going to the same i got a poor decision from them over claim from gmac rfc

hi all been phoned constantly at work at home from credit security for a debt of £477 i got a credit report from experian only showing one ccj which i acknowlege from a debt claims company in dispute with that one showing nothing else regarding that debt ? i set a letter registered post to stop calling me they ave replied back that i must send one pound for paper work as i requested the original loan agreement documentation

hi just got my credit file from experian showing one cj and few late payments on my file mortgage just got 3 debt letters from credit companies claiming i owed money to them i was in debt management program from DCM in Nottingham from 2001 to 2009 i though they had been paid off ? they are also calling the house and at work which is embarrassing how do i resolve this Paul.

hi every one a few firms are claiming to help out on miss-sold mortgages any used these companies

i hope this will work because i was very disappointed with glancing offer i was made

hi can i call this number thanks

has any one tried about mis sold mortgages Paul

the Mortgage lender 2001 TML GMAC rfc was based in Hampshire i had originally had a mortgage with Halifax 55,000 but got into arrears it was a pep mortgage at first ( bad advice ) 1997 then i took it to interest and the Halifax took it a repayment also had unsecured loans , i was never given advice to talk to creditors going in to debt management or Halifax for extending the loan by the broker mortgages was for £71000 with g mac i got extra to pay creditors but one was for a Halifax loan who took £8,000 pounds right from my bank so was in arrears straight away i also had a charging order on the house too that has now been paid off fell into arrears with gmac in 2003 they took me to court as they were loading non dd payments and arrears charges every month onto the loan Paul

hi thanks looking around for a company that does this

will check out a few companies who might help thanks Paul

mine was g mac told today because it was took out in 2001 cant claim

has any got any knowlege how to claim from 2001 was told you can only claim from 2004

any claiming from 2001

he FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers. Please see the links below for summaries and full details from the FSA website. It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful. Furthemore, irresponsible lending practices are also unfair and unlawful. Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted. You are entitled to refuse counsellor visits and not incur any charges. Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price. We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted. It is clear that some mortgage lenders are trying to cheat you out of your money. You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money. However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%. Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well. If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.

he FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers. Please see the links below for summaries and full details from the FSA website. It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful. Furthemore, irresponsible lending practices are also unfair and unlawful. Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted. You are entitled to refuse counsellor visits and not incur any charges. Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price. We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted. It is clear that some mortgage lenders are trying to cheat you out of your money. You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money. However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%. Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well. If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.

I had a cheque for seven hundred pounds which went to the house next door new neighbours gave it to me the bank last year did not cash it ?

Just had a letter from a company dcm apex my DPM co. have folded is worth going to another one i had a plan since 2001 with DCM and only paid off some loans what is the best way to go about debts the other firm are advising a iva ?

Dear Sir/Madam, Despite the extensive previous correspondence I have sent you regarding this matter, that you have chosen not to resolve, despite being given ample opportunity to do so, I am complying with Civil Procedure Rules and Court Pre-action Protocol, by sending you this Letter Before Action. I believe that the charges GMAC have applied to my account are wholly disproportionate to their actual costs and are therefore unfair under Reg 6 of UTCCR. I believe that GMAC occupy a dominant position in relation to myself in the contract, and have operated their dominant position contrary to the requirements of good faith by misrepresenting their administration fees and debt counsellor non-visit charges per Reg 5 UTCCR. I also believe that GMAC have made a contractual misrepresentation that these charges relate to the actual costs incurred by GMAC thermore, I believe that GE Money have breached their statutory obligations, contrary to their regulation by the FSA, by failing to communicate with me in a way that is fair, clear and not misleading. I have asked GE Money for a full and complete breakdown of how they arrive at a charge of £15 DD AND 50 POUNDS AND ADDED TO LOAN EXTRA per month for dealing with an account whilst in arrears. GMAC have failed to provide me with such a breakdown, or indeed any audited accounts proving that GMAC actually incur provable losses or actual costs of £65 per month, for dealing with my breaches of contract by my late payment of my secured loan. GMAC have also failed to provide proof of their charges for Default Notices and failed direct debiticon charges. This letter before action regards only the monthly arrears fees and default notice fees elements of my claim against GMAC As GMAC are being particularly obstructive in my access to my legal right of information in this claim, I shall be forced to bring numerous separate claims against GMAC . I hereby respectfully apologise to the County Courts for this, but as GE Money have a specific department, known as The Contentious Litigation Department, whose sole aim appears to be to obstruct an aggrieved claimant, then I believe it is fair and reasonable for me to bring separate claims for each separate element of my claim. I calculate that GMAC have charged me £3500 plus interest at their scandalous rates, for my failure to pay my direct debit payments at the agreed time, NO BANK ACCOUNT TO PAY DD and their alledged costs incurred in dealing with my account whilst in arrears. I enclose a schedule of these charges with this letter before action. This figue is calculated from the failed Direct debit charges and the monthly Arrears Fees that GMAC charged me. I contend that GMAC did not actually incur these costs, and they are actually a fanciful charge they have fabricated to unduly enrich their profits. I believe these charges in no way represent their actual costs. Therefore I believe GMAC should refund these charges, plus the interest they charged, plus the 8% statutory interest a court would award, for me being deprived of my money by GMAC . GMAC will be well aware of the large fines handed to GMAC and Kensington by the FSA for their unfair and excessive charging regimes imposed on customers whilst in arrears. If GMAC and Kensingtons charges are deemed to be excessive and unfair, it is clear to me that GE Moneys charges are also. I also note that on commencement of my loan, GMAC charged for your administration charges when a direct debit was returned unpaid. Would you be so kind as to provide me with the detailed costings analysis you conducted when you felt it necessary to raise this charge . Obviously you will be able to demonstrate the increase in your actual costs that necessitated this increase. I believe that I have already given GMAC sufficient time to deal with my complaint. As a large organisation with access to the best legal advice that money can buy, I believe that fourteen days is sufficient for you to deal with this letter before action. If I do not receive a full and proper response and a full refund including interest within fourteen days, I shall be forced to bring this matter before the County Courts. THEY HAVE called me up

they have internal targets to meet that's why the harassment good luck

thanks will draft a letter to them

dd mortgage arrears becuse my bank book was taken off could not pay by direct debit only a building society check when i had funds

good luck will do the same went through a claims company rubbish in my respect my charges came to 3500 gmac rfc the fsa said they where ok but didn't like the way they were added to mortgage ? ? i had no bank account but managed to pay via a pass book building society check paul

yes have logged a claim with a claims firm they only offered dd fees i was charged 10 and 50 pounds a month from 2002 to 2008 loaded on the mortgage

good luck going to th same with gmac rubbish ombudsman service was crap i was struggling to pay because i hand no current bank account at the time only a building society pass book good luck

is possible to ask mortgage ge money to move payment date from 7 th each month till 10 th by 3 days getting paid monthly with new job thanks