Jamal's Collision & Frame

TimePayment Corpwould like to, again, clarify the terms of the Lease Agreement that you signed, as well as correct our previous statement regarding your current Lease BuyoutFirst, to correct our previous statement - the current buyout is $2,766.26, not the previously-provided figureWe apologize for any confusion, as the previous figure was provided in error. Because your payment of $3,was received on November 4th, both your November and December invoices have been paid using those fundsWhile we understand that you do not want any funds to be showing as “unapplied” on your account, there are no open invoices on your account to apply those funds to at this timeFor this reason, the $2,380.82, which is currently showing as “unapplied”, will continue to reduce with each monthly invoice that generatesWe would like to reiterate that there are no “interest” fees associated with your AgreementTo clarify, you agreed to pay a base amount of $for a term of monthsIn accordance with the terms of the Agreement, all payments of $are owed, regardless of whether the payments are received early (in lump-sum) or in monthly installmentsThere are no penalties for paying the Lease Buyout earlyOur records indicate that you spoke with a representative from our Customer Service Department today, regarding your accountWe hope that we have been of service in clarifying any confusion relating to the AgreementPlease do not hesitate to contact us at our toll-free number 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 # ***Please add your rejection comments below.
The business has yet to provide me with several items. 1) A copy of documentation from the *** County Tax Collector's office and the *** County Property Appraiser's office both of which the company states they are paying taxes to on my behalf. I already know the tax rate for my county. I spoke with both offices and the representatives have states that if in fact Time Payment Corp is paying taxes to *** County they would be billed. So if you are paying taxes as previously states, SHOW ME PROOF IN BLACK AND WHITE Documentation. I saw that you attached two attachments, neither had tax documentation that was on letterhead from *** County. My assumption is that you are not paying taxes as you do not have a bill showing so. If not that is tax fraud and your company should be held liable for fraudulent charges to me and any other consumer you have did this to. Show me proof, provide a copy. Yes the block says applicable taxes however, taxes are not applicable if 1) you are not paying them to the appropriate tax office and 2) you are do not have documentation of a tax bill from which to gather tax figures in which to be paid.Second, I have yet to be given a statement of what has been paid in versus what is supposedly owed. I need a statement from you company as I will need in further endeavors against your fraudulent activities. I have an appointment with both the property Appraiser's office and *** County Tax Collector. I am to bring all documentation in reference to this particular account. So I need correct documentation from you all in addition to the invoices that show the actual price of the equipment
Regards,
*** ***

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 # ***Please add your rejection comments below. When *** *** *** *** *** were already tearing up our ducks and hauling out the old furnace the salesman was telling us they could only finance us through Time Payment CorpWe wanted to call our credit union for the loan instead.We both feel we were under duress as the house was freezing, it was February 2, and we had slept in the livingroom next to a heaterAnd since *** *** was already tearing up the old furnace, what could we do? Tell them to stop? The salesman explained about the lease, which didn't make much sence then, and he said to call our homeowner insurance company and have then insure the furnace and we'd have no payments to make to them it g er than the cost of the furnaceBy the time they got done installing and us signing papers half the day was gone.I called our insurance agent, he said t h ey could not insure just the furnace alone as its added equipment and is covered under loss due to fire or disasterHe explained the reason Time Payment wanted this coverage was that if our home was destroyed Time Payment would get half of the insurance check leaving us without enough to rebuild our home.This company has been doing this for years to home owners and corporations and making millions on bilking customers out of money for leasing their own eguipment thar has already been bought and paid for. I want them to drop the $they say we owe them for leasing our furnace and to not take any action against us in the future.*** *And *** ** ***
Regards,
*** ***

The formula that TimePayment uses to determine our base monthly rates is considered proprietary informationIt is our position that you were properly informed that you were entering into a Lease Agreement (as it is boldly stated at the top of the contract, and throughout), and how much you would be payingYou were given ample opportunity to review the terms of the Commercial Equipment Lease Agreement before you signed itThe top left corner of page one (1) of the Lease 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 singing.”The terms of our Lease Agreement are not meant to be deceptive, and TimePayment takes all possible steps to ensure that Lessees understand what they are signing prior to commencing the contractLessees are instructed to carefully review the contract before signing, and are given ample time to discuss the terms with a legal professional of their choosing, prior to commencement.Page one (1), Box A (“Schedule of Payments”) clearly lists the Fair Market Value of the equipment as being $814.41, and includes a disclaimer which reads: “PLEASE SEE PARAGRAPH FOR A FULL EXPLANATION OF THE LEASE BUYOUT OPTIONS”.TimePayment has no knowledge of any communication which may have occurred between your business and Candy Concepts, as they are a completely separate company from TimePaymentIn regard to any miscommunication which you believe may have occurred between your two companies, we ask that you refer to the “Agency Disclaimer” located on page two (2) of the contractThe Agency Disclaimer states: “NEITHER SUPPLIER NOR ANY SALESPERSON IS AN AGENT OF LESSOR NOR ARE THEY AUTHORIZED TO WAIVE OR ALTER THE TERMS OF THIS LEASETHEIR REPRESENTATIONS SHALL IN NO WAY AFFECT LESSEE OR LESSOR’S RIGHTS AND OBLIGATIONS AS HEREIN SET FORTH.” The recorded lease verification telephone call referenced in our initial response is considered to be an internal business record and is not able to be released to individuals outside of the companyIt is our position that all costs and fees associated with the Lease Agreement were properly and accurately disclosed to you, both verbally (in the verification telephone call) and in writing (within the pages of the Lease Agreement)We apologize if the terms were not understood, however the Lease Agreement remains valid

TimePayment’s records reflect an abundance of correspondence between yourself and TimePayment representatives since the Lease commencedMost recently, you submitted an inquiry to TimePayment through our online portal, requesting to know the buyout amount on your accountA representative replied
to your inquiry, informing you of how to access the buyout amount, via the online portalYou then paid the buyout amount of $(today), and called to confirm that it had been receivedTimePayment representative, ***, confirmed that the buyout payment was received and that the account is in the process of being closed TimePayment does not provide insurance of any kind, as we are a finance lessorIf the “insurance” to which you are referring is the Loss or Destruction Waiver Fee, then the fee is stopped automatically at the time that the account is closed Please allow this to serve as confirmation that your buyout payment has been received and that no further payments are dueBe advised that, because the buyout payment was just received today, the account has not closed yetThe account closure should be completed within the next business daysPlease do not hesitate to contact our Customer Service Department with any further questions or concerns related to the account

TimePayment Corpis in receipt of your complaint, related to Application No***, and we would like to provide clarification as to our role in the transactionAs an initial matter, please be advised that you do not have an active account with TimePayment, and TimePayment has not withdrawn any
funds from your bank account, or received any payments in connection with your application We first received your credit application on March 26, 2016, when it was submitted to us by a company called *** ***The application was approved and you signed an Equipment Lease Agreement When TimePayment attempted to process your ‘payable at signing’ amount of $on April 18th, the transaction was declinedBy the time that we received new payment method information on June 1st, we were requiring that a new Equipment Lease Agreement be signed, as the initial Lease Agreement was no longer acceptableSubsequently, we did not process your payable at signing payment of $27.99, and informed the equipment vendor (***) of same To date, TimePayment has not received a satisfactory new signed Lease Agreement and, as such, we have not processed any payments, nor commenced the Lease Agreement TimePayment did not deducted $1,from your account, and has no knowledge of any such transactionYou may wish to contact *** ***if you believe that the $1,deduction is related to this transactionWe sincerely hope that our response has provided some clarification in this transaction

TimePayment has had the opportunity to review the account referenced in your complaint, and we would like to take this opportunity to better explain our role in the transaction The contract that TimePayment bills you for each month is an Alarm Monitoring Agreement for security monitoring
services, which are provided by a third-party company (*** *** ***, ###-###-####)TimePayment did not provide the equipment that is installed in your home, nor do we provide alarm monitoring services On August 31, 2015, you signed an Alarm Monitoring Agreement with a company called *** *** *** (“***”)Pursuant to section (“Assignment”) of the Agreement, *** had the right to assign their collection rights under the contract to another companyTimePayment took assignment of ***’s collection rights under the contract on September 3, Section states: “Dealer (***) shall have the right to assign this agreement’s billing and collection rights, and the monthly monitoring service payments due, to a financing entity (TimePayment) without notice to the customerDealer shall not be allowed to assign to that financing entity any right, title or interest it may possess in the equipment and that financing entity shall have none of the dealer’s equipment servicing obligations…” To summarize, TimePayment’s only role in this transaction is to collect your monthly alarm service monitoring feeWe are not able to assist with any equipment or service-related issuesWe reached-out to ***, on your behalf, to inquire about the servicing issues referenced in your complaint*** maintains that they have offered to assist you with whatever issues you may be having, but that you have been unwilling to cooperate with their efforts We apologize that we cannot be of further assistance in this matter, and we urge you to work with *** to reach an amicable resolution to your equipment and servicing complaints

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 # ***.
While I accept the statements in general, the part that I am saying that you're unwilling to cooperate with is the documents onlineThere is not a way for me to see the lease agreement or any other document besides the payments that have been madeYou should make things easier for the consumer to get these documents without charging for themI understand that your business doesn't have to follow everything that millions of big businesses do for the customers like viewing statements and documents sent online for free and the consumer can print out the document themselves instead of having it be sent to them, but it would help you avoid situations like these where the customer feels like they have to resort to complaining to the Revdex.com to get a response and documentation from you
Regards,
*** ***

TimePayment Corphas had the opportunity to review your account with us, and we would first liked to apologize for any inconvenienceThe Non-Cancelable Commercial Equipment Lease Agreement that you entered into with us in January of included a Purchase Option Rider, which offered you a $
buyout at the conclusion of the initial lease term TimePayment received your buyout payment of $on April 25, and notified you, via email, that your payment obligations under the Lease Agreement had been satisfied, and the account would be closed A system glitch caused additional notices for a balance of $to be mailed to youPlease be advised that the notices were mailed automatically, in error, and there are no further payments due on your accountTimePayment is not willfully attempting to collect any additional amounts from youYour account was paid-in-full on April 25th, and closed thereafterPlease disregard any additional mailed notices Thank you for giving us the opportunity to review your account and respond accordingly

Revdex.com:
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 #***I understand that by choosing to accept the business response that my complaint will be closed as resolved. As long as I do not receive any more notices saying that my payments are past due I will be happy
Regards,
*** ***

Revdex.com:
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 #***I understand that by choosing to accept the business response that my complaint will be closed as resolved.
Regards,
*** ***

We sincerely apologize for the equipment issues that you’ve experiencedUnfortunately, TimePayment, as just the finance lessor, is not able to assist with any equipment-related issuesAs stated in our previous responses, and in the Lease Agreement, any failure of the equipment is no basis for non-fulfillment of your obligations under the LeaseIf you are not able to get in contact with ***, the vendor’s representative named in your most recent correspondence, then TimePayment suggests that you contact another vendor in your area who is able to assist with this type of equipment servicingWe apologize that we cannot be of further assistance with the equipment servicing and functionality issues

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 # ***
[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 *** 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,
*** ***

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, ***.comBecause the account never commenced, it should not be reflected on your credit reportTimePayment will submit a
Universal Data Form to *** *** ***, requesting that our tradeline be deletedWe apologize for the inconveniencePlease allow days for the credit bureaus to update their records

Revdex.com:Miss *** 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 #***I understand that by choosing to accept the business response that my complaint will be closed as resolved. Bottom line. Thanks for refunding what was overpaid to you. I will be watching for a check.Regards,*** ***

After TimePayment's response to your Revdex.com complaint on October 8th, we submitted a Universal Data Form ("UDF") to *** and ***, requesting that they remove any negative credit reporting in regard to our tradeline on your credit reportTimePayment has no control over the amount of time that it takes for the credit bureaus to update their informationAs a courtesy, we have submitted a second UDF to the credit bureaus, requesting again that they update this informationFor your convenience, we have attached a copy of that documentShould you have any questions related to the timeframe required for the information to be updated on your credit report, please contact the credit bureaus directly

Dear Ms***, Please be advised TimePayment Corp’s Legal Resolutions Department is in receipt of your Revdex.com ComplaintI have taken the opportunity to review your complaint and your account with TimePaymentYou have stated that you signed a contract with TimePayment for
salon equipment on June 8, 2015, but that you were subsequently advised that the process could not move forward without a copy of your cosmetology license. You state that you learned the lease had commenced only after receiving a phone call from TimePayment on June 18th Additionally, you have stated you have yet to receive the equipment, and that you wish to cancel the Agreement and be refunded your payment Please be advised TimePayment Corpacted solely as a finance lessor (as it is described under UCC Article 2A) of commercial equipment, extending a finance lease to you after receiving and approving your credit applicationTimePayment Corp(“TimePayment”) is an equipment leasing company whose only role in this transaction was purchasing the equipment of your choosing from the independent vendor, *** *** *** *** ***, and leasing it to you. On May 22, 2015, TimePayment received an application from you for finance leasing of salon equipment. After your application was approved, on June 8, 2015, you electronically signed the Non-Cancelable Commercial Equipment Lease Agreement (“Agreement”) for several pieces of salon equipment at terms of $per month (plus applicable taxes and fees) for months (see attached Agreement). The Agreement states on Page in the Delivery and Acceptance Confirmation section: “I have instructed the Lessor to purchase the Equipment on my behalf immediately. The Equipment has been ordered, and either has been or will be delivered as I requested…I understand that upon signing this Lease and Delivery and Acceptance Confirmation, my obligations under the Lease are binding and irrevocable Lease payments will commence on the date set forth above, whether I am in possession of the Equipment or not.” As such, TimePayment purchased the equipment from the third-party vendor on your behalf in reliance on your signature. While TimePayment did request a copy of your business license, TimePayment then waived that requirement as a courtesy. In order to convey this information, TimePayment conducted multiple phone calls with you on June 9th and June 10th, during which TimePayment also confirmed your payment information for the payable at signing amount needed to commence the lease. Additionally, on June 10th an Introduction Letter was mailed to you welcoming you as a TimePayment customer, along with a copy of the commenced Agreement (see attached) Whether you have received the equipment yet or not, the Agreement is valid and binding, as you agreed in signing the Delivery and Acceptance Confirmation that the equipment would be or had been ordered on your behalf. On June 24th you contacted TimePayment and requested to transfer the lease into another person’s/business name. TimePayment mailed you the application to be completed by the potential transferee and is waiting for the application to be returned. Once the application is received, TimePayment’s Credit Department will review the application and contact you with the result It is TimePayment’s position that the terms surrounding the commencement of the Agreement were clear and that you understood those terms, and that the Agreement is valid and binding. It is our hope that this has clarified any questions you may have had regarding your account. Please contact our Legal Resolutions Department if you have any questions Sincerely, *** ***, Esq

Revdex.com:
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 #***I understand that by choosing to accept the business response that my complaint will be closed as resolved. I would understand "close your account" to mean that you are agreeing that I have paid for the sewing machine. I thank you for closing my account. I understand this to mean that you agree that I have now paid in full for the sewing machine, and that you will not report any adverse information to any credit bureau
Regards,
*** ***

TimePayment Corp.’s Legal Resolutions Department has received your Revdex.com complaint and had the opportunity to review your account historyOur records indicate that you were mailed a Forgery Questionnaire on March 6, after informing our company that you had not signed certain pages of the Lease
AgreementWe received your completed Forgery Questionnaire and accompanying official documents containing your signature more than two (2) months later, on June 19, Upon receipt of your completed Forgery Questionnaire and supporting documents, we opened an investigation into this claimWe ask that you allow at least thirty (30) days for our investigation into this matter to be completedThank you for your patience

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 # ***Please add your rejection comments below.
Answer still not met; COMPANY IS REFUSING TO ANSWER QUESTION and take accountability Same answer as stated previously and THERE IS NO RESOLUTION WITH THIS COMPANY Legal action is precedent in this matter I will wait on complaint information from the NC State Attorney General's Office reference this complaint before proceeding with legal action to rectify this matter with this company.
Regards,
*** ***