Future Income Payments

VIA EMAILMarch 10, 2015Ms*** *** *** *** *** ***
*** *** ** ***Re: Complaint ID *** ***
***
*** *** *** *** ** ***Dear Ms**,We are in receipt of your email referencing Complaint ID *** ("Complaint")A copy isattached for reference.We apologize for any inconvenience we have caused Mr***Mr*** makesreference to his discussions with several representatives regarding the delay/miscommunicationrelated to finalizing the contract and receiving the cash advance fundsWe acknowledge andagree to these facts as statedPlease know that there was never any intent to mislead or provideinformation to Mr***.We at Future Income Payments, LLC ("FIP") attempt to provide outstanding customer service toevery person we deal withThis was obviously not the case with Mr***, who did notreceive the level of service that we want for our customersIn this case, we will review thevarious communications and call logs at our disposal and use this information to provide furthertraining to all om 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 clarificationIn Mr.***'s case, it appears there were several changes made to the agreement before it could befinalizedOnce these changes were rectified and funds became available, we were able tocomplete the transaction with Mr***We apologize to Mr*** for not being clearerin our communications as to what was causing the delay and when his funding would occur.Based on review of current information, it appears Mr*** was funded by our partner onMarch 5, Based on this funding date, Mr*** should have access to the cashadvance funds no later than today, March 10, 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 Mr***We will usethis experience to improve our customer service and procedures in order to hopefully prevent thisfrom happening in the future.Sincerely,*** ***, President

Ms*** *** *** *** *** ***
*** *** ** ***
Re: Complaint ID *** *** * *** ***
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Dear Ms***,
We are in receipt of your email referencing Complaint ID *** ("Complaint")A copy isattached for referenceWe apologize for any inconvenience we have caused Ms***Ms*** makes reference to herfinalizing her contract but not receiving the cash advance within the 5-l business days quoted byour representativeWe acknowledge and agree to these facts as statedWe 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 adiscount, in order to receive a lump sum of cashIn the case of Ms***, it appears that the Buyerfunds to match to her transaction did not become available within the time frame she was quotedduring the contract processWe will review the various commtmications and call logs at ourdisposal and use this information to provide further training to all our representatives in order toavoid a recurrence of this unfortunate situationWe apologize to Ms*** for not being clearerin our communications as to what was causing the delay and when her funding would occurBased on review of current information, it appears Ms*** was funded by our prutner on April3, Based on this funding date, Ms*** should have access to the cash advance funds nolater than today, April 8, This delay in access to the funds is due to banking rules andregulations related to ACH transfers and are out of our controlWe 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 this fromhappening in the futureSincerely,
*** ***, President

I have worked with associated ***, ***, and *** on getting a cash advanceThe process was easy and the associates were very professional and efficientThe cash advance will help me get some new furniture which I desperately needThank you Future Income payments LLC

June 18, Ms*** *** *** *** *** *** *** ** ***
Re: Complaint ID *** *** ** ***
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Dear Ms***,
We are in receipt of your email referencing Complaint ID *** ("Complaint")A copy isattached for referenceWe apologize for any inconvenience we have caused Mr***Mr*** makes referenceto finalizing his contract but not receiving the cash advance within the 5-business days quotedby our representativeMr*** also mentions that as of the date of his complaint, he had notreceived the fundsWe acknowledge and agree to these facts as statedPlease be assured, therewas no intent to mislead or provide information to Mr***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 adiscount, in order to receive a lump sum of cashIn the case of Mr***, it appears that theBuyer funds needed to match to his transaction did not become available within the time frame hewas quoted during the contract processWe will review the various communications and call logsat our disposal and use this information to provide further training to all our representatives inorder to avoid a recurrence of this unfortunate situationWe apologize to Mr*** for notbeing clearer in our communications as to what was causing the delay and to provide him with amore accurate estimate of when his funding would occur.Based on review of current information, Mr*** was funded by our partner on June 10, 2015.Based on this funding date, Mr*** should have had access to the cash advance funds nolater than June 15, This delay in access to the funds is due to banking rules and regulationsrelated to ACH transfers and are out of our controlWe sincerely apologize for any inconvenience the delay has caused Mr***We will usethis experience to improve om customer service and procedures in order to hopefully prevent thisfrom happening in the futureSincerely,
*** ***, President

Needed this cash advance service for emergency The associates were very thorough and we appreciated that

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolvedI have an Attorney investergating this matter and will be going to courtAfter this matter is resolved my Attorney will contact this lender to resolve this issueMy Attorney is Mr*** *** phone # ###-###-####
Regards,
*** ***

We are in receipt of your letter referencing Complaint ID *** *“Complaint”)A
copy is attached for referenceWe apologize for the confusion we have caused Mr***Mr*** makes reference to a Future Income Payments, LLC (FIP) representatives calling him and stating that his account was behindMr*** claims he had spoken with his representative several months prior and was told that his account was up-to-dateMr*** continues to state that he had reached an agreement with another representative that if he paid the balance due on his account, he could receive a second cash advanceMr*** states that he paid the additional funds to bring his existing account up-to-date, but was then denied the second cash advance due to his creditMr*** continues to state that he is appalled as he has been with FIP for over three years and had received his first cash advance without any issues of credit being a requirement for a cash advanceAt this time, Mr*** would like FIP to send documents to all of its consumers advising the requirements of a cash advance, and still provide Mr*** with a second cash advance as recently requestedUpon review of the various communications and call logs at our disposal related to Mr***, we determined that when Mr*** initially received his first cash advance in 2013, the guideline requirements for a cash advance had different underwriting rules at that timeSince then, the underwriting guidelines continued to change and as of today, the underwriting guidelines involve several different parameters, one of which involves a review of a person's creditDue to these new underwriting guidelines, Mr*** did not qualify for the second cash advance he was requesting; and on September 1, 2016, Mr*** contacted a FIP customer service representative and was advised and educated as to why he did not qualify for the second cash advance at that timeMr*** acknowledged that he understood as to why he did not qualify for the cash advance and no further contact has been made with Mr*** since thenWe sincerely apologize for any confusion that has been caused to Mr***We welcome
Mr*** to call our customer service at; 1-800-703-3313, to clear up any additional questions he may have regarding this matterSincerely,
*** ***, President

We are in receipt of your letter referencing Complaint ID *** (“Complaint”)A copy is attached for reference.We apologize for the inconvenience we have caused Mr***Mr*** 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*** also states he was told not to worry and feels “hoodwinked” even after questioning the contract agreement with the customer service representativeMr*** 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*** during these communications.Upon review of various communications and call logs at our disposal related to Mr***, we determined that Mr*** did inquire about an early payoff and computations were made by our customer service representativeMr*** informed the customer service representative that the payoff amount was too high and it was not what he had been told from our Sales Department.While gathering information for this response, our customer service representative was in discussions with Mr*** that he signed an agreement to these terms but he could negotiate for a lower payoff in the futureSince Mr*** has not reached his second installment yet, it is possible for Mr*** 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*** and was able to reach an agreement with Mr***.We empathize with Mr*** and feel we have resolved the issue, but we would appreciate Mr*** letting us know if there are any other issues we may be able to assist him with.Sincerely,*** ***, President

I would like This company to stop harassing me with phone calls and to conduct their affairs via correspondence with me
I would like the terms of my contract redrawn to reflect an interest rate consistent with State Standards on Lending for the State of Florida which can be no
higher than 18% The current rate is 160% of the original loan or a figure close to it

I'm very happy with this company, they are very nice and patienceWill receded too others in need of help

I like to say that Future Income Payments LLC is very quick and very helpful in my application processThere promptness, courtesy and professionalism was refreshing to see as a customerExcellent customer service can be far and few but the people at Future Payments LLC that was involve in my application process is an example of what excellent customer service s all aboutThere ability to keep me updated and informed during my application process was OUTSTANDINGPeople like Mr***, MrsMars, and Mrs*** were terrific in there efforts to complete my application process in timely mannerI only wish more business that I have dealt with are of this professional caliber and excellenceThanks again and keep up the outstanding work, your diligence is greatly appreciated
Sincerely,
Chung ***

I Bobby ***, is very thankful, for the Cash Advance This will able me to payoff a great portion of my bills Everyone that I spoke with was very nice and helpful All information that was given to me was clear and concise, which made it must more understanding, and I were able to response back quickly The Courtesy that was given by each person was unbelievable, and I want to thank each and everyone I spoke to, Again Thanks

November 13,
*** *** ***
Viewridge Avenue, Suite
San Diego, CA 92123-
*** *** ** ***
*** * ***
*** *** ***
*** ** ***
Dear Ms***,
We are in receipt of your letter referencing Complaint ID
*** ("Complaint")A copy is
attached for reference
Mr*** makes reference to his discussion with a representative recently about a revised
program to receive a cash advanceDuring this conversation, after validating his personal and
financial information, he was told that the transaction could not be completed due to the fact that
he lived in the state of North CarolinaWe acknowledge and agree to these facts as stated
We sincerely apologize for any inconvenience we may have caused Mr***Our policy had
recently changed to exclude persons from the state of North Carolina but the representative did
not verify the State that Mr*** lived in prior to her communications with himThis was an
oversight on our part and we have taken steps to improve the training of our representatives in an
effort to avoid a recurrence of this unfortunate situation
In addition, Mr*** has requested that his personal and financial information be removed from
our records and that we make no further attempts to contact himWe respect Mr***'s wishes
and have deleted his information, including any documents he had sent to us, from our systems
We have also placed him on our "Do Not Call" listing so that no further communications are
attempted
Again, we apologize to Mr*** for our substandard performance and we will work to improve
the customer experience in an effort to avoid any recurrence of this unfortunate situation
Sincerely,
*** ***, President

Mr*** *** Viewridge Avenue, Suite San Diego, CA 92123-1688Re: Complaint ID *** *** *** *** *** ***, ** ***Dear Mr***.We are in receipt of your letter referencing Complaint ID *** (“Complaint”)A copy is attached for reference.We apologize
for the confusion we have caused Ms***Ms*** makes references in her complaint that she has requested an early payoff option under her own specific termsShe also states that she requested a letter in writing from our customer service representative confirming the settlement terms that she previously indicated and has not received any response backAt this time, Ms*** would like to have her settlement equal the amount that she has paid to datePlease be assured, there was no intent to mislead or provide information to Ms*** 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 AgreementThis 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 Ms***'s file, she has continued to make monthly paymentsBased on our review of her file, our customer service representative has attempted to contact Ms*** by phone and email to discuss this matter furtherAs of today, it appears Ms*** has not been available to return our calls or emails.We sincerely apologize for any confusion that has been caused and look forward to hearing from Ms*** in the near future so that we can resolve any additional issues that she may have.Sincerely,*** ***, President

I am very appreciative of all the person's I taljed too, they were very helpful, knowledgeable, and kind
I wll be using the cash advance to pay bills so that I will be able to live better

We are in receipt of your email referencing Complaint ID *** ("Complaint")A copy isattached for referenceWe apologize for any inconvenience we have caused Ms***Ms*** makesreference to her multiple discussions with representatives regarding the
delay/miscommunicationrelated to receiving the cash advance funds she had contracted to receiveMs*** alsomakes reference to her concern for the personal financial information she has provided duringthe approval processWe acknowledge and agree to these facts as stated, but please understandthat there was never any intent to deceive or provide information to Ms***.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 notreceive the level of service that we want our customers to receiveIn this case, we will reviewthe various communications and call logs at our disposal and use this information to providefurther training to all our representatives in order to avoid a recurrence of this unfortunatesituationAs to the security of Ms***'s personal information, please be assured that wekeep this information strictly confidential and do not share this information with anyone outsideof the CompanyOur 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*** was one such instance where we were unable to meet our goal, due in partto confusion by us, clarification needed on some documents received, and miscommunication ofthe proper timing of events for her to receive the funds into her bank accountBased on review of current information, it appears Ms*** was funded on January 20, 2015and should have had access to the funds no later than January 23, This delay in access tothe funds is due to banking rules and regulations related to ACH transfers and are out of ourcontrolWe sincerely apologize for any inconvenience the delay has caused Ms***We will usethis experience to improve our customer service and procedures in order to hopefully prevent thisfrom happening in the future
Sincerely,
*** *** President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
[I have been in constant contact with *** *** and yes, we agreed on a payment resolution, however, I asked for the agreement in writing He sent me an email and days later I received a letter in the physical mailbox from the company different from the terms of our agreement I refuse to stay in contact with *** He is the harasser You still have not explained to me how charging $25,000+ is not excessive for a $10,loan and not abuse of a disabled veteran's income How is this not interest?]
Regards,
*** ***

Dear Ms***,
5pt;">
We are in receipt of your letter referencing Complaint ID *** (“Complaint”)A copy is attached for reference
Mr*** (“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*** entered into with usPlease be assured, there was no intent to mislead or provide information to Mr*** at any time during the initial process or while the agreement has been in place
Future 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 enforceable
Section 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 amounts
We empathize with Mr*** and wish to resolve any continued misunderstandings as to the form and nature of the agreement he entered intoWe would appreciate Mr*** letting us know if he would like us to refer this matter to our legal counsel for further follow up
Sincerely,
*** ***, President

We are in receipt of your letter referencing Complaint ID *** ("Complaint")A copyis attached for referenceWe apologize for the confusion we have caused Mr***Mr*** makesreference to being called by Future Income Payments, LLC ("FIP"), on a daily basis and
states thathe does not have nor ever had a contract with FIP, and is receiving unwanted callsMr***also states that the calls are coming from a specific phone number~ 1-800-239-9688, at all hoursof the day and evening, and that the calls are very disturbingAt this time, Mr*** wouldlike all calls to end immediately.Upon review of the communications and call logs at our disposal related to Mr***,we determined that Mr*** does in fact have a contract with FIP that was executed andsigned by Mr*** on May 26th, Mr*** was then funded the following day,May 27th, FIP has only received the first payment due from Mr*** in July 2016, butno other payments have been received as of todayWe have also determined that Mr***did not receive any phone calls from FIP that are outside of his states' legal calling time of 8:OOamto 9:00pmMr*** contacted FIP on August 4th, and spoke with a customer servicerepresentative stating his account had been automatically deducted and he did not know thecompany that made the withdrawalThe representative tried to verify Mr*** by his SSN
but he refused to complyMr*** continued to tell the representative that he never signed acontract, was never funded and he had spoken to his bank about filing a police report because hebelieves what FIP was trying to do was fraudAfter that was said, Mr*** huon therepresentative without any further resolutionOn August 8, a customer servicerepresentative contacted Mr*** and again he refused to provide information to verify hisaccount but did agree to receive an email from the representative explaining what the call wasabout; no response from Mr*** has been receivedOur customer service representativeshave sent Mr***'s contract to him via mail and email, and after several months ofattempting to contact Mr*** via phone, mail and email, Mr*** still claims that hedoes not have a contract with FIP and will not make any paymentsMr*** also refuses tosubmit proof that he was never funded nor proof he filed a police report in which he claims duringa previous phone call with a representative on November 14t11, At this time, we have coordinated with our Collections Manager to seek legal advice fromour legal department as to what course of action to take with Mr***We would appreciate
if Mr*** would contact our customer service department in order to resolve this issue at,

Ms[redacted]
Re: Complaint ID [redacted]
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Dear Ms[redacted],
We are in receipt of your email referencing Complaint ID [redacted] ("Complaint")A copy isattached for referenceWe apologize for any inconvenience we have caused Mr[redacted]Mr[redacted] makesreference to notifying us that he has filed for Chapter Bankruptcy protection and that wecontinue to contact him after we were notified of this filingBased on review of current information, we were notified via email by Mr[redacted] on July 29,of his filing for Bankruptcy protection on July 21, At that time, we relayed thisinformation to our legal department for verificationWe were informed by our legal departmentin the evening of July 30, 15, after business hours, that Mr[redacted] had in fact filedfor Chapter Bankruptcy protection and that we needed to cease all forms of communication andattempts to collect from Mr[redacted]On July 31, and August 1, we added Mr.[redacted] to our Do Not Call list and removed him from future communication lists and collectionmethods in order to prevent further communications and attempts to collect on his past dueamountsWe sincerely apologize for any communications or attempts to collect from Mr[redacted] duringthe time we were updating our systemsWe believe there was overlap between communicationswith Mr[redacted] by us and our receipt of information from our legal department to cease suchcommunicationsWe will use this experience to improve our customer service and procedures inorder to hopefully prevent this from happening in the future
Sincerely,
[redacted], President