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Gmac/ Shoosmiths

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  • #1

    Gmac/ Shoosmiths

    Sorry unsure how to use leagle beagles. Help needed please. I vt'd 6 year old car in september well over half payments as per contract. Manheim inspected for damages. I disagreed with pricing and damage as i believe its fair wear and tear. Shoosmiths wrote to me so i sent robs letter re:damages and i will defend in court (included i had paid x amount over half payments). Shoosmiths have now rang to offer a "deal" which i declined as they say over payment doesnt count and i owe the total they were originally after. As i declined they said because i have refused to pay they will now close their case and send it back to GMAC?? Im confused. Any help would be appreciated. Thanks in advance
    [MENTION=71570]R0b[/MENTION]
    Tags: None
  • #2
    Re: Gmac/ Shoosmiths

    As far as I am aware, whenever GMAC seek to recover any charges or damages due to the vehicle, they automatically send it out to Shoosmiths who will try as hard as they can to threaten, intimidate or coerce you into paying up. If that fails then they send it back to GMAC who don't seem to do much more than that.

    You should however keep an eye on your credit file as some lenders have been known to record defaults or other adverse information on there. They shouldn;t do this and it can be a breach of the Data Protection Act 1998 but some lenders know that consumers won't take them to court over it or are too afraid. You need to take this into account when you dispute these charges.
    If you have a question about the voluntary termination process, please read this guide first, as it should have all the answers you need. Please do not hijack another person's thread as I will not respond to you
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    LEGAL DISCLAIMER
    Please be aware that this is a public forum and is therefore accessible to anyone. The content I post on this forum is not intended to be legal advice nor does it establish any client-lawyer type relationship between you and me. Therefore any use of my content is at your own risk and I cannot be held responsible in any way. It is always recommended that you seek independent legal advice.

    Comment

    • #3
      Re: Gmac/ Shoosmiths

      Thankyou for a fast response i really appreciate it. I will keep my eye on my credit file thanks again

      Comment

      • #4
        Re: Gmac/ Shoosmiths

        Out of curiosity, what was the 'deal' that they offered? Was it substantially lower than what they were seeking to obtain or minimal?
        If you have a question about the voluntary termination process, please read this guide first, as it should have all the answers you need. Please do not hijack another person's thread as I will not respond to you
        - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
        LEGAL DISCLAIMER
        Please be aware that this is a public forum and is therefore accessible to anyone. The content I post on this forum is not intended to be legal advice nor does it establish any client-lawyer type relationship between you and me. Therefore any use of my content is at your own risk and I cannot be held responsible in any way. It is always recommended that you seek independent legal advice.

        Comment

        • #5
          Re: Gmac/ Shoosmiths

          She didnt make an offer just kept asking me if i refused to pay which i just said i hadnt used the word refused??

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          So i dont know what the offer was

          Comment

          • #6
            Re: Gmac/ Shoosmiths

            I see, well as above just keep an eye on things but GMAC as far as I know are all talk no action.
            If you have a question about the voluntary termination process, please read this guide first, as it should have all the answers you need. Please do not hijack another person's thread as I will not respond to you
            - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
            LEGAL DISCLAIMER
            Please be aware that this is a public forum and is therefore accessible to anyone. The content I post on this forum is not intended to be legal advice nor does it establish any client-lawyer type relationship between you and me. Therefore any use of my content is at your own risk and I cannot be held responsible in any way. It is always recommended that you seek independent legal advice.

            Comment

            • #7
              Re: Gmac/ Shoosmiths

              Hi R0b

              Just a quick update. I have recieved my annual statement that has a closing balance of the charges, however, it does not state anywhere on the letter that these are the damage charges just states closing balance.

              Am i right to ignore this, as i feel it has been disputed and is just a summary that they are trying to intimidate me with?? Can they pass this on to baliffs if i have written to shoosmiths to take me.to court?

              Thanks again

              Comment

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