Quote:
|
Originally Posted by mrbaxr6t
I know this thread slipped into obscurity but I poked the bear and it woke up! heres what I did :
I make payments via bpay and I had the cash so I gave them a lump sum of mid 4 digits amount, and low and behold a week later I received a LETTER yes! a LETTER from these people with a "GMAC" header thing across the top of the page, it was essentially telling me that I do not need to make a payment until a date quite distant in the future, I read it and found it quite amusing that I have to go to these extremes just to get them to acknowledge my existence, and I thought that was that until I received a PHONE CALL <yikes> and it was some random female claiming to represent gmac financial services and was to make sure I recieved their letter they sent me, to confirm the date payment is due and to make sure the payment was not an error !!!
now I decided to strike and go on the offensive and ask for a payout figure amount and other details pertaining to my loan agreement - this sent this person into a flatspin and she was unable to answer my questions and I was given the usual speel about it will be looked into and I will receive a phone call - this lead me to tell her that I am still waiting for the last phone call I was said to recieve that I am still waiting for and I demanded a letter and also said that I am entitled to loan statements if I request one under law - this too left her with nothing to say apart from "you will get a statement"
I am worried that my money is disappearing into the god damn ether I like everybody else am doing the right thing and paying for my car despite the finance company giving me nothing absolutely nothing
that was almost two weeks ago that the phone call event occurred I still await the letter
|
You borrowed the money, so it's good to see you sticking to your end of the agreement to pay it back. I also agree that it's unlawful to not provide you with a statement.
My bet would be to go to the Banking/Financial ombudsman and make a complaint. IF you could prove that you would be paying less interest (re-financed) or no interest (paid in full), then you may be legally entitled to restitution.