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First Quality Fence Reviews (2)

Good Morning [redacted] ***- [redacted] ,? I was trying to respond to the rebuttal complaint that both you and [redacted] sent because I received more information but it wouldn’t let me respond so I am trying this avenue.? Our response below:? ·? ? ? ? ? ? ? ? ? We have made? all necessary refunds as well as waived all necessary late charges? pertaining to this members CPI.? ? I would offer a resolution to come to main office for a detailed review with our CPI resident expert and the VP of Asset Recovery as it is very difficult to ensure the member is clear on the pay history of the loan and why she is not due any other type of monies.As I read Ms [redacted] original response as well as her retort it is becoming more clear that she is expecting actual cash in hand.? This is not the way it works.? When a member fails to provide proof of sufficient insurance and has been notified via mail on multiple occasions to do so, all funds applied to CPI when paid by the member are applied directly to the members loan.? In this case an overage towards her next payment.? I have never seen or been asked to cut a check back to a member for insurance payment and overage.? On 1/27/we sent the original notice to the member advising their insurance was not in compliance and another? on 2/24/15.? On 3/17/State National placed a call to the members insurance company to which we were unsuccessful in verifying proper insurance coverage.? On 3/25/we forced placed the coverage, approximately days from the original notice sent to allow time for the member to provide proof of insurance.? On 4/13/we were able to confirm coverage on our unit but with a lien holder issue.? Right away a partial refund was givenFinally on 9/30/her insurance company provided all of the necessary information for the member to be credited total of funds.? ? ? I can state that all information once received is expedited very promptly to ensure the refunds are handled with little or no difficulty.? The dates referenced are proof this has occurred.? Not only that but we must count on the member and/or their insurance carrier to provide the correct information as we did not purchase the policy.? It took them from 1/to 9/for total resolution to the policy issues.It would be best if Ms [redacted] contacted our Insurance specialist, [redacted] , directly to review her transaction history together, as it is correct.? Ms [redacted] is also welcome to meet with her in person or her supervisor as a part of resolving this dispute.Thank you, [redacted]

We have researched the members request with our insurance services specialist and below is a timeline and explanation of all charges to the member:3/26/-The member had Collateral protection insurance premium added to her loan in the amount of $due to a lapse in her policy4/14/Partial refund of $- the payment was adjusted to $to cover the CPI for the lapse in coverage (original payment was $396.00)- She made her April and May payment at the higher amount In June she then made a $payment and at that time it did not satisfy the June payment (since payment is 444.06)7/20/15 she made another $payment and at that time it satisfied her June payment so her payment rolled the due date to July8/24/she made her July payment of $and she had money in partial pay so her date rolled to August9/17/she made a payment of $and again she had money in partial pay so this completed her Aug and Sept payment rolling her due date to Oct.9/30/She received another CPI refund in the amount of $and this completed the full CPI Refund 9/30/Her payment was adjusted back to the origianl of $and the additional monies paid were put in partial pay ($294.00) and she was still due for OctoberSince then she has made her October November and December payments and is due for January 1/20/16.So all the premium that the member made was refunded and applied to the loan There were a fue late charges due to the added CPI that we are going to reverse for her, which totals $66.75. If there are any other questions, she can contact our Insurance Services specialist, [redacted] Thank you! [redacted] VP Community Relations

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