Barclay Square Leasing

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
When this contract was signed I do not believe the cost of the service and what was required to terminate the contract was fully disclosed to the doctor. I am contacting my attorney.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

The leassee [redacted] contacted our office on 04/**/2014 stating that he would make payment.  We received a signed request from the lessee for a copy of the lease agreement which was submitted via fax on 05/**/2014 to ###-###-####.  The terms & conditions of the lease clearly...

states:
[redacted]  [redacted]  [redacted]  [redacted]
[redacted]  [redacted]
[redacted]  [redacted]
The past due amount is due in full with the return of the equipment, or the past due amount plus the buy-out if the lessee wishes to keep the equipment.  The lessee [redacted] may contact our office at ###-###-#### to resolve this matter.

Review: [redacted]. leased credit card devise from Barclay. However, February 2011 the company switched ownership. April 2011, an attempt to close out account due to non usage and ownership change. [redacted] contacted Barclay and was advised, since not previously on account that information could not be accepted. Therefore our banking representative from [redacted] called advising of business changes and to cancel automatic draft. She was told primary account holder of account had to call. At the time we did not have 16 digit account number and it would need to be referred to by company name. Tried to find out what the devise looked like because [redacted] had never seen it. Contacted previous partner, [redacted], whom was over credit card information. He advised, that he did not know location of credit card devise. Due to Barclay not corporating regarding account information, payment proceeded to be drafted each month. Spoke with bank advisor again, June *, 2013, regarding options to stop payment on device that has not been in our possession since ownership change. Barclay continued to receive monthly draft payment ($24.35). I would think a credit card leasing company should be able to monitor usage of credit card machine. Needless to say, we received a letter 07/**/2013 regarding $219.35 in debt (note: first time to have account number since ownership) threatening our credit AFTER a Stop Pay was placed on the Account (June *, 2013) after two years. Currently received letter (Nov. *, 2013) from C C A collection company regarding debt of Barclay for $510.17.Desired Settlement: I feel Barclay has evenly received the reimbursement of check card device over the past two years of Automatic Debit of $24.35. Needless to say, the device was NEVER used or in ownership possession. Realistically during that time if Barclay analyzed the account, it would notice on reports that no transactions have occurred. If transactions did occur, then please advice because they would be fraudalant transactions.

[redacted] Account Drafted after attempt to resolve issue, due to ownership change. April 2011..... June *,2013 (26 months)

$24.35 X 26 = $633.10

Based on [redacted]'s attempt to resolve debt upon business ownership changes, Barclay feel should dismiss debt and company credit should not be jeopardized. Consideration of reimbursement should be reviewed, due to draft payment continued to be processed and customer service would not accept speaking to anyone except original owner. [redacted], Inc. paid out additional $633.10 to Barclay until final accommodations were completed for Stop Payment.

Business

Response:

Barclay Square Leasing provides leasing for credit card equipment. We do not provide credit card processing services, and therefore do not monitor the usage of the equipment being leased by our lessors. On 06/**/2011 a [redacted] contacted our office from the phone number ###-###-####, and wanted to close they account. She was advised that they would have to return the equipment or pay the end of lease buy-out to satisfy the terms of the Non-Cancelable Equipment lease agreement. She said she has to verify with her husband and would get back to us. Barclay Square Leasing did not receive any further correspondence. [redacted] is the personal guarantor on this lease, not [redacted].

As stated in their complaint, it says Barclay Square Leasing was contacted on 04/2011 which is inaccurate. The complainant could have contacted their credit card processing company which is a separate entity, and is not affiliated with Barclay Square Leasing. We have no communication on file from a banking representative from [redacted]. Again, this communication was more than likely with their credit card processing company whom can monitor the usage of the equipemnt. Barclay Square Leasing does not have 16 digit account numbers. Our lease number sequences are in the following number format only [redacted]. This is another indication that this communication was probably done with their credit card processing company. The lease number for [redacted] is [redacted] not a 16 digit account number.

The lessee stopped payment on their 07/**/2013 regularly scheduled monthly lease payment. They were sent a delinquent notice on 07/**/2013. After no response written or verbally, this account has been forwarded to a collection agency for payment on 11/**/2013. At this time the lessee owes $488.88 and must deal directly with the collection agency Commercial Collections of America of which they received notice from.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

In response to Barclay's comments I disagree with the remarks remitted. As a business and previous experience in customer service, I apologize for not elaborating in full detail regarding the business matters of [redacted]. As stated in previous response, [redacted] switched ownership, February 2011. In complaint I did not input actual contact names, due to Revdex.com states on website " PLEASE DO NOT INCLUDE ANY UNNECESSARY PERSONALLY IDENTIFIABLE INFORMATION (such as social security numbers, birth dates, etc.) IN DESCRIBING THE NATURE OF YOUR COMPLAINT". The previous owners of [redacted] were [redacted] and [redacted] of [redacted] was over credit card processing. As to Barclay's response, I feel all situations were not considered when stating , " We have no communication on file from a banking representative from [redacted]". On April of 2011, [redacted]) took over accounting for [redacted]. After being added to business banking account, account ledger was reviewed and [redacted]) was questioned of Barclay Leasing being drafted for $24.35 on the 1st of the month. [redacted] mentioned he remembered [redacted] getting a credit card machine, but [redacted] did not have any contact or company information on Barclay Leasing. Several attempts were made to contact [redacted] and unfortunately no response to telephone or messages.

Therefore I, [redacted], personally made a Honest effort to inquire of Draft being deducted for Barclay Leasing. Due to ownership changes, I made my best judgement under the circumstances to resolve. On April of 2011, [redacted] met with [redacted] representative at the local branch, whom was familiar with current business status, for advise on obtaining contact information for Barclay Leasing. As I waited at the desk, the [redacted] reviewed the Business Bank Account and made necessary calls to [redacted] Home Office to help track a contact number associated with draft being deducted from account. Once number obtained, the representative initiated the call to Barclay Leasing from her office. Advised the nature of call and that we were trying to obtain more information about draft that is being deducted from business account. Call was put on speaker, so I could speak if needed. Customer Service Representative for Barclay was advised by [redacted] of ownership changes, but I was told since I was not on account information that it could not be provided. Therefore my efforts to resolve the matter had been denied. Again attempts were made to [redacted], but no response in regards to this matter. If we had no account number or [redacted]'s name was not mentioned, how would a proper note be able to accommodate the file?

As per Barclay, I did contact June 2011 in efforts to resolve this issue. It took a while before they located account, because I did not have account # and I explained again of ownership changes. Somehow she found the account and she did inform of amount owed if I did not have credit card device or buy out of contact. However, I was still never given original account number, because I was not on contract. Discussed with [redacted] and [redacted], as stated. Since we had no device and to pay out $219.35 for a debt that we can not obtain account information on was ridiculous. Barclay willing to take anyone's money but not provide account information until funds of draft were stopped.

Secondly, the 16 digit # was mistakenly typed in complaint, not an indication of any type of account. Personally had no idea of account number until letter received dated July **, 2013 after Stop Payment was issued on June *, 2013 thru [redacted] on [redacted] Banking account. [redacted] (accountant) authorized Stop Payment after discussing with Bank Representative that [redacted] has dealt with this draft long enough and funds has been collected to accommodate the loss of device.

Letter dated November *, 2013 was received and showing debt of $510.17. However, Barclay Square Leasing stated the lessee owes at this time $488.88 and must deal directly with the collection agency Commercial Collections of America of which they received notice from. A copy of complaint and letter to C C A (collection agency) was submitted certified mailed on behalf of [redacted] and [redacted] with [redacted]. However, electronic submission allows faster response. Barclay should dismiss debt, due to additional $633.10 has been paid out to Barclay Square Leasing from current owner of [redacted], whom are not associated with original lessee.

Barclay Square Leasing states and stresses [redacted] is personal guarantor on this lease. Therefore, [redacted] fully understands she did not obtain the account as stated by Barclay and is willing to submit a forwarding address and contact number for [redacted] so this matter can be presented to proper guarantor.

Review: In June of 2008 my boss, [redacted] entered into an agreement with Barclay Square Leasing. This contract was for 48 months. The Business has collected $4,050.24, just for the lease term of this contract.

(I just noticed we have been charge a loss payee fee of $ 8.39, total $402.72)

We have also paid I believe and additional $1,434.46 for the use of this check card machine, beyond the contract period.

In 2012 I was contacted by the company that was processing the payments, the man wanted to renew the contract, so I tried to find out how much we were being charged for each transaction. I never got an answer. So at that time I switched credit card companies. I was not aware that this second contract existed with the company that owned the credit card machine.

Several months ago the doctor was reviewing his business credit card and saw the recurring payment being taken from his account. He could not determine who was taking the funds from his account. He even contacted the bank to see if they could determine who was taking the funds. When even the bank could not determine who was drawing on the account he stopped payment of the ACH .

On 4/**/2014 we received a letter from Barclay Square Leasing with a bill of $827.61 for five months additional rental. In addition, they would like the machine back, I was unaware that they owned it, it has been disposed of.

It seems to me that they have been paid many times over for the equipment. I also find it hard to believe that the equipment is not obsolete it was given to us in 2008. I was not involved with the set up of this contract and never would have agreed to sign it.Desired Settlement: Barclay Square Leasing has been compensated many times over for the use of this equipment. I want the account closed and marked as paid in full.

Business

Response:

The leassee [redacted] contacted our office on 04/**/2014 stating that he would make payment. We received a signed request from the lessee for a copy of the lease agreement which was submitted via fax on 05/**/2014 to ###-###-####. The terms & conditions of the lease clearly states:

The past due amount is due in full with the return of the equipment, or the past due amount plus the buy-out if the lessee wishes to keep the equipment. The lessee [redacted] may contact our office at ###-###-#### to resolve this matter.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

When this contract was signed I do not believe the cost of the service and what was required to terminate the contract was fully disclosed to the doctor. I am contacting my attorney.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,