Dear [redacted]Attached is BHFC's response to the above complaint. Please note that this complaint (ID#[redacted]) and complaint (ID#[redacted]) are one and the same issue. Please adjust your system to reflect one complaint instead of...
In response to the complaint filed with the Revdex.com on May 8, 2014, Mr. [redacted] claims [redacted] ([redacted]) resolved BHFC's problem. [redacted] did not resolve the problem. The fact that [redacted] is not able to use his home printer is not the issue. The issue is that he is was not...
able to access the [redacted] system recommended and installed by [redacted]. In fact, none of our employees were able to access the network. BHFC had to hire another company to fix the problem, BHFC feels [redacted] is not entitled to payment due to [redacted]'s failure to achieve the results promised.
Sincerely,
[redacted]
Legal Assistant
Did you receive the documents we both faxed and mailed to the Revdex.com on 9/23/14 to dispute her claims? We would be happy to send them again if necessary. We stand by those documents, nothing has changed.
The dispute was regarding the nature of the contract and lending by the company which was in a preditory nature. With a continued unauthorized auto debit from my account although my verbal authorization was intructing a cease of all auto payments because of the amount already payed. I am aware of a vehicle being a depreteating asset but for them to attempt to collect a full balance and all intrest is obsered and a clear act of preditory lending. By refusing to tettle the amonut as the value of the vehicle for payoff. Not adding all interest possible. The contract never states that all interest will become due at payoff nore is there an early payoff fee. So why does the balance increase even as payments are made on the account. To sum it up I am willing to settle free and clear with this company at the appraised value of the vehicle witch is $2000
BHFC Financial is one of he worst places to get a loan from, EVER! They never want to resolve any issues any time I have called. The only time they actually do want to talk is when they need a payment. This is a terrible company and I would NEVER recommend this place to anyone!!! I would highly suggest the Revdex.com to review this place and get them out of the business.
In response to the complain t open ed on September 1 2, 2014, by [redacted], I thorou ghl y researched her account. Fo llow ing is a summary:
[redacted] was in default of her contract (copy enclosed) w I th BHFC. Events of default:
1 ) failed...
to provide proof of fu ll coverage insurance;
2) failed to maintain the Vehicl e in good cond ition and repa ir;
3) and was habitual ly late making her payments, see attached payment history. She was over 2 months late at the time her vehi cle was repossessed.
In an email sent on 8-18-14, from [redacted], she adm itted: "The car needs a lot of work and that's why I had stopped making payments to try and get it fixed. Right now it doesn'teven start and I was trying get it to a mechan ic, its eit her the starter or a l ternator. Also, the car needs new tires, the driver side window doesn't roll down and th ere is sun spots andchopped paint basica lly all over. The a/c runs hot and 1 was told is the compressor".
BHFC sold the veh icle at auction and I 've encl osed a deficiency and demand letter that reflects the amount owed as of today's date, whi ch is $1 ,5 1 0.86. If th e deficiency is notpaid in full, or suitable arrangements made for payment of the deficiency over time, within 10 days of the date of this letter, BHFC wil l have no choice b ut to consi der its l ega loptions.
I have had an account with BHFC Financial for over 2 years now. I cannot say enough good things about this company. I had really bad credit due to a divorce. Knowing the bad credit scenario I just assume that any company I work with will have a NO TOLERANCE policy. You know no late payments, customer service people who are not wiling to work with me because I am a high risk credit customer. THAT is soooooo not the case with this company. As long as I stay in communication with me they are always willing to work with me. I really thank BHFC for helping me to improve my credit and being an awesome company! You guys rock!
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.
The whole reason I gave the car back was because of the balance and the fact they couldn't break down the $4500 and tell me what portion was fees, interest and actual balance owed. They then lowered the price to $2500 saying it was the amount believed they could get at an auction. I was never given a break down and my counter offer was refused. I feel they were just pulling numbers out of a hat because I was specifically told by manager, Bob Lee, he couldn't tell me how they got the figures that the computer just figures it out. As for the condition the car was in that I mentioned in an email, was normal ware and tare of the vehicle. I had the car since 2010 and it was always in good working condition. The car just had recently started not wanting to start and that's why I had fallen behind trying to fix the problem no one could see to pinpoint I maintained all oil changes and minor repairs as needed. The paint had faded and developed spots over the years as well, not to mention the tires were custom rims I had put on the car and it was just time to get new ones due to miles. Again I was trying to stress at the time the fact that I had reasons for falling behind and I didn't feel that $4500 or $2500 was a fair deal especially since I had paid 44 out of 48 payments already. They seem to have forgotten to mention or take in consideration that my car was torn upside down and things were stolen and also broken while in their possession, as well as my car being wrecked and severely damaged while in their possession. The bumper on the right side was ripped up from the far right all the way to the middle of the bumper and I was never told by anyone at BHFC Financial. I didn't find out till after going and seeing the car for myself. They sold the car at auction and received more than the $1300 I should have really owed so we should be even, I'm out a car and they still got paid.
Regards,
[redacted]
Dear [redacted]Attached is BHFC's response to the above complaint. Please note that this complaint (ID#[redacted]) and complaint (ID#[redacted]) are one and the same issue. Please adjust your system to reflect one complaint instead of...
two.Sincerely,[redacted]Legal Assistant
In response to the complaint filed with the Revdex.com on May 8, 2014, Mr. [redacted] claims [redacted] ([redacted]) resolved BHFC's problem. [redacted] did not resolve the problem. The fact that [redacted] is not able to use his home printer is not the issue. The issue is that he is was not...
able to access the [redacted] system recommended and installed by [redacted]. In fact, none of our employees were able to access the network. BHFC had to hire another company to fix the problem, BHFC feels [redacted] is not entitled to payment due to [redacted]'s failure to achieve the results promised.
Sincerely,
[redacted]
Legal Assistant
Did you receive the documents we both faxed and mailed to the Revdex.com on 9/23/14 to dispute her claims? We would be happy to send them again if necessary. We stand by those documents, nothing has changed.
The dispute was regarding the nature of the contract and lending by the company which was in a preditory nature. With a continued unauthorized auto debit from my account although my verbal authorization was intructing a cease of all auto payments because of the amount already payed. I am aware of a vehicle being a depreteating asset but for them to attempt to collect a full balance and all intrest is obsered and a clear act of preditory lending. By refusing to tettle the amonut as the value of the vehicle for payoff. Not adding all interest possible. The contract never states that all interest will become due at payoff nore is there an early payoff fee. So why does the balance increase even as payments are made on the account. To sum it up I am willing to settle free and clear with this company at the appraised value of the vehicle witch is $2000
BHFC Financial is one of he worst places to get a loan from, EVER! They never want to resolve any issues any time I have called. The only time they actually do want to talk is when they need a payment. This is a terrible company and I would NEVER recommend this place to anyone!!! I would highly suggest the Revdex.com to review this place and get them out of the business.
In response to the complain t open ed on September 1 2, 2014, by [redacted], I thorou ghl y researched her account. Fo llow ing is a summary:
[redacted] was in default of her contract (copy enclosed) w I th BHFC. Events of default:
1 ) failed...
to provide proof of fu ll coverage insurance;
2) failed to maintain the Vehicl e in good cond ition and repa ir;
3) and was habitual ly late making her payments, see attached payment history. She was over 2 months late at the time her vehi cle was repossessed.
In an email sent on 8-18-14, from [redacted], she adm itted: "The car needs a lot of work and that's why I had stopped making payments to try and get it fixed. Right now it doesn'teven start and I was trying get it to a mechan ic, its eit her the starter or a l ternator. Also, the car needs new tires, the driver side window doesn't roll down and th ere is sun spots andchopped paint basica lly all over. The a/c runs hot and 1 was told is the compressor".
BHFC sold the veh icle at auction and I 've encl osed a deficiency and demand letter that reflects the amount owed as of today's date, whi ch is $1 ,5 1 0.86. If th e deficiency is notpaid in full, or suitable arrangements made for payment of the deficiency over time, within 10 days of the date of this letter, BHFC wil l have no choice b ut to consi der its l ega loptions.
I have had an account with BHFC Financial for over 2 years now. I cannot say enough good things about this company. I had really bad credit due to a divorce. Knowing the bad credit scenario I just assume that any company I work with will have a NO TOLERANCE policy. You know no late payments, customer service people who are not wiling to work with me because I am a high risk credit customer. THAT is soooooo not the case with this company. As long as I stay in communication with me they are always willing to work with me. I really thank BHFC for helping me to improve my credit and being an awesome company! You guys rock!
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.
The whole reason I gave the car back was because of the balance and the fact they couldn't break down the $4500 and tell me what portion was fees, interest and actual balance owed. They then lowered the price to $2500 saying it was the amount believed they could get at an auction. I was never given a break down and my counter offer was refused. I feel they were just pulling numbers out of a hat because I was specifically told by manager, Bob Lee, he couldn't tell me how they got the figures that the computer just figures it out. As for the condition the car was in that I mentioned in an email, was normal ware and tare of the vehicle. I had the car since 2010 and it was always in good working condition. The car just had recently started not wanting to start and that's why I had fallen behind trying to fix the problem no one could see to pinpoint I maintained all oil changes and minor repairs as needed. The paint had faded and developed spots over the years as well, not to mention the tires were custom rims I had put on the car and it was just time to get new ones due to miles. Again I was trying to stress at the time the fact that I had reasons for falling behind and I didn't feel that $4500 or $2500 was a fair deal especially since I had paid 44 out of 48 payments already. They seem to have forgotten to mention or take in consideration that my car was torn upside down and things were stolen and also broken while in their possession, as well as my car being wrecked and severely damaged while in their possession. The bumper on the right side was ripped up from the far right all the way to the middle of the bumper and I was never told by anyone at BHFC Financial. I didn't find out till after going and seeing the car for myself. They sold the car at auction and received more than the $1300 I should have really owed so we should be even, I'm out a car and they still got paid.
Regards,
[redacted]