A little help guys please SUSPENDED

[shammy36]

Hi All,

Been a cagger for a good while now and have been helped with my own problems by the good peeps on here , and in turn i hope i have helped a few with theirs.

 

Anyway, this is not my problem but that of a good family friend whom i had noticed had seemed to be carrying the weight of the world on their shoulders. After a lot of persuasion i finally got it out of her.

 

Her mortgage is with gmac and she has got herself in to arrears to the tune of £6,393.00. she managed to negotiate with them to pay a lump sum of £2000 off the arrears and then pay them £150 per month on top of her contractual payment, if she did they would stop the court hearing and no solicitor would attend.

 

You an guess whats coming next...... she didnt attend but the solicitor did and charged her for it. real sweetharts aint they !!

 

I advised her that she should firstly write to these cowboys and complain about the attendance of their solicitor , and secondly remind them of their obligations under new government guidlines, as i know she is going to struggle to pay the extra £150 a month and would be better off requesting a payment holiday and capitalisation of the arrears.

 

She did say that she felt intimidated by gmac over the phone ,and felt bullied into finding the £2000 and agreeing to the £150 a month.

 

Any thoughts on this guys

 

Thanx Sham:)

[bennyowen]

shammy36,

The most important thing here is that she must be able to prove her agreement with GMAC to pay £150 as additional to her contractual amount. I assume the negotiated payment was documented. I would not encourage phone calls to GMAC.

 

From now on, if she has not done so already, all communications should be in writing and sent RECORDED delivery. She should refuse to discuss matters on telephone and request written responses.

 

I guess the idea that their solicitor was not attending court was a verbal telephone conversation which is undocumented. She may not know or remember who she spoke with at the time.

 

I will suggest she renegotiate with GMAC making sure that all communication is through letter. She must not offer to pay what she cannot afford. She should send all her letters using RECORDED delivery and keep a copy for her personal file.

[shammy36]

Thanx Benny,

 

Yeah, they phoned her and said that after reviewing her account her payments had been spot on for the last five years up until her current problems , so as a gesture of goodwill they were prepaired to offer her that deal

 

Such kind hearted people:roll:

 

Sham

[Ell-enn]

Hi, did GMAC's solicitor get a suspended possession order at court?

 

Kind Regards

 

Ell-enn

[shammy36]

Hi Ell-enn,

 

Nice to hear from you again.

 

No it was ajourned with leave to restore.

 

So they did keep to their part of the bargain on that but not on the solicitor attending and adding more costs.

 

Iam sure if she wrote a good well drafted letter to them she could force them to capitolise the arrears , what do you think ?

 

Kind regards Sham

[Ell-enn]

It's worth a try - if you need any help with the letter I'm happy to draft one, just let me know.

 

Ell

[shammy36]

Hi Ell-enn

 

That would be great , thank you very much.

 

She now has her arrears down to £4393.00 after that lump sum payment and has twenty years left on her mortgage. anything else you need to know just let me know , but i think the jist of it is in the first post.

 

Thanks again Ell-enn

 

Sham

[shammy36]

Hi Ell-enn

 

Did you have chance to draft that letter,i know your very busy.

 

Kind regards

 

Sham

[Ell-enn]

Hi Shammy - I'm on it ! will post shortly:)

[Ell-enn]

OK, here you go.... budget sheet also affixed which needs to go with the letter.

 

It needs to be sent by recorded delivery and keep a copy of both letter and budget sheet. Check on the royalmail website in a few days to print off the signature receipt. Keep all together safe in case we need them to prove they have asked for help.

 

Ell

Budget Sheet.xls

Shammy 17 Nov letter.doc

[shammy36]

Hi Ell-enn,

 

Thank you so much.

 

I will get this sorted asap and keep you updated.

 

Kind regards

 

Sham

[shammy36]

Hi All,

Just a quick update.

 

Ok... The letter that Ell-enn kindly drafted was totally ignored (suprise surprise).

 

Yesterday she had a letter from these toerags saying that she had broken the agreement and unless she brought her account up to date within the next seven days court action would ensue.

 

Now iam thinking the best way to deal with this shower would be to fire off another letter saying how disapointed she is that there was no reply to her request for help , this would add weight to her case if it went before a judge and showed that they were refusing to help.

 

Any thoughts guys ?

 

Regards Sham

[Ell-enn]

Hi Shammy, she definitely needs to send another letter, it will show the courts that she has tried to negotiate with them. If you need any help with the letter, just shout.

[shammy36]

Hi Ell-enn,

 

That would be a great help thanks.

 

These sub prime lenders annoy me so much that i think if i drafted a letter to them , they would think it had come from Gorden Ramsey !!!!

 

Although , from a few posts on here ive read in the last few weeks there seems to be a definate turning of the tide.

 

hope you are well

 

regards Sham

[Ell-enn]

I'm fine thanks Sammy, hope you are too:)

 

I'll do the letter later today - got visitors coming shortly.

[shammy36]

Thanks Ell-enn:)

[Ell-enn]

Hi Shammy, does your friend have a copy of the letter she sent in November and the proof of delivery?

[shammy36]

Hi Ell-enn,

 

Yes she has a copy of the letter and proof of delivery , with a print out of the signiture from the royal mail website, she sent the one you posted in post 10

 

Regards Sham

[Bona]

Shammy

can PM you the name of a certain Lady at GMAC who works directly under MD suggest you friend contacts her by email with details of suposedly being bullied and I think attitudes might change also enclose copys of letters sent and sending if you want it PM me

[Ell-enn]

Brilliant, that's all I need to know - will get the letter to you shortly.

 

Ell

[Ell-enn]

Here you go - make sure she only sends photocopies of the proof of delivery - you may need the originals if it goes to court. Send the letter to the address on the letter she has just received and probably best to send special delivery if she can afford it.

 

Ell

Shammy 15 December letter.doc

[shammy36]

Thanks Ell-enn,

 

Will get these off today on my way to work for her.

 

I will keep you updated as soon as i hear anything

 

Kind Regards

 

Sham

[shammy36]

Hi All,

 

Quick update.

 

She had a reply to the first letter that was sent out , in the post yesterday , it says.

 

"Before we can refer your request for consideration to our head office we require some information.

 

Can you please provide a payment proposel stating the amount that you feel you are able to pay for the foreseeable future.We also require you to fill in the enclosed budget form (thats already been sent:evil: )

 

As your mortgage is on an interest only basis a term extension will not affect the monthly payments. ( no mention of a payment holiday or capitalisation of arrears as requested )

 

Once we have recieved all documentation ,we will refer your request to head office.

 

What a load of tosh !!!!!

 

What makes me laugh is the letter she had yesterday was dated 26 nov , (sent first class no postmark,i dont think so !) The letter threatining court action was dated 2nd dec:-o

 

Any thoughts guys

 

Regards sham

[Bona]

Try emailing this ladt with your complaint and proposals:D

[Bona]

whoops what happened there

 

can you delete it when copied Shammy