Jamal's Collision & Frame

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] The contact is not my Signature, I did not sign this contact! Please remove this debt from the following credit files ( [redacted] .) If you don't I will file a complaintThis is not my debt and that contract is not my signature Regards, [redacted] ***

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] Please add your rejection comments below TimePayment breached the original lease agreement by not allowing me use of the equipment for months, as originally agreed to Their response contained contradictorystatements: “Currently, your account contains three (3) outstanding, past-due invoices,” and “to date, you have submitted monthly payments” and did not address my specific concern of being forced to return the equipment one month prior to end of lease agreement and yet charged for this error Please address my specific concern ofbeing forced to return the equipment one month prior to end of lease agreementand yet charged for this error ] Regards, [redacted] ***

TimePayment has had the opportunity to review your account, and we would like to take this opportunity to explain what our records reflect When you signed the Consumer Equipment Lease Agreement (“Lease”) in July of 2016, you elected to have your account son automatic payments, to be withdrawn on the 15th of each monthPursuant to the “Method of Payment” section, located at the bottom of page of the Lease (copy attached), you provided [redacted] credit card information in order to process the automatic paymentsOur first attempt to withdraw payment, in August of 2016, was declined – which you later clarified was the result of the credit card having been compromisedYou provided new credit card information on August 22, 2016, to be used in connection with the automatic paymentsAs a courtesy, TimePayment voided two (2) declined payment fees at that time The automatic payments were processed successfully for nine (9) months after the new credit card information was provided (from September through May 2017)However, out attempts to withdraw payments began declining in June of In accordance with the terms of the Lease, continued attempts to charge the credit card were made (each, several days apart)Our records indicate that, between June 15th and August 24th, seven (7) withdrawal attempts were declined It is your responsibility to ensure that sufficient funds are available each month, at the time that payments are duePursuant to section (“Monthly Statements; Dishonored Payments”), if a monthly payment is dishonored for any reason, you are responsible for applicable fees associated with the dishonored transaction On September 22, 2017, TimePayment agreed to waive three (3) of the seven (7) declined payments fees that were recently applied to your accountAs a courtesy, we will agree to waive one (1) additional declined payment feeThe three (3) remaining declined payment fees cannot be waivedWe hope that this resolution is satisfactoryWe urge you to contact your bank with any questions that you may have, regarding why the payments may have been declinedPlease do not hesitate to contact our Customer Service Department, should you have any questions or if you need assistance updating your automatic payment information

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] Please add your rejection comments below Yesterday I replied to this complaint saying that I accepted the comment from TimePaymentCorp saying that as long as I did not receive any more messages from them I would be happy, and had the complaint closedHowever today I received the following message from TPC saying the following: Dear [redacted] :Your account has been referred to our Collections Department for handlingI would like to try to resolve this matter before additional fees, if appropriate, are assessed to your account.You executed our standard Non-Cancelable Lease AgreementPrior to funding this Agreement, our Credit Department verified with you that the equipment was installed and in good working order, as well as that material terms and conditions of this Agreement.TimePayment is only a financing sourceAny problems you may have with the equipment, or with any service associated with it, are between you and the dealer from whom you acquired the equipmentAny such problems do not excuse your obligation to pay TimePayment under the terms of the Agreement you entered into with usAlso, our Agreement has an agency disclaimer which states clearly that the dealer has no authority to waive or alter the terms of the lease and any representations made by the dealer shall in no way affect the rights and obligations set forth in the lease.Please contact me immediately to resolve this matter.Sincerely, [redacted] Collections Representative###-###-####, Extension *** Needless to say, TimePaymentCorp lied to me when they said that the account was closed and no payments are dueI am still receiving collection notices and I want them to stop right nowAs a result, I am officially rejecting their message until we get this matter resolvedPlease help me in getting this taken care ofSincerely, [redacted]

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] Please add your rejection comments below We would like for Time Payment Corpto remove all of their faulty equipment that has stopped working properly a few days after installationI completed a complaint form prior to this one for the same company and I haven't heard anything? This company has not complied with our requests to remove the faulty equipmentNo further contact from the business Regards, [redacted]

TimePayment is in receipt of your complaint, filed with the Revdex.com on June 3rd, and we have had the opportunity to review your accountThe basis of your complaint is that you wish to cancel the Consumer Equipment Lease Agreement that you have with TimePayment Corpand TimePayment is not allowing you to cancel.Our records indicate that you signed a Consumer Equipment Lease Agreement with TimePayment Corpon April 16, via the equipment vendor company, [redacted] IncD/B/A [redacted] Pursuant to page one (1), box A (“Monthly Payment”), you agreed to remit monthly payments of $to TimePayment, with an added sales tax of $Our records indicate that, to date, you have remitted a total of thirty-four (34) monthly payments, with twenty-six (26) payments remaining owedPlease be advised that TimePayment Corpand [redacted] are two completely separate companies – we do not share employees, profits or anything elseTimePayment acted solely as a finance lessor in this transaction – extending credit to you in the form of an Equipment Lease Agreement after receiving and approving a credit applicationPrior to paying [redacted] for the equipment that is listed on the Lease Agreement, TimePayment requested and received several documents, including a signed Buyer’s Right to Cancel Form, and a signed Delivery & Acceptance Form (both documents are attached)The Buyer’s Right to Cancel allowed you three (3) business days to cancel the transaction, which expired at midnight on April 21, At no time during the Buyer’s Right to Cancel period did you request to cancel the Lease Agreement or return the equipmentYou then proceeded to ratify the contract by submitting nearly three (3) years-worth of monthly payments, without disputeThe Delivery & Acceptance Form that you signed on April 16, states (in part): “This Lease is a Consumer Equipment Lease Agreement between the Lessee and TimePayment CorpThis Lease Agreement is for months and the base monthly payment is $(plus applicable taxes, tax processing fee and loss or destruction waiver) Any changes to this Lease Agreement must be made in writing and signed by the Lessee and an authorized representative of TimePayment Corp.” When TimePayment did not receive a cancellation request from you prior to the deadline provided, we paid [redacted] for the equipment and commenced the Lease Agreement on May 2, For the reasons mentioned herein, we are not able to cancel Lease Agreement No [redacted] at this timeAlternately, you may wish to pay the Buyout Amount on your account – which is currently $1,This Buyout Offer will remain valid for fifteen (15) days – if you wish to pursue this option, please contact our Collections Department at your earliest convenience to make payment arrangementsWe would like to inform you that your account is currently more than thirty (30) days past-due and may be negatively impacting your personal creditWe urge you to contact our Collections Department immediately regarding this matter

TimePayment Corp.’s Legal Resolutions Department has had the opportunity to review your complaint, filed with the Revdex.com, and we would like to take this opportunity to clarify the terms of the Lease Agreement that you signed with our company.TimePayment’s only role in this transaction was that of a finance lessor – extending credit to you in the form of a Lease after receiving your electronic credit application from the independent broker company, LeaseStation, and approving itAs a lessor, TimePayment does not charge interest, or offer loans of any kindOur part in this transaction was to purchase equipment of your choosing from the independent equipment vendor ( [redacted] ***) to lease back to you and your business for the agreed-upon monthly amountOn January 29, you electronically signed Non-Cancelable Commercial Equipment Lease Agreement No [redacted] for a 12” x 30” Gear Head Combo Lathe Mill Drill with Cooling System, agreeing to pay a base monthly rate of $for a term of monthsAs the Lessee and Personal Guarantor, you were responsible for carefully reading the entire contract prior to signingWe ask that you refer to the top, left corner of page one (1) of the Lease Agreement, which states: “This is a Lease Agreement between TimePayment Corpand the LesseeLessee acknowledges that it is entering into this lease with TimePayment Corpand that TimePayment Corpis not in any way associated or affiliated with the Equipment Vendor, Dealer or ManufacturerThis is a legally binding contractIf the terms and conditions are not fully understood, legal advice should be sought before signing.”As further confirmation that you understood the document that you had signed, TimePayment Corpcompleted a recorded verification telephone call with you on January 30, It was during that telephone call that you confirmed that you understood that you had signed a Non-Cancelable Commercial Equipment Lease Agreement with a base monthly rate of $(plus applicable taxes and fees) for a term of monthsUpon successful completion of that recorded telephone call, TimePayment Corppaid [redacted] for the equipment that is listed on the Lease Agreement and commenced the contractYour obligations became irrevocable at that timeUpon receiving the equipment, on April 6, you electronically signed a Delivery and Acceptance Form, which states (in part): “This Lease a NON-CANCELABLE Commercial Lease Agreement between the Lessee and TimePayment CorpThis Lease is for months and the base monthly payment is $(plus applicable taxes, tax processing fee, and loss or destruction waiver)No written or verbal alteration of this Lease Agreement is valid.” For your convenience, I have attached copies of the Lease Agreement, as well as the Delivery and Acceptance FormWe understand that you are requesting to pay only the retail value of the equipmentUnfortunately, because you elected to lease the equipment, rather than purchase it directly from [redacted] ***, we are unable to comply with this requestIt is TimePayment’s position that the costs and fees associated with the Lease Agreement were properly and accurately disclosed to you, both verbally and in writing, prior to commencement of the contractWe apologize that we cannot be of further assistance in this matter, and for any negative experience that you may have had with our companyWe value our customers, and it is our sincere hope that our response has clarified the terms of the contract that you signed, as well as our company’s role in this transaction

Sorry for the delay, My case has not been resolved [redacted] has frozen my account since this has been going onThe merchant owes [redacted] 1,Settlement of 1,and honor time payments over time for the water heater

TimePayment’s records indicate that your account with us was cancelled on September 30, (the same day that it was set to commence), at the request of the vendor, [redacted] .comBecause the account never commenced, it should not be reflected on your credit reportTimePayment will submit a Universal Data Form to [redacted] , requesting that our tradeline be deletedWe apologize for the inconveniencePlease allow days for the credit bureaus to update their records

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] [I fully understand this was an equipment lease However, the equipment stopped working and was unusable The rep was contacted numerous times with no response I was left with no choice but to purchase equipment from another vendor and store the useless equipment in a safe place It is still in storage I wish to return the equipment and stop being billed for equipment that has not been in use since February 2016.] Regards, [redacted]

In response to your complaint, TimePayment would like to take this opportunity to better explain the terms of the contract that you’ve entered into with us, in order to clarify any misunderstandings TimePayment’s records indicate that you entered into a Non-Cancelable Commercial Equipment Lease Agreement with us on May 10, 2013, for the leasing of CCTV equipmentThe Agreement, for which you are listed as a personal guarantor, is for a period of months, at base amount of $per monthThere is nothing in this Agreement which indicates that the contract can be cancelled before all monthly payments have been receivedA copy of the Agreement is attached, for your review TimePayment first received your credit application on May 1, 2013, from the independent equipment vendor, [redacted] IncAfter the application was approved, and TimePayment had received the signed Agreement and Delivery & Acceptance Form (confirming that you had received the equipment and were satisfied with it), we paid [redacted] for the equipment and commenced the Agreement Please be advised that TimePayment’s role in this transaction was solely that of a finance lessor, as is more thoroughly described under UCC 2ATimePayment and [redacted] Incare two completely separate companies, as we do not share employees, profits, offices or anything elseThe status of [redacted] ***’s business operations is irrelevant to the terms of the Agreement that you have with TimePaymentPlease refer to the Agency Disclaimer, on page of the Agreement In accordance with the terms of the Agreement, you have three (3) options at the end of the Lease Term – you may (1) return the equipment to TimePayment, (2) keep the equipment and extend the Agreement on a month-to-month basis under the existing terms, or (3) purchase the equipment from TimePayment for the Fair Market ValueWhile we understand that you elected to return the equipment prior to the end of the Lease Term – this action does not void or nullify your remaining obligations under the Agreement To date, TimePayment has received of the requisite Lease Payments – there are payments remaining on the accountIf you would like to pay the account off early, to have it closed, then please contact our Lessee Relations Department for a buyout quote Our records reflect that you recently contacted our Lessee Relations Department regarding a payment of $which was withdrawn from your bank account, but was not being reflected on your TimePayment accountUpon receipt of the supporting documentation that you have provided, TimePayment was able to locate the payment and it has been applied to your accountPlease be advised that your account is current, with your next payment due on April 10, We sincerely hope that this response clarifies the terms of the Agreement, and the remaining obligationsPlease do not hesitate to contact us with any further questions or concerns

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] I have sent a certificate to [redacted] showing proof of Time payment listed as loss payee for those months without a lapse of coverageI spoke to her on Friday March 4,by email and she at first told me the documents were not acceptable, after I pointed out to her that Time Payment was listed as loss payee in the description she said that it was acceptablePlease speak to her about thisI am confident this proves full coverage without any lapse, I am not confident enough to go back to auto-pay in that I feel the company does not want to notify customers of any possible breach of terms so that they may sneak these charges in [If you are rejecting the business's response please enter your rejection comments here.] Regards, [redacted]

As previously stated, TimePayment Corpdoes not employ door-to-door salespeople, nor do we have any knowledge of any salesperson’s offer to upgrade the security equipment that you are leasing from our companyFurthermore, TimePayment Corpdoes not have access to any “reset codes”, as that is something that you would need to contact your alarm monitoring company aboutYou are claiming that TimePayment Corphas refused to contact the company which you believe we sent to your business in order to induce you into signing a new contract for upgraded equipmentAs previously stated TimePayment has no knowledge of this transaction or which company may be responsible for it, nor can we assist in repairing your alarm monitoring servicesTo address the portion of your complaint related to TimePayment holding you personally responsible for the contract, we would like to remind you that you signed Commercial Equipment Lease Agreement No [redacted] on behalf of Canyon River Spa Inc., as well as a Personal Guarantor (please refer to the bottom of page one)Because you signed the contract as a Personal Guarantor, failure to fulfil your obligations as outlined in the Lease Agreement could result in negative reporting on your personal credit report Finally, TimePayment has never “knowingly participated in a security alarm scam”TimePayment’s only role in any equipment leasing transaction is to purchase equipment of the Lessee’s choosing from the equipment vendor company of the Lessee’s choosing after the Lease terms have been agreed-upon and the Lease Agreement has been signedTimePayment did not instruct any company to go to your business to solicit new equipment or a new contract, either prior to the commencement of the Lease or following itTo date, you have not provided specific information which may assist us in identifying the salesperson or company who came to your business and purportedly disconnected your alarm monitoring serviceWhile TimePayment was not involved in the transaction described in your complaint, our records indicate that we did send you a Misrepresentation Questionnaire on September 9th to complete and send back to us so that our Legal Resolutions Department may be able to better investigate this matterFor your convenience, I have attached a second copy of that Questionnaire hereto.As suggested in our original response, the best way to remedy a problem with the functionality of your alarm monitoring service is to contact your alarm monitoring service provider to discuss possible solutionsWe apologize that we do not have any additional information in regard to the matter outlined in your complaint

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] Thank you for your response to my questionsI want to know when the equipment was returnedI want an invoice of the equipment that was returned and the equipment that you say is missingI still question the “Fair Market” value of the equipmentThe lease states up to 10% of the lease totalHow do you determine what percent, if it will be lower or the 10%? The determination of “Fair Market Value” seems arbitrary Is there a document or chart that determines the “Fair Market Value”? A customer service agent stated that your company does not give credit for returning equipmentYour customer service agents harass and threaten the leasee but it doesn’t matter if the equipment is returned Why return the equipment if there isn’t any credit applied to the account? Regards, [redacted]

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] [this is the letter I received yesterday No real investigation was done, and no resolve was madeI also had to make a payment over the phone with [redacted] so they would not report to the credit bureausShe basically informed me that I read the contract and it was my faultStill paying for equipment I haven't had for months now She also informed me that she had no idea where my equipment came from and that there should have never been a third party vendor, and that's still my fault I have still no clue where to go from here, was told to contact quickspark who gave me the loan, which I have and was told to contact time payment which I have million times Regards, [redacted] ***

TimePayment Corphas had the opportunity to review your complaint, and we have located Non-Cancelable Commercial Equipment Lease Agreement No [redacted] for [redacted] D/B/A [redacted] , which we believe to be the Lease Agreement that you are referencingIn your complaint, you have stated that you were not satisfied with the commercial Nelson Ice Cream Push Cart that you received in correlation with the Lease Agreement, but that the vendor refused to accept a return on the equipmentYou are arguing that you never accepted the equipment, and that the Lease Agreement should be considered null and void.Please be advised that TimePayment Corpand the equipment vendor, Keyword Farm LLC D/B/A Turnkey Parlor, are two completely separate companies – we do not share employees, profits or anything elseTimePayment’s only role in this transaction was that of a finance lessor (as it is described under UCC Article 2A), extending credit to you and your business in the form of a Lease after receiving and approving your credit applicationPrior to paying Turnkey Parlor for the equipment that is listed on the Lease Agreement, we conducted a recorded pre-funding verification telephone call with you on June 29, It was during that telephone call that you confirmed that you had read and understood the terms of the Lease Agreement that you signedIt wasn’t until the successful completion of that telephone call that TimePayment Corppaid Turnkey Parlor and instructed them to deliver the equipmentWhile we understand that you are claiming to have not accepted the equipment, we do have (on file) a form confirming acceptance of delivery of the equipment – signed you on July 8, I have attached a copy of that form for your reviewAs stated in your complaint, the Non-Cancelable Commercial Equipment Lease Agreement that you signed as Lessee and Personal Guarantor, states on page 2, section (“Delivery and Acceptance”): “The Equipment shall be shipped directly to me by the VendorUpon delivery of the equipment to me, I shall be deemed to have irrevocably accepted the Equipment, the Equipment shall be deemed to be in good working order and condition, and I shall be satisfied that the Equipment delivered includes all of the items specified in this Lease ”Our records indicate that you called and emailed our Customer Service Department on July 9th and 21st to express your dissatisfaction with the equipment that you had chosenAt no time during either of those correspondences did you mention any issues with the equipment, other than it being too heavyIt wasn’t until a telephone call on August 4th that you mentioned a faulty wheelYou further stated that the equipment vendor had offered to fix the issue with the wheel, but that you refused to allow that as you just wanted to return the equipment because of its weight.It is TimePayment’s position that you signed a Non-Cancelable Commercial Equipment Lease Agreement on June 25, for a base monthly amount of $for a term of monthsYou further acknowledged and accepted the terms of the Lease that you signed by completing our recorded pre-funding verification telephone call on June 29thTimePayment relied on your representations and paid Turnkey Parlor in-full for the equipmentYou then accepted delivery of the equipment on July 8, 2015, at which time you irrevocably accepted the equipment and the terms of the Lease AgreementYour obligations under the Lease Agreement remain in effectIf you have shipped the equipment back to the vendor, TimePayment urges you to contact them immediately to regain possession as TimePayment is the rightful owner of the equipmentShould you have any questions related to the terms of your Lease Agreement, billing or payments, please do not hesitate to contact our Customer Service Department at our toll-free number

Revdex.com:Miss [redacted] keeps records tooand has certainly spoken with your company on (2) more occasions than what you have in your records As a matter of fact, she was discussing the money issue on 09/07/(3rd call to your company) for about minutes and the phone just went silent as she was talking to the girl Since no one called us back, we assumed we were disconnected intentionally They were discussing the account info, so the girl that answered the phone had our records up in front of her.The second time that she spoke to someone they said they "Didn't know" what the goal amount was, just what the pay off was.The first time she was told the Pay-Off, she couldn't afford to put that total amount down, which is why she made big payments ($400.00; $as often as possible) to get that paid off as quickly as possible, like I had asked her to doYou make it sound like it's our fault that your "system" didn't recognize the payments and post properly I think you need to update your system If someone gives you money towards a "pay-off, buy-out" or whatever you wish to call it - that money should be deducted from that amount in a reasonable amount of time.That money should not be "Held onto" like my money wasand ate away at monthly.I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint # [redacted] I understand that by choosing to accept the business response that my complaint will be closed as resolvedBottom line Thanks for refunding what was overpaid to you I will be watching for a check.Regards, [redacted]

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] Please add your rejection comments belowI will not accept any business response and this case will remain open until the portal shows no balance due and no balance overdueIf that's a day or days, this will not be accepted as I don't feel this was a "glitch" but intentional in order to try to scam customers out of any extra money as possiblePlease do not respond until this "glitch" is corrected and I can see it for myself on the portal Regards, [redacted]

Review of this account indicates that your personal information was submitted to our company via a credit application on our website on December 10, 2015. TimePayment approved the application, based on our credit review, and sent the lease documents via email to be completed and signed... electronically. The Lease Agreement was signed and returned to us (electronically) on December 11, 2015. TimePayment then paid the equipment vendor, [redacted] for the equipment and commenced the Lease. We understand that you are claiming that you did not submit this credit application, or sign the Lease Agreement. In order for TimePayment to thoroughly investigate this claim of identity theft, we do need for you to complete the Forgery Questionnaire that was sent to you previously. For your convenience, I have attached copies of the Forgery Questionnaire and the Lease Agreement hereto. Please complete the Questionnaire and return it to TimePayment’s Legal Resolutions Department at your earliest convenience. Once received, we will commenced an investigation into your claim, which may take up to 30 days to complete.

TimePayment is in receipt of your complaint regarding Lease Agreement number [redacted] . Our records indicate that [redacted] signed a Non-Cancelable Commercial Equipment Lease Agreement on October 18, 2010 for a period of 48 months. In your complaint, you have indicated that, in October of 2014, you... contacted TimePayment Corp. to request the “final payoff” amount on the account. Your complaint asserts that a TimePayment representative informed you, at that time, that (after your initial 48-month lease term ended), you could pay the Fair Market Value of the equipment over a period of months. You have claimed that, despite making five (5) extra monthly payments (in addition to the required 48 monthly payments), TimePayment Corp. has refused to apply those toward the Fair Market Value of the equipment and has, instead, considered them to be “rental payments”. On August 12, 2014, TimePayment mailed you a letter outlining your end of lease term options. That letter stated: “This letter is to inform you that there are two months remaining on the initial term of your agreement. In accordance with the terms of your agreement, you have the following options at the end of the initial agreement term: (1) you can promptly return the equipment, in good condition, except for ordinary wear and tear, to us by the end of the initial term of the contract (20-Oct-2014) or (2) you can extend the agreement under the terms and conditions stated in the agreement on a month-to-month basis until such time as you give written notice that you elect to terminate the agreement at least 30 days prior to such termination and you return the equipment to us or (3) you can purchase the equipment for the fair market value as quoted by us at the time of termination plus any applicable taxes.” I have attached a copy of this letter, as well as the Lease Agreement, for your review.The information provided in the End of Lease Term letter is also stated in section 5 (“End of Lease Term”) of the Lease Agreement that [redacted] signed. Our records indicate that, on October 27, 2014 you called our Customer Service Department and spoke with [redacted] - at that time, you requested a “Buyout Quote”. [redacted] informed you that, to the keep the equipment, the Buyout amount was about $2,300 – the total of the Fair Market Value of the Equipment, and the open invoices on your account at that time. Our records do not indicate that [redacted] , or any other representatives of TimePayment Corp., informed you that you could pay the Fair Market Value of the equipment over several months. As stated in the Lease Agreement, and in the End of Lease letter that was mailed to you, unless you returned the equipment or paid the Fair Market Value of the equipment, the Lease would continue on a month-to-month basis until one of those two things occurred. To date, you still have not returned the equipment or paid the Fair Market Value of the equipment – which is why the account remains in “Month-to-Month Rental” status. For the reasons listed herein, it is TimePayment’s position that all invoices on your account have been billed accurately and in accordance with the terms of your Lease. Currently, the true buyout amount on this account (to keep the equipment) is $2,825.08. However, we have had the opportunity to review your account and, because of your timely payment history, we will agree to close the account for payments already received. Please be advised that this is being done purely in the spirit of compromise, and in an effort to amicably resolve this dispute. Thank you for the opportunity to review this matter – we sincerely hope that this dispute has been remedied to your satisfaction.