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Gmac / Paratus Mortgage Fees and Charges,


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Hi everone,

 

Your help in this matter would be greatly appreciated so, thankyou in advance. Here goes....

 

I have had a mortgage with Gmac since Dec 2005, and since last year it has being operated by Paratus.

 

I re-mortgaged with them from the Halifax because my options were limited.

 

I have incurred heaps of £50 arrears charges, One Councellor visit, another one due shortly hence me posting this thread, and god knows what other charges, and now my balance on an interest only is £ 4000 more than when I took it out. My arrears are £ 714 and my credit file says 2 payments late.

 

I have read somewhere on these threads that you can claim these charges back. Are there any other charges / fees eligible to be reclaimed when I re-mortgaged from Halifax? If so, what might they be and who do I approach for them?

 

I was told by Halifax I had a shortfall on my mortgage just prior to me paying them off. Also had a big loan with ppi which was supposed to run with the life of the mortgage, but paid that off early too. Any ideas as to finding out if they charged me unfairly?

 

I have sent a SAR to Halifax and they have cashed the cheque. Still waiting on that although its only been just shy of two weeks.

 

Do I send one to Gmac and / or Paratus while still being in arrears? Or do I clear the arrears and then SAR them??

 

I don't want to be in the position where Gmac/Paratus pulls the plug and repossess. Can they do that?

 

Your advice is really appreciated.

 

Vazunna

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Mortgage charges in excess of administrative expenses are unlawful. Also, the cpost of counsellor visits in excess of actual cost are unlawful.

Furthermore, you are under no obligation to agree to counselor visits. If you do then they must be made by appointment.

 

Follow the links to read about mortgage arrears charges and MCOBS

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Hi Bankfodder,

 

As I am new to this great site, have I posted this thread in the correct forum? I would like the maximum feedback.

 

Would it be better for a Moderator like yourself to move it to an appropriate one?

 

Thanks again,

 

Vazunna

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Thread moved to correct forum

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

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Call me daft, but where did you move it?

 

Sorry

 

Vazunna

 

You've just posted on it

 

Mortgages and Secured Loans Forum

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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