Tell This is in response to the compliant filed by Ms*** ***, concerning the return of the Honda Civic she leased from Hann Financial ServiceThis was a month lease that is scheduled to mature on May 10, The terms of the lease agreement state the Lessee is responsible to
repair and maintain the vehicle during the lease term and state the conditions that are deemed to be excess wear and damageTransport records show the vehicle was picked up from the Ms*** residence on May 25, 2017, the transport driver notes damage to the vehicle prior to loading the vehicle onto the truck for transportThe vehicle was delivered to Hann on the same date with no new damage added to the vehicleThe vehicle was inspected by a licensed NY state vehicle damage appraiser on May 30, The appraiser found damage to the front and back bumpers along with a dent to the driver side quarter panelThe estimate to restore the vehicle to an undamaged condition totaled $1,Pursuant to the terms of the Lease Agreement, Hann applied $to the account for a damage waiverAccordingly, the remaining damage charge is $870.30; plus required NJ Sales Tax.The Lease Agreement also contains a $disposition fee that is assessed when the vehicle is returned to Hann possession at the end of the lease termBecause the vehicle was returned, the fee was assessed to the account.Hann provided notice on April 5, 2017, approximately days before the end of the lease term and prior to the vehicle being scheduled for return, advising that the vehicle would be subject to inspection and assessment of a damage charge when the vehicle was returned to Hann possessionThe notice further advised of the right to have the vehicle inspected, at her own cost, up to days prior to the return or within days after receiving the statement from HannMs*** also had the option to have the vehicle repaired prior to the return to avoid being assessed for damage.The damage is evident and cost to repair has been determined by a licensed appraiserMs*** did not effect repairs to the vehicle, has not provided an appraisal done prior to the return and did not request to have the vehicle an appraisal within the time allowed after the returnThe charges assessed to the account have been confirmed for accuracy and all credits allowed and received have been applied; the remaining balance due is $1,379.81.Should you have any additional questions or concerns please do not hesitate to contact me directlyRegards, us why here
Hann has agreed to waive over $1,in damage to this vehicle as a courtesy to our lesseeThe damage appraisal submitted to Hann by a licensed appraiser indicates damage repairs totaling $1,The consumer is offering only his opinion of what he expected would be the repair costThe appraisal report, supported by photographs shows damage to the back bumper, the left quarter panel and two wheelsThe offer to settle the account for $will not be reduced further
This is in response to the compliant filed by Mr*** *** concerning the charge for damage assessed to an automobile lease account between *** *** and Hann Financial ServiceThis account began as a month lease of a Honda AccordThe Lease Agreement between Hann
Financial Service and *** *** defines conditions that would be considered excess wear and tear, as any damage in excess of $The damage appearing to the front bumper and the left front wheel cover are defined as excess wear and tearThe lease term was scheduled to ended November 20, On September 7, Hann was notified that the vehicle had been left at *** *** and was available for pick upThe vehicle came into Hann possession on September 15, and was inspected for damage on September 16, On September 20, 2016, Hann issued an end term statement for this account showing an amount due of $2,The balance represents the total of the $disposition fee; $remaining lease payment; $2,damage, less $as the damage waiver; $over-mileage; and $NJ State sales tax on the damage and over-mileage chargesAlso on September 20th, Hann received and posted a payment from *** *** in the amount of $1,016.81, the remaining account balance is $1, The damage shown on the appraisal report is confirmed with the Bill of Lading from the transport carrier showing heavy scratches across the roof, crack in the front bumper, and multiple scratches to the right side of the vehicleAttached is copy of the appraisal report, Bill of Lading and current statementThe appraisal report shows a fair estimate for the cost to repair and restore the vehicle to an undamaged condition
This is in response to the compliant filed by Ms*** ***, concerning the charge for damage assessed to an automobile lease account between the consumer and Hann Financial ServiceOn October 21, 2016, Hann issued an end term statement for this account showing an amount due of $The
balance represents the total of the $disposition fee; $damage, less $as the damage waiver, and $NJ State sales tax on the damage chargeThis account began as a month lease of a Mazda The Lease Agreement between Hann Financial Service and *** *** defines conditions that would be considered excess wear and tear, as any damage in excess of $The damage appearing to the front bumper and the left front wheel cover are defined as excess wear and tearIn an effort to amicably resolve the account Hann agreed to remove the replacement cost of the wheel cover and reduce the damage charge to $251.42; accordingly the tax amount reduces to $The total amount now due to resolve the account is $
*** adds the purchase premium to vehicles that have an increased market value. No premium is added to vehicles where the market demand decreased the value to below the residual or where the residual and market value are the sameAs the consumer has no ownership interest in the vehicle; how the vehicle is disposed at the end of the lease term has no bearing on the consumer's interests.The Lessee certainly has the option to purchase the vehicle from *** at the contract price and then trade it in for whatever advantage the third party dealer offersThe Lease Agreement only obligates *** to sell the vehicle to the Lessee for the contracted price, it does not require that we sell *** property to third parties for the same amount
Good afternoon, This is in response to the compliant filed by Mr*** ***, concerning the third party purchase option for the Jeep Wrangler he leased from *** Financial ServiceThis account began as a month lease of a Jeep WranglerThe cost of the vehicle, residual value and
monthly payments were agreed to by the parties at the Sansone Jeep dealership and are binding to the partiesAt the consummation of the Lease Agreement, *** purchased the vehicle in full from Sansone Jeep and became the titled ownerPursuant to the terms of the lease agreement, Mr*** is obligated to maintain the condition of the vehicleThe purchase option as defined in the Lease Agreement consists of the remaining lease payments; the residual value, early termination charge and a $purchase option feeThese costs as of today total $26,Due to the lease financing, the monthly lease payments do not build consumer equity in the vehicle but merely provides for the rental use of the vehicleAny equity value or loss caused by changes in the market conditions rests with *** as the vehicle ownerIn this instance, the market conditions for this vehicle have changed since the lease inception which increased the value of the vehicle over the stated residual valueWhile *** is obligated to sell the vehicle to Mr*** at the price set in the Lease Agreement, *** is not obligated to extend that price to any third party(*** will extend the consumer price to the originating dealer, Sansone Jeep, as this dealer was also party to the Lease Agreement.) Likewise, if the market value for this vehicle deceased causing it to be valued less then the residual value, *** would absorb the loss in sale value if the vehicle was returned to *** and ultimately sold for less then the residual valueRegards, *** ***
Thank you for clarifying your complaintI apologize for the noise, unfortunately tow trucks are not quietThis would still qualify as a peaceful repossession, because to the best of my knowledge, there was no argument over the taking of the vehicle or breach of locked property. Further, in this instance actual notice of repossession was not sent because the vehicle was redeemed the vehicle the same day that Hann was notified that the vehicle had been taken backHad the vehicle not been redeemed, notice of repossession would have been sent by UPS and regularThe notice that was issued in this instance was a notice of reinstatement; which is required in the state of NYThis notice is sent by regular and certified mail and was put into the mail the day as the repossession/redemption
Complaint: ***
I am rejecting this response because:
Hann's response "Due to the amount of time that has lapsed from the time this account was assessed; the account has been assigned to outside counsel for collection of the outstanding balanceIt is my understanding that this matter will be or is the subject of open litigation, therefore no additional statement can be made at this time." makes no sense to me Too much time has passed for them to clear up the matter, but not to litigate against me? I still maintain that Hann did not allow for me to view the car, to get a 2nd appraisal on what they considered to be substandard work or get a payoff amount Their bill was sent to me in December of I waited to file this claim with the Revdex.com because I was hoping to clear it up without having to take this route My calls to their HQ in New Jersey were rerouted and messages were left unreturnedWhile I was awaitng a return phone call, I started receiving mailings from a law firm with language that they were attempting to "collect on a debt" To be quite honest, I thought it was a scare tactic, and not something that Hann was actually going to turn over to litigation Again, I was still awaiting a call back from the company at this time. I further ascertain that if upon speaking with someone at Hann, I got the impression that these charges were in fact, valid, I would have asked for a payoff amount for the car Even though I know the payoff amount would have been higher than the bill, I potentially would have made the decision to purchase the vehicle in lieu of paying $to go to absolutely nothing I was not offered that opportunity
Regards,
*** ***
Good afternoon, In response to the compliant filed by Mr*** ***, concerning the registration renewal and property tax payment for his leased vehicle, I contacted Mr*** by phone and explained the registration renewal was timely mailed to the address Hann has on file and was not
returned by the post officeFollowing his phone contact with Hann customer service yesterday, August 1st, a Power of Attorney had been mailed to his new address, to facilitate his ability to renew the registration with local Motor VehiclesA second Power of Attorney was sent to his attention via overnight AM delivery to further assist in the quick resolution to this issueFinally, we discussed the Property Tax payment to the Town of Warwick RIIt was explained to Mr*** that Hann pays the property tax assessment based on the annual amount for ease of processingHowever, he can pay the reimbursement to Hann in installment amounts with no effect to his creditMr*** was advised to contact me directly if he as any additional questions or concerns with his account
This is in response to the complaint filed by *** *** concerning the return of a leased vehicle and end term assessments to his account with Hann Financial ServiceI apologize for the difficulties experienced with the return of the leased Honda CR-VUnfortunately this lease
expired during a period of high return volume, which caused the transport to become backloggedThe Lease Agreement entered into by Mr*** requires the vehicle to be returned directly to Hann possession; not to leave the vehicle at a dealership because the Lessee remains responsible for the condition of the vehicle until it comes into Hann possessionRetrieving the vehicle directly takes a dealership out of the middle for a more streamline return processRecently, there were higher then returned vehicles, which corresponds to the high number of lease inceptions at about the time this lease originated in September It is unfortunate that the transport could not schedule the pick up at a more reasonable timeTransport records show that the vehicle was picked up on December 16, at 12:AM and delivered to Hann possession the same day at 10:AMThe driver notes that no damage occurred in transitThe transport driver is not able to issue a condition report of the vehicle, as the driver is not a licensed auto appraiserHad the pick up occurred with Mr*** present he would have left a receipt for the vehicleHann issued a statement showing an amount due of $2,on December 22, As required by NY State Leasing Regulations, the statement was delivered to the post office for Registered Mailing on December 23, As of July 1, 2017, Postal records show the mail is in process of being returned to Hann as being held for the required number of days unclaimedHann records show a day past due notice was sent on January 25, followed by and day notices of the outstanding balance sent on February and March 27, In addition, calls were placed by Hann to Mr***’ home on January 18, and February 23, 2017. The outstanding charge relates to excess wear and damage found on the vehicle totaling $2,420.01, less $for a damage waiver contained in the Lease AgreementThe damage charge is taken directly from an appraisal report provided to Hann by 1st Alert Appraisal; which lists repairs necessary to restore the vehicle to an undamaged conditionAreas of damage include the front bumper, left fender, right rear door, rear bumper and lift gateIn addition to one wheel requires reconditioning and a key is missingThe appraisal report includes photographs of the vehicle that document the condition of the vehicle and the damageHann sent notice to Mr*** on August 10, advising of the approaching end of the lease term and reminding him the vehicle would be inspected for damage on its return to Hann possessionPursuant to NY regulations Mr*** had the opportunity to have the vehicle inspected by his own appraiser up to days prior to the returnNotice of this right was also mailed to Mr*** on November 7, Further, because Mr*** had an obligation to repair and maintain the vehicle while in his possession, repairs could have been performed at any time prior to the return at his own cost and expense at a facility of his choosingThe account was assigned to outside counsel because of the aging of the unpaid balanceCounsel has been advised to hold collection efforts on this file to afford Mr*** the opportunity to contact Hann to amicably resolve this account. Should you have any additional questions or concerns please do not hesitate to contact me directly
This is in response to the compliant filed by Mr*** ***, concerning the charge for damage assessed to an automobile lease account between the consumer and Hann Financial ServiceI apologize for the scheduling delays associated with the return of the Altima to Hann possessionHann is
aware of the of the problem and is actively working to ensure the transport carrier is taking necessary steps to correct the issuesIn addition I sorry to learn that Mr*** did not receive a more professional response from Hann representativesBecause Hann is a customer service business, we pride ourselves on our ability to address the concerns of our customers in a manner that befits our company valuesI apologize for the conduct of these individuals and have brought this issue to the attention of appropriate senior level managersPursuant to the terms of the Lease Agreement any damage in excess of $is considered excessiveMr*** was advised that the vehicle would be inspected for damage on its return to Hann possession and his right to have the vehicle inspected by his own damage appraiser prior to returning the vehicle to HannMr***, chose not to have the vehicle inspected or repairedThe transport driver is not a qualified damage appraiser; and as such is unable to render a condition reportThe photographs and comments of the transport driver were added to the carrier’s Bill of Lading to protect the carrier from claims that damage occurred during transportWhile the driver only noted damage to the back bumper; the picture of the rear fender by the fuel door, shows the same dent depicted in the appraisal photographsThe vehicle came into Hann possession on December 20, 2016; with no additional damage notedThe damage appraisal was performed by *** *** *** *** on behalf of Hann on December 22, and included photographs of the damage areas noted in the reportPlease note the report lists the work needed to affect the repairs, not a list of damage partsA statement listing the end term charges was prepared on December 28, and included a $Disposition Fee, which is a chargeable item in the event the vehicle is returned to Hann possession at the end of the lease term; $1,damage, taken directly from the appraisal report and offset by a $damage waiver included in the terms of the lease agreement, $accumulated late and other charges, and $sales tax on the damage charge. The statement was mailed to Mr*** by Register Mail (as required by NY State Law) on December 29, 2016; postal records indicate delivery was attempted on January 4, 2017; no one was available to sign the receipt and a notice was leftAs of today, the mailing has not been retrieved from the post office Hann records show Mr*** spoke with Hann on February 3rd; following the issuance of a past due noticeCopy of the statement and condition report were supplied to Mr*** by emailBecause of the amount of time that lapsed between the vehicle being returned to Hann and the request for a second appraisal; Hann is unable to make the vehicle available, because the vehicle is well in the process for disposalFurther, because the vehicle has been in Hann possession for an extended period, the current condition may not be reflective of the condition of at the time the vehicle was first returnedA subsequent conversation with Mr*** on February 13th resulted in a settlement offer from Hann in the amount of $653.87; this amount included the disposition fee, late fee and sales taxIt is Hann contention that this is a fair settlement offer because the damage has been confirm by two independent sources and is adequately documentedShould you have any additional questions or concerns please do not hesitate to contact me directly
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
im still not satisfied with result and think this company is out of their mind But they've left me with no choiceMy whole argument in the 1st place is they didn't care about a medical issueThey would not give me an extension to get another appraisal done
Regards,
*** ***
This is in response to the compliant filed by Mr*** ***, concerning the payment due date for his automobile lease account with Hann Financial ServiceThis account began as a month lease of a Nissan PathfinderThe Lease Agreement was signed on July 31, Because there are
months with fewer than days, Hann pushes the due date forward to the 1st day of the following monthThe benefits of this practice is to prevent a payment falling due on a date that does not exist and gives the consumer the extra day for the payment due dateThe first lease payment was remitted when the lease was signed on July 31, 2014; consequently the next payment would have then been due on August 31, 2014; however because of the Hann practice of moving that date forward, Mr*** 2nd payment actually became due on September 1, The Lease Agreement allows for a day grace period from the due date before a late fee is assessed to the account. In reviewing the payment history for Mr*** account it appears he remits payments through a bill pay service; however payments are not received on the same date each month and are frequently received after the expiration of the grace period. There are several options available to avoid late chargesFor instance, Mr*** can schedule a reoccurring payment through his bill pay service to a date prior to the 10th of the month to ensure the payments are received prior to the end of the grace periodHann also offers several payment options, such as ACH; online and phone paymentsACH service, will automatically process the payment each month on the due dateOnline or phone payments can be directed to process the payment immediately or on a scheduled dateHann may also, at Mr*** request, move the due date forward or back by days, to make the payment better fit into his budget planTo take advantage of any of the Hann assistance processes, Mr*** must contact Hann Customer Service Department, our representatives will be happy to assist in setting up either the ACH or due date change, as well as give step by step instructions for use of the online or phone optionsPlease contact me if you have any additional questions or concerns about Hann policies or practices
This is in response to the compliant filed by Mr*** ***, concerning the charge for damage assessed to an au***obile lease account between the consumer and Hann Financial ServiceThis account began as a month lease of a Mazda The Lease Agreement between the parties defines
conditions that would be considered excess wear and tearThe vehicle was returned to Hann with excessive wear and tear damageMr*** spoke with Mr*** *** of Hann Financial this morning whereby an agreement to settle the outstanding charge was reachedShould you have any questions or need additional information, please do not hesitate to contact me
Four payments of $- $= $1158.42. You are giving an automated system credit for rounding up an amount up that it is not programed to reportThe current due is the current due, not payments that are not yet due. The Hann system is not programed to give out the information you claim you heardI'm suggesting you call a different lender on a different account
Mr***, this is not the forum to discuss settlement of the outstanding chargesAs previously discussed the costs shown on the end term statement are within the terms of the lease agreement and Hann policyPlease contact me directly in order for us to a amicable resolution
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***
This is in response to the compliant filed by MrMark D***, concerning the charge for damage assessed to an automobile lease account between the consumer and Hann Financial ServiceThis account began as a month lease of a Jeep LibertyThe Lease Agreement between Hann Financial
Service and MrD*** defines conditions that would be considered excess wear and tearThe vehicle was returned to Hann with excessive wear and tear damage in addition to unrepaired collision damageHann has reviewed the Bill of Lading submitted by *** *** to *** *** ***, which is supported with photographs taken by MrF* at MrD***’s home on February 12, The photos are noted with damage to the vehicle in the photos marked “Driver Front” and “Driver Rear”; in addition although no damage is noted, a picture of the hole in the passenger seat in included under “Miscellaneous”The picture of the key shows only one key was returnedThe vehicle came into Hann possession on the February 14, 2016; with no additional damage notedThe damage appraisal was performed by 1st Alert Appraisal Service on behalf of Hann on February 17, and included photographs of the damage areas noted in the reportPlease note the report lists the work needed to affect the repairs, not a list of damage partsA statement listing the end term charges was prepared on February 26, and included a $Disposition Fee, which is a chargeable item in the event the vehicle is returned to Hann possession at the end of the lease term; $1,damage, taken directly from the appraisal report and offset by a $damage waiver included in the terms of the lease agreement, $accumulated late and other charges, and $sales tax on the damage chargeThe statement was mailed to MrD*** on March 4, 2016; and received on March 8, Hann records show MrD*** contacted Hann on March 11th; when he spoke with James, further that copy of the condition report was emailed to MrD*** at that time, however notes the email address as lmd***@*** On March 23, 2016, Hann received a letter from MrD*** concerning the damage chargeIn response another copy of the appraisal report and chart of the difference between and excess wear were emailed to mhd***@*** Then on May 2, 2016, Hann received a voicemail message from Lisa D*** stating that a day past due notice was received, but that they did not receive response to a certified letter had been sentA return call was placed on May 3, 2016, Michael spoke with Lisa, and another copy of the appraisal was emailedLisa was to discuss the damage with her father and call back the later in the day or tomorrow. No further communication is noted until June 13, 2016, when MrD*** called and stated he was out of the country and adamant in his position that no damage existed prior to the removal of the vehicle from his homeFollowing this conversation, the account was referred to MrD***, who called on June 15th and June 28th leaving messages on both occasions with no return callIt is Hann contention that Hann did adequately attempt to respond to the consumer, however since no real discussion of the damage that would reasonably lead to an amicable resolution of the account was achieved; the account was assigned to outside counsel on August 8, Because the damage has been confirm by two independent sources and adequately documented, no change to the assessment is warrantedCopy of the documentation is attachedShould you have any additional questions or concerns please do not hesitate to contact me directly
This is in response to the compliant filed by *** *** concerning the number and amount of remaining lease payments to an automobile lease account between the consumer and Hann Financial ServiceFirst, I apologize for an confusion or confrontational behavior she may have experienced in
speaking with HannThis account began as a month lease of a Jeep CompassThe Lease Agreement commits the Lessee to the payment of monthly payments of $and the payment of a $disposition fee in the event the vehicle is returned to Hann at the end of the lease termHann records show that a total of calls were made to the automated information line for this account on August 4, the payoff amount quoted was $15,good until August 20, The system does not quote the amount of remaining lease paymentsFurther the lease had a maturity date of January 25, The account history shows receipt $9,in monthly payments, divided by $calculates to payments(The payment that posted on 4/21/2014; check number in the amount of $was higher then the scheduled payment amount.) The last monthly payment was received on June 23, 2016; accordingly the account was past due for the July paymentThe Lease Agreement states the total of the monthly payments is $11,($x 39) less the total amount received $9,is $1,The disposition fee is disclosed on the Lease Agreement in box # at the top of the lease agreement, next to the box showing the monthly payment amountsWhile it is unfortunate if the dealer did not bring this item to Ms*** attention, but it is an obligation of the Lease Agreement. Again I apologize for any confusion; however the amounts listed on the August 30, accurately reflect the balance of due on the account
This is in response to the compliant filed by *** ***, concerning the vehicle return process and charge for damage assessed to an automobile lease account between the consumer and Hann Financial ServiceThis account began as a month lease of a Dodge JourneyThe Lease
Agreement between Hann Financial Service and Ms*** defines conditions that would be considered excess wear and tearThe vehicle was returned to Hann with excessive wear and tear damage in addition to substandard repaired collision damageI apologize for any communication difficulties that the consumer may have experienced in scheduling the return of the vehicleHann prides itself on being responsive to our customer’s needs and this lapse is not typicalOur transport carrier was also contacted at the time the vehicle was being scheduled for return and was advised the carrier had left several unreturned messages for Ms*** The vehicle came into Hann possession on the November 19, 2015; with no transport damage notedThe damage appraisal was performed by *** *** *** *** on behalf of Hann on November 25, and included photographs of the damage areas noted in the reportPlease note the report lists the work needed to affect the repairs, not a list of damage partsThe repairs previously done to the vehicle were not properly or completely performed and utilized market parts that are not acceptable replacement parts pursuant to the terms of the LeaseDue to the amount of time that has lapsed from the time this account was assessed; the account has been assigned to outside counsel for collection of the outstanding balanceIt is my understanding that this matter will be or is the subject of open litigation, therefore no additional statement can be made at this time
Tell This is in response to the compliant filed by Ms*** ***, concerning the return of the Honda Civic she leased from Hann Financial ServiceThis was a month lease that is scheduled to mature on May 10, The terms of the lease agreement state the Lessee is responsible to
repair and maintain the vehicle during the lease term and state the conditions that are deemed to be excess wear and damageTransport records show the vehicle was picked up from the Ms*** residence on May 25, 2017, the transport driver notes damage to the vehicle prior to loading the vehicle onto the truck for transportThe vehicle was delivered to Hann on the same date with no new damage added to the vehicleThe vehicle was inspected by a licensed NY state vehicle damage appraiser on May 30, The appraiser found damage to the front and back bumpers along with a dent to the driver side quarter panelThe estimate to restore the vehicle to an undamaged condition totaled $1,Pursuant to the terms of the Lease Agreement, Hann applied $to the account for a damage waiverAccordingly, the remaining damage charge is $870.30; plus required NJ Sales Tax.The Lease Agreement also contains a $disposition fee that is assessed when the vehicle is returned to Hann possession at the end of the lease termBecause the vehicle was returned, the fee was assessed to the account.Hann provided notice on April 5, 2017, approximately days before the end of the lease term and prior to the vehicle being scheduled for return, advising that the vehicle would be subject to inspection and assessment of a damage charge when the vehicle was returned to Hann possessionThe notice further advised of the right to have the vehicle inspected, at her own cost, up to days prior to the return or within days after receiving the statement from HannMs*** also had the option to have the vehicle repaired prior to the return to avoid being assessed for damage.The damage is evident and cost to repair has been determined by a licensed appraiserMs*** did not effect repairs to the vehicle, has not provided an appraisal done prior to the return and did not request to have the vehicle an appraisal within the time allowed after the returnThe charges assessed to the account have been confirmed for accuracy and all credits allowed and received have been applied; the remaining balance due is $1,379.81.Should you have any additional questions or concerns please do not hesitate to contact me directlyRegards, us why here
Hann has agreed to waive over $1,in damage to this vehicle as a courtesy to our lesseeThe damage appraisal submitted to Hann by a licensed appraiser indicates damage repairs totaling $1,The consumer is offering only his opinion of what he expected would be the repair costThe appraisal report, supported by photographs shows damage to the back bumper, the left quarter panel and two wheelsThe offer to settle the account for $will not be reduced further
This is in response to the compliant filed by Mr*** *** concerning the charge for damage assessed to an automobile lease account between *** *** and Hann Financial ServiceThis account began as a month lease of a Honda AccordThe Lease Agreement between Hann
Financial Service and *** *** defines conditions that would be considered excess wear and tear, as any damage in excess of $The damage appearing to the front bumper and the left front wheel cover are defined as excess wear and tearThe lease term was scheduled to ended November 20, On September 7, Hann was notified that the vehicle had been left at *** *** and was available for pick upThe vehicle came into Hann possession on September 15, and was inspected for damage on September 16, On September 20, 2016, Hann issued an end term statement for this account showing an amount due of $2,The balance represents the total of the $disposition fee; $remaining lease payment; $2,damage, less $as the damage waiver; $over-mileage; and $NJ State sales tax on the damage and over-mileage chargesAlso on September 20th, Hann received and posted a payment from *** *** in the amount of $1,016.81, the remaining account balance is $1, The damage shown on the appraisal report is confirmed with the Bill of Lading from the transport carrier showing heavy scratches across the roof, crack in the front bumper, and multiple scratches to the right side of the vehicleAttached is copy of the appraisal report, Bill of Lading and current statementThe appraisal report shows a fair estimate for the cost to repair and restore the vehicle to an undamaged condition
This is in response to the compliant filed by Ms*** ***, concerning the charge for damage assessed to an automobile lease account between the consumer and Hann Financial ServiceOn October 21, 2016, Hann issued an end term statement for this account showing an amount due of $The
balance represents the total of the $disposition fee; $damage, less $as the damage waiver, and $NJ State sales tax on the damage chargeThis account began as a month lease of a Mazda The Lease Agreement between Hann Financial Service and *** *** defines conditions that would be considered excess wear and tear, as any damage in excess of $The damage appearing to the front bumper and the left front wheel cover are defined as excess wear and tearIn an effort to amicably resolve the account Hann agreed to remove the replacement cost of the wheel cover and reduce the damage charge to $251.42; accordingly the tax amount reduces to $The total amount now due to resolve the account is $
*** adds the purchase premium to vehicles that have an increased market value. No premium is added to vehicles where the market demand decreased the value to below the residual or where the residual and market value are the sameAs the consumer has no ownership interest in the vehicle; how the vehicle is disposed at the end of the lease term has no bearing on the consumer's interests.The Lessee certainly has the option to purchase the vehicle from *** at the contract price and then trade it in for whatever advantage the third party dealer offersThe Lease Agreement only obligates *** to sell the vehicle to the Lessee for the contracted price, it does not require that we sell *** property to third parties for the same amount
Good afternoon, This is in response to the compliant filed by Mr*** ***, concerning the third party purchase option for the Jeep Wrangler he leased from *** Financial ServiceThis account began as a month lease of a Jeep WranglerThe cost of the vehicle, residual value and
monthly payments were agreed to by the parties at the Sansone Jeep dealership and are binding to the partiesAt the consummation of the Lease Agreement, *** purchased the vehicle in full from Sansone Jeep and became the titled ownerPursuant to the terms of the lease agreement, Mr*** is obligated to maintain the condition of the vehicleThe purchase option as defined in the Lease Agreement consists of the remaining lease payments; the residual value, early termination charge and a $purchase option feeThese costs as of today total $26,Due to the lease financing, the monthly lease payments do not build consumer equity in the vehicle but merely provides for the rental use of the vehicleAny equity value or loss caused by changes in the market conditions rests with *** as the vehicle ownerIn this instance, the market conditions for this vehicle have changed since the lease inception which increased the value of the vehicle over the stated residual valueWhile *** is obligated to sell the vehicle to Mr*** at the price set in the Lease Agreement, *** is not obligated to extend that price to any third party(*** will extend the consumer price to the originating dealer, Sansone Jeep, as this dealer was also party to the Lease Agreement.) Likewise, if the market value for this vehicle deceased causing it to be valued less then the residual value, *** would absorb the loss in sale value if the vehicle was returned to *** and ultimately sold for less then the residual valueRegards, *** ***
Thank you for clarifying your complaintI apologize for the noise, unfortunately tow trucks are not quietThis would still qualify as a peaceful repossession, because to the best of my knowledge, there was no argument over the taking of the vehicle or breach of locked property. Further, in this instance actual notice of repossession was not sent because the vehicle was redeemed the vehicle the same day that Hann was notified that the vehicle had been taken backHad the vehicle not been redeemed, notice of repossession would have been sent by UPS and regularThe notice that was issued in this instance was a notice of reinstatement; which is required in the state of NYThis notice is sent by regular and certified mail and was put into the mail the day as the repossession/redemption
Complaint: ***
I am rejecting this response because:
Hann's response "Due to the amount of time that has lapsed from the time this account was assessed; the account has been assigned to outside counsel for collection of the outstanding balanceIt is my understanding that this matter will be or is the subject of open litigation, therefore no additional statement can be made at this time." makes no sense to me Too much time has passed for them to clear up the matter, but not to litigate against me? I still maintain that Hann did not allow for me to view the car, to get a 2nd appraisal on what they considered to be substandard work or get a payoff amount Their bill was sent to me in December of I waited to file this claim with the Revdex.com because I was hoping to clear it up without having to take this route My calls to their HQ in New Jersey were rerouted and messages were left unreturnedWhile I was awaitng a return phone call, I started receiving mailings from a law firm with language that they were attempting to "collect on a debt" To be quite honest, I thought it was a scare tactic, and not something that Hann was actually going to turn over to litigation Again, I was still awaiting a call back from the company at this time. I further ascertain that if upon speaking with someone at Hann, I got the impression that these charges were in fact, valid, I would have asked for a payoff amount for the car Even though I know the payoff amount would have been higher than the bill, I potentially would have made the decision to purchase the vehicle in lieu of paying $to go to absolutely nothing I was not offered that opportunity
Regards,
*** ***
Good afternoon, In response to the compliant filed by Mr*** ***, concerning the registration renewal and property tax payment for his leased vehicle, I contacted Mr*** by phone and explained the registration renewal was timely mailed to the address Hann has on file and was not
returned by the post officeFollowing his phone contact with Hann customer service yesterday, August 1st, a Power of Attorney had been mailed to his new address, to facilitate his ability to renew the registration with local Motor VehiclesA second Power of Attorney was sent to his attention via overnight AM delivery to further assist in the quick resolution to this issueFinally, we discussed the Property Tax payment to the Town of Warwick RIIt was explained to Mr*** that Hann pays the property tax assessment based on the annual amount for ease of processingHowever, he can pay the reimbursement to Hann in installment amounts with no effect to his creditMr*** was advised to contact me directly if he as any additional questions or concerns with his account
This is in response to the complaint filed by *** *** concerning the return of a leased vehicle and end term assessments to his account with Hann Financial ServiceI apologize for the difficulties experienced with the return of the leased Honda CR-VUnfortunately this lease
expired during a period of high return volume, which caused the transport to become backloggedThe Lease Agreement entered into by Mr*** requires the vehicle to be returned directly to Hann possession; not to leave the vehicle at a dealership because the Lessee remains responsible for the condition of the vehicle until it comes into Hann possessionRetrieving the vehicle directly takes a dealership out of the middle for a more streamline return processRecently, there were higher then returned vehicles, which corresponds to the high number of lease inceptions at about the time this lease originated in September It is unfortunate that the transport could not schedule the pick up at a more reasonable timeTransport records show that the vehicle was picked up on December 16, at 12:AM and delivered to Hann possession the same day at 10:AMThe driver notes that no damage occurred in transitThe transport driver is not able to issue a condition report of the vehicle, as the driver is not a licensed auto appraiserHad the pick up occurred with Mr*** present he would have left a receipt for the vehicleHann issued a statement showing an amount due of $2,on December 22, As required by NY State Leasing Regulations, the statement was delivered to the post office for Registered Mailing on December 23, As of July 1, 2017, Postal records show the mail is in process of being returned to Hann as being held for the required number of days unclaimedHann records show a day past due notice was sent on January 25, followed by and day notices of the outstanding balance sent on February and March 27, In addition, calls were placed by Hann to Mr***’ home on January 18, and February 23, 2017. The outstanding charge relates to excess wear and damage found on the vehicle totaling $2,420.01, less $for a damage waiver contained in the Lease AgreementThe damage charge is taken directly from an appraisal report provided to Hann by 1st Alert Appraisal; which lists repairs necessary to restore the vehicle to an undamaged conditionAreas of damage include the front bumper, left fender, right rear door, rear bumper and lift gateIn addition to one wheel requires reconditioning and a key is missingThe appraisal report includes photographs of the vehicle that document the condition of the vehicle and the damageHann sent notice to Mr*** on August 10, advising of the approaching end of the lease term and reminding him the vehicle would be inspected for damage on its return to Hann possessionPursuant to NY regulations Mr*** had the opportunity to have the vehicle inspected by his own appraiser up to days prior to the returnNotice of this right was also mailed to Mr*** on November 7, Further, because Mr*** had an obligation to repair and maintain the vehicle while in his possession, repairs could have been performed at any time prior to the return at his own cost and expense at a facility of his choosingThe account was assigned to outside counsel because of the aging of the unpaid balanceCounsel has been advised to hold collection efforts on this file to afford Mr*** the opportunity to contact Hann to amicably resolve this account. Should you have any additional questions or concerns please do not hesitate to contact me directly
This is in response to the compliant filed by Mr*** ***, concerning the charge for damage assessed to an automobile lease account between the consumer and Hann Financial ServiceI apologize for the scheduling delays associated with the return of the Altima to Hann possessionHann is
aware of the of the problem and is actively working to ensure the transport carrier is taking necessary steps to correct the issuesIn addition I sorry to learn that Mr*** did not receive a more professional response from Hann representativesBecause Hann is a customer service business, we pride ourselves on our ability to address the concerns of our customers in a manner that befits our company valuesI apologize for the conduct of these individuals and have brought this issue to the attention of appropriate senior level managersPursuant to the terms of the Lease Agreement any damage in excess of $is considered excessiveMr*** was advised that the vehicle would be inspected for damage on its return to Hann possession and his right to have the vehicle inspected by his own damage appraiser prior to returning the vehicle to HannMr***, chose not to have the vehicle inspected or repairedThe transport driver is not a qualified damage appraiser; and as such is unable to render a condition reportThe photographs and comments of the transport driver were added to the carrier’s Bill of Lading to protect the carrier from claims that damage occurred during transportWhile the driver only noted damage to the back bumper; the picture of the rear fender by the fuel door, shows the same dent depicted in the appraisal photographsThe vehicle came into Hann possession on December 20, 2016; with no additional damage notedThe damage appraisal was performed by *** *** *** *** on behalf of Hann on December 22, and included photographs of the damage areas noted in the reportPlease note the report lists the work needed to affect the repairs, not a list of damage partsA statement listing the end term charges was prepared on December 28, and included a $Disposition Fee, which is a chargeable item in the event the vehicle is returned to Hann possession at the end of the lease term; $1,damage, taken directly from the appraisal report and offset by a $damage waiver included in the terms of the lease agreement, $accumulated late and other charges, and $sales tax on the damage charge. The statement was mailed to Mr*** by Register Mail (as required by NY State Law) on December 29, 2016; postal records indicate delivery was attempted on January 4, 2017; no one was available to sign the receipt and a notice was leftAs of today, the mailing has not been retrieved from the post office Hann records show Mr*** spoke with Hann on February 3rd; following the issuance of a past due noticeCopy of the statement and condition report were supplied to Mr*** by emailBecause of the amount of time that lapsed between the vehicle being returned to Hann and the request for a second appraisal; Hann is unable to make the vehicle available, because the vehicle is well in the process for disposalFurther, because the vehicle has been in Hann possession for an extended period, the current condition may not be reflective of the condition of at the time the vehicle was first returnedA subsequent conversation with Mr*** on February 13th resulted in a settlement offer from Hann in the amount of $653.87; this amount included the disposition fee, late fee and sales taxIt is Hann contention that this is a fair settlement offer because the damage has been confirm by two independent sources and is adequately documentedShould you have any additional questions or concerns please do not hesitate to contact me directly
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
im still not satisfied with result and think this company is out of their mind But they've left me with no choiceMy whole argument in the 1st place is they didn't care about a medical issueThey would not give me an extension to get another appraisal done
Regards,
*** ***
This is in response to the compliant filed by Mr*** ***, concerning the payment due date for his automobile lease account with Hann Financial ServiceThis account began as a month lease of a Nissan PathfinderThe Lease Agreement was signed on July 31, Because there are
months with fewer than days, Hann pushes the due date forward to the 1st day of the following monthThe benefits of this practice is to prevent a payment falling due on a date that does not exist and gives the consumer the extra day for the payment due dateThe first lease payment was remitted when the lease was signed on July 31, 2014; consequently the next payment would have then been due on August 31, 2014; however because of the Hann practice of moving that date forward, Mr*** 2nd payment actually became due on September 1, The Lease Agreement allows for a day grace period from the due date before a late fee is assessed to the account. In reviewing the payment history for Mr*** account it appears he remits payments through a bill pay service; however payments are not received on the same date each month and are frequently received after the expiration of the grace period. There are several options available to avoid late chargesFor instance, Mr*** can schedule a reoccurring payment through his bill pay service to a date prior to the 10th of the month to ensure the payments are received prior to the end of the grace periodHann also offers several payment options, such as ACH; online and phone paymentsACH service, will automatically process the payment each month on the due dateOnline or phone payments can be directed to process the payment immediately or on a scheduled dateHann may also, at Mr*** request, move the due date forward or back by days, to make the payment better fit into his budget planTo take advantage of any of the Hann assistance processes, Mr*** must contact Hann Customer Service Department, our representatives will be happy to assist in setting up either the ACH or due date change, as well as give step by step instructions for use of the online or phone optionsPlease contact me if you have any additional questions or concerns about Hann policies or practices
This is in response to the compliant filed by Mr*** ***, concerning the charge for damage assessed to an au***obile lease account between the consumer and Hann Financial ServiceThis account began as a month lease of a Mazda The Lease Agreement between the parties defines
conditions that would be considered excess wear and tearThe vehicle was returned to Hann with excessive wear and tear damageMr*** spoke with Mr*** *** of Hann Financial this morning whereby an agreement to settle the outstanding charge was reachedShould you have any questions or need additional information, please do not hesitate to contact me
Four payments of $- $= $1158.42. You are giving an automated system credit for rounding up an amount up that it is not programed to reportThe current due is the current due, not payments that are not yet due. The Hann system is not programed to give out the information you claim you heardI'm suggesting you call a different lender on a different account
Mr***, this is not the forum to discuss settlement of the outstanding chargesAs previously discussed the costs shown on the end term statement are within the terms of the lease agreement and Hann policyPlease contact me directly in order for us to a amicable resolution
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***
This is in response to the compliant filed by MrMark D***, concerning the charge for damage assessed to an automobile lease account between the consumer and Hann Financial ServiceThis account began as a month lease of a Jeep LibertyThe Lease Agreement between Hann Financial
* at MrD***’s home on February 12, The photos are noted with damage to the vehicle in the photos marked “Driver Front” and “Driver Rear”; in addition although no damage is noted, a picture of the hole in the passenger seat in included under “Miscellaneous”The picture of the key shows only one key was returnedThe vehicle came into Hann possession on the February 14, 2016; with no additional damage notedThe damage appraisal was performed by 1st Alert Appraisal Service on behalf of Hann on February 17, and included photographs of the damage areas noted in the reportPlease note the report lists the work needed to affect the repairs, not a list of damage partsA statement listing the end term charges was prepared on February 26, and included a $Disposition Fee, which is a chargeable item in the event the vehicle is returned to Hann possession at the end of the lease term; $1,damage, taken directly from the appraisal report and offset by a $damage waiver included in the terms of the lease agreement, $accumulated late and other charges, and $sales tax on the damage chargeThe statement was mailed to MrD*** on March 4, 2016; and received on March 8, Hann records show MrD*** contacted Hann on March 11th; when he spoke with James, further that copy of the condition report was emailed to MrD*** at that time, however notes the email address as lmd***@*** On March 23, 2016, Hann received a letter from MrD*** concerning the damage chargeIn response another copy of the appraisal report and chart of the difference between and excess wear were emailed to mhd***@*** Then on May 2, 2016, Hann received a voicemail message from Lisa D*** stating that a day past due notice was received, but that they did not receive response to a certified letter had been sentA return call was placed on May 3, 2016, Michael spoke with Lisa, and another copy of the appraisal was emailedLisa was to discuss the damage with her father and call back the later in the day or tomorrow. No further communication is noted until June 13, 2016, when MrD*** called and stated he was out of the country and adamant in his position that no damage existed prior to the removal of the vehicle from his homeFollowing this conversation, the account was referred to MrD***, who called on June 15th and June 28th leaving messages on both occasions with no return callIt is Hann contention that Hann did adequately attempt to respond to the consumer, however since no real discussion of the damage that would reasonably lead to an amicable resolution of the account was achieved; the account was assigned to outside counsel on August 8, Because the damage has been confirm by two independent sources and adequately documented, no change to the assessment is warrantedCopy of the documentation is attachedShould you have any additional questions or concerns please do not hesitate to contact me directly
Service and MrD*** defines conditions that would be considered excess wear and tearThe vehicle was returned to Hann with excessive wear and tear damage in addition to unrepaired collision damageHann has reviewed the Bill of Lading submitted by *** *** to *** *** ***, which is supported with photographs taken by MrF
This is in response to the compliant filed by *** *** concerning the number and amount of remaining lease payments to an automobile lease account between the consumer and Hann Financial ServiceFirst, I apologize for an confusion or confrontational behavior she may have experienced in
speaking with HannThis account began as a month lease of a Jeep CompassThe Lease Agreement commits the Lessee to the payment of monthly payments of $and the payment of a $disposition fee in the event the vehicle is returned to Hann at the end of the lease termHann records show that a total of calls were made to the automated information line for this account on August 4, the payoff amount quoted was $15,good until August 20, The system does not quote the amount of remaining lease paymentsFurther the lease had a maturity date of January 25, The account history shows receipt $9,in monthly payments, divided by $calculates to payments(The payment that posted on 4/21/2014; check number in the amount of $was higher then the scheduled payment amount.) The last monthly payment was received on June 23, 2016; accordingly the account was past due for the July paymentThe Lease Agreement states the total of the monthly payments is $11,($x 39) less the total amount received $9,is $1,The disposition fee is disclosed on the Lease Agreement in box # at the top of the lease agreement, next to the box showing the monthly payment amountsWhile it is unfortunate if the dealer did not bring this item to Ms*** attention, but it is an obligation of the Lease Agreement. Again I apologize for any confusion; however the amounts listed on the August 30, accurately reflect the balance of due on the account
This is in response to the compliant filed by *** ***, concerning the vehicle return process and charge for damage assessed to an automobile lease account between the consumer and Hann Financial ServiceThis account began as a month lease of a Dodge JourneyThe Lease
Agreement between Hann Financial Service and Ms*** defines conditions that would be considered excess wear and tearThe vehicle was returned to Hann with excessive wear and tear damage in addition to substandard repaired collision damageI apologize for any communication difficulties that the consumer may have experienced in scheduling the return of the vehicleHann prides itself on being responsive to our customer’s needs and this lapse is not typicalOur transport carrier was also contacted at the time the vehicle was being scheduled for return and was advised the carrier had left several unreturned messages for Ms*** The vehicle came into Hann possession on the November 19, 2015; with no transport damage notedThe damage appraisal was performed by *** *** *** *** on behalf of Hann on November 25, and included photographs of the damage areas noted in the reportPlease note the report lists the work needed to affect the repairs, not a list of damage partsThe repairs previously done to the vehicle were not properly or completely performed and utilized market parts that are not acceptable replacement parts pursuant to the terms of the LeaseDue to the amount of time that has lapsed from the time this account was assessed; the account has been assigned to outside counsel for collection of the outstanding balanceIt is my understanding that this matter will be or is the subject of open litigation, therefore no additional statement can be made at this time