hi - i have had 2 mortgages with GMAC - one 2005-2007 and the other prior to that. i haven't got any of the documents or the account numbers. Can I see claim anything back and how would I do this. thanks

ok thanks Dx

hi - sorry i fthis is the wrong thread but a quick question. i have had 2 prior mortgages with GMAC one was 2005 - 2007 and the other was prior to that. i have no accounts numbers or anything - is there a way i can claim any charges/ppi back from them. thank you

ok thanks spoke to council today there is still 157.00 left to pay on my account - I informed them that I am querying the charges and will be paying directly to them in the future and to put a hold on the account. Spoke to newlyns and asked for a screen shot - the woman - who was very rude - said she didn't know what I was talking about, I asked for breakdown of charges and she said £342 for their enforcement of liability order. she said they don't charge for letters. So will write to them and ask for a breakdown again. Told her I have told the council to put a hold on the account because i am querying charges and she said that the council will need to inform them - so I told her to ring them and verify it cos i was cancelling their direct debit today. so will now have to wait for the breakdown . thanks for your help

ok i letter 24.50 no visits no visit 2 18 no levy £xxx no attendance to levy fee xxx no van/attendance fee xxx no late payment fee xxx ???? enforcement fee xxx total amount 24.50 ?????? bizarre will ring council in the morning and write to Newlyns asking for a screen shot thanks for your help and will post tomorrow

Hi Word of warning!!!!! took up a free trial with this lot and then cancelled 3 days later as I could see my credit report and couldn't get in touch with them. got my credit card bill and they charged me £19.95 for the privilege of not seeing my report and 2 days later charged me another £19.95 for [EDIT] - which I didn't even sign up for - couldn't even get onto that as my details weren't registered. Finally got through to them and they said that I wasn't entitled to a refund because i cancelled to late - Tosh i said and sent them a copy of the original email. My credit card company said that they have had a lot of complaints about this company taking money when they shouldn't have

ok my Mum has a buzz system into her block of flats so they would have to ring to get in and she never said that they did so it must have been posted. if they charge 24.50 for a visit - what are the other 375.50 charges for????? They were told that there is no point going to her house cos i don't live there and she has had no other correspondence from them.

no i didn't tell them I was living with my Mum I specifically told them and the council i was not living with her and why are they sending letters to my elderly mother when i haven't lived there for years - the council tax is for my old house which I sold in 2004 - i don't even live in the borough now. not sure on the letter - i think it was posted I didn't mind paying the £800 that i owe (as I said I have paid £880 to date more than enough to cover the original bill) - but I begrudge paying £400 for the privelige of dealing with newlyns.

ok thank you - if i get a receipt saying that it has been paid can I stop paying newlyns? i haven't lived with my Mum since 1994 and I told them and the council that last year- they got her address off the council. i wish i had just dealt with the council but they said i have to go thru the bailiffs.

I see I have read so many things on here and i am gutted that I will still owe the council more money. any ideas what the standard charges are - i have had no visits, 1 letter and i always phone them - the only time they phoned me when i was 2 days late paying and they said if I don't pay I have defaulted on their agreement

I think that £400 charges are a bit steep for a £800 council tax bill.

they delivered the original letter to my Mothers but have never visited as far as i know - i'm sure she would have said. I will ring the council tomorrow and find out how much has been paid off the bill and inform them that I am disputing the charges.

Hi thanks i have never received any letters or visits from Newlyns as they do not know where i live - this bill is for my old house. All letters (1 of them) have gone to my Mum's house and they have said to me on the phone that they will visit her to remove goods - to which i told them good luck they don't know my mum. I have paid them so much I am worried that they will take their charges and tell the council that I still owe them £400 odd quid. Should i stop paying them til it is sorted out When i spoke to newlyn to enquire how much I have paid they said £800, I then said oh that is it then I have paid my debt to the council and Newlyns said no another £400 for our charges

Advice please I owed the council £800, they passed this onto Newlyns last year and my Mum received the letter at her house. I phoned the council to arrange payment but they said I had to deal with newlyns. When i phoned them last year I had to argue with them to pay £80 per month to clear the debt. As of today i have paid them £880 which is the amount I owe the council but they tell me I have another £400 plus to pay - which are their charges. Do I have to pay them their charges? or can I refuse as I am now struggling. Should I ring the council to see if Newlyns bought the debt off them - if so Newlyns have prob had their money and a load extra. HELP!!!!!!!!!!!

Hi, Thanks, we will have to wait for their letter. We had 2 joint accounts but it has been closed now, the other account is where he pays maintenance into (albeit not this week).