a Mr Pitt at eversheds in Cardiff he came to a hearing at our local court and charged us over 1000 in travelling time and travelling costs how does that grab you we are objecting of course
any information will be gratefully recieved

Bona