I spoke with the member and reviewed the situation. There were some processing errors made which caused the delay in the release of the lien with the Department of Motor Vehicles. This matter has been resolved to the members satisfaction..
indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Let me start by saying [redacted]...
[redacted] said I am a collection agent and I feel I can bully by my responses. Provided [redacted] is an attorney research should be done before statements are made. I have never collected or been a collection agent a day in my life. I do train classes as well as manage for a living. That should be a mute point in this situation. The credit union feels that they are not held by [redacted] laws because they are 1st party lender, however, the [redacted] will hold first party lenders accountable when they harrass. I have voicemail recordings I and the copies of the emails that they referred to in this response along with the screenshots that I can provide to the Revdex.com. Although I did provide my email address to them at no time can a lender send personal detailed financial information to your employment. I did not request any information from them at that time.
Regards,
[redacted]
The principal balance assigned to attorney was $6,325.57. Contract interest rate was @ 13.99% and interest has accrued from date of last payment 8/29/2011 - plus legal cost. (See attached) Debtor never contacted [redacted] after unit was repossessed and debtor never supplied [redacted] with...
a valid mailing address. From the account events listed below it is evident that debtor avoided contact and communication with [redacted] prior to repossession, during repossession attempts and after repossession. Any settlement offer needs to be sent to the office of Mark * K[redacted]. Last member / debtor payment on loan occurred on 8/29/11:No insurance on vehicle from 2/12/2011 until repossession date 12/11/11:10/14/11 repossession order placed - no insurance - no communication - due for 8/23/11 (52 DAYS PAST DUE):10/17/11 unit spotted but before unit could be hooked up to agents tow truck debtor came out of house jumped in unit tried to ram repossession truck and took off at a high rate of speed in a residential neighborhood - repossession company backed off and did not pursue:Between 10/11/11 and 10/25/11 7 attempts made to recover unit and various addresses:10/25/11 contact made with debtor by repossession agent but debtor would not surrender unit or give a location:10/27/11 repossession agent went back to address of record and was told this is debtor's uncle residence and debtor does not live there:Between 10/27/11 and 12/29/11 various attempts made to recover unit and various addresses:12/29/11 a tow notice from [redacted] was received - unit was towed to Valley Towing on 12/11/11 by order of a local law enforcement agency:12/30/11 [redacted] received release of vehicle from [redacted]:1/4/12 right to redeem letter sent to debtor's last known address of record which was deemed not good back in October 2011:3/2/12 [redacted] received court release for the restitution lien placed on the vehicle by the courts:3/21/12 Unit sold at [redacted] for $6400:3/28/12 Deficiency letter sent to debtor's last known address of record which was deemed not good back in October 2011:4/23/12 Deficiency balance on loan of $6497.07 was charged off to bad debt, membership terminated, statements terminated also:4/26/12 - 5/21/12 Locate efforts were made so debtor could be served with a legal suit:9/17/12 GAP refund received $166.50 and applied to deficiency balance:5/8/13 Loan was placed on the unresolved list because [redacted] could not locate debtor: Locator assistance placed on account with Experian:3/19/15 Skip search efforts4/16/15 Deficiency balance placed with the law office of Mark * K[redacted] Todd H[redacted]Collections Manager[redacted] Landings [redacted]
[redacted]
I spoke with the member and reviewed the situation. There were some processing errors made which caused the delay in the release of the lien with the Department of Motor Vehicles. This matter has been resolved to the members satisfaction..
[A default letter is provided here which...
indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Let me start by saying [redacted]...
[redacted] said I am a collection agent and I feel I can bully by my responses. Provided [redacted] is an attorney research should be done before statements are made. I have never collected or been a collection agent a day in my life. I do train classes as well as manage for a living. That should be a mute point in this situation. The credit union feels that they are not held by [redacted] laws because they are 1st party lender, however, the [redacted] will hold first party lenders accountable when they harrass. I have voicemail recordings I and the copies of the emails that they referred to in this response along with the screenshots that I can provide to the Revdex.com. Although I did provide my email address to them at no time can a lender send personal detailed financial information to your employment. I did not request any information from them at that time.
Regards,
[redacted]
The principal balance assigned to attorney was $6,325.57. Contract interest rate was @ 13.99% and interest has accrued from date of last payment 8/29/2011 - plus legal cost. (See attached) Debtor never contacted [redacted] after unit was repossessed and debtor never supplied [redacted] with...
a valid mailing address. From the account events listed below it is evident that debtor avoided contact and communication with [redacted] prior to repossession, during repossession attempts and after repossession. Any settlement offer needs to be sent to the office of Mark * K[redacted]. Last member / debtor payment on loan occurred on 8/29/11:No insurance on vehicle from 2/12/2011 until repossession date 12/11/11:10/14/11 repossession order placed - no insurance - no communication - due for 8/23/11 (52 DAYS PAST DUE):10/17/11 unit spotted but before unit could be hooked up to agents tow truck debtor came out of house jumped in unit tried to ram repossession truck and took off at a high rate of speed in a residential neighborhood - repossession company backed off and did not pursue:Between 10/11/11 and 10/25/11 7 attempts made to recover unit and various addresses:10/25/11 contact made with debtor by repossession agent but debtor would not surrender unit or give a location:10/27/11 repossession agent went back to address of record and was told this is debtor's uncle residence and debtor does not live there:Between 10/27/11 and 12/29/11 various attempts made to recover unit and various addresses:12/29/11 a tow notice from [redacted] was received - unit was towed to Valley Towing on 12/11/11 by order of a local law enforcement agency:12/30/11 [redacted] received release of vehicle from [redacted]:1/4/12 right to redeem letter sent to debtor's last known address of record which was deemed not good back in October 2011:3/2/12 [redacted] received court release for the restitution lien placed on the vehicle by the courts:3/21/12 Unit sold at [redacted] for $6400:3/28/12 Deficiency letter sent to debtor's last known address of record which was deemed not good back in October 2011:4/23/12 Deficiency balance on loan of $6497.07 was charged off to bad debt, membership terminated, statements terminated also:4/26/12 - 5/21/12 Locate efforts were made so debtor could be served with a legal suit:9/17/12 GAP refund received $166.50 and applied to deficiency balance:5/8/13 Loan was placed on the unresolved list because [redacted] could not locate debtor: Locator assistance placed on account with Experian:3/19/15 Skip search efforts4/16/15 Deficiency balance placed with the law office of Mark * K[redacted] Todd H[redacted]Collections Manager[redacted] Landings [redacted]
[redacted]