Future Income Payments

I was treated with respect. No one pressured me into excepting a cash advance.I am using the cash advance to repair my car.

I have been very impressed with the professionalism of the people I have dealt with throughout this prossess. I would not hesitate in referring people.

Cash Advance is exactly what I need for help in getting my finances in order Cash advance personnel is prompt, courteous and every detail has been explained fully. Each person I talked to was supportive and patient. I am glad I made the call.

Review: On December 11, 2015, I submitted all requested paperwork for a cash advance loan in the amount of $4697 to help me payoff medical and other debts I have incurred. The funding manager named [redacted], communicated to me by phone that I was fully approved on December 14, 2015 and funding with deposit into my checking account will take place within 5 to 7 business days. I spoke to [redacted] on December 21, 2015 inquiring about my loan. [redacted] told me that he gave the accounting office a priority request to fund my loan and promised to call me back the next day with an update. I never heard from [redacted]. On December 22, 2015, I once again called the office and spoke to [redacted]. I asked for [redacted] but [redacted] said he was not in. [redacted] told me that I was set for priority funding and the only communication allowed with the accounting office is by E Mail, accounting did not accept any phone calls. [redacted] said she will Email accounting requesting priority funding and deposit into my checking. At this point it was painfully evident I was given the run around and feeling extremely frustrated. Since then I have been calling daily and speaking to representatives whose control of the English language is very poor and communication was difficult at best. I really need that money for my family, and being a disabled American Navy Veteran on VA disability pension, I don't deserve the run around they are giving me. I emailed the company several times in the last week requesting funding and deposit into my checking account immediately with no reply. Please help me get my loan ASAP. Respectfully, [redacted]Desired Settlement: Fund and deposit cash advance loan into my checking account before the end of 2015.

Business

Response:

We apologize for the inconvenience we have caused Mr. [redacted]. Mr. [redacted] makes reference to his funds not being deposited into his banking account as promised within 5 to 7 business days. Mr. [redacted] also states that he had spoken to two specific persons over the course of a few days, and that each person claimed they would provide the accounting department with a priority request to have the funds deposited into Mr. [redacted]’s banking account. Mr. [redacted] also states that he was advised he would not be able to speak to the accounting department as they only receive e-mail correspondence and do not accept phone calls. Mr. [redacted] feels he was getting the “run-around” from our customer service representatives and communication was difficult at best. We acknowledge these statements given by Mr. [redacted] and believe there is a misunderstanding of the timeframe of when funds would be deposited and available. Please be assured, there was no intent to mislead or provide false information to Mr. [redacted] during these communications.Upon review of various communications and call logs at our disposal related to Mr. [redacted], we determined that there had been several phone conversations spanning from December 14th, 2015 to December 23, 2015, but there was no indication during these discussions regarding a 5 to 7 business day turnaround in receiving the funds. Mr. [redacted] had been informed that there would be a wait period for any update as to when the funds would be available, and was advised of this information on more than one occasion over the course of all communications that had taken place.At this time as confirmed by our Funding Department, Mr. [redacted] was included in the December 30th, 2015 funding’s to our Sellers.We empathize with Mr. [redacted] and feel we have this misunderstanding resolved. We would appreciate Mr. [redacted] letting us know if there are any other unresolved issues we may be able to assist him with.Sincerely,[redacted], President

They have been timely and accurate with the handle of information this far.

Everyone that I spoke to during the whole thing . Were very positive and very easy to speak with.

Customer service was very nice and cooperative. Time frame for rReceiving funds is a little longer than I expected but overall was an easy and friendly experience when you need to get funds without too much hassle.

Review: I HAVE BEEN TRYING TO GET A COPY OF MY CONTRACT FROM THIS COMPANY FOR A WHILE AND UNABLE TO GET A COPY OF MY CONTRACT. I HAVE BEEN TOLD SEVERAL TIMES THAT THEY WILL SEND IT TO ME THROUGH MY EMAIL AND TO NO AVAIL I HAVE NOT GOTTEN ANYTHING. THEY HAVE BEEN TAKING PAYMENTS FROM MY CHECKING ACCOUNT BUT I CAN'T GET ANY PAPERWORK FROM THEM ABOUT MY CONTRACT.Desired Settlement: TRYING TO SEE IF THEY ARE A LEGIMATE COMPANY AND ALL REVIEWS ON THEM REGARDING THEIR BUSINESS. I WOULD ALSO LIKE A COPY OF MY CONTRACT WITH THEM.

Business

Response:

VIA EMAIL

February 24, 2014

Ms. [redacted]

4747 Viewridge Avenue, Suite 200

San Diego, CA 92123-1688

Re: Complaint ID [redacted]

Dear Ms. [redacted].

We are in receipt of your letter referencing Complaint ID [redacted] ("Complaint"). A copy is attached for

reference. Please note that this Complaint was not previously received by our office, and as a result a

response had not been prepared prior to today.

We apologize for any inconvenience we may have caused Ms. [redacted]. Ms. [redacted] references a request for

a copy of her contract, known as the Future Income Stream Purchase and Sale Agreement ("FlS"). We

have attempted to forward a copy of the FIS to Ms. [redacted] via E-mail at [redacted] per her

request/Complaint, but have received no reply as to whether or not it has been received successfully. We

have further attempted to contact her via telephone, left messages on a "generic,. voicemail and have not

received a return call.

Evidently, Ms. [redacted] had previously requested the FIS and did not receive it. We have checked our

records and they indicate that a copy was initially forwarded on or about the same day she filed the above

referenced Complaint. We sincerely regret the unfavorable experience and the frustration caused by this

process to Ms. [redacted].

We will work to improve the customer experience in the future in an effort to avoid a recurrence of this

unfortunate situation.

Sincerely,

[redacted], President

Great company!

Future Income Payments was there when I needed them the most. With my debt to income ratio so high, and my credit score so low they were the only ones I could turn to for help. This is a very last resort business and I would recommend other alternatives if available

They were very particular to make sure everything was done appropriately.

all persons that I dealt with at lump sum settlement where outstanding in their service and very patience with me and my computer knowledge

Very positive experience. All of my questions were answered in a timely manner.

One of the best experiences that I've encountered! Top notch service from every aspect of the process. I'll definitely recommend to my friends.

Review: Enter into this contract agreement on 3/06/2015 for the sum of $5500 and a pay back $499.00 for a 120 months at the tune of $59,880 with after all documents was sent in including all my income information and bank account and notarize statement was completed and delivered to Future Income Payments LLC was told by Mr. [redacted] that everything needed is in and funding will be in my bank 5-7 business days, not true. After reading all the many other complaints there sign of profiling cause on 2/4/2014 this unhappy customer stated that he was offered 8000 dollars and pay back a little over 50,000 dollars back the question is why is my offer of 5500 dollars costing almost 10,000 dollars more. After many attempts they finally text me back which was on the 3/13/2015 was told AGAIN that the funds will be in my bank by 3/27/2015 NOT TRUE AGAIIN. The contract was breach when Future Income Payments did not deliver the funds the day the contract was sign and in which the first payment was to come out my bank on 4/02/2015 what kind of scam is that the contract is NULL and VOID by law. Talk to [redacted] of the processing team again he said Funding will be in my bank and then they stop answering the phones or any communication. With all my personal information out there in their I hope there is a good Attorney out there reading this that will start Federal Investigation on SELLING A PORTION OF YOUR HARD EARN PENSION for close to 200% for small amount of up front funding, they get that back within 6 months to a year. The money can very helpful and some of us can afford the payments but the Question still, is it legal and is their way they process they contract and have you sign but they don't deliver the funds per contract is enforceable. Hope somebody will look out for us SeniorsDesired Settlement: I would like to receive the funds me and [redacted] (Salesmen)talk about which is 6,000 dollars with would keep the monthly payment amount about the Same with 30 days from which the funds are deposited and for interest rate are what you advertise on you web site at 6 - 8 percent soon as possible.

Business

Response:

April 14,2015Ms. [redacted]Re: Complaint ID [redacted]Dear Ms. [redacted],We are in receipt of your email referencing Complaint ID [redacted] ("Complaint"). A copy isattached for reference.We apologize for any inconvenience we have caused Mr. [redacted]. Mr. [redacted] makes referenceto finalizing his contract but not receiving the cash advance within the 5-7 business days quotedby our representative. Mr. [redacted] also refers to a revised timeline for funding not being met andas ofthe date of his complaint, he had no1. received the funds. We acknowledge and agree to thesefacts as stated. Please be assured, there was no intent to mislead or provide false information toMr. [redacted].We at Future lncome Payments, LLC ("FIP") operate as a financial services company providingthe opportunity for holders of pensions, annuities or other reliable cash flow streams ("Sellers") tosell a pmiion of those cash flows to interested purchasers of the cash flow streams ("Buyers") at adiscount, in order to receive a lump sum of cash. In the case of Mr. [redacted], it appears that theBuyer funds needed to match to his transaction did not become available within the time frame hewas quoted during the contract process. We will review the various communications and call logsat our disposal and use this information to provide further training to all om representatives inorder to avoid a recun ence of this unfortunate situation. We apologize to Mr. [redacted] for notbeing clearer in our communications as to what was causing the delay and to provide him with amore accurate estimate of when his funding would occur.Based on review of current information, it appears Mr. [redacted] worked with a representative tochange his contract terms such that it was able to be matched with available Buyer funds. Oncethis was completed, Mr. [redacted] was funded by our partner on April 8, 2015. Based on thisfunding date, Mr. [redacted] should have had access to the cash advance funds no later than April13,2015. This delay in access to the funds is due to banking rules and regulations related to ACHtransfers and are out of our control.We sincerely apologize for any inconvenience the delay has caused Mr. [redacted]. V./e will use thjsexperience to improve our customer service and procedures in order to hopefully prevent this fromhappening in the future.Sincerely,[redacted],

People where friendly but application was to long. And required to many documents faxed

I found the people I spoke with very friendly and curious and answer any questions I had and kept me updated on what was happening.

awsome experience.

Great customer service friendly and efficient. And already recommended you to three other veterans I know.

Review: I started a va pension advance loan on march 8th... I was approved and esigned a contract. I was told it would take 5-10 business days. then I was told I wasnt matched with a lender until march 16th and it would be another 5-10 business days.. that all came and went with no funds deposited to my bank account.. so then I was told there are NO FUNDS AVAILABLE TO PROVIDE ME WITH MY CONTACTED LOAN. I have received emails from all depts and phone msgs assuring me I am a priority client. I AM A DISABLED VIETNAM NAVY VETERAN WHO HAS RECEIVED NOTHING BUT A RUN AROUND. NOW I AM IN JEOPARDY OF BEING EVICTED! CAR REPOSSED! UTILITIES CUT OFF! AND MY BILLS BEING PUT INTO COLLECTION! ALL I WANT IS MY PROMISED, CONTRACTED LOAN.Desired Settlement: ALL I WANT IS MY LOAN FUNDED TO MY BANK ACCOUNT AS PROMISED AND CONTRACTUALLY AGREED BY MYSELF AND THIS COMPANY. ( IF IT EVEN EXISTS!)

Business

Response:

April 20, 2015Ms. [redacted]Re: Complaint ID [redacted]Dear Ms. [redacted],We are in receipt of your email referencing Complaint ID [redacted] ("Complaint"). A copy isattached for reference.We apologize for any inconvenience we have caused Mr. [redacted]. Mr. [redacted] makes referenceto finalizing his contract but not receiving the cash advance within the 5-1 0 business days quotedby our representative. Mr. [redacted] also refers to a revised timeline for funding not being met andas ofthe date of his complaint, he had not received the funds. We acknowledge and agree to thesefacts as stated. Please be assured, there was no intent to mislead or provide false information toMr. [redacted].We at Future Income Payments, LLC ("FIP") operate as a financial services company providingthe opportunity for holders of pensions, annuities or other reliable cash flow streams ("Sellers") tosell a portion of those cash flows to interested purchasers of the cash flow streams ("Buyers") at adiscount, in order to receive a lump sum of cash. In the case of Mr. [redacted], it appears that theBuyer funds needed to match to his transaction did not become available within the time frame hewas quoted during the contract process. We will review the various communications and call logsat our disposal and use this information to provide further training to all our representatives inorder to avoid a recurrence of this unfortunate situation. We apologize to Mr. [redacted] for notbeing clearer in our communications as to what was causing the delay and to provide him with amore accurate estimate of when his funding would occur.Based on review of current information, Mr. [redacted] was funded by our partner on April 7, 201 5.Based on this funding date, Mr. [redacted] should have had access to the cash advance funds no laterthan April 10, 2015. This delay in access to the funds is due to banking rules and regulationsrelated to ACH transfers and are out of our control.We sincerely apologize for any inconvenience the delay has caused Mr. [redacted]. We will use thisexperience to improve our customer service artd procedures in order to hopefully prevent this fromhappening in the future.Sincerely,[redacted], President