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GMAC charges


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Hi, we had a mortgage with GMAC and got into arrears. During the time of being in arrears they charged us £50per month. On top of this, they charged us £15 per month for not having a DD in place. This £15 carried on being charged even after clearing all arrears and even up to the day we remortgaged away from them.


I phoned them a couple of weeks ago and spoke to someone who gave me the list of dates when we were charged over the phone and I sent the first letter asking for refund. Got the usual bog off reply.


My question now is do I do the LBA threatening court action or do I go the FOS route? Which is more likely to work? Which is likely to be quicker? I'll take likely to work over quicker though.


Thanks in advance for any advice offered.



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At the moment they seem to be settling before it goes to court there are several past threads where people have got offers. I havnt followed up my charges yet been deaing with solicitors costs but will be doing so soon

let me know how you get on ( we all get the bog off letter )

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