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Sues35 v GMAC


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HI all

 

after redeeming my mortgage with GMAC i was stunned to have over 2k charge added in. I still paid it went merrily on my deluded way to swift!!! Already claiming charges back from them and have know had the nerve to contact GMAC re charges. Got them in post with yes you guessed it....no explanation of how they arrived at the 2k figure. Plus there were over 300.00 late fees so have decided to go get them too....hopefully winning back all of the charges. By the way i apparently did not pay a redemption figure with GMAC ene tho the mortgage was redeemed early i just paid redemption interest which is the 2k figure. Well as someone once said if it walks like a horse, eats hay like a horse and looks like a horse then it is a horse no matter how you dress it that day!!

All advice :p is given purely from personal experiences :mad: . If you are in doubt you should always seek legal / financial advice;) .

If i have helped in any way please let me know via personal message, IM in aol or clicking on my scales :D go on you know you want to really!!

 

 

Halifax Claim

Data Protection Act: 20/06/06,

LBA: 11/07/06,

N1: 7/8/06,

Paid in full 25/8/06

 

Swift Claim

Data Protection Act: 5/8/06,

Request for Payment 19/8/06,

LBA 4/9/06

Sod off response with paltry offer (accepted as part payment) 22/09/06

N1 filed 25/09/06, deemed served 11/10/06

No part payment recieved to date

 

 

GMAC Claim

Data Protection Act 21/08/06

Request for Payment 11/09/06

LBA 25/09/06

N1 Filed 11/10/06, deemed served 19/10/06

 

Welcome

Data Protection Act 11/09/06

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  • 3 weeks later...

Lba sent 25th September and still nothing from them, oh well 10 more days and its next stage here we come lol

All advice :p is given purely from personal experiences :mad: . If you are in doubt you should always seek legal / financial advice;) .

If i have helped in any way please let me know via personal message, IM in aol or clicking on my scales :D go on you know you want to really!!

 

 

Halifax Claim

Data Protection Act: 20/06/06,

LBA: 11/07/06,

N1: 7/8/06,

Paid in full 25/8/06

 

Swift Claim

Data Protection Act: 5/8/06,

Request for Payment 19/8/06,

LBA 4/9/06

Sod off response with paltry offer (accepted as part payment) 22/09/06

N1 filed 25/09/06, deemed served 11/10/06

No part payment recieved to date

 

 

GMAC Claim

Data Protection Act 21/08/06

Request for Payment 11/09/06

LBA 25/09/06

N1 Filed 11/10/06, deemed served 19/10/06

 

Welcome

Data Protection Act 11/09/06

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Hi Sues

 

I had mortgage with GMAC about 4 years ago. I think I'll check my paperwork. I know they have taken from me but will have to take a closer look. Will you go down the same route as bank charges if they ignore your LBA, ie small claims court? Also is it the same for loans secured on your property. I had one with Southern Pacific and it cost a fortune in ERC. Anyway best of luck with your claim.

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Yeah small claims it will be. Im not sure about loans secured on property but would imagine it to be. Go for it with SPML as they seem to have a history of charges from whats said on here!

 

Good luck

All advice :p is given purely from personal experiences :mad: . If you are in doubt you should always seek legal / financial advice;) .

If i have helped in any way please let me know via personal message, IM in aol or clicking on my scales :D go on you know you want to really!!

 

 

Halifax Claim

Data Protection Act: 20/06/06,

LBA: 11/07/06,

N1: 7/8/06,

Paid in full 25/8/06

 

Swift Claim

Data Protection Act: 5/8/06,

Request for Payment 19/8/06,

LBA 4/9/06

Sod off response with paltry offer (accepted as part payment) 22/09/06

N1 filed 25/09/06, deemed served 11/10/06

No part payment recieved to date

 

 

GMAC Claim

Data Protection Act 21/08/06

Request for Payment 11/09/06

LBA 25/09/06

N1 Filed 11/10/06, deemed served 19/10/06

 

Welcome

Data Protection Act 11/09/06

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If the secured loan is under 25K it is regulated by the CCA 1974 which sets out a formular for calculating any redemption figure. You can check with Trading standards as to whether it is lawful or not. They have software where they just type in the figures and it comes up with what the figure should be.

 

Hope this helps

 

Zoot

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Letter arrived from GMAC today. Now they have decided the compliance manager cannot deal with my complaint??? and as i have sent further correspondance (LBA cos time was up) before they have had time to send me a sod off letter, that have now sent my case to be dealt with the legal team. Wonder what the thinking is behind this? Wonder when they are going to answer LBA? Are they going to let me apply to court and add interest? Anyone have any thoughts on this i would be grateful to hear them.

All advice :p is given purely from personal experiences :mad: . If you are in doubt you should always seek legal / financial advice;) .

If i have helped in any way please let me know via personal message, IM in aol or clicking on my scales :D go on you know you want to really!!

 

 

Halifax Claim

Data Protection Act: 20/06/06,

LBA: 11/07/06,

N1: 7/8/06,

Paid in full 25/8/06

 

Swift Claim

Data Protection Act: 5/8/06,

Request for Payment 19/8/06,

LBA 4/9/06

Sod off response with paltry offer (accepted as part payment) 22/09/06

N1 filed 25/09/06, deemed served 11/10/06

No part payment recieved to date

 

 

GMAC Claim

Data Protection Act 21/08/06

Request for Payment 11/09/06

LBA 25/09/06

N1 Filed 11/10/06, deemed served 19/10/06

 

Welcome

Data Protection Act 11/09/06

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  • 2 months later...

Quick update on Gmac

 

Had sod off letter and we went off to file in court. They have decided to defend the case and we have had AQ. This was completed with help from the forum (thnk you!) and have recieved theirs (day late but hey ho!) I want small claims they want multi track!

 

We now have allocation hearing date st for March...and just in case we have ppl from GMAC on here watching(as if eh)..bring it on i have a great CPR book which states all the 5 sections the judge must take into consideration before deciding on the track. I look forward to the allocation hearing date!

All advice :p is given purely from personal experiences :mad: . If you are in doubt you should always seek legal / financial advice;) .

If i have helped in any way please let me know via personal message, IM in aol or clicking on my scales :D go on you know you want to really!!

 

 

Halifax Claim

Data Protection Act: 20/06/06,

LBA: 11/07/06,

N1: 7/8/06,

Paid in full 25/8/06

 

Swift Claim

Data Protection Act: 5/8/06,

Request for Payment 19/8/06,

LBA 4/9/06

Sod off response with paltry offer (accepted as part payment) 22/09/06

N1 filed 25/09/06, deemed served 11/10/06

No part payment recieved to date

 

 

GMAC Claim

Data Protection Act 21/08/06

Request for Payment 11/09/06

LBA 25/09/06

N1 Filed 11/10/06, deemed served 19/10/06

 

Welcome

Data Protection Act 11/09/06

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  • 2 months later...

case is closed

All advice :p is given purely from personal experiences :mad: . If you are in doubt you should always seek legal / financial advice;) .

If i have helped in any way please let me know via personal message, IM in aol or clicking on my scales :D go on you know you want to really!!

 

 

Halifax Claim

Data Protection Act: 20/06/06,

LBA: 11/07/06,

N1: 7/8/06,

Paid in full 25/8/06

 

Swift Claim

Data Protection Act: 5/8/06,

Request for Payment 19/8/06,

LBA 4/9/06

Sod off response with paltry offer (accepted as part payment) 22/09/06

N1 filed 25/09/06, deemed served 11/10/06

No part payment recieved to date

 

 

GMAC Claim

Data Protection Act 21/08/06

Request for Payment 11/09/06

LBA 25/09/06

N1 Filed 11/10/06, deemed served 19/10/06

 

Welcome

Data Protection Act 11/09/06

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Share on other sites

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