Luxury Limousines by Lee

I will respond with a rebundle in writing before the business days are upDue to the nature of the response I am rejecting Regards, [redacted]

Ms. [redacted] signed a 24 month contract with a 12 month same as cash option. Upon receipt of the contract, Guardian sent a welcome letter and completed a welcome call which reiterated the contract and same as cash terms. Ms. [redacted] called in November 2014 and was again explained the terms... of her contract. The 12 month same as cash term expired in April 2015 and is now 7 months outside the same as cash term. Guardian does not feel the derogatory accusations made by Ms. [redacted] are fair or substantiated in any way. However, we are willing to work out a compromise with Ms. [redacted] , if she would like to contact me directly. I can be reached at ###-###-####.Regards [redacted]

Complaint ID [redacted] against Guardian Finance Company I received a telephone message form [redacted] June 20, She asked me if I wanted my name removed from the accountI told her yes.I appreciate this very much that it has been taken care of.Thank you, [redacted] ***###-###-####

Dear Mr***I would like to sincerely apologize on behalf of Guardian Finance Company. After review of the account documentation it appears there was been a misunderstanding in the title situation. Ms*** purchased the vehicle while she lived in Ohio and then moved to Georgia
where she was issued a Georgia registration. Before making her final payment, she moved back to Ohio. After making her final payment Guardian thought the title process would be rather quick not realizing that we did not have an Ohio title nor the Georgia title. It was never Guardian's intent to cause undue stress on Ms*** and we are working to correct the situation. We again apologize for the lack of knowledge on the Georgia titling process as we do not typically due business in the state of Georgia. Guardian has confirmation through UPS of delivery of the signed documentation to Georgia on December 16, 2016. Guardian attempted to contact Georgia motor vehicle division and was told that processing typically takes 2-weeks and for us to follow up on January 6, 2017. Guardian will follow up with Georgia at this time to inquire on the status and inform Ms*** and/or Mr*** of the status. Although Ms*** has not received her title the vehicle is registered in her name and therefore Guardian no longer has an interest in the vehicle and we are taking the necessary steps to obtain a free and clear title for Ms***. Please feel free to contact me if you have any further questions at ###-###-####. Again, I apologize for any inconvenience this process may have caused

Guardian Finance does show the account for Ms. [redacted] to be at a zero balance.  Ms. [redacted] is still receiving statements because the account is revolving in which she would be able to make another purchase if she chose to do so.  I have spoken with Ms. [redacted] and she has requested that we...

close the account.  So effective today the account will be closed and no more statements will be produced.

Dear Sir or Madam:
                Guardian
Finance Company (“Guardian”) received a complaint on behalf of [redacted] and assigned Complaint ID [redacted]. Guardian
received the complaint on January 9,...

2017.
                Guardian
takes issues involving its customers seriously and attempts to work amicably
with its customers in order to reach amicable and fair resolutions.  However, in this case, Guardian disputes each
of the allegations in the complaint.
                 On August 18,
2014, Guardian made a loan to Mr. [redacted] in the amount of $3,950.10.  The loan was evidenced by a Promissory Note
and, as security for the loan, Mr. [redacted] also signed a Consumer Security
Agreement.  The Consumer Security
Agreement provided Guardian with a security interest in (and a lien on) a 2002
Ford Expedition SW that was owned by Mr. [redacted].
                 Mr. [redacted]
frequently became delinquent in making the payments due under the loan.  In fact, he has been 30+ days past due 13
times, 60+ days past due 2 times, and 90+ days past due 2 times. 
                 On November 1,
2016, and because the loan was more than 90 days past due at that time,
Guardian assigned the 2002 Ford Expedition for repossession and the vehicle was
repossessed that same day.  The vehicle was
then transported to a public auction for subsequent sale in accordance with
Ohio law. 
                 On November 3,
2016, Mr. [redacted] was sent a letter explaining his rights with respect to the
vehicle.  That letter also advised Mr.
[redacted] that he could cure the default under the loan within 20 days and regain
possession of the vehicle without paying the entire remaining balance of the
loan.  Such an accommodation is not
required by Ohio law.
                   Mr. [redacted] did
not cure the default within 20 days as required by the letter.  Nonetheless, Guardian continued to attempt to
work with Mr. [redacted] and it gave him additional time to cure the default.  Guardian also allowed Mr. [redacted] to cure the
default for less than the amount set forth in the letter.  The amount was actually less than the amount due
on the loan at that time.
                   On November 25,
2016, Mr. [redacted] paid $465 to Guardian and Guardian cancelled the auction of the
vehicle and agreed that Mr. [redacted] could regain possession of the vehicle.  His right to regain repossession of the
vehicle was also communicated to the public auction.
                   In exchange for
Guardian accepting the $465 and agreeing to permit Mr. [redacted] to regain
possession of the vehicle without even paying the amount that was then due on
the loan, Mr. [redacted] agreed to make his regular monthly payments plus pay an
additional amount until the loan was current. 
The amount of Mr. [redacted]’ regular monthly payments is $154.82 and they
are due on the 18th of each month. 
Mr. [redacted] agreed to pay $200.00 on December 18, 2016 and $334.46 on
January 18, 2017 and February 18, 2017. 
                   Mr. [redacted] failed
to pay $200.00 on December 18, 2016. 
Instead, he paid $155.00 on December 20, 2016.
                   Mr. [redacted] did,
at one point, allege that he had made payments that were not properly credited
to the loan. In response to this allegation, Guardian requested that Mr. [redacted]
provide payment receipts or other proof of payment that he believes were not
properly credited.  Mr. [redacted] brought in
one receipt and Guardian confirmed that the payment had been properly applied
to the loan. 
                   Mr. [redacted]’
allegation also caused Guardian to review the payment history on the loan in
order to determine that principal, interest and late charges were properly
calculated.  That review indicated that
principal, interest and late charges were properly calculated and payments were
properly allocated.
                   In short, the complaint
filed by Mr. [redacted] lacks merit and the settlement he desires is not
warranted.  Therefore, Guardian does not
agree to the customer’s desired settlement.
I would be happy to discuss any further questions Mr. [redacted] may have regarding the account.  He may reach me at ###-###-####.  Thank you for
your prompt attention to this matter. 
Please do not hesitate to contact me if you have any additional
questions or concerns.
                   Sincerely,
                  Misty
T[redacted],
                 Compliance
Officer

I will respond with a rebundle in writing before the 10 business days are up. Due to the nature of the response I am rejecting.
Regards,[redacted]

Complaint ID [redacted] against Guardian Finance Company.  I received a telephone message form [redacted] June 20, 2017. She asked me if I wanted my name removed from the account. I told her yes.I appreciate this very much that it has been taken care of.Thank you,[redacted]###-###-####

Ms. [redacted] signed a 24 month contract with a 12 month same as cash option.  Upon receipt of the contract, Guardian sent a welcome letter and completed a welcome call which reiterated the contract and same as cash terms.  Ms. [redacted] called in November 2014 and was again explained the terms...

of her contract.  The 12 month same as cash term expired in April 2015 and is now 7 months outside the same as cash term.  Guardian does not feel the derogatory accusations made by Ms. [redacted] are fair or substantiated in any way.  However, we are willing to work out a compromise with Ms. [redacted], if she would like to contact me directly.  I can be reached at ###-###-####.Regards [redacted]