Hi I wondered if you can help me. i am just about to redeem my mortgage with GMAC, I have 3 months to go before my ERC would be dropped. they are going to charge me £ 15500, which is outragious, i sent a letter asking if thet could reduce the cost before i found this on here. it was just a nice letter asking if they could help. but they wrote back saying we have enough equity so, tough basically. Can you advise me Thanks ray