Didn't get a response to my 7 day letter which was sent before Xmas. Unfortunately had a few personal problems of late so haven't got around to sending the next letter! Will let you all know once I can the chance and how I get on. How is everyone else doing with their claims? Good idea starting a new thread, think there are lot's going after GMAC, but seems to be posts all over the place! Good luck to all!

Hi Tilly I received the usual letter saying we agreed to T&C's etc. Have prepared a letter to send tomorrow just repeating that their charges represent an unfair term of contract, and that the amount charged for early redemption exceeds any true cost to themselves and if they disagree then I've asked for them to give me a full breakdown of the costs! I've given them 7 days to reply! Wish me luck!!

Have today posted letter to GMAC asking them to either refund my ERC of £5745.61 or give me a breakdown of the cost of their losses! Have given them 14 days to respond so will keep you informed! Has anyone yet successfully claimed back ERC for any mortgage company? GMAC RFC £5745.61 - Request for payment or breakdown sent 25/10/06. Halifax £TBC - DPA sent 26/10/06

Can someone point me in the right direction please! I want to request my records from GMAC to get my early redemption fee back. I believe its under ther Data Protection Act and wondered if anyone had a copy of the letter they'd sent as I have no idea how to word it. Any help would be appreciated.

Hi Dashngail Thanks for your reply. Went through my stuff yesterday and for some reason I've lost loads of paperwork. Only seem to have the letters they sent referring to interest rate rises and the end of our discount period! Can't even find the letter showing the amount left to pay and the redemption fee! I do have a copy of the original offer letter though, so I hope this will be enough? I think I'll contact my solicitors to see if they have a copy of the final invoice which will show how much the redemption fee was! Not doing to well really am I? Am I able to request copies of this information from the mortgage company?

I am completly new to this and would appreciate any help in what I need to do to get started. In brief, sold house in Jan 2006 after 18 months and had to pay over £5k redemption penalty to GMAC. I've read about the Data Protection Act forms do I need to send request this first or can I go straight in with the letter asking for my money back? Many thanks!