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    • Thanks for letting us know about this. I'm afraid that this website is mainly bad news about companies so it's very refreshing and very decent for someone to come along and to give praise where praise is due. How about a link to their website?
    • Having a little additional think about this, I think that your interests are best protected in the following way: You inform the seller that you are obtaining the quotes which I have referred to above. Having received the quotes, you then inform them that you are proposing to have the work carried out at XXX garage and that you will expect that the seller will reimburse you for the costs and associated expenses. You can tell them though that you understand that they may want to control the work being done to the car and so you are willing to allow them to do it but as the fault has manifested itself at this point and that it is clear that the problem is their responsibility, if they wish to carry the work out themselves then they will have to organise the collection vehicle and the delivery of it to you once the work is completed. Of course this will be very expensive for them and they will either fail to respond or they will refuse. Whatever their reaction, you would then go on to say that as they have failed to respond/declined the invitation to carry out the repairs themselves, that you are now going to your preferred garage – one of the two quotations which you have supplied – and you will have the vehicle repaired there. You are giving them an opportunity to comment. I think that if you use this approach, then you will be able to demonstrate very clearly that they had a choice and therefore they will be unable to disassociate themselves from the repairs which are eventually carried out at your chosen repairer. Even though this exchange of correspondence may mean that it will take a week or so longer to have your repairs carried out, I think you should do this in order to protect yourself in the best way possible
    • Please name the dealer   I would start off by sending them a letter of rejection seeing as you are within the 30 days. This doesn't mean that you have to reject it but it reserves your position. Secondly, on the basis of what you say, I don't think that you need necessary to find the cheapest place. You should be looking at the best quality that you can find. I think the best thing to do would be to get to competing quotations for the work you propose to have carried out – and not necessarily at the cheapest place, but a couple of proper reputable garages – authorised for that kind of vehicle. Inform the dealer as to what you are doing and providing with copies of the estimates for the work before you put it in hand. Give them five days to object or to make other comments. Make it clear to them that once the work is carried out that you will be looking to them to reimburse you. Of course you are opening a can of worms here because if you get some further problems – more serious – you may find that the dealer is starting to say that because you have carried out your own work so your own repairer on the car, they cannot now say that any defects were inherent in the purchase – and that they may have been introduced by 1/3 party repairer. I'm afraid that you have certainly fallen into a trap of buying a car a long distance away from where you live. We find that people often tend to do that because they think the car they have found is the only one in the world for them. They forget to factor in the difficulties that they will be if there are defects – particularly if the car stopped altogether – the cost of transportation to the dealer, the cost of having to travel up and down the country to collect the car – and of course these difficulties could emerge several times through the initial years of your ownership of the vehicle if you are relying on your statutory rights and expect the dealer to meet those obligations. Furthermore, if you have to bring a court action against them you are now dealing with multijurisdictional claims – suing out of Scotland against the defendant in England and that adds to the complications. It's too late for you to do anything about this – unless you actually decide to reject the vehicle – but at the very least, other people who come across this thread may get some benefit from these comments. I think it's important for you to get the best quality repair you can and to make sure that the dealer is aware of what you are doing so that if later on they try to deny responsibility for further defects, that you will be able to show that they were fully appraised of what you are doing and they will have less room to manoeuvre themselves out of their statutory obligations. I'm afraid that purchasing a car from one dealer and then having it repaired by another service provider, brings into the same kinds of difficulties that somebody who purchases a central heating boiler from one supplier and then has it installed by a different supplier find themselves in. When things go wrong, the seller blames the installer. The installer blames the seller – and you, the customer, are piggy in the middle. Not a good place to be. I notice that you are doing things on the telephone. Big Fail! Read our customer services guide. In your situation you should be extremely careful to make sure that you have got a record of everything and a full paper trail
    • What information do DVLA need for a provisional licence ?   Think the ID issue needs to be looked at a bit more. Surely you have birth certificate, school information, Doctors records. School and Doctors should provide a letter to help with ID.                
    • Amex as with any creditor must help you the FOS should go with you and make them remove all interest charged from the very 1st time of asking for help. the FCA regulations actually almost dictate it, they most certainly clearly state that if the are FCA registered they must help.   it's very telling they have no marked your credit file....almost as if they know they are wrong. it's also telling that an irresponsible lending complaint might well be in order hear too, they can just keep upping the credit limit without checking you can pay. and ofcourse covid plays its part here and they've already admitted as they allowed payments holidays until october in line with the rest of the industry and they should be continuing that. you problem is you keep using the phone, no paperwork no record of things discussed. i'd get an SAR off to them. and get the comms/account log and all the statements from day one and go nail them.
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Paratus amc, what are they like?


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Hi folks, I have been reading around about Paratus as they are my mortgage err, people.

 

I have a 96k inerest only mortgage i took with GMAC but its cheaper than renting at the minute so alls good :oops:!

 

I have read that they arent the best as they seem to be hell bend on liquidating there assets

since they no longer issue new loans and all that plus there is a tiny amount of arears, a few pennies less than a months payment!!

 

just recently made redundant and wondering if i dare tell them!?

 

The clocks ticking as the last of my redundancy will go on this coming months payment as I cant get MIR for maybe 3 months give or take a week!

 

Anybody have any experiances like this with Paratus?

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What plans had you made for redeeming the mortgage ?

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Yes :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Paratus are an Asset Management Company (hence the AMC) and are, as you state, after money.

 

They are chasing me for an old mortgage shortfall and have no chance of getting anything as I am on basic unemployment benefit. They do not seem to care about the CML code or the OFT Guidelines on Debt Collection as neither 'count' in their world as it is a mortgage shortfall of about £4,500, made up of all sorts of dubious estate agent and other fees. I did point out the whole point of being repossessed was to stop my indebtedness to the company but they don't seem to care.

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Yes :)

 

 

Sorry :-)

 

 

No plans to redeem, not yet. Fingers crossed the housing market will improve in the coming 20 years.

Edited by will lliw
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Paratus are an Asset Management Company (hence the AMC) and are, as you state, after money.

 

They are chasing me for an old mortgage shortfall and have no chance of getting anything as I am on basic unemployment benefit. They do not seem to care about the CML code or the OFT Guidelines on Debt Collection as neither 'count' in their world as it is a mortgage shortfall of about £4,500, made up of all sorts of dubious estate agent and other fees. I did point out the whole point of being repossessed was to stop my indebtedness to the company but they don't seem to care.

 

 

Im sorry to hear about your situation, i hope you dont worry to much about it. I understand that Paratus AMC also ignore the pre action protocal aswell, which is why im trying to find other people like yourself who have dealt with them and see what they are like.

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If they ignore the pre-action protocols then they could be in trouble. They seem to be using Optima Legal who keep not answering some questions and forgetting to put information in they promise. The whole organisation are a complete shambles. I don't know if they are going to try court but I simply will cross reference their defence with the original eviction information and let the court know this all happened in 2005 and not 2006 as they claim, and that their shortfall is made up of questionable charges.

 

I had a mortgage with GMAC, second charge with London & Scottish who were the company who repossessed me, NOT GMAC.... yet GMAC have marked my credit file with the wrong date, insist they repossessed me nearly a year later than the actual event. This is fairly typical of their behaviour.

 

Have you tried to get money back from GMAC regarding fees etc charged to your mortgage account? They were fined by the FSA for this a while ago. They haven't provided me with any kind of breakdown of their figure which I refused to accept.

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Thanks silly for a very interesting and informative post. Havent looked into the fee refund yet but will keep that on the back burner when I get my other business done!

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Hi there,

 

Unfortunately Paratus are a nightmare to deal with. Pls check out our blog for a bit of backround,

type gmacparatuscrooks into google and you should find it.

 

Hope everything goes well.

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Just had another chasing letter from this lot yesterday, suitably worded reply sent, including pointing out that I can also provide a qualified British Sign Language interpreter to attend a meeting with them as they clearly do not understand written English!.

 

I also pointed out that their little list of 'intended enforcement action should a judgement be obtained' is pointless as they are all unenforceable due to the reasons shown.

 

Finished by mentioning complaint going to OFT, Trading Standards etc (and now I think the Solicitors Regulatory Authority) and my local MP are in order.

 

My credit rating is shot, I am unemployed and there is little prospect of employment for me as employers now seem to use credit ratings as means of weeding out 'unsuitable' applicants. I am now on that point technically unemployable until retirement age! All the more reason for this lot to lay off and write the alleged due amount off.

 

I believe in writing letters to creditors in the same format they send me, answering each paragraph with a rebuttal where necessary and reinforcing my stance by, initially, non legal language. Should they persist then I use the OFT Guidelines on Debt Collecting and list each one they have breached, and send the correspondence to the OFT as part of a complaint.

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Just had another chasing letter from this lot yesterday, suitably worded reply sent, including pointing out that I can also provide a qualified British Sign Language interpreter to attend a meeting with them as they clearly do not understand written English!.

 

I also pointed out that their little list of 'intended enforcement action should a judgement be obtained' is pointless as they are all unenforceable due to the reasons shown.

 

Finished by mentioning complaint going to OFT, Trading Standards etc (and now I think the Solicitors Regulatory Authority) and my local MP are in order.

 

My credit rating is shot, I am unemployed and there is little prospect of employment for me as employers now seem to use credit ratings as means of weeding out 'unsuitable' applicants. I am now on that point technically unemployable until retirement age! All the more reason for this lot to lay off and write the alleged due amount off.

 

I believe in writing letters to creditors in the same format they send me, answering each paragraph with a rebuttal where necessary and reinforcing my stance by, initially, non legal language. Should they persist then I use the OFT Guidelines on Debt Collecting and list each one they have breached, and send the correspondence to the OFT as part of a complaint.

 

You mentioned the Solicitors Regulation Authority in your post- is it TLT they are using? If so there are LOADS of examples of this firm doing things they really shouldn't.

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No, in my case it is the overly optimistic Optima (ill)Legal they are using.... haven't had TLT chase yet. Before Optima it was HL (ill)Legal, Kings Legal (only one letter from them then silence) and the back to HL (part of same group as Kings) then Paratus themselves and Optima/Paratus both chasing.

 

I doubt whether the SRA will do anything as they seem as toothless as a lot of the 'regulatory' organisations when finance is concerned.

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Yes agree about the SRA being toothless. From our experience of what Paratus have been doing to people, I really think they shouldn't be allowed to trade anymore. We're recommending that people write to the FSA to report them. They cannot investigate individual complaints but if enough people complain then they will investigate. Would you like the details?

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Yes please, if you can post up the FSA details and any individual contact you might have there.

 

I emailed my letter across today and would like to see the blokes face when he reads it!

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Sure, details below:

Georgina Philippou

FSA Enforcement and Financial Crime Division

The Financial Services Authority

25 The North Colonnade

Canary Wharf

E14 5HS

 

As I said before they will respond to say that they can't look into individual complaints, but there are loads of people who have complained already so hopefully they will

start an investigation soon!

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After my letter emailed on Sunday to them they (Paratus via Optima Legal) have sent a reply and are putting my claim on hold for 3 months to let the FOS investigate - which, as we know can take up to 2 years! Methinks they know they are onto a looser.

 

I am not likely to find employment in the next 3 months because of a very bad credit rating (which should have no bearing on the employment situation as I mostly do admin work - but such is the state of the country that most employers are now using credit checks as a way of weeding out 'undesirables'.

 

I will write to this shabby crew with the FOS reference number and tell them that they have offered me a refund WITHOUT a statement to explain how THEY came up with the figure, despite me asking for this on three or four occasions, they also have NEVER sent me a statement since I was repossessed, and won't send one now.

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  • 3 months later...

Any chance of you copying it onto here so that we can get a giggle from the letter/email you sent? :smile:

 

I've just had a reply from GMAC via Paratus today, where they are saying they forwarded a cheque in 2010 for redress of just under £400 to the address of the house that I sold - should know I haven't lived there for 5 years now, and apparently the cheque was cashed!!! They're saying that they only have to refund for charges for non payment by DD, which I believe is garbage, as the FSA stated that charges not reflective of actual admin costs were unfair/illegal, which includes the £50 arrears charges every month. Going to send them a letter back advising about the wrongly addressed cheque (I certainly didn't get it!) and telling them not to bother replying, just wait for the summons as I'd always intended this to go to court as it's the only way to get a forced breakdown from them. I work regularly in a court setting, so I'm not intimidated by it at all. Bit of a pain having to do it, but it'll be worth it, I think, at the end of the day.

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  • 2 weeks later...
Hi folks, I have been reading around about Paratus as they are my mortgage err, people.

 

I have a 96k inerest only mortgage i took with GMAC but its cheaper than renting at the minute so alls good :oops:!

 

I have read that they arent the best as they seem to be hell bend on liquidating there assets

since they no longer issue new loans and all that plus there is a tiny amount of arears, a few pennies less than a months payment!!

 

just recently made redundant and wondering if i dare tell them!?

 

The clocks ticking as the last of my redundancy will go on this coming months payment as I cant get MIR for maybe 3 months give or take a week!

 

Anybody have any experiances like this with Paratus?

 

Don't get me started on these. I lost my job and sent them numerous MI12 forms to which they said they never received. They always say in their letters if you're having financial difficulty please call us and we will be able to help. Liars!!!! I have 3 kids and at the time my partner was 7 months pregnant with our 4th. They proceeded with the repossession of the property which was 2 months in arrears. Despite asking them if we could pay a little extra to clear the arrears we found out the extra £50 we were paying was just paying the charges every month so technically the arrears were never coming down. They treat you like dirt and from the get go these people are out to get your home one way of the other. Cut a long story short the house got repossessed even though we explained we were doing a quick sale from property buyers. So for 6 weeks me my 3 girls and my heavily pregnant partner had to be temp housed. Now we are happy in our rented home. 2 months ago we received a letter from TLT stating the house had been sold and there was a surplus amount of funds which was owing to us. Can we get this money, No! We both don't own a passport so we a to get out photos verified so our optician kindly verified it for us and we sent the rest of the ID letters to TLT. It should've taken 3 weeks to process and the funds released according to TLT. 5 weeks we waited and nothing

My partner called them today 14/12/12 for them to say oh we sent you a letter out on the 9th dec 2012 explaining your photos cannot be verified by a optimetrist. Who in my eyes is a fully qualified person who I used 12 years ago for my passport. So now we have to try ad get my doctor to verify our photos before we get our money. I just feel between TLT and paratus they're nothing short of criminals. TLT have said that there was a 1 month turn around too on the phone. Nothing like this mentioned in any correspondence. Just a shame they're not as swift and determined to give you money owed as they are when they want to repossess your home. Truthfully if I met anyone who worked for either of these companies face to face, well lets just say ill be doing time for it.

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  • 3 months later...
Hi folks, I have been reading around about Paratus as they are my mortgage err, people.

 

I have a 96k inerest only mortgage i took with GMAC but its cheaper than renting at the minute so alls good :oops:!

 

I have read that they arent the best as they seem to be hell bend on liquidating there assets

since they no longer issue new loans and all that plus there is a tiny amount of arears, a few pennies less than a months payment!!

 

just recently made redundant and wondering if i dare tell them!?

 

The clocks ticking as the last of my redundancy will go on this coming months payment as I cant get MIR for maybe 3 months give or take a week!

 

Anybody have any experiances like this with Paratus?

 

My ex-business partner took out a self declaration type mortgage with GMAC (now Paratus), in our joint names without my knowledge.

GMAC did not bother to verifiy with me the validity of the initial mortgage application. They did not invite me to, or ensure that I was present at, any of the repossesion hearings which took place. (in fact they were unaware of my correct address of 15 years standing at that time), and they have always refused to provide any evidence whatsoever of my liability.

Despite my making it abundantly clear to them, that the mortgage was obtained fraudulantly, they are still chasing me via a debt collection agent for the mortgage shortfall, following said business partner's bancrupcy 4 years ago.

That's what they're like to deal with.

Edited by GROMMIT
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  • 1 year later...
@GPCUK

 

PM me please, I've tried to get hold of you via email on the gmac crooks site but it bounces.

 

ANYONE else who has or is involved with these induhviduals please get in touch with me. I CAN HELP but I need numbers to do it.

 

It is not advised that information is shared via private messaging. Please read CAG site rules :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 4 months later...
That is what they would like you to believe.

 

I'd email them back and restate your problem and see what happens.

 

I'm too new to PM you, which would be better. I got interested because they've just taken over a p2p lender, I challenged them about this bad reputation and I've got an email from a high up saying they are better (including a very low rate of reversals by the Financial Ombudsman they say which sounds good to me)

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I know someone who's had a letter from Paratas telling them that they are now adding an amount each month to their normal mothly payment to pay off the charges levied on their account! how do they get away with that ??

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