Paul Blanco's Good Car Company Sacramento

I am rejecting this response because: I dont want hear anything else from Paul BlancoI am in the process of forming a lawsuit against themHave a nice day

I am rejecting this response because: I received e-mails from *** at Paul ***'s regarding this pay off stating that a check was already mailed to *** in OctoberI am including copies of the e-mails that I received stating this informationI would like an explanation as to why I was told a payoff was already done when I believe it was not, destroying my creditMy loan funded back in October and the previous lender (***) has not yet received paymentI also want to be assured that my credit will be restored and I want confirmation that *** has received paymentPlease advise.Hi ***,I am sorry to keep bothering you but I really need to know what the status isThis needs to be resolvedThis has gone on way too long at this point. In your last e-mail you had stated the issue will be resolved as of 12/7/but I am still getting phone calls from ***This has not been a good experience at all. I was pressured about my down payment from your facility but yet when it came to my pay-off now negatively affecting my credit immensely. I came to your facility to rebuild my credit and it has done the oppositeI have been told I can dispute my credit report but I feel like I should not have to do that at allNow I feel like when I come in to refinance in year I will not be able toI also asked you to send me a copy of the response that you received from the owner and I have not received that either. Can you let me know what is the next step (i.estop payment, reissue of payment etc). C.***Elections-Clerk-Recorder*** From: *** *** [mailto:***@paul***.com] Sent: Wednesday, December 07, 2:PMTo: *** ***Subject: Re: PAYOFF CHECK - *** *** - SACRAMENTO Good Afternoon ***, I received your email earlier this week and this morning. Both times I forwarded your information to the correct people asking for status update. Thank you for your emails. I included the owner on the emails and she has respond Hopefully the issue will be resolved todayMs*** has indicated they are working on it now. Thank you so much for your patience. On Wed, Dec 7, at 8:AM, *** *** wrote:Hello ***, Any news on this yetI am still getting phone calls even though I have told them not to contact me anymore that I am not the responsible partyWe are going on months that they have not received the payoffAt what point do you folks do a stop payment, contact them again, and reissue the payment? *** is requesting a picture of the check I am not quite sure where the ball dropped but it did and in a big way. Please let me know. C.***Elections-Clerk-Recorder*** From: *** *** [mailto:***@paul***.com] Sent: Wednesday, November 30, 10:AMTo: *** ***Subject: Re: PAYOFF CHECK - *** *** - SACRAMENTO Good Morning ***! I received your email yesterday and sent a request for an update and have not heard back yet. I am sending another email right requesting statusI will let you know when I hear back. Thank you so much for you patience, I am working to get this resolved as soon as possible for you. On Tue, Nov 29, at 10:AM, *** *** wrote:Hello ***, Have you heard anything on this matter as of yet? C.***Elections-Clerk-Recorder*** From: *** *** [mailto:***@paul***.com] Sent: Tuesday, November 22, 11:AMTo: *** ***; Tom PCc: *** ***Subject: PAYOFF CHECK - *** *** - SACRAMENTO Phone# ***DOS: 10/11/2016Stk# ***VIN# ***Nissan Altima TRADE INFO:Stk# ***AVIN# ***Dodge ChargerLender: ROADLOANS/ *** I spoke to *** at *** today 11/22/2016, at approximately 10:34am She retrieved customer information and confirmed a Dodge Charger for the account. I asked if she had a business office or accounting office she could transfer me to and she said no, but she could update the customer's account information in the computer. I explained to the Rep that our mutual customer purchased a vehicle from us on 10/11/and a payoff check for customer trade was cut 10/21/and most likely sent that day or the following I confirmed with Rep the *** payoff address: *** * *** ***, Suite #100, Dallas Texas, and the amount of the payoff check for $ I asked if Roadloans and *** were owned by the same company or if they were the same entity and I was told no, that they are completely separate *** Rep said she filled out a missing payment report and will be submitting it to her accounting department. I told Rep I was awaiting a response back from our business office to confirm the tracking number and delivery. --*** ***Corporate Office Specialist Paul ***'s Good Car CompanyPhone: *** ***Email: ***@paul***.com IMPORTANT NOTICE: This message is intended only for the addressee and may contain confidential, privileged informationIf you are not the intended recipient, you may not use, copy or disclose any information contained in the messageIf you have received this message in error, please notify the sender by reply e-mail and delete the message --*** ***Corporate Office Specialist Paul ***'s Good Car CompanyPhone: (916) 394-8143Email: ***@paul***.com IMPORTANT NOTICE: This message is intended only for the addressee and may contain confidential, privileged informationIf you are not the intended recipient, you may not use, copy or disclose any information contained in the messageIf you have received this message in error, please notify the sender by reply e-mail and delete the message --*** ***Corporate Office Specialist Paul ***'s Good Car CompanyPhone: *** ***Email: ***@paul***.com IMPORTANT NOTICE: This message is intended only for the addressee and may contain confidential, privileged informationIf you are not the intended recipient, you may not use, copy or disclose any information contained in the messageIf you have received this message in error, please notify the sender by reply e-mail and delete the message Reply Reply to All Forward More*** *** To***[email protected] at 3:43 PM C.***Elections-Clerk-Recorder*** From: *** *** [mailto:***@paul***.com] Sent: Friday, December 09, 2:PMTo: *** ***Subject: Re: FW: PAYOFF CHECK - *** *** - SACRAMENTO Hi ***, Correspondence between the staff and I is essential in how we conduct our business, detailed discussions will be limited to staff only, unless I am further advised by the owner. At this time I am not authorized to share business email correspondence with customers. However, you may appeal to the owner directly at ***@paul***.com I am waiting on status response. On Fri, Dec 9, at 2:PM, *** *** wrote:Has the check been cashed? If not when will your office do a stop payment? Why can’t I receive copies of the e-mails that transpire between staff, Ms*** and yourselfThis is concerning me and is not a private/confidential matter. C.***Elections-Clerk-Recorder*** From: *** *** [mailto:***@paul***.com] Sent: Friday, December 09, 2:PMTo: *** ***Subject: Re: FW: PAYOFF CHECK - *** *** - SACRAMENTO Hi ***, I agree this has gone on for quite some time, I've been pressing the issue this entire time trying to get it resolved. In my last email I did not state the issue would be resolved 12/7/2016, but instead stated, "Hopefully the issue will be resolved today." I won't be sending you the email correspondence between staff, Mrs***, and I. However, I can send you documents more substantial when I receive them I just requested status again. On Fri, Dec 9, at 2:PM, *** *** wrote: C.***Elections-Clerk-Recorder*** From: *** *** Sent: Friday, December 09, 2:PMTo: '*** ***'Subject: RE: PAYOFF CHECK - *** *** - SACRAMENTO Hi ***,I am sorry to keep bothering you but I really need to know what the status isThis needs to be resolvedThis has gone on way too long at this point. In your last e-mail you had stated the issue will be resolved as of 12/7/but I am still getting phone calls from ***This has not been a good experience at all. I was pressured about my down payment from your facility but yet when it came to my pay-off now negatively affecting my credit immensely. I came to your facility to rebuild my credit and it has done the oppositeI have been told I can dispute my credit report but I feel like I should not have to do that at allNow I feel like when I come in to refinance in year I will not be able toI also asked you to send me a copy of the response that you received from the owner and I have not received that either. Can you let me know what is the next step (i.estop payment, reissue of payment etc). C.***Elections-Clerk-Recorder*** From: *** *** [mailto:***@paul***.com] Sent: Wednesday, December 07, 2:PMTo: *** ***Subject: Re: PAYOFF CHECK - *** *** - SACRAMENTO Good Afternoon ***, I received your email earlier this week and this morning. Both times I forwarded your information to the correct people asking for status update. Thank you for your emails. I included the owner on the emails and she has respond Hopefully the issue will be resolved todayMs*** has indicated they are working on it now. Thank you so much for your patience. On Wed, Dec 7, at 8:AM, *** *** wrote:Hello ***, Any news on this yetI am still getting phone calls even though I have told them not to contact me anymore that I am not the responsible partyWe are going on months that they have not received the payoffAt what point do you folks do a stop payment, contact them again, and reissue the payment? *** is requesting a picture of the check I am not quite sure where the ball dropped but it did and in a big way. Please let me know. C.***Elections-Clerk-Recorder*** From: *** *** [mailto:***@paul***.com] Sent: Wednesday, November 30, 10:AMTo: *** ***Subject: Re: PAYOFF CHECK - *** *** - SACRAMENTO Good Morning ***! I received your email yesterday and sent a request for an update and have not heard back yet. I am sending another email right requesting statusI will let you know when I hear back. Thank you so much for you patience, I am working to get this resolved as soon as possible for you. On Tue, Nov 29, at 10:AM, *** *** wrote:Hello ***, Have you heard anything on this matter as of yet? C.***Elections-Clerk-Recorder*** From: *** *** [mailto:***@paul***.com] Sent: Tuesday, November 22, 11:AMTo: *** ***; Tom PCc: *** ***Subject: PAYOFF CHECK - *** *** - SACRAMENTO Phone# ***DOS: 10/11/2016Stk# ***VIN# ***Nissan Altima TRADE INFO:Stk# ***AVIN# ***Dodge ChargerLender: ROADLOANS/ *** I spoke to *** at *** today 11/22/2016, at approximately 10:34am She retrieved customer information and confirmed a Dodge Charger for the account. I asked if she had a business office or accounting office she could transfer me to and she said no, but she could update the customer's account information in the computer. I explained to the Rep that our mutual customer purchased a vehicle from us on 10/11/and a payoff check for customer trade was cut 10/21/and most likely sent that day or the following I confirmed with Rep the *** payoff address: *** * *** ***, Suite #100, Dallas Texas, and the amount of the payoff check for $ I asked if Roadloans and *** were owned by the same company or if they were the same entity and I was told no, that they are completely separate *** Rep said she filled out a missing payment report and will be submitting it to her accounting department. I told Rep I was awaiting a response back from our business office to confirm the tracking number and delivery

RevDex.com:
I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me
Although you are awaiting details its unfortunate that I have spend thousands in repairs when the vehicle would have still been under warrantyRequest these funds be reimbursed back to me and not lien holder as both parties failed To provide services

Dear Ms***, Thank you for sharing your experiences with Paul Blanco’s Good Car Company SacramentoWe are sorry we fell short of your expectationsI am very interested in obtaining additional information regarding your concernPlease submit any documentation related to the statements
made by our staff at the time of your saleWe will investigate the matter thoroughlyThank you for being a valued Paul Blanco’s Good Car Company Sacramento customerSincerely, *** ***Escalated Customer Service ManagerTell us why here

I am rejecting this response because:The business was never forthcoming on the most important aspect ofpurchasing a car, safetyCARFAX was the only report provided to us with aclean record and that the car was a rental. I am requesting all the documents that the dealership has disclosing that the car was in an a accident Also all the service records and work done to the vehiclePlease send them to ***; we will be needing those.I am never doing business with your dealership; you are more than welcome to pay $12,(the amount owed at the time of the accident & you may keep the car or pay the $10,to fix the vehicle the right way (i can provide estimate reports from the vehicle shop).This is a fair trade as the car should've never been soldIf ONE document was ever shown to us that this car was in an accident we would've NEVER purchased this carYour business decided to continue doing dealership fraud type of business.We are not the only people you sold a salvage car to. When the lawyer steps in i'm sure there will be plenty of other fees & damages involvedOnly thru Revdex.com we are willing to settle this way.Granted that we will notify DMV and all agencies needed aboutthe history of the car and the dealership improper sale methods. My wife was weeks pregnant at the time she was rear ended,our sons were and at the time we purchased the carYou should be ashamedfor selling unsafe vehicles and NOT disclosing they were on car accidentsYouhad put our family in danger

Good morning, Ms*** -I have unsuccessfully tried to reach you at both *** and ***.It is my understanding that the following has already been put in motion to resolve your complaint:The car was returned to the dealership.You were provided with a loaner vehicle.You are working
with Paul Blanco's Good Car Company Sacramento to gain loan approval on comparable vehicle.Thank you for allowing us to shed light on this matter It is my hope that this matter is now resolved Kind Regards,*** ***

Dear Mr***,Thank you for being a valued Paul Blanco's Good Car Company customerI have requested your file, but as our Florida location has closed, it is located in archivesI am awaiting it's deliveryThank you for your patience. Sincerely,*** ***

I am rejecting this response because:that statement is
about not having the specific documentationThe company is completely failing to state the exact date for when their company decided to no longer offer refinancing and only provided services for trading in vehicles. I signed a paper with my sales representative stating that my payment would be lowered to after I made my payments on time because I would be eligible for refinancing my loanIf I need to, I can also have a signed notarized statement from the friend that I had with me to also verify that this was not only a written form, but it was also a verbal stipulation made by the sales representative *** *** as he explained the paper to me. I still have his business card, as well as his personal cell number that he wrote on it so that I may contact him at any time if needed and this sounds like a time that he needs to contacted. The sale on March 26, at the Fulton Avebuilding before it was shut down, so please state the EXACT DATE as to when the company changed it's policy to no longer help previous customers to refinance their loansI was promised a lower payment by the sales agent of the company at the time of sale and if the statement and paper that I signed was something that the company doesn't offer or do, then that is fraudulent

Thank You for your Positive Response. This has been read by the owners, Mr and Mrs *** as well as the General Manager at Our Sacramento location. We are apologize for the handling of your purchase, there was some miscommunication on our part and we are in the process
of writing a letter to the Customer and Revdex.com.We will be sending this in the next days to the Consumer thru the Revdex.com

Dear Ms***,Thank you for sharing your experiences with Paul Blanco's Good Car Company SacramentoWe are sorry we fell short of your expectations!! I was able to pull your file using the information you provided - thank youI was able to pull the repair order history for your vehicleThere are
a total of in our systemThe first is the safety inspection as required by state lawThe second is your 2/13/visit where we reattached your rear view assemblyI have attached those documents here. If there are other repairs, please feel free to submit them to my officeAdditionally, the *** and *** reports (both signed by you at the time of purchase) provided to you reveal no prior accidents or known defaults with your vehicleFinally, if any defects are noted at the time of sale, they are noted on the DUE BILLThe DUE BILL completed at your sale (and signed by you) does not indicate any defects in the rear view mirrorNor does it mention a noise from the engineIt stands to reason that since your vehicle was purchased on 8/25/but wasn't presented for repair until 2/13/18, it is logical to assume the damage is not the responsibility of Paul Blanco's Good Car Company Sacramento. If you have additional information regarding the customer service you received, I would be very appreciativeWe take customer service very seriously and will investigate all complaintsPlease provide us with either the name or description of the employee as well as details as to what occurred. Thank you for being a valued Paul Blanco's Good Car Company customerWe truly appreciate your business. Sincerely, *** ***
Executive Assistant to CFO/VP of Operations Paul Blanco's Good Car Company Auto Group

In response to complaint # ***:Mr *** purchased his Nissan Sentra on 06/03/2012, which would have made it a current year model vehicle at that timeWhich means it was relatively fresh from the factory. But even with that knowledge we did our due diligence in that we accessed reliable and comprehensive records concerning the history and current condition of the vehicle. In the interest of transparency we shared with Mr *** the following extensive detailed records that were obtained and made available to himIncluding:CARFAX which showed no issues reportedMr *** acknowledged receipt of a copy of this doc with his signature.Autocheck which likewise reported no issues.A Used vehicle disclosure indicating the car had been a previous rental car, which was also signed by Mr ***.Adesa LA auction contract which indicated the vehicle was a prior rental.A statement of facts which addressed any frame or structural damage, which was also acknowledged by Mr ***' signature.Incidentally, a report showing that a repair had been made to the vehicle was made available to the purchaser and Mr ***'s signature shows he was very much aware of that.We also made available to him any and all internal tickets generated on this vehicle in our shop.So it is evident that Mr *** had all the information to make a well thought out purchase decision.For the safety of our customers we do a multi-point safety inspection that meets all industry standardsAnd a smog testAnd even though the vehicle was a current model year auto we performed the following miscellaneous reconditioning and peace of mind work on this vehicle before we delivered it to Mr ***Oil and filter changeReplaced tiresRotated and balanced all four tiresAdjusted rear shocks and repaired rear bumper damageRepaired rear seats Performed other miscellaneous tuneup work in addition to replacing the jack and spare tireOur employees brought this vehicle up to every standard and it was in as like-new condition as was possible when Mr *** took delivery. As we strive to do with every vehicle, we went the last mile in informing this customer as to the history and repairs that were performed since the vehicle came down the assembly lineAnd repaired or replaced every single thing that might remotely need to be replacedWhat has or has not happened to the vehicle since Mr *** took delivery, we have no real way of knowingHowever, we and Mr *** were completely aware of the history and repairs performed at the time of his purchaseAnd he had every tool available at his finger tips to make an informed buying decisionAll of which he has, documented at or around time of purchase.Thank you for allowing us to shed some light on this situation

Our vehicles are competitively priced based on actual wholesale purchase price, *** wholesale and retail lending values at the time of your purchase, and the costs to safety and smog the vehicle between acquisition from the auction and re-sale to you.With regard to your interest rate, we did not "assign this to you"Interest rates are determined solely by the lenders based on their assessment of risk given your financial standing and creditworthinessWe have no control over the interest rateAfter submitting your information to our portal to multiple lenders, we obtained an approval for you from *** ***We did not "assign" them to youWe do not hand-select the lendersWe simply look for lenders willing to finance you and in your case that lender was *** ***.While *** *** may not be willing to refinance your loan, there are many other lenders out there who you can apply to for refinancing. Unfortunately, we do not do our own refinancing, so if you want to refinance the vehicle, you will need to do that on your own. It is quite possible to re-finance after only months of timely paymentsMany of our customers have been able to do thisHowever, each case is different depending on the overall financial standing and creditworthiness of the loan applicant at the time of each loan application. This is a dynamic factor that may change constantly over time.Unfortunately, in some cases it can take more time to pay down a loan to the point where you are comfortable with the terms of trading it in for another vehicleThe more payments you make, the closer your loan payoff amount will be to the current value of the vehicle. You signed a contract agreeing to the terms of your loan and as such you are obligated to fulfill those termsWe can offer you current fair market value for your vehicle in tradeAny loan balance you still owe over and above its trade value is up to you, as that is part of your original obligation to the lender. We can attempt to get an approval from a lender who is willing to add the outstanding balance of your existing loan onto the purchase price of another vehicleHowever, the general rule of thumb from lenders on that is that they will only loan up to 125% of the vehicle's lending valueIf you would like to see if this is possible for you, we would be happy to assist you with that, if and when you are ready

Good afternoon Revdex.com and Ms***: Attached, please find our reply and supporting documents. Sincerely,*** ***

Thank you for the Additional Information. I have requested that your file from our File Room that is kept off site from Previous Years. Once I receive the File, we will look at the documentation that was presented to you at the time of sale. We will then share the information with the Revdex.com and the Consumer. The process can take up to two weeks so we ask for some time in this matter. We thank you for your time in this matter and hope to have a solution presented soon

I am rejecting this response because: I still have not received them and was told I would have pay $for replacement stickers If I bought the car July 31,and the tags expired may 2017, I should have had the correct stickers on the car when I purchased the car, why do I have to pay one penny out of my pocket for the new tagsDMV also stated that the tags were paid back in may 2017, so where are they?? Paul blanco should have to pay any and all registration cost for the vehicle not the customerI want my current tags(free)This is the car dealership issue not mine

I got a notice yesterday that this case was closed.However, in response to Mr***' comment, while he may have visited us several times, we only show two visits RECORDED in our CRMWe do use guest lists that I'm sure he may have signed in on, but I don't have those at my immediate disposal. Furthermore, verifying how many visits would not make a difference in terms of the desired outcome Mr*** seeksIf we would have been able to trade Mr*** out of his vehicle upon any of his visits with us according to favorable terms for Mr***, we would have done so.Again, we welcome Mr*** to come in again and allow us to reassess his finance options at this time.Thank you

Dear Mr*** ***:You first loan on August 15, unwound due to an incorrect APR provided by *** *** ***We noticed this, and called you called you right away to inform you that as of August 19, 2016, *** *** *** had a loan approval for the same carApproval only
lasts for a certain time frame before the customer must come in, provide the required stipulations, and sign the contractWithout these items in place and without a signed contract, customers would essentially by driving a vehicle that they do not own.We contacted you several times by phone*** ***, the Paul Blanco's Good Car Company Sacramento Finance Director, was also able to reach you through text messageTwo appointments were set, and you failed to show up to either appointment to re-contract.On August 25, 2016, via certified mail, we sent a "Notice of Rescission," rescinding the contract pursuant to the "Seller's Right to Cancel" section of the sales contractIn part, the notice stated:"By virtue of our rescission cancellation, you are now required under the terms of the contract to immediately return the vehicle to us in the same condition(...) Please be advised that you shall assume all risk of loss and damage to the vehicle (excepting reasonable wear and tear) and if you do not return the vehicle to the dealership within a reasonable time, you shall be responsible for all cost expended in recovering the vehicle including reasonable attorney's fees(...)"You did not return the vehicleOn September 19, 2016, we submitted a request to have the car repossessedThe vehicle was recovered on September 21, Again, we attempted to reach you, in order to complete the *** *** *** loan paperwork, and you failed to show up at your appointmentsYou then failed to return the vehicle that you did not have ownership of, as requested in the "Notice of Rescission," and we had to pay for repossession of the vehicle.When you arrived at Paul Blanco's Good Car Company's Corporate Office, we explained this to you and offered to pay a portion of your down paymentThis is after you had the vehicle in your possession for over daysYou declined to acceptWhen we take back a vehicle, the value has already gone down: it has increased mileage, we have to pay to re-perform maintenance checks, and in your case, we also had to pay repossession fees to recover the vehicle.We apologize for your experience with Paul Blanco's Good Car Company Sacramento, but our staff made good faith efforts to find you a new loan in a timely manner, and to contact you a new loan ina timely manner, and to contact you on multiple occasions to complete the process on the new loan.*** ***Director of Operations/CFOPaul Blanco's Good Car companySacramento, Stockton, Fresno, Bakerfield, Oakland, Inland Empire, Reno, Pinellas, Las VegasPB/aatEnclosures (2): *** *** *** Application Status, as of August 19, and the August 25, Notice of Rescission

Service has been scheduled with Mr*** via the Bureau of Automotive RepairHe has an appointment for Monday, December 18thHe will receive a loaner vehicle for the duration for his service. Sincerely, *** ***Executive Assistant to Chief Financial Officer

The violation has been paidUnfortunatly there is no reciept that FasTrak is able to email/fax over but they were able to confirm the chek was recieved 6/and provided a Transaction# ***Thank you

Ms*** came to our dealership Feb 8th, and inquired as to purchasing a pre-owned vehicleThe sales professional assisting her was ***He did a customer Interview and asked her to fill out a customer statement and she did, *** asked for identification and she produced an identification card issued by the California Division of Motor Vehicles instead of a Driver’s licenseStating that she had a license but it was at homeWe accepted her word and submitted the customer statement to a lender for credit approvalSuch approval was granted by the lender for credit on the vehicle she wished to purchase contingent upon Ms*** having valid California Driver’s license and providing insurance coverageExhibit #clearly shows the lender required a driver’s licenseThe customer again assured *** that she was a current holder of a California driver’s license so he proceeded to the next step which is to collect requited down payment on the vehicle she had selected and then go to our business office to execute a contract. After providing proof of insurance, She provided the down payment and it was put into the drop safeAnd properly receipted into the receipt bookAt that point *** told her she would have to get insurance before he could execute the contracting and deliver her the vehicleShe contacted an insurance agent but was not able to procure insuranceSo *** asked her to speak with our in house insurance specialist to attempt to gain coverage for herThe agent’s name is Alondra *** and the company is IFE insurarance/TitanUnfortunately when Ms *** filed her application on line it came back with a rejection due to Ms*** having a suspended driver’s license with the California DMVTherefore the credit approval with AFS, the lender, would not work for Ms*** as it stipulated an in force insurance policyAs an alternative we had gotten an approval with a second lender that did not require a driver’s license however that particular lender would not agree to finance the vehicle she had selectedAnd the one they did agree to provide financing on was not finished with pre-delivery and safety and would not be deliverable until the following MondayMs*** agreed to pick up the vehicle on MondayHowever on Monday she had a change of heart and wanted her deposit/down payment returned to her Which of course we agreed to as we didn’t have a dealThe salesman explained the process to Ms*** First the finance department has to void out any contract, void the deal, make sure any documents that need signatures are signed and make sure the funds in question have been accounted forThen they issue a request for refund check to corporate officeAnd customer can normally pick up the check in hours or it will be mailed, whichever is the customer prefersPlease not exhibit #Refund Check *** ***Further our Head Desk Manager and the Salesman who handled the transaction have both written and signed statements documenting the *** *** transactionExhibit number and exhibit number Thank you for your consideration of these facts and documents