Thank you so much for your replies. I am on an interst only and I will begin the new term in october.

Hi GMAC say that it will be 5.2 plus LIBOR at the moment I am at 7.99% which is mad so any higher than that then I will be worried. I wonder if I could get another fixed with GMAC?

Thanks for replies. Will this be variable?

Hi all, I have a mortgage with GMAC. I am in a fixed but this finishes in October and goes to LIBBOR. I am in one months arrears and have an arrangement which is fine. But I can not stay with GMAC as mortgage will go up by £300. Any ideas anyone? I have CCJ's

Thanks everyone for your responses. I shall now continue with my claim.

hello i am in the process of taking the bailiffs to court for a payment made in december 07. anyway i am completeing the N1 but have a feeling that drakes have changed their name can anyone clarify? Thanx

Hello All I am recovering charges for the third and final time (I hope) anyway I followed aother threads/advice and sent a prelim, hardship letter and expenditure. I received an obviously standadrd letter within four days saying 'Sorry ... will investigate within four weeks etc' I am in hardship so do I wait the 14 days as prelim says before contacting them again?

Thanks this is a great help! Did you win your claim?

Thanks Tomtubby I have done all of what you have suggested already. I know that I have been overcharged I have worked it out but I have probably underestimated anyway this has been going on for ages now so I just need advice on what to write on the N1.

Can you claim whilst in arrears with them? Sorry Pathway no answers but very much interested as a GMAC customer

I am about to claim unfair charges from a clamp with Drakes. Can anyone guide me as to what to write on the N1. Do I have to quote the law? Thanks

Well I have missed a payment, although I will make up for ot next month.

If proceedings are reinstated how long would it take for a court date?

Can someone please explain what an ajournment order is? One has been granted in relation to Gmac originally applying for a repossession order. they agreed that if I paid X amount the hearing would be cancelled but now I am told that they have an adjournment order.

I feel for you, trust me i and many others on this site have been through or is going through similar difficulties. You must do what is right for you and your family but with the knowledge that 'they' will catch up with you. I believe that if you were comfortable with your decision you would not have posted on this site. There is lots of support and advice here. Whatever path you choose I wish you well but don't make a knee jerk decision just think about the options available. Best wishes