Future Income Payments

Before you sell do the math on what you pay back and ask yourself is that fair at over percent your locking in a long-term contractThis company needs Government regulation and they will not answer any phone calks not recommended class action lawsuit needed

I think this company did a great job getting the application process going as quickly as possibleI truly believe it is solely up to the individual who is applying for this app for it to go smoothly as possible

Dear Ms***, We are in receipt of your letter referencing Complaint ID [redacted] (“Complaint”)A copy is attached for referenceMr [redacted] (“Seller”) makes reference to having a loan with us and having read information about us that indicates the company has been charging unfair interest and fees on loansWe do not agree with these statements as we believe there is a misunderstanding of the nature and form of the agreement Mr [redacted] entered into with usPlease be assured, there was no intent to mislead or provide information to Mr [redacted] at any time during the initial process or while the agreement has been in placeFuture Income Payments, LLC, previously known as Pensions, Annuities and Settlements, LLC, purchased a set amount of the income stream generated by the Seller’s pension for a current lump-sum payment of cashThis transaction is virtually identical to the sale of a stream of annuity payments from the settlement of a lawsuit in a structured settlement; but, instead of the cash flows coming from an annuity, the Seller utilized their future pension paymentsDue to these facts, these transactions are not viewed as loans and do not contain an interest rate factorThere is currently no licensure requirement to perform these types of transactions and they are valid and enforceableSection of the agreement the Seller executed is entitled “Purchase Price Less than Value of Purchased Asset; Fair Consideration,” and explicitly states that “the Purchase Price is significantly less than the sum the Seller would receive during the Term if the Seller chose not to sell the Purchased Asset under the terms of this Agreement.” Additionally, Exhibit C, Disclosure Noto the Agreement is entitled “Acknowledgement of Discount,” and contains the following disclosure in all capitals, bold and underline: “SELLER WILL RECEIVE SUSTANTIALLY LESS MONEY THAN IF SELLER WERE TO RETAIN THE PERIODIC PAYMENTS COMPRISING THE PURCHASED_ASSET.” Disclosure Nothen goes on to specifically State the lump sum purchase price the Seller is receiving, the total amount of payments the Seller would have received if they had not sold their future income stream, and the difference between those two amountsWe empathize with Mr [redacted] and wish to resolve any continued misunderstandings as to the form and nature of the agreement he entered intoWe would appreciate Mr [redacted] letting us know if he would like us to refer this matter to our legal counsel for further follow up Sincerely, [redacted] ***, President

VIA EMAILMarch 9, 2015Ms [redacted] **Viewridge Avenue, Suite 200San Diego, CA 92123-1688Re: Complaint ID [redacted] ***Dear Ms**,We are in receipt of your email referencing Complaint ID [redacted] ("Complaint")A copy isattached for reference.We apologize for any inconvenience we have caused Ms***Ms [redacted] makes reference to herdiscussions with representatives regarding the delay/miscommunication related to receiving thecash advance funds she had contracted to receiveWe acknowledge and agree to these facts asstatedPlease know that there was never any intent to mislead or provide information toMs***.We at Future Income Payments, LLC ("FIP") attempt to provide outstanding customer service toevery person we deal withThis was obviously not the case with Ms***, who did not receivethe level of service that we want for our customersIn this case, we will review the variouscommunications and call logs at our disposal and use this information to provide further trainingto all our representatives in order to avoid a recurrence of this unfortunate situation.Our Company strives to have customers funded as quickly as possible, which can occur withinthree business days from when all the supporting documents are receivedThis assumes all thedocuments are in good order and there are no items that require further clarificationThere is nota contractual stipulation that funding will occur within three business daysUnfortunately, thecase of Ms [redacted] was one such instance where we were unable to meet our goal, due in part toconfusion by us, availability of matching funds, and miscommunication of the proper timing ofI events to Ms***.Based on review of current information, it appears Ms [redacted] was funded by our partner onFebruary 23, Based on this funding date, Ms [redacted] should have had access to the cashadvance funds no later than February 26, This delay in access to the funds is due tobanking rules and regulations related to ACH transfers and are out of our control.We sincerely apologize for any inconvenience the delay has caused Ms***We will use thisexperience to improve our customer service and procedures in order to hopefully prevent thisfrom happening in the future.Sincerely, [redacted] ***, President

We are in receipt of your letter referencing Complaint ID [redacted] (“Complaint”)A copy is attached for referenceWe apologize for the inconvenience we have caused Mr***Mr [redacted] makes reference to speaking with one of our customer service representatives inquiring specifically about an early payoff, and states he was informed that there would not be a penalty and that he could pay off the amount earlyMr [redacted] also states he was told not to worry and feels “hoodwinked” even after questioning the contract agreement with the customer service representativeMr [redacted] would like to terminate all business with Future Income Payments, LLC, and only pay back the amount he was funded and without any early termination feesWe acknowledge these statements given by Mr***, but please be assured, there was no intent to mislead or provide information to Mr [redacted] during these communicationsUpon review of various communications and call logs at our disposal related to Mr***, we determined that Mr [redacted] did inquire about an early payoff and computations were made by our customer service representativeMr [redacted] informed the customer service representative that the payoff amount was too high and it was not what he had been told from our Sales DepartmentWhile gathering information for this response, our customer service representative was in discussions with Mr [redacted] that he signed an agreement to these terms but he could negotiate for a lower payoff in the futureSince Mr [redacted] has not reached his second installment yet, it is possible for Mr [redacted] to return the funds to Future Income Payments, LLC, along with an additional $for the sthat was initially waived for Mr***, and the business agreement will then be terminatedAs of April 11th, 2016, our Collections Department had made contact with Mr [redacted] and was able to reach an agreement with Mr***We empathize with Mr [redacted] and feel we have resolved the issue, but we would appreciate Mr [redacted] letting us know if there are any other issues we may be able to assist him withSincerely, [redacted] ***, President

My experience with this company was very professionalEveryone that I communicated with was extremely courteous and willing to provide informationThe process was lengthy and somewhat over taxing, but the end result was worth it!

April 4, 2015Ms [redacted] Re: Complaint ID [redacted] [redacted] [redacted] *** [redacted] ***Dear Ms***,We are in receipt of your letter referencing Complaint ID [redacted] ("Complaint")A copy isattached for reference.Mr [redacted] makes reference to his starting the process to receive a cash advance on February 20,and as of Aprill, he had not been fundedHe also makes reference to wanting to cancelthe transaction and to have all the documents returned to himWe acknowledge and agree to thesefacts as stated.We at Future Income Payments, LLC ("FIP") operate as a financial services company providingthe opportunity for holders of pensions, annuities or other reliable cash flow streams ("Sellers") tosell a portion of those cash flows to interested purchasers of the cash flow streams ("Buyers") at adiscotmt, in order to receive a lump sum of cashIn this case, jt appears that the Buyer funds tomatch to his transaction did not become available within the time frame he was quoted during thecontract processWe will review the various communications and call logs at our disposal anduse this information to provide further training to all our representatives in order to avoid arecurrence of this w1fortunate situationWe sincerely apologize to Mr [redacted] for not beingclearer in our communications as to what was causing the delay and to provide a more accmateestimate of when his funding would occur.In addition, Mr [redacted] has requested that his paperwork be returned to himAll documentsreceived from the Seller is done so electronically through email or faxWe receive no originaldocuments from the SellerIn order to honor Mr [redacted] 's request, we have deleted all electronicversions of documents associated with this transaction from our systemsThis will include thecontract as well as any documents Mr [redacted] had sent to us.Again, we apologize to Mr [redacted] for our substandard performance and we will work to improvethe customer experience in an effort to avoid any recurrence of this unfortunate situation.Sincerely, [redacted] ***, President

Dear Ms*** 5pt;">We are in receipt of your letter referencing Complaint ID [redacted] (“Complaint)A copy is attached for referenceWe apologize for the inconvenience we have caused Mrs [redacted] Mrs [redacted] makes reference in her complaint that she received a loan from Future Income Payments, LLC, and has paid the entire loan back but her account is still being debited by Future Income Payments, LLCAt this time, Mrs [redacted] would like to have the recently debited money returnedWe believe there is a misunderstanding of the nature and form of the agreement Mrs [redacted] entered into with usPlease be assured, there was no intent to mislead or provide information to Mrs [redacted] at any time during the initial process or while the agreement has been in placeFuture Income Payments, LLC (FIP) purchased a set amount of the income stream generated by the Seller's pension for a current lump-sum payment of cashThis transaction is virtually identical to the sale of a stream of annuity payments from the settlement of a lawsuit in a structured settlement; but, instead of the cash flows coming from an annuity, the Seller utilized their future pension paymentsDue to these facts, these transactions are not viewed as loans and do not contain an interest rate factorSection of the agreement the Seller executed is entitled “Purchase Price Less than Value of Purchased Asset: Fair Consideration.” and explicitly states that “the Purchase Price is significantly less than the sum the Seller would receive during the Term if the Seller chose not to sell the Purchased Asset under the terms of this Agreement.” Additionally, Exhibit CDisclosure Noto the Agreement is entitled "Acknowledgement of Discount, and contains the following disclosure in all capitals, bold and underline: "SELLER WILL RECEIVE SUSTANTIALLY LESS MONEY THAN IF SELLER WERE TO RETAIN THE PERIODIC PAYMENTS COMPRISING THE PURCHASED ASSET." Disclosure Nothen goes on to specifically state the lump-sum purchase price the Seller is receiving, the total amount of payments the Seller would have received if they had not sold their future income stream, and the difference between those two amountsPer review of Mrs [redacted] 's files, her agreement is for years and as of today, there are still remaining payments that will be debited from her accountThis information was advised to Mrs [redacted] during a brief conversation that took place on August 4th, 2016, but was abruptly disconnected once this information was providedOur customer service representative tried to contact Mrs [redacted] again over the following days and was eventually told by a person who answered the phone, that the customer Service representative had the Wrong numberMany more attempts have been made to reach Mrs [redacted] but all have been unsuccessful to dateWe sincerely apologize for any confusion that has been caused and look forward to hearing from Ms [redacted] in the near future so that we can resolve any issues that there still may beSincerely, [redacted] ***, President

Everyone one was helpful when applying for the cash advanceTheir guidance and patience was comforting when taking such an importance stepEveryone from the sales representative to customer service were helpful

Dear Mr [redacted] ,We are in receipt of your letter referencing Complaint ID [redacted] (“Complaint”)A copy is attached for reference.Weapologize for the confusion we have caused Mr***Mr [redacted] makes references in his complaint that the pay-offamount is too high and that he did not sign a contractAt this time, Mr [redacted] would like to discuss a settlement with our customer service and would like a copy of this contractPlease be assured, there was no intent to mislead or provide information to Mr [redacted] at any time during the initial process or while the agreement has been in place.Section of the agreement the Seller executed is entitled “Purchase Price Less Than Value of Pension Payments, Fair Consideration,” and explicitly states that “the Purchase Price is significantly less than the value the Seller would receive during the Term if the Seller chose not to sell the Purchased Asset under the terms of this Agreement”This section goes on to state “After careful consideration, Seller has determined that the Purchase Price is fair consideration for the sale of the Purchased Asset and that Seller wishes to sell the Purchased Asset pursuant to the terms of this Agreement.”Per review of Mr***'s file, Mr [redacted] did sign a contract with FIP on August 3, The contract was not physically signed by Mr***, however, was signed through our document signing software - DocuSignMr***'s email and I.Paddresses were verified as what was used to sign his contract on August 3, A review of our call logs also indicates that Mr [redacted] has made some inquiries with our customer representative related to a settlement offer, but they have not reached a settlement.We sincerely apologize for any confusion that has been caused and look forward to hearing from Mr [redacted] in the near future so that we can amicably resolve this issue with him.Sincerely, [redacted] ***

The people I dealt with were professional and provided good feed back through each step of the processIt went very quickly

I roy [redacted] am very pleased with Future lumpsum settle on how professional they have been in helping me secure a cash advance to inhep me get ahead on some needed improvements around my home

MY EXPERICE WITH THE COMPANY WAS VERYGOOD EVERYONE TOOK THEY TIME TO HELP MEI UNDERSTAND THAT THE CASH ADVANCE WILL HELP ME PAY ON SOME IMPORTANT BILLSI AM VERY GRATEFUL FOR THAT COMPANY

I think that the customer service rep that help me with the cash advance was helpful and friendly Although I feel their interest rates are way high the money will be helpful with some last minute bills Customer service was pretty good and the staff was friendly

We are in receipt of your letter referencing Complaint ID [redacted] (“Complaint”)A copy is attached for reference.We apologize for the confusion we have caused Mr***Mr [redacted] makes reference in his complaint that Future income Payments, LLC, is involved in piracy; entrapment of seniors; misrepresentation and advertisingMr [redacted] continues to state that this lead him into believing that there was not a prepayment penalty marketing a cash advance assistance of $2,entrapment into a $16,repayment contract with his pension as collateral with a month termination cost of $4,after paying $1,Mr [redacted] claims a company representative failed to provide him any information regarding a 3rd month prepayment penalty, and when executing the contract, he had the intent and belief that he could pay-off the loan in the 3rd month with no prepayment penaltyAt this time, Mr [redacted] would like a settlement and a prepayment of $when $2,in payments has been madePlease be assured, there was no intent to mislead or provide information to Mr [redacted] at any time during the initial process or while the agreement has been in place.Future Income Payments, LLC (“FIP) purchased a set amount of the income stream generated by the Seller's pension for a current lump-sum payment of cashThis transaction is virtually identical to the sale of a stream of annuity payments from the settlement of a lawsuit in a structured settlement: but, instead of the cash flows coming from an annuity, the Seller utilized their future pension paymentsDue to these facts, these transactions are not viewed as loans and do not contain an interest rate factor.Section of the agreement the Seller executed is entitled “Purchase Price Less than Value of Pension Payments; Fair Consideration,” and explicitly states that “the Purchase Price is significantly less than the value the Seller would receive during the Term if the Seller chose not to sell the Purchased Asset under the terms of this Agreement.” Additionally, Section contains the following disclosure in all capitals, bold and underline: "SELLER HAS CAREFULLY REVIEWED THE DIFFERENCE BETWEEN THE VALUE OF THE PENSION PAYMENTS SELLERWOULD HAVE KEPT IF SELLER OLD NOT ENTER INTO THIS AGREEMENT AND THE PURCHASE PRICE THE SELLER IS RECEIVEING UNDER THE TERMS OF THIS AGREEMENT." Section then goes on to specifically state "After careful consideration, Seller has determined that the Purchase Price is fair consideration for the Sale of the Purchased Asset and that Seller wishes to sell the Purchased Asset pursuant to the terms of this Agreement.” Finally, Exhibit A, No11, 12, and go on to specifically stat the lump-sum purchase price the Seller is receiving, the total amount of payments the Seller would have received if they had not sold their future income stream, and the difference between those two amounts.Per review of Mr***'s file, we would advise Mr [redacted] to contact our Collections Department at 1-888-703-3313, and speak with a representative about the possibility of an amicable solution being reached.We sincerely apologize for any confusion that has been caused and look forward to hearing from Mr [redacted] in the near future so that we can resolve any additional issues that he may have.Sincerely, [redacted] ***, President

The best customer service there is,amazing attention to detail and was very patient with me.This cash advance will help me to finally finish my much needed dental work.Great service

People very nice to work with No hassle Very quick to respond Would recommend

This is in response to the complaint of the seller who did not receive the funding for a portion of his retirement pension on the initial promise date which was business day upon completion of the processAs of this writing, the seller was funded on 4/24/ We would like to express our sincerest apologies for the hardship that this delay has caused our seller and his familyWe have been processing a high volume of sellers which led to the imminent adjustment of the funding timeframe from business days to to weeksThere were also necessary revisions in our process to make sure that the seller would receive the exact amount that he had been approved for and the $set up fee was waived to compensate for the delay An investigation was conducted to identify any call handling opportunities on our end and learned that the representative never failed to contact the seller either by phone, e-mail or text messaging to inform him of the status of his cash advanceA manager will have contacted the seller by this time to remind him of the details of the cash advance such as the amount, monthly payment, term and first payment date We value all our sellers and appreciate any feedback that will help us improve our processes to meet their expectations and make a positive difference in their lives

VIA EMAIL***g>February 9, 2015Ms [redacted] **Viewridge Avenue, Suite 200San Diego, CA 92123-1688Re: Complaint ID [redacted] (Second Response) [redacted] ***Dear Ms**,We are in receipt of your letter referencing additional information provided by the consumer inrelation to Complaint ID [redacted] ("Complaint")A copy is attached for reference.Mr [redacted] makes reference to not wanting to receive phone calls at home and that he is stillreceiving "Robo Calls" regarding his non-paymentMr [redacted] has also requested that he bedealt with only through US Mail and that we work with him to revise his contract.As of the time Mr [redacted] submitted these additional comments to the Revdex.com, our legal council hadnot performed the due diligence requested of them at the time of his initial complaintWesincerely apologize for this matter not being addressed more timelyAs of approximatelyJanuary 28, 2015, Mr [redacted] was removed from the "Robo Call" listing and our legal counselhad been in contact with Mr [redacted] to discuss his contractPer my recent exchange with ourlegal counsel, Mr [redacted] is being very cooperative and they expect to reach an agreement in thenear futureWe appreciate Mr***'s assistance in resolving this matter in a timely manner.Sincerely, [redacted] ***, President Von Karman Avenue, Suite Irvine, CA Toll Free Number: 1-800-853-Ext# #### Fax: 1-800-886-http://www.lumpsum-settlement.com

Cash advance company has had excellent customer service throughout the whole process Would recommend Quick servic E and communication on point