When my wife S[redacted] was on the phone trying to resolve the issue with Dwight there was never a discussion that she said to come and pick up the jet ski and never told the other company to come and get it because she never talked to the other company only Dwight. . We were trying to settle this issue with no further actions and Dwight insisted that they would not help us even though we said we would pay the amount due and then pay the other fee ontop of next months payment. Robin the manager of the facility was super rude on the phone to me and when I tried to discuss anything with her she refused to even want to listen or even help and said that she won't do anything and to just give her the jet ski. I then went on to asking her why they kept on calling my house from 8am til 9-10pm at night and even calling my work and my cell phone. She insisted they weren't calling when the lady named paulette (not sure spelling) is the one that keeps leaving the messages on our phone at home and our cell phones. When I called to get the Western Union information it was Paulette that answered the phone and confirms that she is calling from Dwight. This has been a ongoing issue with Dwight and we have tried several times this year to talk to them to discuss arrangements and to explain what is going on and why we are behind but they always tell us that they do not help and allow to pay most of the payment and then pay the rest on top of the next payment. I was also informed from Robin that she claims that she can put in the paperwork for repossesion the day after the payment is due and she doesn't have to give the 10 day grace period. I feel they should pay the $750 "fee" because the ski was never picked up and the company came to my house once saying that they are only here to make contact with us to call Dwight to settle the issue. When we did call Dwight we were told over the phone that the company was coming out to do a "check" on us to see about payment and that since we were only a month back we were ok and the ski would not be taken from us. This all happened in the begining of November and we told them what is going on. The jet ski was never taken from us at all and we have never said "come and get it" to anyone that's why we feel that us having to pay this "fee" is ridiculous. I also contacted my insurance company and told them why I needed paperwork sent to them and they told me that they should already have all of that electronically so there should be no need for it. We also do not have a history of not having insurance on the ski. We have had insurance on it since the day we bought it and even provided proof then. The only time it showed we didn't have insurance is when we couldn't pay by the date hey wanted because we got paid the next day and we even sent over papers showing it was intact. I was also informed if I didn't show them insurance it would be repossesed even though they have it electronically in their system and from DMV.
When [redacted] made his third payment to DFI for June 20, 2015, it was returned by his
bank as NSF. Since J[redacted] refused to
replace the NSF, when he made his fourth payment, it was applied to payment
number three. So, J[redacted] still owes his
July 20, 2015, payment. This means...
that
he is more than 180 days delinquent on his account. Further, he refuses to surrender the vehicle.
On
January 8, 2016, it was explained to him that since he refuses to surrender the
collateral, a civil action would be brought against him. At that time he stated
that he would be happy to explain his position to the court. J[redacted] confirms this in the next to the last
sentence in his correspondence to you.
In
[redacted] complaint, he stated that this matter started in September 2015. It actually started with his June 20, 2015,
NSF check. It continued because he did not made payment number four that was
due on July 20, 2015. Furthermore, on September 15, 2015, we received a notice
of cancellation from Drive Insurance.
This is another event of default.
The
types of letters that have been mailed to J[redacted] are:
Late notices
Demand letters
Requests for proof of insurance
letters
On November 4, 2015, S[redacted]nformed
us that she would send a Western Union payment in the amount of $409.42 by the
end of that week which would have been November 6, 2015. We did not receive
that payment.
As of November 16, 2015, because the
Western Union had not been...
received, the repossession assignment was closed and
the account was placed with a different firm to attempt to obtain the vehicle.
On November 17, 2015, [redacted]
informed the second company that she would allow the vehicle to be picked up.
On November 18, 2015, [redacted] called us
and he was informed that he must pay the delinquent payment plus the fees that
were due as a result of the broken promise. When it was explained to [redacted]hat once the vehicle was repossessed, he would be given 20 days to bring the
account current, plus, if he asked for it, a 10-day extension, he hung up the
phone. Because there has been a history
of canceled insurance, a request was made to provide proof that the insurance
policy is still in force.
Over a span of the past 28 months, nine
letters, notifying [redacted] of a delinquency status, have been mailed to them.
Additionally, between September 29 and October 15, 2015, four messages were
left on their tape machine asking them to call us. Not one call was
returned until November 4, 2015, when [redacted] called and made the promise to
pay. If [redacted] had kept her November 4, 2015, promise to pay, or at
least notified us of a different, acceptable, arrangement before November 16,
2015, the account would not have reached this level. Because they broke the
November 4, 2015, promise to pay, additional fees have been incurred to obtain
the collateral and [redacted] wants us to pay those fees for him.
After the section above was prepared, on
November 19, 2015, a Western Union payment was received that paid the
delinquent payment and the fees due to the two firms. [redacted] and [redacted] also provided proof of
insurance.
When my wife S[redacted] was on the phone trying to resolve the issue with Dwight there was never a discussion that she said to come and pick up the jet ski and never told the other company to come and get it because she never talked to the other company only Dwight. . We were trying to settle this issue with no further actions and Dwight insisted that they would not help us even though we said we would pay the amount due and then pay the other fee ontop of next months payment. Robin the manager of the facility was super rude on the phone to me and when I tried to discuss anything with her she refused to even want to listen or even help and said that she won't do anything and to just give her the jet ski. I then went on to asking her why they kept on calling my house from 8am til 9-10pm at night and even calling my work and my cell phone. She insisted they weren't calling when the lady named paulette (not sure spelling) is the one that keeps leaving the messages on our phone at home and our cell phones. When I called to get the Western Union information it was Paulette that answered the phone and confirms that she is calling from Dwight. This has been a ongoing issue with Dwight and we have tried several times this year to talk to them to discuss arrangements and to explain what is going on and why we are behind but they always tell us that they do not help and allow to pay most of the payment and then pay the rest on top of the next payment. I was also informed from Robin that she claims that she can put in the paperwork for repossesion the day after the payment is due and she doesn't have to give the 10 day grace period. I feel they should pay the $750 "fee" because the ski was never picked up and the company came to my house once saying that they are only here to make contact with us to call Dwight to settle the issue. When we did call Dwight we were told over the phone that the company was coming out to do a "check" on us to see about payment and that since we were only a month back we were ok and the ski would not be taken from us. This all happened in the begining of November and we told them what is going on. The jet ski was never taken from us at all and we have never said "come and get it" to anyone that's why we feel that us having to pay this "fee" is ridiculous. I also contacted my insurance company and told them why I needed paperwork sent to them and they told me that they should already have all of that electronically so there should be no need for it. We also do not have a history of not having insurance on the ski. We have had insurance on it since the day we bought it and even provided proof then. The only time it showed we didn't have insurance is when we couldn't pay by the date hey wanted because we got paid the next day and we even sent over papers showing it was intact. I was also informed if I didn't show them insurance it would be repossesed even though they have it electronically in their system and from DMV.
When [redacted] made his third payment to DFI for June 20, 2015, it was returned by his
bank as NSF. Since J[redacted] refused to
replace the NSF, when he made his fourth payment, it was applied to payment
number three. So, J[redacted] still owes his
July 20, 2015, payment. This means...
that
he is more than 180 days delinquent on his account. Further, he refuses to surrender the vehicle.
On
January 8, 2016, it was explained to him that since he refuses to surrender the
collateral, a civil action would be brought against him. At that time he stated
that he would be happy to explain his position to the court. J[redacted] confirms this in the next to the last
sentence in his correspondence to you.
In
[redacted] complaint, he stated that this matter started in September 2015. It actually started with his June 20, 2015,
NSF check. It continued because he did not made payment number four that was
due on July 20, 2015. Furthermore, on September 15, 2015, we received a notice
of cancellation from Drive Insurance.
This is another event of default.
The
types of letters that have been mailed to J[redacted] are:
Late notices
Demand letters
Requests for proof of insurance
letters
On November 4, 2015, S[redacted]nformed
us that she would send a Western Union payment in the amount of $409.42 by the
end of that week which would have been November 6, 2015. We did not receive
that payment.
As of November 16, 2015, because the
Western Union had not been...
received, the repossession assignment was closed and
the account was placed with a different firm to attempt to obtain the vehicle.
On November 17, 2015, [redacted]
informed the second company that she would allow the vehicle to be picked up.
On November 18, 2015, [redacted] called us
and he was informed that he must pay the delinquent payment plus the fees that
were due as a result of the broken promise. When it was explained to [redacted]hat once the vehicle was repossessed, he would be given 20 days to bring the
account current, plus, if he asked for it, a 10-day extension, he hung up the
phone. Because there has been a history
of canceled insurance, a request was made to provide proof that the insurance
policy is still in force.
Over a span of the past 28 months, nine
letters, notifying [redacted] of a delinquency status, have been mailed to them.
Additionally, between September 29 and October 15, 2015, four messages were
left on their tape machine asking them to call us. Not one call was
returned until November 4, 2015, when [redacted] called and made the promise to
pay. If [redacted] had kept her November 4, 2015, promise to pay, or at
least notified us of a different, acceptable, arrangement before November 16,
2015, the account would not have reached this level. Because they broke the
November 4, 2015, promise to pay, additional fees have been incurred to obtain
the collateral and [redacted] wants us to pay those fees for him.
After the section above was prepared, on
November 19, 2015, a Western Union payment was received that paid the
delinquent payment and the fees due to the two firms. [redacted] and [redacted] also provided proof of
insurance.