Dear Ms***, In response to the compliant filed by [redacted] ***, concerning the charge for damage assessed to her automobile lease account, a comparison review of the Bill of Lading from the transporter carrier and the appraisal report was conductedThe review revealed one key was apparently lost in transit; further the areas of damage noted by the transport agent may have been were further damaged in transportAccordingly, Hann has removed the damage charge from her accountShould you have any additional questions or concerns regarding this account please do not hesitate to contact me
Legal Department ###-###-#### ###-###-#### Facsimile [redacted] September 19, Revdex.com Servicing New Jersey Whitehorse-Hamilton Square Road Building A, Suite Hamilton, NJ Attn: [redacted] *** Re: Case No.: [redacted] Dear Ms***: This is in response to the complaint filed by [redacted] [redacted] concerning the assessment of a disposition fee to his accountThe charge of a Disposition Fee, is disclosed and made a part of the Lease Agreement in Box of the Lease Agreement, he signed at [redacted] for the lease of a Nissan Rogue through Hann Financial Service CorpThe requirement to remit payment of this fee is also discussed in paragraph on the back of the leaseThe Disposition Fee is a chargeable fee in the event the vehicle is not purchased at the end of the lease termIn this instance, the vehicle was returned, therefore the fee is valid and dueAs such, the fee is not based on the condition or mileage on the vehicle, or whether or not the Lessee re-leases with Hann; but rather a flat fee that is charged in all cases when the vehicle is returned at the end of the leaseI’m sorry the fee may not have been disclosed when the vehicle was originally leased; however it is an integral part of the lease financingCharging this fee at the end of the term, and only if the vehicle is returned; allows for the collection of the fee if vehicle is returned and not in all cases where a vehicle may have been purchased by the lessee or a dealershipThis process allows Hann to keep the monthly lease payment as low as possibleShould you have any additional questions or concerns please do not hesitate to contact me directlySincerely, Carol E [redacted] , Paralegal
Good afternoon, In response to the compliant filed by Mr [redacted] , concerning the registration renewal and property tax payment for his leased vehicle, I contacted Mr [redacted] 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 [redacted] 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 [redacted] 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 [redacted] M [redacted] concerning the assessment of a disposition fee to her accountThe charge of a Disposition Fee, is disclosed and made a part of the Lease Agreement in Box of the Lease Agreement, she signed at [redacted] for the lease of a Jeep Compass through Hann Financial Service CorpMs [redacted] may be confused as to the actual Lessor of the vehicle because, in accordance with instructions from Hann, she made her payments to [redacted] ***Please note, Hann was a fully owned subsidiary of [redacted] ***; now [redacted] following the merger of the two banking institutionsA copy of the Lease Agreement is attached whereby Hann is named as the Lessor in Box 1c at the top of the AgreementThe Disposition Fee in question is a chargeable fee in the event the vehicle is not purchased at the end of the lease termIn this instance, the vehicle was returned, therefore the fee is valid and dueThis fee is disclosed in the Agreement at Box as Other ChargesAs such, the fee is not based on the condition or mileage on the vehicle, or whether or not the Lessee re-leases with Hann; but rather a flat fee that is charged in all cases when the vehicle is returned at the end of the leaseI’m sorry the fee may not have been disclosed when the vehicle was originally leased; however it is an integral part of the lease financingCharging this fee at the end of the term, and only if the vehicle is returned; allows for the collection of the fee if vehicle is returned and not in all cases where a vehicle may have been purchased by the lessee or a dealershipThis process allows Hann to keep the monthly lease payment as low as possibleThe account was assigned to a collection agency because the account was assessed this charge on November 16, and remained unpaid until after the assignment to the agencyNotice of the unpaid balance was forwarded to Ms [redacted] on 12/1/2016, 1/3/and 2/1/Should 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 reached an agreement with the business that is satisfactory to me Thanks, in particular, to Carol Escandell from Hann, who was reasonable and fair and very nice to deal with Regards, [redacted] ***
This is in response to the compliant filed by MrMark D [redacted] , 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 [redacted] 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 [redacted] to [redacted] , which is supported with photographs taken by MrF [redacted] at MrD [redacted] ’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 [redacted] on March 4, 2016; and received on March 8, Hann records show MrD [redacted] contacted Hann on March 11th; when he spoke with James, further that copy of the condition report was emailed to MrD [redacted] at that time, however notes the email address as lmd [redacted] @ [redacted] On March 23, 2016, Hann received a letter from MrD [redacted] concerning the damage chargeIn response another copy of the appraisal report and chart of the difference between and excess wear were emailed to mhd [redacted] @ [redacted] Then on May 2, 2016, Hann received a voicemail message from Lisa D [redacted] 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 [redacted] 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 [redacted] , 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 Mr. [redacted] , concerning the charge for damage assessed to an automobile lease account between the consumer and Hann Financial Service. This account began as a 39 month lease of a 2012 Dodge Journey. The Lease Agreement between Hann Financial... Service and [redacted] defines conditions that would be considered excess wear and tear. The vehicle was returned to Hann with excessive wear and tear damage in addition to unrepaired collision damage. In this instance, although the damage reported in the appraisal report provided to Hann is supported by photographs of the damage and depict a combination of substandard prior repairs and unrepaired damage, some of which has rusted, Hann has decided the amount of each of these separate instances is not significant. Therefore, Hann has removed the damage charge from the account. We would also like to apologize for the service the client states she received from our vendor whom picked up the vehicle.
The Bill of Lading from the transport carrier also notes the same damage to the vehicle before it was moved from the dealershipAccording to the terms of the Lease, the vehicle is not to be returned to a dealership without prior consent from HannThis is because the Lessee remains responsible for the condition of the vehicle until it comes into Hann possessionIf you are contending that this damage occurred while on the dealer's lot, then it is suggested that you discuss that scenario with the dealershipThe appraisal report does not mention previous repairIf you want Hann to consider repairs made to the vehicle before the return, please provide copy of the repair documents for reviewHowever, since the scratches are still showing in the appraisal photos we have to question the extent and nature of the repairsIf you are interested in settling on the amount assessed for the damage, please contact Hann directly to discuss the account further
This is in response to the compliant filed by [redacted] , 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 [redacted] 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 [redacted] The vehicle came into Hann possession on the November 19, 2015; with no transport damage notedThe damage appraisal was performed by [redacted] 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
Complaint: [redacted] 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 timeI 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, [redacted]
This is in response to the compliant filed by Mr [redacted] , 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 [redacted] spoke with Mr [redacted] 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
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
Complaint: [redacted] I am rejecting this response because: Changing a due date without notifying the client is unethical I assumed I was making my payments on time as I paid most by the middle of the month When I called to find out why there were late fees the company responded incorrectly that my payment was due on the first I finally found my agreement which confirms the payment was on due on the 30th If they told me I was a month behind I would of made the payment to bring the account up to date They treated me in an aggressive manner and threaten to repossess my car causing embarrassment and undo stress To conclude it may sound like they did me a favor by moving the due date back (without telling me) but this resulted in confusion and by the time I figured it out they had charged hundreds of dollars in late fees I understand they may not want to resolve this issue I just hope others will read this and be careful when dealing with them Regards, [redacted] ***
This is in response to the complaint filed by [redacted] [redacted] concerning the repossession of her vehicle and assessment of costs to her accountWhile Hann certainly can understand circumstances that will cause a payment to occasionally be late and tries to work with consumers whenever possible to afford the best resolution for everyoneThe Lease Agreement entered into by Ms [redacted] requires monthly payments in the amount of $to be submitted on the 28th day of each monthThe agreement further states a late payment fee is due on any payment received more than days past the stated due dateIn addition, a default to the agreement occurs any time a payment is not received within days of its due date(see Lease Agreement item numbers 6, 20, and 25(c).)Tthe agreement further states that in the event of default Hann may take possession of the vehicle wherever it may be found and without prior notice to the lesseeThe account notes payments were received days beyond the due date in the months of August 2016, April, May and June 2017, which caused late charges to be assessed to the accountCreditors are required to advice once every month period that a vehicle is subject to repossession if a default is not cured by the date stated in the notice In this instance, the notice of potential repossession was included in the April 11, noticeThe account notes reveal that the home phone on May 26, was not in service and a voicemail message was left at the cellphone number on fileMessages were also left to both numbers on May 31, Two payments were scheduled by the consumer to post on June 7, 2017, then she changed the date to June 9, 2017; subsequently both payment were returned by the consumer’s bank on June 16, There were no calls from Ms [redacted] to explain extenuating circumstancesThe first call from Mr [redacted] was after the vehicle was repossessed on June 20, The actions of Hann in this instance were within the terms of the lease agreement and applicable law, accordingly no refund of the costs incurred are due to the consumer Should you have any additional questions or concerns please do not hesitate to contact me directly
I apologize for not responding sooner; apparently the message from 7/was not receivedMr [redacted] leased a [redacted] CR-V from Hann as the assignee of [redacted] on February 26, Once the assignment is complete Hann becomes the only Lessor on the Lease AgreementPursuant to the terms of the Lease Agreement the Lessee is no to return the vehicle to any dealership; and Hann does inform or reminds all Lessees of this provision six months before the then of the lease termThere is no agency relationship between Hann and the dealership as the consumer impliesMr [redacted] was contacted prior to the end of his lease term by a dealership in the hope of selling or leasing a new vehicle to Mr [redacted] Apparently Mr [redacted] did enter into a new agreement and the [redacted] CR-V, that was property of Hann, was left at the dealership for them to return to Hann on Mr [redacted] behalfIt should be noted that this is done by the dealership as a customer service; and not at the direction of HannThe inspection performed by the dealership states that it is subject to final inspection by the lease finance company and does not establish an accurate condition of the vehicleThe inspection performed by [redacted] on behalf of Hann was conducted by a NY licensed vehicle appraiser and constitutes the final inspection of the vehiclePursuant to NY Motor Vehicle Leasing Law, the consumer is entitled to have the vehicle inspected by a NY Licensed Vehicle appraiser days prior to the return of the vehicle or within days of receiving the final statement from HannMr [redacted] was provided with notice, as required by law, of his right to obtain his own appraisal, but chose not to take advantage of this optionSince this complaint was filed, Mr [redacted] also retained counsel to assist him with this issue and a settlement between the parties was reached whereby Hann agreed to accept $1,in lieu of the full amount dueThe settlement has been paid and the account closedPlease contact me should you have any additional questions or concerns about this account
This is in response to the compliant filed by Mr [redacted] concerning the third party purchase of the Jeep Renegade he is leasing from Hann Financial ServiceThe contract between Mr [redacted] and Hann Financial is for a month vehicle lease that is scheduled to mature on September 1, The terms of the lease agreement state the purchase price of the vehicle if Mr [redacted] chooses to purchase the vehicle at the end of the lease term as the Residual Value of $16,041.20; plus a purchase option fee of $Hann extends the right to purchase the vehicle at the stated cost to the originating dealership, based on that dealership’s involvement in setting the terms of the leaseThe other lease end option available to Mr [redacted] is to return the vehicle to HannIf this option is chosen, there is a $that would be assessed to the account and the vehicle would be subject to inspection for over mileage and excess damage after the vehicle is returned to Hann possessionThe option to purchase by a third party, which applies to any other dealership, or individual designed by Mr [redacted] , is subject to a 20% increase in the sale priceThe higher sale price is set because of an increase in the market value of this vehicle, based on year, make and model, since the inception of the leaseHann assumes the vehicle is within the mileage limitations and condition as set by the contractHann is obligated to sell the vehicle to Mr [redacted] at the amount by the contract terms, however, there is no obligation to sell the vehicle to a third party at the contracted amountAccordingly, Mr [redacted] is not being penalized or charged the increased sale priceMr [redacted] can choose to purchase the vehicle himself from Hann and then sell it to a third party, once the title is transferredHowever, because the vehicle is Hann property; Hann has the right to sell the vehicle to any third party at the current market value for the vehicleShould Mr [redacted] or 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 [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]
This is in response to the complaint filed by [redacted] *** concerning the return of a leased vehicle and end term assessments to his account with Hann Financial Service. I apologize for the difficulties experienced with the return of the leased 2014 Honda CR-V. Unfortunately this lease... expired during a period of high return volume, which caused the transport to become backlogged. The 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 possession. Retrieving the vehicle directly takes a dealership out of the middle for a more streamline return process. Recently, there were higher then normal returned vehicles, which corresponds to the high number of lease inceptions at about the time this lease originated in September 2013. It is unfortunate that the transport could not schedule the pick up at a more reasonable time. Transport records show that the vehicle was picked up on December 16, 2016 at 12:55 AM and delivered to Hann possession the same day at 10:15 AM. The driver notes that no damage occurred in transit. The transport driver is not able to issue a condition report of the vehicle, as the driver is not a licensed auto appraiser. Had the pick up occurred with Mr. *** present he would have left a receipt for the vehicle. Hann issued a statement showing an amount due of $2,054.41 on December 22, 2016. As required by NY State Leasing Regulations, the statement was delivered to the post office for Registered Mailing on December 23, 2016. 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 unclaimed. Hann records show a 30 day past due notice was sent on January 25, 2017 followed by 60 and 90 day notices of the outstanding balance sent on February 20 and March 27, 2017. In addition, calls were placed by Hann to Mr. ***’ home on January 18, 2017 and February 23, 2017. The outstanding charge relates to excess wear and damage found on the vehicle totaling $2,420.01, less $500.00 for a damage waiver contained in the Lease Agreement. The 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 condition. Areas of damage include the front bumper, left fender, right rear door, rear bumper and lift gate. In addition to one wheel requires reconditioning and a key is missing. The appraisal report includes photographs of the vehicle that document the condition of the vehicle and the damage. Hann sent notice to Mr. *** on August 10, 2016 advising of the approaching end of the lease term and reminding him the vehicle would be inspected for damage on its return to Hann possession. Pursuant to NY regulations Mr. [redacted] had the opportunity to have the vehicle inspected by his own appraiser up to 20 days prior to the return. Notice of this right was also mailed to Mr. *** on November 7, 2016. Further, because Mr. [redacted] 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 choosing. The account was assigned to outside counsel because of the aging of the unpaid balance. Counsel has been advised to hold collection efforts on this file to afford Mr. [redacted] 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.
Dear Ms***, In response to the compliant filed by [redacted] ***, concerning the charge for damage assessed to her automobile lease account, a comparison review of the Bill of Lading from the transporter carrier and the appraisal report was conductedThe review revealed one key was apparently lost in transit; further the areas of damage noted by the transport agent may have been were further damaged in transportAccordingly, Hann has removed the damage charge from her accountShould you have any additional questions or concerns regarding this account please do not hesitate to contact me
Legal Department ###-###-#### ###-###-#### Facsimile [redacted] September 19, Revdex.com Servicing New Jersey Whitehorse-Hamilton Square Road Building A, Suite Hamilton, NJ Attn: [redacted] *** Re: Case No.: [redacted] Dear Ms***: This is in response to the complaint filed by [redacted] [redacted] concerning the assessment of a disposition fee to his accountThe charge of a Disposition Fee, is disclosed and made a part of the Lease Agreement in Box of the Lease Agreement, he signed at [redacted] for the lease of a Nissan Rogue through Hann Financial Service CorpThe requirement to remit payment of this fee is also discussed in paragraph on the back of the leaseThe Disposition Fee is a chargeable fee in the event the vehicle is not purchased at the end of the lease termIn this instance, the vehicle was returned, therefore the fee is valid and dueAs such, the fee is not based on the condition or mileage on the vehicle, or whether or not the Lessee re-leases with Hann; but rather a flat fee that is charged in all cases when the vehicle is returned at the end of the leaseI’m sorry the fee may not have been disclosed when the vehicle was originally leased; however it is an integral part of the lease financingCharging this fee at the end of the term, and only if the vehicle is returned; allows for the collection of the fee if vehicle is returned and not in all cases where a vehicle may have been purchased by the lessee or a dealershipThis process allows Hann to keep the monthly lease payment as low as possibleShould you have any additional questions or concerns please do not hesitate to contact me directlySincerely, Carol E [redacted] , Paralegal
Good afternoon, In response to the compliant filed by Mr [redacted] , concerning the registration renewal and property tax payment for his leased vehicle, I contacted Mr [redacted] 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 [redacted] 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 [redacted] 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 [redacted] M [redacted] concerning the assessment of a disposition fee to her accountThe charge of a Disposition Fee, is disclosed and made a part of the Lease Agreement in Box of the Lease Agreement, she signed at [redacted] for the lease of a Jeep Compass through Hann Financial Service CorpMs [redacted] may be confused as to the actual Lessor of the vehicle because, in accordance with instructions from Hann, she made her payments to [redacted] ***Please note, Hann was a fully owned subsidiary of [redacted] ***; now [redacted] following the merger of the two banking institutionsA copy of the Lease Agreement is attached whereby Hann is named as the Lessor in Box 1c at the top of the AgreementThe Disposition Fee in question is a chargeable fee in the event the vehicle is not purchased at the end of the lease termIn this instance, the vehicle was returned, therefore the fee is valid and dueThis fee is disclosed in the Agreement at Box as Other ChargesAs such, the fee is not based on the condition or mileage on the vehicle, or whether or not the Lessee re-leases with Hann; but rather a flat fee that is charged in all cases when the vehicle is returned at the end of the leaseI’m sorry the fee may not have been disclosed when the vehicle was originally leased; however it is an integral part of the lease financingCharging this fee at the end of the term, and only if the vehicle is returned; allows for the collection of the fee if vehicle is returned and not in all cases where a vehicle may have been purchased by the lessee or a dealershipThis process allows Hann to keep the monthly lease payment as low as possibleThe account was assigned to a collection agency because the account was assessed this charge on November 16, and remained unpaid until after the assignment to the agencyNotice of the unpaid balance was forwarded to Ms [redacted] on 12/1/2016, 1/3/and 2/1/Should 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 reached an agreement with the business that is satisfactory to me Thanks, in particular, to Carol Escandell from Hann, who was reasonable and fair and very nice to deal with Regards, [redacted] ***
This is in response to the compliant filed by MrMark D [redacted] , 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 [redacted] 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 [redacted] to [redacted] , which is supported with photographs taken by MrF [redacted] at MrD [redacted] ’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 [redacted] on March 4, 2016; and received on March 8, Hann records show MrD [redacted] contacted Hann on March 11th; when he spoke with James, further that copy of the condition report was emailed to MrD [redacted] at that time, however notes the email address as lmd [redacted] @ [redacted] On March 23, 2016, Hann received a letter from MrD [redacted] concerning the damage chargeIn response another copy of the appraisal report and chart of the difference between and excess wear were emailed to mhd [redacted] @ [redacted] Then on May 2, 2016, Hann received a voicemail message from Lisa D [redacted] 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 [redacted] 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 [redacted] , 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 Mr. [redacted] , concerning the charge for damage assessed to an automobile lease account between the consumer and Hann Financial Service. This account began as a 39 month lease of a 2012 Dodge Journey. The Lease Agreement between Hann Financial... Service and [redacted] defines conditions that would be considered excess wear and tear. The vehicle was returned to Hann with excessive wear and tear damage in addition to unrepaired collision damage. In this instance, although the damage reported in the appraisal report provided to Hann is supported by photographs of the damage and depict a combination of substandard prior repairs and unrepaired damage, some of which has rusted, Hann has decided the amount of each of these separate instances is not significant. Therefore, Hann has removed the damage charge from the account. We would also like to apologize for the service the client states she received from our vendor whom picked up the vehicle.
The Bill of Lading from the transport carrier also notes the same damage to the vehicle before it was moved from the dealershipAccording to the terms of the Lease, the vehicle is not to be returned to a dealership without prior consent from HannThis is because the Lessee remains responsible for the condition of the vehicle until it comes into Hann possessionIf you are contending that this damage occurred while on the dealer's lot, then it is suggested that you discuss that scenario with the dealershipThe appraisal report does not mention previous repairIf you want Hann to consider repairs made to the vehicle before the return, please provide copy of the repair documents for reviewHowever, since the scratches are still showing in the appraisal photos we have to question the extent and nature of the repairsIf you are interested in settling on the amount assessed for the damage, please contact Hann directly to discuss the account further
This is in response to the compliant filed by [redacted] , 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 [redacted] 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 [redacted] The vehicle came into Hann possession on the November 19, 2015; with no transport damage notedThe damage appraisal was performed by [redacted] 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
Please close this complaint as I have reached a resolution in this matter.Thank you, [redacted]
Complaint: [redacted] 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 timeI 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, [redacted]
This is in response to the compliant filed by Mr [redacted] , 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 [redacted] spoke with Mr [redacted] 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
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
Complaint: [redacted] I am rejecting this response because: Changing a due date without notifying the client is unethical I assumed I was making my payments on time as I paid most by the middle of the month When I called to find out why there were late fees the company responded incorrectly that my payment was due on the first I finally found my agreement which confirms the payment was on due on the 30th If they told me I was a month behind I would of made the payment to bring the account up to date They treated me in an aggressive manner and threaten to repossess my car causing embarrassment and undo stress To conclude it may sound like they did me a favor by moving the due date back (without telling me) but this resulted in confusion and by the time I figured it out they had charged hundreds of dollars in late fees I understand they may not want to resolve this issue I just hope others will read this and be careful when dealing with them Regards, [redacted] ***
This is in response to the complaint filed by [redacted] [redacted] concerning the repossession of her vehicle and assessment of costs to her accountWhile Hann certainly can understand circumstances that will cause a payment to occasionally be late and tries to work with consumers whenever possible to afford the best resolution for everyoneThe Lease Agreement entered into by Ms [redacted] requires monthly payments in the amount of $to be submitted on the 28th day of each monthThe agreement further states a late payment fee is due on any payment received more than days past the stated due dateIn addition, a default to the agreement occurs any time a payment is not received within days of its due date(see Lease Agreement item numbers 6, 20, and 25(c).)Tthe agreement further states that in the event of default Hann may take possession of the vehicle wherever it may be found and without prior notice to the lesseeThe account notes payments were received days beyond the due date in the months of August 2016, April, May and June 2017, which caused late charges to be assessed to the accountCreditors are required to advice once every month period that a vehicle is subject to repossession if a default is not cured by the date stated in the notice In this instance, the notice of potential repossession was included in the April 11, noticeThe account notes reveal that the home phone on May 26, was not in service and a voicemail message was left at the cellphone number on fileMessages were also left to both numbers on May 31, Two payments were scheduled by the consumer to post on June 7, 2017, then she changed the date to June 9, 2017; subsequently both payment were returned by the consumer’s bank on June 16, There were no calls from Ms [redacted] to explain extenuating circumstancesThe first call from Mr [redacted] was after the vehicle was repossessed on June 20, The actions of Hann in this instance were within the terms of the lease agreement and applicable law, accordingly no refund of the costs incurred are due to the consumer Should you have any additional questions or concerns please do not hesitate to contact me directly
I apologize for not responding sooner; apparently the message from 7/was not receivedMr [redacted] leased a [redacted] CR-V from Hann as the assignee of [redacted] on February 26, Once the assignment is complete Hann becomes the only Lessor on the Lease AgreementPursuant to the terms of the Lease Agreement the Lessee is no to return the vehicle to any dealership; and Hann does inform or reminds all Lessees of this provision six months before the then of the lease termThere is no agency relationship between Hann and the dealership as the consumer impliesMr [redacted] was contacted prior to the end of his lease term by a dealership in the hope of selling or leasing a new vehicle to Mr [redacted] Apparently Mr [redacted] did enter into a new agreement and the [redacted] CR-V, that was property of Hann, was left at the dealership for them to return to Hann on Mr [redacted] behalfIt should be noted that this is done by the dealership as a customer service; and not at the direction of HannThe inspection performed by the dealership states that it is subject to final inspection by the lease finance company and does not establish an accurate condition of the vehicleThe inspection performed by [redacted] on behalf of Hann was conducted by a NY licensed vehicle appraiser and constitutes the final inspection of the vehiclePursuant to NY Motor Vehicle Leasing Law, the consumer is entitled to have the vehicle inspected by a NY Licensed Vehicle appraiser days prior to the return of the vehicle or within days of receiving the final statement from HannMr [redacted] was provided with notice, as required by law, of his right to obtain his own appraisal, but chose not to take advantage of this optionSince this complaint was filed, Mr [redacted] also retained counsel to assist him with this issue and a settlement between the parties was reached whereby Hann agreed to accept $1,in lieu of the full amount dueThe settlement has been paid and the account closedPlease contact me should you have any additional questions or concerns about this account
This is in response to the compliant filed by Mr [redacted] concerning the third party purchase of the Jeep Renegade he is leasing from Hann Financial ServiceThe contract between Mr [redacted] and Hann Financial is for a month vehicle lease that is scheduled to mature on September 1, The terms of the lease agreement state the purchase price of the vehicle if Mr [redacted] chooses to purchase the vehicle at the end of the lease term as the Residual Value of $16,041.20; plus a purchase option fee of $Hann extends the right to purchase the vehicle at the stated cost to the originating dealership, based on that dealership’s involvement in setting the terms of the leaseThe other lease end option available to Mr [redacted] is to return the vehicle to HannIf this option is chosen, there is a $that would be assessed to the account and the vehicle would be subject to inspection for over mileage and excess damage after the vehicle is returned to Hann possessionThe option to purchase by a third party, which applies to any other dealership, or individual designed by Mr [redacted] , is subject to a 20% increase in the sale priceThe higher sale price is set because of an increase in the market value of this vehicle, based on year, make and model, since the inception of the leaseHann assumes the vehicle is within the mileage limitations and condition as set by the contractHann is obligated to sell the vehicle to Mr [redacted] at the amount by the contract terms, however, there is no obligation to sell the vehicle to a third party at the contracted amountAccordingly, Mr [redacted] is not being penalized or charged the increased sale priceMr [redacted] can choose to purchase the vehicle himself from Hann and then sell it to a third party, once the title is transferredHowever, because the vehicle is Hann property; Hann has the right to sell the vehicle to any third party at the current market value for the vehicleShould Mr [redacted] or 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 [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]
This is in response to the complaint filed by [redacted] *** concerning the return of a leased vehicle and end term assessments to his account with Hann Financial Service. I apologize for the difficulties experienced with the return of the leased 2014 Honda CR-V. Unfortunately this lease... expired during a period of high return volume, which caused the transport to become backlogged. The 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 possession. Retrieving the vehicle directly takes a dealership out of the middle for a more streamline return process. Recently, there were higher then normal returned vehicles, which corresponds to the high number of lease inceptions at about the time this lease originated in September 2013. It is unfortunate that the transport could not schedule the pick up at a more reasonable time. Transport records show that the vehicle was picked up on December 16, 2016 at 12:55 AM and delivered to Hann possession the same day at 10:15 AM. The driver notes that no damage occurred in transit. The transport driver is not able to issue a condition report of the vehicle, as the driver is not a licensed auto appraiser. Had the pick up occurred with Mr. *** present he would have left a receipt for the vehicle. Hann issued a statement showing an amount due of $2,054.41 on December 22, 2016. As required by NY State Leasing Regulations, the statement was delivered to the post office for Registered Mailing on December 23, 2016. 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 unclaimed. Hann records show a 30 day past due notice was sent on January 25, 2017 followed by 60 and 90 day notices of the outstanding balance sent on February 20 and March 27, 2017. In addition, calls were placed by Hann to Mr. ***’ home on January 18, 2017 and February 23, 2017. The outstanding charge relates to excess wear and damage found on the vehicle totaling $2,420.01, less $500.00 for a damage waiver contained in the Lease Agreement. The 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 condition. Areas of damage include the front bumper, left fender, right rear door, rear bumper and lift gate. In addition to one wheel requires reconditioning and a key is missing. The appraisal report includes photographs of the vehicle that document the condition of the vehicle and the damage. Hann sent notice to Mr. *** on August 10, 2016 advising of the approaching end of the lease term and reminding him the vehicle would be inspected for damage on its return to Hann possession. Pursuant to NY regulations Mr. [redacted] had the opportunity to have the vehicle inspected by his own appraiser up to 20 days prior to the return. Notice of this right was also mailed to Mr. *** on November 7, 2016. Further, because Mr. [redacted] 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 choosing. The account was assigned to outside counsel because of the aging of the unpaid balance. Counsel has been advised to hold collection efforts on this file to afford Mr. [redacted] 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.
Because Hann is now represented by counsel on this matter; any and all discussion of settlement must be made through counsel