Monterey Financial Services

In response to the complaint received:
UI","sans-serif"">At no point in time has Monterey Financial Services refused to provide *** *** with his account information*** *** signed a contract with WAGS Financing on December 22nd, 2014, which was assigned to Monterey Financial Services Inc. In the agreement with WAGS Financing, *** *** Authorized for Direct Withdrawal, and Authorized Monterey Financial Services to debit his checking account in the amount of $for each monthly payment, starting 01-20-(attached agreement)*** *** is indeed late one payment as he placed a “stop payment” on his April 20th paymentHe is currently delinquent for the April payment in addition to applicable non-sufficient funds feesI urge *** *** to contact Monterey Financial Services toll free at *** to make the necessary arrangements to satisfy his delinquent payment and discuss any questions he may have concerning his account
Sincerely
*** ***
Finance Manager
Monterey Financial Services Inc

Very bad experience with Monterey financial!!! Even though I Was never late with a payment, paid off my debt owe to them, Monterey financial put on my credit that I owe them $942.00!!! I would never ever ever go through Monterey financial for anything!!!!! I am looking to file a complaint against this company asap!!!!

In response to the complaint received:
Despite the fact that *** *** Days Same as Cash Option of his contract (attached) clearly outlines the fact that the expiration of the Days Same as Cash was 8-18-14, Monterey has agreed to honor the day agreementAs this was
explicitly outlined in the agreement he voluntarily entered into, it is unfair of *** *** to suggest that Monterey Financial, or *** *** *** has operated under any unfair or unethical conduct. Arrangements have already been made with *** *** to pay the remaining amount to satisfy the Day Same as Cash Option, to satisfy the loan
Regards,
*** ***
Manager
Monterey Loan Servicing

In response to the complaint received:
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We are grateful *** *** shed light on potential miscommunication regarding her account, and apologize for any miscommunication she may have experienced with our officeMonterey Financial provides the billing and account services to finance providers, such as *** ***
Monterey Financial has been advised that her concerns have since been resolved directly by *** *** the company through which she holds a lease agreement. In light of this account and her concerns, we are reviewing this type of agreement and its implications with our staff to ensure they are better prepared to answer future questions
*** ***
SrManager of Finance and Quality Assurance
Monterey Financial

In Response to the complaint received:
*** *** purchased a white Maltese on 12-17-from ***, as he states in his complaintHowever, *** *** entered into a lease agreement (attached), where all details of the lease terms are clearly outlinedThe first page of the agreement
even states:
"Important Information Concerning Your Lease"
All subsequent verbiage/detail in the agreement explicitly spell out the fact that the contract is for a lease, and indicates that the Total of Payments (the amount you will have paid by the end of the Lease) is $The agreement also indicates that *** *** has the option to Buyout of his lease at any timeThese details are clearly outlined in item Early Purchase Option and Early TerminationThis information was also explained to *** *** via telephone as recently as 7-2-15. I suggest that *** *** review the terms of his agreement and contact a Monterey representative toll free at *** to make the necessary arrangements for an Early Purchase, should he choose to do so (which would save him future lease payments)
Regards,
*** ***
Finance Manager
Monterey Financial Services

In Response to the complaint received:
"margin: 0in 0in 10pt;">[redacted] did purchase an insulin pump from [redacted] on 1-28-[redacted] assigned the account to Monterey
Financial Services Incon 3-3-to act as the third party loan servicing
agent for the term of the loanThe only service fees that have been applied to
[redacted]'s account since the inception of the loan, are the $monthly service
fees, which are outlined in his agreement with [redacted]
Since the account was placed with Monterey, we have received
notification from [redacted] of the rebates [redacted] mentionsWe were notified
of a $credit on 4-5-14, and a $payment made directly to [redacted] on 6-20-14, and a $credit on 8-15-All credits were applied to
[redacted] account immediately upon notification from [redacted]None of these
credits were assessed any additional fees
The payment application of [redacted] account does apply any
excess payment toward future service feesAll future paid service fees been
adjusted towards [redacted] balance at this point, and he currently has a
balance of $to pay the account in full, if paid this monthPer Mr
[redacted]'s contract, he will be responsible for any additional monthly service
fees for any future month, where a balance remainsIt should also be pointed
out, that this contract bears no interest, and at no point in time has a
representative of Monterey informed [redacted] that any interest was deferredMr
[redacted] may reach the department supervisor, [redacted] to discuss further
Sincerely,
[redacted]
Manager
Monterey Loan Servicing

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
"">Dear [redacted]I am writing this letter in response to Monterey FInancial Services Inc. requesting payment of $1,941.00. I am requesting that this debt be forgiven. I am aware that my initial contract stipulated payment of $for a period of 90-days. My last payment was two days late due to illness.I am under strict doctors care for the treatment of Lupus. Although I feel fine health wise most of the time, there are times when it comes out of remission. At these times the medication taken to stabilize my platelets causes me to be incoherent. I have statements from my doctor to validate if needed.I phoned Monterey FInancial Services on January 27, to inform them that payment could be taken. Payment was processed on January 28, 2015.Thank you for your assistance in this matter[redacted]

[redacted] placed an account with Monterey Loan
Servicing on 10/21/for [redacted] as the responsible party for the
purchase of an insulin pump
""> After
insurance paid their portion, the remaining balance was set up on monthly
payments to be paid on the 16th of each month in the amount of
$50.34. [redacted] stopped making
the payments after 4/22/and the defaulted balance was placed with Monterey
Collections on 11/21/11. We made
multiple phone calls from 12/1/until 1/26/before [redacted] called
our office. She called in on 1/27/and
stated she needed to get a new pump for [redacted]We informed her we could not
release a hold until the balance in full was paid. She stated her husband had left years ago and
was supposed to have paid for the pump.
We informed her she needed to try to borrow the money to pay the
collection balance prior to releasing the hold.
She stated she would obtain the pump from somewhere else.
We attempted to follow up with her multiple times after
1/27/and she finally returned our call on 4/6/15. She stated she needed a new pump for her son
and requested we release the hold. She spoke with a collections representative
who informed her that the balance in full needed to be paid in full to provide
a permanent release. She requested to speak with the supervisor and
the call was transferred to me. I
informed her that our policy states the balance in full has to be paid before
we will provide [redacted] with a release of the hold. I suggested she needed to try to come up with
the money by borrowing from friends or family, taking out a second job, or make
monthly payments until the balance was paid.
She refused to listen and claimed she could not afford to make any
payment whatsoeverI empathized with her
situation, however I informed her I could not waive the $balance and
until it was paid we could not inform [redacted]s that the account was paid in
full and in turn release the hold placed on the account. We attempted to contact her again and she
returned our call on 4/30/15. She stated
she could not afford to pay anything and would figure out a way to get a new
pump for her son. She stated she was not
responsible for the balance and would not pay for it.
Unfortunately [redacted] is apparently out of the
country and we are not able to reach him to collect the balance due on the
account. Since there is a defaulted
balance open in Collections with [redacted] as the minor, we cannot provide
[redacted] with a release as our agreement with [redacted]s is that an account
must be paid in full to provide a permanent release which we explained to [redacted]. We informed her if she
were to make payments we could provide a temporary release, however she refused
to do so. The debt is not in her name
and she cannot expect us to release a hold when there is a defaulted balance
still due. If [redacted] wants a
new pump through [redacted]s for her son, I strongly encourage her to find a way
to pay the defaulted balance so we can release the hold. Should you have any further questions, please
feel free to contact me
Sincerely,
[redacted]
Collections Manager

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I am rejecting their response.  I purchased a Maltese from [redacted] and was under the impression when I signed the contract that it was for the purchase price of $1999.99 plus interest for 14 months.  [redacted] the person selling me the Maltese told me that I was approved for $5,000.00. [redacted] then said, “I could buy a few more dogs.” I told her to just finance me for the Maltese.
After being there for over 2 hours, there were all kinds of confusion with getting the sale to go through my email address. They were having a hard time sending me information.  So, we did it over the phone and the papers were faxed to the store. By this time my patience was exhausted so that when they started putting papers in front of me; I initialed them and never did anyone ever told me I was financing for 5K or that I was leasing this Maltese.  Again, I have a bill of sale that says, “SOLD PRICE $1,999.99.  The entire transaction was very misleading and lacked transparency.  I don’t know why I wasn’t given a copy of the contract when I left the store.  If I had the contract I would have had time to look it over more clearly when I got home.  I would have gone back with either with the Maltese or would have insisted upon them honoring what they had told me about the 14 month payment plan.
Next Point – I have more paperwork that shows me that this dog’s pedigree is supposed to be a pure breed Maltese.  Maltese are small dogs.  My dog is only 9 months old and is over 10 pounds.  I don’t think it is a pure breed.  So, I went online to find a test kit that I can buy for $70.00 from Amazon.  I plan to purchase this kit and test my dog.  The results will take about two to three weeks.  [redacted] or [redacted] is fraudulent and a reasonable cash outcome can’t be agreed upon, I will hire a lawyer and will go from there.  Again, I am willing to honor the deal I was told on the day of the Sale.  I don’t know what terrible person or persons came up with greedy and dishonest business practice, it is wrong.
Also, I have spoken to 2 other people that had the same problem with [redacted] and [redacted].  One person purchased a TeaCup Yorkie.  These dogs are small dogs but within the first few weeks the dog was getting bigger.  She went back to [redacted] and they told her she can return the dog.  She said I will not, you can refund me my money.  She had to hire a lawyer to get $1500.00 back from the company.  This needs to stop.  This company needs to held accountable and not be allowed to keep scamming customers.
What it all comes down to is, I want a fair deal.  I pay all my bills but it has to be fair.  A month ago when this came to light I continued to pay and I will until the 14 months are done.  The only difference is I will pay with a check mailed to [redacted]/Monterey Financial Services, CA and I am requesting a statement in return.  I am cancelling the automatic withdrawal with my bank.  I don’t trust [redacted] or Monterey with access to my money.
Regards,[redacted]

I proactively contacted Monterey because the money for my payment was still in my account. I wanted to provide a debit card because due to fraudulent activity my bank blocked ACH debits using my checking account number. The lady advised me that there would be a 25.00 return fee for NSF. It was not a NSF. They finally realized that but still wanted to assess 15.00 to change from checking to debit. I added the additional money to my account to cover the 15.00 and paid online. The lady I spoke to the second time said it would be another 25.00 BECAuse the debit was declined. REALLY I PAID ON LINE......this has been the WORST EXPERIENCE EVER. They called my cell and I couldn't answer. THEY CALLED ALL OF MY REFERENCES. REALLY??? There should be a time lapse if they have not heard from the customer then start with the unprofessional aggressive collection!!! I ABSOLUTELY would rather sit on the floor, go sell my body do whatever was necessary to get the things I need than to EVER use this program. Because it is a program for those with less than perfect credit they group everyone into the same category.

Monterey Financial agrees that the account was paid in full
on August 08, 2014. Prior to paying the account in full Monterey Financial did
not receive a payoff request from [redacted] and this caused an
over-payment to be made on the account. Had [redacted]...

[redacted] contact us prior
to attempting to make a payoff amount, as instructed on our coupon books and
other correspondence, we would have been able to provide an accurate payoff
amount. Upon contacting our office on September 03, 2014 [redacted] was notified
of the procedure for excess payment being refunded. Our standard procedure is to process excess payments each month following the month the payment is received to ensure funds clear and no disputes are received from the consumers bank.
 At no time during the conversation on September 03, 2014 did [redacted] request a refund be sent sooner, had she done so a refund would have been requested
immediately.
As of today I have requested for a refund check to be issued
in the amount of $38.49 and mailed to the most recent address we have on file for [redacted]. We apologize for any confusion or frustration this has
caused. Should you wish to discuss this matter further, please feel free to contact me directly, [redacted]
 Sincerely,
 [redacted]
Finance Manager

On 12/1/15 an account for [redacted] was placed with Monterey Financial for a deferred down payment on her [redacted] account. She was to pay in full the balance due on December 20, 2015 via electronic transfer on her card ending [redacted]. We attempted to draft the payment from this...

card on December 20, 2015 however the payment declined.
We spoke with [redacted] on December 24, 2015 and she assured us the money was there and authorized us to draft again from the same account that day. Unfortunately the payment declined a second time. After several unreturned phone calls to [redacted], the defaulted balance was placed into Collections on April 29, 2016 under account # [redacted].
On June 6, 2016 [redacted] called our office and set up payment arrangements to satisfy the defaulted balance splitting the payment into two amounts – scheduling half on June 24, 2016 and the remaining half on July 8, 2016. On June 21, 2016 [redacted] called our office and stated she received a new card and changed the payment method to a card ending in [redacted]. The June 24th payment drafted successfully.
On July 6, 2016 [redacted] called in and stated she was having financial issues and needed to reschedule her payment. She then stated she would leave the payment set up on her collection account [redacted] and alter her payment arrangement on her main account ([redacted]) instead. Her July 8, 2016 payment for account [redacted] declined. [redacted] returned our call on July 11, 2016 and claimed that her payment should have gone through.
We informed her that the payment declined and that there would be an insufficient funds fee. [redacted] became upset and demanded we waive the fee. We informed her that she was due for the fee and we would not waive it. [redacted] set up a payment on July 11, 2016 which declined. [redacted] called back on July 13, 2015 and spoke with the Collection Supervisor who waived a fee as a courtesy and set up the payoff for [redacted] on July 13, 2016 on a new card ending in [redacted].
Unfortunately this payment declined as well. [redacted] has had 5 payments declined on this account and is due for $292.50 to pay in full the balance. Due to the excessive declined card payments, we will no longer accept card payments on her account. Furthermore, her main account ([redacted]) is currently 75 days past due for the amount of $236.20. We will not waive any further fees for [redacted] as per the terms of the contract she is due for them.
Account [redacted] will continue to report to the credit bureaus as a disputed open collection account. I strongly encourage [redacted] to obtain certified funds and pay the defaulted balance on [redacted] as well as call our office to make arrangements to resolve her past due account ([redacted]).
Sincerely,
[redacted]
Collections Manager

Monterey collection is a sleezy bunch of liars. They use unethical collection practices to scare people into paying debts that have already been paid. I sent them the cancelled check on a debt they were trying to collect from me. It was paid to the subsidiary that did the billing for the company. They said "too bad , because it's not to the company, you still owe the $". If this were true, many of us would owe our credit card companies hundreds of thousand of dollars since many use servicing companies. They also said companies never have to bill you. They can just send you to collections and ruin your credit. You have to know every person that might bill you in surgery, how much they will bill and where to send the money even though you would never know this information...what lab is used, etc. they will say anything to make you pay even if it's not your debt.

As previously stated, we contacted our client, Resorts Anytime, prior to the account being sent to collections and [redacted] at Resort Anytime confirmed that the account was in fact not cancelled.   Any cancellation process must be done in writing and Mr. and Mrs. [redacted] do not have any proof that they even attempted to cancel, let alone do so in writing within the allowed time frame.  This was explained to them prior to the account being written off to collections.   In reviewing the membership agreement, Retail Installment agreement and promissory note all of the signatures seem valid and consistent so I am unclear as to how Mrs. [redacted] can claim fraud.  What agent did they speak with that they claim told them they could cancel at any time?  Furthermore they could have cancelled within the 3 day cancellation period as they did not need the membership number to cancel.  The retail installment agreement stipulates that prior to signing the agreement, the debtor has read and received a legible copy along with a copy of every document signed during the contract negotiations.  Regardless, the debt is valid and not cancelled per Resorts Anytime and Mrs. [redacted] does not have any proof otherwise.  The defaulted balance of $2825.37 as of today will continue to report as a disputed open collection account.
 
In an effort to resolve the complaint, I will be willing to remove the credit reporting and offer a settlement of 50% of the payoff balance if paid by 5/15/14.  I urge Mr. and Mrs. [redacted] to consider this generous offer and contact our office at 877-775-3091 to set up the arrangements to satisfy this defaulted balance.
 
Sincerely,
 
[redacted] D. [redacted]
Collections Manager

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.Monterey Finicial or [redacted] are now playing games. I have left messages with Monterey Finicial, before my date!!! I know this. I do plan to get my records, somehow and when I do I will sue because this is so ridiculous. Why are you people lying? Do the people really not do their jobs at Montetey or is this 100% scam?????? I am not the first person, who has complained about this company.
Nor, will I be the last! NOBODY RETURNED MY MESSAGES!!!! THE MANAGER AT [redacted] COULD NOT GET AHOLD OF MONTEREY FINICIAL EITHER AND THEY ARE BUSINESS PARTNERS!! WHAT THE HECK DOES THAT TELL YOU?!??!?!?!? I CALLED AND LEFT MESSAGES!!!!! I WOULD HAVE LOVED TO PAY MORE THAN MY 95.00 A MONTH IF YOU GUYS DIDN'T HAVE IT ALREADY SET. I CALLED AND CALLED FOR YOU GUYS TO TAKE OUT MORE!!
I KNOW SOMEONE HEARED MY MESSAGES! SERIOUSLY, EITHER LAZY PEOPLE WORK HERE OR YOU GUYS ARE JUST A SHADY SPOT. IT'S REALLY ONE OR THE OTHER BECAUSE I CALLED! I WILL NOT PAY YOU GUYS $1,000 SOMETHING BECAUSE OF SOMEONE ERROR!!! I KNOW MY PAY OFF AMOUNT AND ITS RIDICULOUS!! I KNEW IT WHEN I GOT MY CONTRACT! I SAID IT WAS RIDICULOUS. AS SOON AS THE "5 DAYS" PASSED, I CALLED.. I LEFT A MESSAGE! 
Regards,[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
First, Monterey Financial's offer to send a refund check at the end of September for an account paid off almost two months prior is simply the company following its own unreasonable policy, so that would've happened regardless of my complaint.
Second, [redacted] letter is riddled with inaccuracies which I wish to address...
A payoff WAS requested. Monterey Financial's refund amount was the least, and therefore, most accurate of the 4 loans that I refinanced. Of the four loans that were closed out, Monterey Financial was the only company to hold on to the overage for almost two months.  I feel that Monterey Financial's policy is outside the norm and unreasonable. Surely, it doesn't take 2 months to do the accounting.
[redacted] admits that I made a phone call to Monterey Financial long after the account was paid off, yet states that I never asked for a refund. What other purpose would I have been calling for other than to ask for a refund? I was due a refund, I shouldn't have had to ask!  When the customer service rep stated the company's policy of not processing a check for an over payment til the end of the month following the payoff, I said that that was an unreasonable amount of time and asked if it could be sent any sooner.
In summary, I followed the same procedure to refinance 4 high interest loans and only Monterey Financial did not issue a refund for an unreasonable amount of time. I called to find out what was taking so long and was informed of Monterey Financial's unreasonable policy and that I would have to wait like everyone else whose money was being held onto for months. I filed a complaint with the Revdex.com, not because of the small refund, but because of Monterey Financial's unreasonable, deceptive way of doing business. Monterey Financial's [redacted] responded with 2 lies, essentially blaming me to cover up the unreasonable policies of this company, further illustrating the lack of ethics at the heart of this company. By the way, it's almost October and I have yet to receive a check.
While I may have no legal right to demand that Monterey Financial change its policies, as a business owner and former customer who was left with zero faith in this company, I request that Monterey Financial's upper management review their refund policy and make appropriate changes. I also request that [redacted] receive some training. Accountability and reputation are everything with customers! Never ever lie!! Always provide excellent service. For goodness sakes, don't burn a bridge by quibbling over $38! C'mon Monterey Financial, you CAN do better!
Regards,
[redacted]

In response to the complaint received:
Ms. [redacted] did...

purchase a Bedroom, Living Room, and Dining
Set through [redacted] on July 1st, 2014 (copy of contract
attached). The financing terms are clearly outlined, and Ms. [redacted] did have a
90 Days Same as Cash Option, which expired on 9-29-14. Ms. [redacted] did not take
advantage of the Same as Cash Option per the terms of the contract, but is
still entitled to an interest rebate as she states, which is also clearly outlined under the “Prepayment”
portion of her Retail Installment Contract.
At this point, the balance outstanding is $1,246.63, and Ms.
[redacted] is entitled to an interest rebate/discount on the balance outstanding,
based on the Rule of 78ths. So long as the amount of $925.90 (plus the $25 acquisition
fee) is paid by 12-31-14, Ms. [redacted] will be entitled to a rebate of $320.73. Ms.
[redacted] would benefit from reviewing the repayment terms outlined in the contract
which I’ve attached, and I urge her to contact our office toll-free at
###-###-#### to make the necessary arrangements to take advantage of her early
payoff and maximize the amount of the interest rebate she is afforded in the
contract terms.
Sincerely
[redacted]
Manager
Monterey Financial Services Inc.

On November 25, 2013 Ms. [redacted] voluntarily financed a
gas range and television. The...

financed contract was subsequently purchased by
Monterey Financial. I have attached a copy of the contract for review.
The agreed to finance contract had a same as cash option, listed
on page 1 of the attached under the section labelled “90 DAYS SAME AS CAH
OPTION.” The clause states that “… If, within the first 90 days, any scheduled
payments are not made on a timely basis, or any payments are returned for any
reason, the 90 Days Same as Cash Option shall not be available to Buyer and
interest hall be computer and assessed from the date Buyer signed this
contract.” As [redacted] stated in her complaint she cancelled a payment,
thereby voiding her same as cash clause. The same as cash option, if it was not
voided, would have expired on 02/23/2014 not 02/27/14 as stated in her
complaint.
The initially contract stated that her first payment would be
due on or after 12/25/13. This can be seen on the page labelled FlexPay Plus
ACH debit authorization in the attached. The initial letter we sent [redacted]
stated that, we had set her account up on the scheduled due date and indicated
that the first payment would be due on 01/01/14. This gave [redacted] 6 extra
days to make her first payment and afforded her extra time to ensure she had
the funds available for the scheduled draft date of the 1st of the
month.
The attached transaction history confirms that the 02/01/14
payment was returned by [redacted]’s bank in addition to confirming that as of
02/23/14 the original amount financed was unpaid. To date [redacted] has paid
$252.68 toward principal on an original amount financed of $670.93. [redacted]
still qualifies for an early payoff discount as outlined in her finance
contact. I apologize if [redacted] felt the representative were rude for not
allowing her pay her same as cash price. Unfortunately the terms of the
contract are very specific and do not allow for this exception. As of today Ms.
Medley’s contract is 5 days past due as she also placed a stop payment on the
March 01, 2014 payment.
I strongly urge [redacted] to contact my office to discuss the
remaining balance owed on this account in addition to discussing her defaulted
contract for [redacted] Furniture that is with our collection agency. The [redacted]
furniture account has a defaulted balance of $1,123.76 and remains unpaid since
2005. The account has been assigned to our legal team for breach of contract,
but we would be willing to discuss voluntary repayment should she contact our
office by 03/21/14. Failure to do so could result in advising our legal team to
continue their pursuit of judgment on the default contracts.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear 
 
The default clause that is referenced in the business response from Monterey financial is a non legible possible group of words that looks to be that of a stamp of some sort.  When this information was placed on the original agreement, we do not know as it is not dated . If that is the clause that dictates the actions by Monterey, how do they know what it says. I can not read it, nor was it provided or communicated to me in a seperate letter when they communicated that they were taking over the contract from [redacted] This clause and its stipulation have been spoken to but there is not written verbiage other than a non legible stamp.  When asked to produce this contractual verbiage, they were unable to do so.  We have repeatedly asked what states that you will charge a daily fee on an amount in collections and all that Monterey could provide to us was that they were following what the contract states. 
 
If we are to be held accountable we must be in knowledge of what to be accountable for.  We have been charged additional money that we were unaware that we would be charged.  We were told that there were no other options to resolve something that we had no knowledge of and should not be held accountable for. 
 
I request that Monterey Financial work with us to properly resolve the true amount owed on this debt and not threaten us with further actions of not resolved. There are further actions that we can pursue as consumers to protect our rights. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will reach out to [redacted] tomorrow in hopes of termination. I also want to state that there was no printed copy given by [redacted] of the contract. It was all done over an iPad/cellphone and that when I spoke with [redacted] myself he even told me he was unaware that it was a lease and that I would have to be paying basically to rent a cat.
Of course he's going to tell you otherwise but anyways I'll reach out to [redacted] tomorrow and hopefully we can get this resolved. The cat is in a safe home with an owner that has other Bengals and I have pictures of the cat from the new owner to prove that fact. I only turned to selling the cat because I could no longer afford to keep him.
Regards,
[redacted]