Brandon Stafford Law

We'd like to thank Mr [redacted] for forwarding his concerns to our office Mr [redacted] recently received a letter from MBC Investments, LLC He also received a letter from MBC Investments, LLC on August 17, stating his loan had been sold by Carmel Financial Mr [redacted] obtained a loan through Carmel Financial for a water treatment system in I have attached the contract and credit application for his review Mr [redacted] states he contacted our office three times and spoke with a representative Unfortunately we have no record of this If Mr [redacted] would like to discuss further we recommend he contact the appropriate department at [redacted] *** Thank you Katie [redacted] AVP - Compliance [redacted]

This communication is in response to Mr [redacted] ' complaint filed on November 23, We take complaints seriously and have conducted a full investigation in to Mr [redacted] file We offer the following findings Mr [redacted] states he financed a water treatment system through Aqua Finance, Incin This is incorrect; Mr [redacted] loan was financed through [redacted] in December and was subsequently sold to MBC Investments, LLC in July I have attached the supporting documents that show Mr [redacted] was notified that his loan was sold on August 8, along with copies of his signed loan documents MBC Investments, LLC cannot attest to Mr [redacted] attempting to make arrangements with [redacted] , however according to the account history, numerous attempts to contact Mr [redacted] were made by phone and mail The UCC Fixture Filing Lien Mr [redacted] refers to in his complaint was filed by [redacted] in December MBC Investments, LLC is sensitive to Mr [redacted] financial hardship and has options to assist him If he would like to arrange for repayment, he may contact our office at ###-###-#### extension *** Thank youKatie [redacted] AVP - Compliance [redacted]

Aqua Finance, Incis in receipt of the rebuttal filed by Mr [redacted] We erroneously used the wrong name in the previous response, but all statements remain the same I have attached the documentation that was sent to him in along with the letter that he sent to our office Aqua Finance, Incmaintains its position that this is a valid loan and Mr [redacted] 's name will remain on the contract If he has questions, he may call or email me directly at ###-###-#### ext***Katie [redacted] AVP - Compliance [redacted]

Aqua Finance, Incand MBC Investments, LLC are in receipt of the complaint filed by Mr***. We maintain the position that Mr*** is responsible for this loan based on the circumstances surrounding the co-applicant's bankruptcy filing. If Mr*** has questions regarding how
a Chapter bankruptcy works with an ex-spouse in his state, we recommend he contact an attorney. We have provided Mr*** with documentation regarding the outstanding loan in September and October of 2015. On February 9, we spoke with a representative from a Credit Agency asking if arrangements could be made on the loan and we state that we would be happy to work with Mr*** on a repayment program. If he has any further questions, he may contact our office at ###-###-####. Thank you. Katie ***AVP - Compliance***

We would like to thank Ms*** for forwarding her concerns to our attention MBC Investments, LLC purchased this debt from *** *** on July 21, I have included all of the documents signed by Ms*** along with a statement of account If Ms*** has any
further questions regarding the validity of her debt, she may contact me directly at ###-###-#### ext*** Thank you.Katie ***MBC Investments, LLC***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Why should I pay anything when the company that you back does not honor their service by repairing the system when I tried to get them hereThe system does not work, would you pay for a system that is just taking up space, no you wouldn't, which is why I want it removedI will not take this to social media, and we can go back and fourth with this through this channel and you will get the same response from me each time
Regards,
Mark ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]To whom this may concern,After looking over the documents that I received I still see nothing regarding the matter at hand. Until several months ago I had never heard of this company and check and open my mail daily. Had I seen this before I would have began investigating it much sooner. However at this time I feel that I need to look back further into this matter and will be contacting them directly as soon as I can obtain more information
Regards,
Christopher ***

MBC Investments, LLC is in receipt of the complaint filed by Mr*** We hope to provide clarity and bring closure to this matter Mr*** states that because this trade has been removed from his credit, that the lien should be removed That is unfortunately not the case
A UCC Fixture filing lien was initially filed when the loan was obtained in This lien can be renewed every four years until the lien is satisfied MBC Investments, LLC is within its rights to enforce the lien Mr*** may contact our office to arrange payment in exchange for a full release at ###-###-#### Thank you. Katie ***AVP - Compliance ***

This communication is in response to Mr. [redacted]' complaint  filed on November 23, 2017.  We take complaints seriously and have conducted a full investigation in to Mr. [redacted] file.  We offer the following findings.  Mr. [redacted] states he financed a water treatment system...

through Aqua Finance, Inc. in 2009.  This is incorrect;  Mr. [redacted] loan was financed through [redacted] in December 2009 and was subsequently sold to MBC Investments, LLC in July 2017.  I have attached the supporting documents that show Mr. [redacted] was notified that his loan was sold on August 8, 2016 along with copies of his signed loan documents.   MBC Investments, LLC cannot attest to Mr. [redacted] attempting to make arrangements with [redacted], however according to the account history, numerous attempts to contact Mr. [redacted] were made by phone and mail.  The UCC Fixture Filing Lien Mr. [redacted] refers to in his complaint was filed by [redacted] in December 2009.  MBC Investments, LLC is sensitive to Mr. [redacted] financial hardship and has options to assist him.  If he would like to arrange for repayment, he may contact our office at ###-###-#### extension [redacted].  Thank you. Katie [redacted]AVP - Compliance[redacted]

We'd like to thank Mr. [redacted] for forwarding his concerns to our office.   Mr. [redacted] recently received a letter from MBC Investments, LLC.  He also received a letter from MBC Investments, LLC on August 17, 2016 stating his loan had been sold by Carmel Financial.   Mr. [redacted] obtained...

a loan through Carmel Financial for a water treatment system in 2006.  I have attached the contract and credit application for his review.   Mr. [redacted] states he contacted our office three times and spoke with a representative.  Unfortunately we have no record of this.  If Mr. [redacted] would like to discuss further we recommend he contact the appropriate department at [redacted].  Thank you.   Katie [redacted]AVP - Compliance[redacted]

Mr. [redacted], MBC Investments, LLC will not remove the UCC Fixture Filing Lien without payment.  When the lien was filed it is attached to the home.  We empathize with your frustrations which is why we are willing to negotiate a manageable amount with you to satisfy the lien.  If you are interested in doing this, please contact me at ###-###-#### extension [redacted].  Thank you.  Katie [redacted]AVP - Compliance

We are in receipt of Mr. [redacted]'s complaint stating the product was returned.   Unfortunately we show no record of the Water Treatment System being returned.  Our records show that Mr. [redacted] purchased the water treatment system in November of 2006.  His last payment was made...

December 7, 2009.   MBC Investments, LLC purchased this account from Carmel Financial in July 2016 and the last conversation we show with Mr. [redacted] was with Carmel Financial on May 13, 2010.  At that time he stated that he had lost his job and was unable to make further payments.  No contact was made with Mr. [redacted] since then and we have no documentation to support the water treatment system being returned.   If Mr. [redacted] has proof of this, we kindly ask that he forward the supporting documentation and we will review in detail.  If he has any questions he is welcome to contact our office at [redacted]  Thank you. Katie [redacted]AVP - Compliance[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
The document that the company provided shows that I signed for a joint debt, which I myself previously stated. Said debt was included in a bankruptcy. I have correspondence between my ex-wife and the company. In that correspondence the company said that they would be retrieving the water system from the home and the debt would be cancelled. The company closed the account (which was joint) and reopened opened it with solely my name on it. The company continues to add, if I have any questions to call. I have called and left a message, with no return phone call. My complaint remains. This company uses poor business tactics. As far as the contract is concerned, I will take legal action.
Regards,
Derrick [redacted]

Aqua Finance, Inc. is in receipt of the rebuttal filed by Mr. [redacted].  We erroneously used the wrong name in the previous response, but all statements remain the same.  I have attached the documentation that was sent to him in 2015 along with the letter that he sent to our office.   Aqua Finance, Inc. maintains its position that this is a valid loan and Mr. [redacted]'s name will remain on the contract.  If he has questions, he may call or email me directly at ###-###-#### ext. [redacted]. Katie [redacted]AVP - Compliance[redacted]