Daylight Auto Finance

Initial Business Response / [redacted] (1000, 5, 2015/07/06) */ Regarding Case # [redacted] - [redacted] This vehicle was purchased March 10, (over a year ago)This was a used vehicle without a warrantyIf there were so many complaints, why keep the vehicle and continue to drive itWe feel her problem was the fact she could not keep up with her payment Ms [redacted] may have made four payments on time in the year she had the vehicle (payment history attached)Because of such a bad payment history her vehicle was repossessed once before, October With a promise to keep her accounts up to date we returned the vehicle to herBut again she did not keep her account current, it was reposed again As far as her property, everything in her vehicle was returned to her, we had a private delivery company [redacted] hand carry everything to her home address, at our expense with no storage fee or charge to her of any kind We also gave her one last opportunity to receive her vehicle back, but we needed full payoff, which was our right, which she did not have This is a simple repossession with a customer trying to get something for nothingWe are sorry for her troubles, but we gave her ample opportunity to continue to keep her vehicle As you can see in the payment history, she has been as high as days past due, starting almost from the first month she received the vehicle

Initial Business Response / [redacted] (1000, 8, 2015/08/10) */ I will attempt to break her statement down as written The only thing written in her statement that is correct is the first statement of when she purchased this vehicleHer second statement speaks upon the condition of the vehicleAll of our vehicles are safety inspected and test drove by the customerAfter that they are sold as is some with a day limited warrantiesThis is stated in all contracts and signed by the customerHer Third statement is correct; she was repossessed in April for non-payment Because we try to help our customers as much as possible, we gave her the opportunity to retrieve the vehicle but due to the fact that none of her payments were on time, we had to put conditions on the returnThat was, she had to pay one payment in advance, she had to also pay her late payments, late fee and repossession feeWhich she did, but she was also told and in writing, due to her history, we can't accept any more late payments or this vehicle will be repossessed again and if she was, she would have to pay the full balance owing before it would be returned And this is precisely what happenedShe was issued notice that she had not honored her repossession agreementShe was informed again that there no grace periods, as stated in her contract and signed by the customer, but when it appears they cannot meet their obligations we have no choice but to take possession of the vehicle The statement about her payment date changing is simply not trueWe have a signed contract; we cannot change a due date The statement regarding this letter she received is simply not trueOur letter stated we were moving, which we did but we have not closed our doors The statement about some personal level with me again is not trueShe felt because the car had some issue no one would repossess it, I told her you are simple wrong, it could beAfter repossession, we found out the only thing that was wrong with that vehicle was lack of gas As far as her attempt to make a payment, I told her the repossession order was out, she at that time was days late and I would not feel right taking her money if I could not stop the repossession orderI called her and her husband one day later to inform them that I was able to hold the company off a day, she did not answer her telephone and her husband stated he had to speak with his wife first, neither one of them called back until after the vehicle was repossessedThis is when they called cursing and making threats of which I kept on my telephoneBecause of this I had no reason to speak with them againI told them a letter would be sent stating the company's positionThis letter informed them they had ten (10) days to pay the balance in full of that vehicle would be returned to inventoryThat date expired July 23, They were also told that we would send any personal Items to their home, which we didIn that letter we also stated as per the Retail Installment Sale Contract signed by her, page of item d, "If we take the vehicle, any accessories, equipment, and replacement parts will stay with the vehicle (This statement is referring to tires, stereo wiring, etc.) and if any personal items are in the vehicle, we may store them for you at your expenses." But we paid for the delivery cost with no charge to her

Initial Business Response /* (1000, 8, 2015/08/10) */
I will attempt to break her statement down as written
The only thing written in her statement that is correct is the first statement of when she purchased this vehicle. Her second statement speaks upon the condition of the vehicle. All of our...

vehicles are safety inspected and test drove by the customer. After that they are sold as is some with a 90 day limited warranties. This is stated in all contracts and signed by the customer. Her Third statement is correct; she was repossessed in April 2014 for non-payment.
Because we try to help our customers as much as possible, we gave her the opportunity to retrieve the vehicle but due to the fact that none of her payments were on time, we had to put conditions on the return. That was, she had to pay one payment in advance, she had to also pay her late payments, late fee and repossession fee. Which she did, but she was also told and in writing, due to her history, we can't accept any more late payments or this vehicle will be repossessed again and if she was, she would have to pay the full balance owing before it would be returned.
And this is precisely what happened. She was issued notice that she had not honored her repossession agreement. She was informed again that there no grace periods, as stated in her contract and signed by the customer, but when it appears they cannot meet their obligations we have no choice but to take possession of the vehicle.
The statement about her payment date changing is simply not true. We have a signed contract; we cannot change a due date.
The statement regarding this letter she received is simply not true. Our letter stated we were moving, which we did but we have not closed our doors.
The statement about some personal level with me again is not true. She felt because the car had some issue no one would repossess it, I told her you are simple wrong, it could be. After repossession, we found out the only thing that was wrong with that vehicle was lack of gas.
As far as her attempt to make a payment, I told her the repossession order was out, she at that time was 17 days late and I would not feel right taking her money if I could not stop the repossession order. I called her and her husband one day later to inform them that I was able to hold the company off a day, she did not answer her telephone and her husband stated he had to speak with his wife first, neither one of them called back until after the vehicle was repossessed. This is when they called cursing and making threats of which I kept on my telephone. Because of this I had no reason to speak with them again. I told them a letter would be sent stating the company's position. This letter informed them they had ten (10) days to pay the balance in full of that vehicle would be returned to inventory. That date expired July 23, 2015. They were also told that we would send any personal Items to their home, which we did. In that letter we also stated as per the Retail Installment Sale Contract signed by her, page 4 of 4 item d, "If we take the vehicle, any accessories, equipment, and replacement parts will stay with the vehicle (This statement is referring to tires, stereo wiring, etc.) and if any personal items are in the vehicle, we may store them for you at your expenses." But we paid for the delivery cost with no charge to her.

Initial Business Response /* (1000, 5, 2015/07/06) */
Regarding Case # [redacted] - [redacted]
This vehicle was purchased March 10, 2014 (over a year ago). This was a used vehicle without a warranty. If there were so many complaints, why keep the vehicle and continue to drive it. We feel her...

problem was the fact she could not keep up with her payment.
Ms. [redacted] may have made four payments on time in the year she had the vehicle (payment history attached). Because of such a bad payment history her vehicle was repossessed once before, October 2014. With a promise to keep her accounts up to date we returned the vehicle to her. But again she did not keep her account current, it was reposed again.
As far as her property, everything in her vehicle was returned to her, we had a private delivery company [redacted] hand carry everything to her home address, at our expense with no storage fee or charge to her of any kind.
We also gave her one last opportunity to receive her vehicle back, but we needed full payoff, which was our right, which she did not have.
This is a simple repossession with a customer trying to get something for nothing. We are sorry for her troubles, but we gave her ample opportunity to continue to keep her vehicle.
As you can see in the payment history, she has been as high as 29 days past due, starting almost from the first month she received the vehicle.