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Prouty99

GMAC Mortgage reclaims, can i still claim ?

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After getting my other half to go through a bunch of documentation, it turns out that she had a GMAC mortgage which was paid up in around 2008, and prior to this she was hammered with all kinds of charges for some time.

 

 

After some searching around on the net, it seems that GMAC should have sent her a letter regarding the redress scheme in the wake of the FSA 2009 ruling on their unfair practices, but she doesn't recall ever getting any mail from them regarding this issue. I knew about the GMAC thing a long time ago, but myself and partner haven't been together long, and she had no idea until I asked her if she had any dealings with any of the companies that had been fined in the past.

 

 

I gather that GMAC went pear shaped, and are now under another organisation (Paratus I believe), so is there any sense in starting the ball rolling through these people right now in 2015 ?

 

 

I already battered Welcome finance on her behalf, which was a pretty quick and simple affair really, but I expect these Paratus people to be a more difficult process.

 

 

The original redress telephone number has been discontinued ( 0800 030 4662 ), so I guess firstly it may be a matter of just contacting Paratus maybe

 

 

Any thoughts anyone ?


If you cannot take on a problem head on, go around the sides, over the top, or underneath. If you still have problems, then change the rules. If you can't change the rules then manipulate yourself into a position where you make the rules.

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Its worth a try at Paratus, they are pains to deal with, don't reply to letters and send out letters giving you 7 days to reply which were sent 5 days previously by slow post.

 

Keep every letter with the envelope stapled to it you receive from them, this can help prove that they are not very up front at dealing with you.

 

Good luck and be prepared for the long haul on this one.

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Thanks for the reply,

 

 

I guess that the pressure is off as the mortgage has been paid up some time ago. My strategy is a 3 pronged attack really, I want to sort out the exit fee, which I don't think will be a problem as this was part of the FSA criticism of them in 2009, then I want to go for the PPI, and as an outside chance I am also going to try for the over inflated late payment charges etc....

 

 

Do you think that this will involve 3 separate cases, or do you think they may just lump all of these issues into the same case ?

 

 

By the way, after a 20 year stretch as a trade union official, I am used to dirty tricks, subterfuge, and blackmail :)


If you cannot take on a problem head on, go around the sides, over the top, or underneath. If you still have problems, then change the rules. If you can't change the rules then manipulate yourself into a position where you make the rules.

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I think that you will need to submit 2 claims at least, one for the PPI and one for the charges. I am not sure about the exit fee and whether that could be tagged on to the charges claim.


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Ok, I had a reply...

 

At least I know they don't intend to deal with this via email

 

Good Afternoon Mr. Prouty

 

Please forward any correspondence to –

 

ParatusAMC

 

5, Arlington Square,

Downshire Way,

Bracknell,

Berkshire,

RG12 4AY .

 

Kind Regards

 

So it looks like the SAR route, no worries I already have the SAR written, so its just a case of posting it

 

I will keep you informed as to my progress


If you cannot take on a problem head on, go around the sides, over the top, or underneath. If you still have problems, then change the rules. If you can't change the rules then manipulate yourself into a position where you make the rules.

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Well, well, it looks like Paratus have emailed me back about the GMAC issue,

 

 

Good morning

 

Thank you for your email. I will investigate your Redress claim.

 

Can you confirm your current address please.

 

Regards

 

Customer Services

Tel: 01344 854084

 

 

Lets see what happens (If anything)


If you cannot take on a problem head on, go around the sides, over the top, or underneath. If you still have problems, then change the rules. If you can't change the rules then manipulate yourself into a position where you make the rules.

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