Megatester, Inc

*** *** defaulted on his loan which triggered his repossessionHe was behind on his payments $He did not maintain the correct required insurance for the truckHis last insurance coverage expired on September 22, In addition, *** *** disabled the payment reminder device on
the JeepI have enclosed photos of his wiring modifications to the Jeep for your reviewThe Jeep was sold as is with no warranty*** *** signed several documents acknowledging the title being a Rebuilt title, the Jeep being sold without warranty, and accepting the Jeep at deliveryWe had discussions concerning possible frame and or axle issues with the Jeep but no impartial third party was ever allowed by *** *** to document steps to correct any concernsOur last conversation had *** *** accepting credit for two of his delinquent payments as compensation for satisfying all concerns regarding the frame or axle issues he had*** *** agreed to obtain and keep in effect the required full coverage insurance*** *** put an estimated 10,miles on the Jeep during the time the Jeep was in his possessionThe signed retail installment agreement states the buyers give *** *** permission to repossess their vehicle if it can be done peacefullyThat is why the vehicle was recovered in the manner it wasWe were trying to avoid a confrontation with the customerWhen the Jeep was recovered it no longer had the factory fiberglass lockable hardtop it was delivered withAlso missing were the rear fender flairs and the driver's side front carpetingThe value of the missing components is conservatively estimated to be $There will be no refund or compensation offer made to *** ***I appreciate your assistance with this matterSincerely,*** ** ***

*** *** defaulted on his loan which triggered his repossessionHe was behind on his payments $He did not maintain the correct required insurance for the truckHis last insurance coverage expired on September 22, In addition, *** *** disabled the payment reminder device on
the JeepI have enclosed photos of his wiring modifications to the Jeep for your reviewThe Jeep was sold as is with no warranty*** *** signed several documents acknowledging the title being a Rebuilt title, the Jeep being sold without warranty, and accepting the Jeep at deliveryWe had discussions concerning possible frame and or axle issues with the Jeep but no impartial third party was ever allowed by *** *** to document steps to correct any concernsOur last conversation had *** *** accepting credit for two of his delinquent payments as compensation for satisfying all concerns regarding the frame or axle issues he had*** *** agreed to obtain and keep in effect the required full coverage insurance*** *** put an estimated 10,miles on the Jeep during the time the Jeep was in his possession The signed retail installment agreement states the buyers give *** *** permission to repossess their vehicle if it can be done peacefullyThat is why the vehicle was recovered in the manner it wasWe were trying to avoid a confrontation with the customerWhen the Jeep was recovered it no longer had the factory fiberglass lockable hardtop it was delivered withAlso missing were the rear fender flairs and the driver's side front carpetingThe value of the missing components is conservatively estimated to be $There will be no refund or compensation offer made to *** ***I appreciate your assistance with this matterSincerely,*** ** ***

In response to the complaint filed by *** *** on August 19, I am enclosing copies of several documents that will show *** *** as current with his account, but he has not yet completed paying for his automobileSimply stated paying the same balance bi-weekly retires the balance faster
than paying semi-monthlyThe original loan agreement and the Amortization Schedule show the loan to require bi-weekly payments of $each for a total of $12,At *** ***'s request we amended this agreement on 7/28/to reflect his new pay scheduleSince that time he has been making his payments on time and is in good standingI have included copies of his payment ledgers from both the original agreement and the current agreementThe original payment ledger will show that *** *** paid payments of $each for a total of $paid through that dateHis last payment under the original agreement was made on 7/20/His amended agreement has his first payment on 8/6/some sixteen days laterUnder the amended agreement he has paid payments of $for a total of $Adding the $from the first agreement and the $from the second agreement *** *** has paid in a total of $11,which is still short of the total amount set forth in the original agreement.The payoff amount on this vehicle through business today, August 24, 2017, is now $If he were to continue paying his payments over the remainder of the loan agreement the remaining balance would be $I am offering to accept only the original total of $12,and will gladly reduce his balance to match that amount.*** *** referenced the original loan agreement to arrive at the conclusion that his car should be paid for on August 17, That agreement is no longer in effectMath will show we have only done what he requested and there has been no deception or abuse whatsoever.I have enclosed photo copies of the text messages between *** *** and myselfIt is my sincere hope that we can find common ground, make peace like two Christian gentlemen, and move onI stood by *** *** during his divorce from *** *** and even absorbed a substantial loss taken on her van when it was totaled out of StateI respect the man, what he does, and what he believes in.Sincerely,*** * ***

In response to the complaint filed by [redacted] on August 19, 2017 I am enclosing copies of several documents that will show [redacted] as current with his account, but he has not yet completed paying for his automobile. Simply stated paying the same balance bi-weekly retires the balance faster...

than paying semi-monthly. The original loan agreement and the Amortization Schedule show the loan to require 80 bi-weekly payments of $150 each for a total of $12,000. At [redacted]'s request we amended this agreement on 7/28/2015 to reflect his new pay schedule. Since that time he has been making his payments on time and is in good standing. I have included copies of his payment ledgers from both the original agreement and the current agreement. The original payment ledger will show that [redacted] paid 25 payments of $150 each for a total of $3750 paid through that date. His last payment under the original agreement was made on 7/20/2016. His amended agreement has his first payment on 8/6/2016 some sixteen days later. Under the amended agreement he has paid 50 payments of $152.91 for a total of $7645.50. Adding the $3750 from the first agreement and the $7645.50 from the second agreement [redacted] has paid in a total of $11,399.50 which is still short of the total amount set forth in the original agreement.The payoff amount on this vehicle through business today, August 24, 2017, is now $748.50. If he were to continue paying his payments over the remainder of the loan agreement the remaining balance would be $764.55. I am offering to accept only the original total of $12,000 and will gladly reduce his balance to match that amount.[redacted] referenced the original loan agreement to arrive at the conclusion that his car should be paid for on August 17, 2017. That agreement is no longer in effect. Math will show we have only done what he requested and there has been no deception or abuse whatsoever.I have enclosed photo copies of the text messages between [redacted] and myself. It is my sincere hope that we can find common ground, make peace like two Christian gentlemen, and move on. I stood by [redacted] during his divorce from [redacted] and even absorbed a substantial loss taken on her van when it was totaled out of State. I respect the man, what he does, and what he believes in.Sincerely,[redacted] [redacted]