gmac/mortgage express, mortgage rescue, reclaim?

[liz01]

hi, not sure if ive put this on correct thread,

 

have been thinking about claiming for mis sold mortgage

 

,just wondered if there is anyone with any advice at all on what to do or hold out and see what happens about the libor fixing,

 

long story but will try to shorten it!

 

in 2006 we sold our house of 23 years and moved,

we went to a broker in our local town, and was advised the best option for us was to self certify,

(i was on disabled benefits, have serious illness) hubbie was working at that time, 2 children,

 

got a mortgage through GMAC, fixed for 2 years, from 2006-2008 interest rates went UP,

when we came off fixed in march of 2008 we couldnt manage new payments,

( in this time though gmac sold our mortgage to mortgage express which is owned by bradford and bingley)

 

tried to get help from ME but were useless,

 

by 2010 we were in real trouble with mortgage etc,

it took over a year but eventually we qualified for a government mortgage rescue scheme,

whereby a social housing bought our house and we now still live in our house but pay them rent,

we did have a shortfall,

we were in negative equity, but that seems to have disappeared!

 

thank fully,

 

we also had a secured loan on our house,

but with help from the rescue team they were given a small sum of money to let them release the charge on house for it to be sold,

 

we still owed them over £20k but on our credit reports it says we have paid it off, it says cleared!!

 

we lost the ownershop of our home,

had huge charges added on over the years

but yesterday received a cheque from them for £20 as they had overcharged us for the exit fee!!

this is from august 2010!!

 

anyone have any ideas where to start,

 

what to do if anything??

 

many thanks