Northern Leasing Systems, Inc.

Yes I wish for them to cancel or void your contract

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Dear ***:
Please consider this Northern Leasing Systems, Inc.’s (“NLSI”) reply to Lessee’s last rebuttal complaint
To date, the Complainant has retained possession of the Equipment and Lessee’s account is currently one payment past due in the amount of $ $While the complainant may return the equipment to the address above, the return of equipment alone will not suffice to satisfy the non-cancelable lease agreementNLSI’s position has not changed and it will continue to enforce the above-referenced Agreement (the “Agreement”) to its fullest extent
In the interim, the Complainant should refer back to the lease agreement and contact NLSI directly at ###-###-#### to resolve this matter accordingly
Sincerely,
Elba P*** Director, Customer Service Department
Northern Leasing Systems, Inc

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Dear Revdex.com:
Please consider this
Northern Leasing Systems, Inc(“NLSI”) formal response to the above-referenced complaintAs NLSI services Lease Finance Group, LLC’s (“LFG”) portfolio, please accept NLSI on its behalf
NLSI is an equipment lease financing company that does not provide credit card processing servicesIt exists solely to purchase and service non-cancelable equipment leasing contractsNLSI does not employ sales representatives to solicit merchants to induce binding signatures
NLSI reasonably presumes that Lessees have the prudence and acumen to carefully read any business agreements and understand their rights and obligations therein before signature
The responsibilities of the Merchant Services or the Independent Sales Organization provider are:
• Sell credit card processing services to the customer
• Understand which services the customer requires
• Present equipment options to meet those needs
• Establish pricing and length of agreement with customer to incorporate into the lease agreement once selected
• Submit executed agreement with customer’s signature to NLSI underwriting for review
The responsibilities of Northern Leasing Systems Incare:
• Underwrite the customers lease application and make a determination if NLSI will provide funding for a lease
• Service the lease as provided in the agreement
Lessee executed the month term Agreement dated January **, (see enclosed), which contains the Complainant’s signature on Lessee’s behalf and as the Personal Guarantor (the “PG”) thereunderIts Schedule of Lease Payments details Lessee’s base monthly payments of $(plus applicable taxes and fees) towards the leased equipment (the “Equipment”)
Lessee also executed a Delivery and Acceptance Receipt dated January 15, (see enclosed) confirming Lessee’s receipt and installation of the Equipment and essential terms of the Agreement (including the Schedule of Lease Payments) and to verify that: (i) the Agreement is non-cancelable, (ii) no written or verbal alterations by Lessee’s vendor sales representative would be accepted concerning the Agreement, (iii) Lessee’s base monthly payments were $for a month term, and that (iv) NLSI was authorized to deduct Lessee’s monthly payments from Lessee’s business checking account
On January **, 2015, NLSI mailed a copy of the Agreement to Lessee affixed with a Welcome LetterOn February *, 2015, NLSI successfully completed a Quality Control call to further confirm Lessee’s receipt and installation of the Equipment
The complaint herein alleges misrepresentation by the company sales representative of Lessee’s merchant processing companyComplainant states that he was charged processing fees when the equipment was not in useComplainant is requesting to return the equipment and wants termination of contractual obligation
On July **, 2016, Complainant contacted NLSI stating that he was misrepresented by the sales representative of the merchant processing companyA representative from NLSI explained NLSI’s role in the agreement, and advised of obligation to fulfill remaining term of the contractComplainant refused to reach a resolution and stated that he wanted to be taken to court
On July **, 2016, Complainant contacted NLSI and requested a buyout figureA representative from NLSI provided Complainant with a buyout in the amount of $3,with return of the equipmentComplainant agreed to mail in a check for the buyout payment, as well as return the equipment to NLSI
In response, as stated in Secof Lessee’s Agreement, NLSI is “an entirely separate and independent company from the vendor, equipment manufacturer and/or credit card processor doing business with Lessee.” Independent vendors do not have the authorized agency power to waive or alter any terms or conditions of NLSI’s Agreement
Additionally, the “Lease Acceptance” provision of the Agreement provides that “no attempt at oral modification or rescission of this lease or any term hereof will be binding upon the parties.”
The provision also states that Lessee “has been given an opportunity to read and make a copy of the Agreement and agrees to be bound by all terms” thereunder
Accordingly, the Agreement’s “No Warranties” provision states that NLSI has leased the Equipment to Lessee “as-is.” Thus, if the Equipment is unsatisfactory for any reason, Lessee must make any claim therein solely against the vendor while continuing its obligations under NLSI’s Agreement
Furthermore, you have the option to transfer the equipment lease to another merchantAs general procedure, it is your responsibility to find a new lessee to transfer the lease to, pay a $processing fee and bring the account current before NLSI will provide prospective lessee with lease transfer documents
Thus, any alleged actions, promises, or representations by vendors made contradictory to the Agreement will not release Lessee from any obligations thereunder
To date, the account remains one payment past due in the amount of $ $As such, NLSI will continue to enforce the Agreement to its fullest extentThere is no refund due to Complainant
Please contact me at ###-###-#### for any further assistance
Very truly yours,
Elba P*** Director, Customer Service Department
Northern Leasing Systems, Inc
Enclosed: 1) Copy of Lease Agreement

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
Due to misleading and deceptive sales tactics used to sell the lease and sign a contract for Northern Leasing Systems Inc., I cannot, in good faith, use or lease the new machine from Northern Leasing Systems, Inc I will be glad to return the equipment and consider the contract terminatedPlease give an address where I can return your equipment Thank you
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
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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 and the matter has been resolved
Sincerely,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
First off, in the response it stated that even if I complete the AOF, it won't amount to termination of contractWhat's the point of filling it out thenSecondly, I signed a one page month free trial of the cc processing unitWhy was I not given a full contract at that timeThen recieved a non cancellable lease from MBF Leasing in the mail weeks later with my signature on all pages in which I didn't signI'm not accepting anything except termination of contract/lease
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
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Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
I sent them back equipment and called months before closing business and always got voice mail most of the time u couldn't leave a message voice mail was full I know I'm not the only person who has had issues with this shady company I was with them for years I can only imagine how many fake charges they hit me with I never got a monthly statement they eft my account monthly Not to mention they never assisted us in checks that went thru there system as being ok and I personally had and issue with company on check I believe I did everything on my part to cancel or close account everybody at that company has a different story my last bill from them is roughly $how and that's up until July how do we get to that $figure they are charging me now ?? Makes no sense and I believe I paid the company all monies owed to them
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
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Dear Revdex.com Customer Relations Advocate:
Northern Leasing Systems, Inc(“NLSI”) has received your letter concerning the above-referenced complaint by *** and *** *** of The *** *** (“Lessee”) and thanks you for the opportunity to replyUpon reviewing Lessee’s complaint, and as NLSI services GCN’s portfolio, please accept GCN’s response on its behalf regarding the lease agreement (the “Agreement”), NLSI hereby responds as follows:
NLSI is a commercial equipment lease financing company specializing in the financing of merchant card processing equipmentIt does not, however, provide merchant processing services
Concerning Lessee’s relevant background information:
Lessee executed the month term Agreement dated October **, (see enclosed), which contains the Complainant’s signature on Lessee’s behalf and as the Personal Guarantor (the “PG”) thereunderIts Schedule of Lease Payments details Lessee’s base monthly payments of $(plus applicable taxes and fees) towards the leased equipment (the “Equipment”)
Lessee executed an Installation and Verification Report dated October **, (see enclosed) confirming Lessee’s receipt and installation of the Equipment and essential terms of the Agreement (including the Schedule of Lease Payments) and to verify that: (i) the Agreement is non-cancelable, (ii) no written or verbal alterations by Lessee’s vendor sales representative would be accepted concerning the Agreement, (iii) Lessee’s base monthly payments were $for a month term, and that (iv) NLSI was authorized to deduct Lessee’s monthly payments from Lessee’s business checking account
As to the complaint herein, Lessee agreed to monthly lease debits of $but questions deductions for $Lessee further states that new equipment was purchased but that deductions continued and did so for an additional months beyond the month lease termLessee wishes to effectively cancel the Agreement
In response, as stated in the Agreement’s “End of Lease Term Options” provision, Lessee had the following options upon expiration/termination of the Agreement:
a) Return the Equipment to NLSI in good repair, condition, and working order,
b) Opt to purchase the Equipment at the end of the Agreement for fair market value, or
c) Extend the Agreement on a month-to-month basis (under the same terms and conditions)
The Agreement also states that failure to exercise either option above would result in an Agreement extension on a month-to-month basis at the same monthly payment and terms and conditions therein
Applied here, as Lessee failed to timely exercise either of the above-detailed options, Lessee’s account will remain active on a month-to-month basis until either such option is executed
Inasmuch as the equipment was returned to NLSI, please have the Complainant contact NLSI directly at (888) 275-to discuss an offer of $as settlement
Very truly yours,
Elba P*** Director Customer Service
Northern Leasing Systems, Inc
Enclosures:
Copy of Lease Agreement
Installation and Verification Report

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 and the matter has been resolved
Sincerely,
*** *** I am currently waiting on the local police detective to complete the report so I may obtain a copy of it in order to complete and return the affidavit of forgery The detective has been out of the office recently and I have not been able to communicate with him As soon as I get the police report I will return the affidavit immediately!

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
We do not feel that we should owe NSLI anything being that we had informed them that we are already willing to send the credit card machine back and that at the time os the store closing we were paid in full
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

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*** *** Dear ***: Please consider this Northern Leasing Systems, Inc.’s (“NLSI”) reply to Lessee’s rebuttal complaint NLSI’s position has not changed and it will continue to enforce Lessee’s payment obligations under the above-referenced Agreement (the “Agreement”) to its fullest extent. That said, we have sent the Complainant an Affidavit of Forgery (an “AOF”) to complete and return so that NLSI can open a formal investigation into this matter. Please advise the Complainant that the the AOF (including the police report) is due to NLSI on November *, While we trust that this information should bring this matter to a close, please contact me at ###-###-#### for any further assistance Very truly yours, Elba P*** Director, Customer Service Department Northern Leasing Systems, Inc

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Dear Revdex.com Customer Relations Advocate:

Please consider this Northern Leasing Systems, Inc.’s (“NLSI”) formal response to above-referenced complaint.

NLSI is a commercial equipment lease financing company specializing in the financing of merchant card processing equipment. It does not, however, provide merchant processing services.
The responsibilities of the Merchant Services or the Independent Sales Organization provider are:
• Sell credit card processing services to the customer.
• Understand which services the customer requires.
• Present equipment options to meet those needs.
• Establish pricing and length of agreement with customer to incorporate into the lease agreement once selected.
• Submit executed agreement with customer’s signature to NLSI underwriting for review.
The responsibilities of Northern Leasing Systems, Inc are:
• Underwrite the customers lease application and make a determination if NLSI will provide funding for a lease.
• Service the lease as provided in the agreement.
The Complainant states that she has never leased anything with NLSI and has never had a business called Russo Enterprise.
The “Lease Acceptance” provision of the Agreement provides that “Lessee has read and agrees to all terms and conditions contained in this Equipment Finance Lease. This is a non-cancelable lease for the full term indicated herein”.

Thus, the Agreement does not provide for Lessee’s unilateral termination of its terms and obligations. Rather, it expressly sets forth the absolute and unconditional obligation to continue all payments due thereunder.
Please review the signed copy of the lease enclosed.
While we trust that this information should bring this matter to a close, please contact me at ###-###-####, ext. [redacted] for any further assistance.
Very truly yours,
Elba P[redacted] Director, Customer Service Department
Northern Leasing Systems, Inc.
Enclosed: 1) Copy of Lease Agreement

Greetings,Attached herein please find a copy of NLSI's response to case #: [redacted]. However, please be advised that although the response indicates that a copies of the Agreement and Delivery & Acceptance Receipt are included, as they contain sensitive personal information, NLSI has opted to...

not included them. Copies were included when submitting our response via facsimile, email and first class mail. Best Regards

May **, 2016
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RE: Case Number: [redacted] Complainant: [redacted]
Lease Number: [redacted] Lessee: [redacted]
Dear Revdex.com:

Please consider...

this Northern Leasing Systems, Inc. (“NLSI”) formal response to the above-referenced complaint.
NLSI is an equipment lease financing company that does not provide credit card processing services. It exists solely to purchase and service non-cancelable equipment leasing contracts. Therefore, NLSI does not employ sales representatives to solicit merchants (such as Lessee) to induce a binding signature of our Agreement.
NLSI reasonably presumes that Lessees have the prudence and acumen to carefully read any business agreements and understand their rights and obligations therein before signature.
Lessee’s lease agreement (the “Agreement”) is for a 36-month term with base monthly payments of $24.95 (plus applicable taxes and Loss & $4.95 Damage Waiver fee) (see enclosed).
The responsibilities of the Merchant Services or the Independent Sales Organization provider are:
• Sell credit card processing services to the customer.
• Understand which services the customer requires.
• Present equipment options to meet those needs.
• Establish pricing and length of agreement with customer to incorporate into the lease agreement once selected.
• Submit executed agreement with customer’s signature to NLSI underwriting for review.
The responsibilities of the NLSI are:
• Underwrite the customer’s lease application and make a determination if NLSI will provide funding for a lease.
• Service the lease as provided in the agreement.
The complaint herein alleges misrepresentation by the company sales representative of Lessee’s merchant processing company in regards to promise to pay off previous lease.
In response, as stated in Sec. 19 of Lessee’s Agreement, NLSI is “an entirely separate and independent company from the vendor, equipment manufacturer and/or credit card processor doing business with Lessee.” Independent vendors do not have the authorized agency power to waive or alter any terms or conditions of NLSI’s Agreement.
Additionally, the “Lease Acceptance” provision of the Agreement provides that “no attempt at oral modification or rescission of this lease or any term hereof will be binding upon the parties.”
The provision also states that Lessee “has been given an opportunity to read and make a copy of the Agreement and agrees to be bound by all terms” thereunder.

Thus, any alleged actions, promises, or representations by vendors made contradictory to the Agreement will not release Lessee from any obligations thereunder.
To date, the account is current and in good standing.
In summation, the Agreement does not provide for Lessee’s unilateral termination of its terms and obligations. Rather, it expressly sets forth Lessee’s absolute and unconditional obligation to continue all payments due thereunder.
Please contact me at ###-###-#### for any further assistance.
Very truly yours,
Elba P[redacted] Director, Customer Service Department
Northern Leasing Systems, Inc.
Enclosed: 1) Copy of Lease Agreement

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[It was not until later that I received two copies of the forged document that I realized what had taken place.  I was unable to complain about the document of September **, 2016 because of this lack of knowledge.  Furthermore, numerous attempt were made to contact Smart Card Merchant Services about this matter.  Initially, I was told that a supervisor would return my call as soon as he got off the phone.  I never received a call back.  Upon making other attempts to contact the office I was put on hold indefinitely.  My only other option was to contact Revdex.com.  As far as being obligated to the terms of the contract is concern, I did not visibly see the contract until copies arrived with my forged signature on it at a later date.  Why should a forged contract be legal and binding.
 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

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Dear Revdex.com:

Northern Leasing Systems, Inc. (“NLSI”) has received your letter concerning the above-referenced complaint and thanks you for the opportunity to reply. Upon reviewing your letter regarding the lease agreement (the “Agreement”), NLSI hereby responds as follows:
NLSI is a commercial equipment lease financing company specializing in the financing of merchant card processing equipment. It does not, however, provide merchant processing services.
The responsibilities of the Merchant Services or the Independent Sales Organization provider are:
• Sell credit card processing services to the customer.
• Understand which services the customer requires.
• Present equipment options to meet those needs.
• Establish pricing and length of agreement with customer to incorporate into the lease agreement once selected.
• Submit executed agreement with customer’s signature to NLSI underwriting for review.
The responsibilities of NLSI are:
• Underwrite the customers lease application and make a determination if NLSI will provide funding for a lease.
• Service the lease as provided in the agreement.

The complaint herein alleges the Merchant Services provider altered the processing rates that were promised to the Lessee, so the Lessee changed payment card processing companies and returned the Equipment to NLSI. The Lessee desires to be released from the Agreement.
In response, as stated in Sec. 19 of Lessee’s Agreement, NLSI is “an entirely separate and independent company from the vendor, equipment manufacturer and/or credit card processor doing business with Lessee.” Independent vendors do not have the authorized agency power to waive or alter any terms or conditions of NLSI’s Agreement.
Additionally, the “Lease Acceptance” provision of the Agreement provides that “no attempt at oral modification or rescission of this lease or any term hereof will be binding upon the parties.”
The provision also states that Lessee “has been given an opportunity to read and make a copy of the Agreement and agrees to be bound by all terms” thereunder.

Thus, any alleged actions, promises, or representations by vendors made contradictory to the Agreement will not release Lessee from any obligations thereunder.
In summation, the Agreement does not provide for Lessee’s unilateral termination of its terms and obligations. Rather, it expressly sets forth the absolute and unconditional obligation to continue all payments due thereunder.
While we trust that this information should bring this matter to a close, please contact me at ###-###-#### for any further assistance.
Very truly yours,
Elba P[redacted]
Director, Customer Service Department
Northern Leasing Systems, Inc.
Enclosed: 1) Copy of Lease Agreement
2) Copy of Delivery and Acceptance Receipt

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To Whom It May Concern:

Please consider this Northern Leasing Systems, Inc. (“NLSI”) formal response to the above-referenced complaint.
As Lessee’s lease agreement (the “Agreement”) involves the lease of a sign from Signtronix, Lessee must execute a one-time balloon payment to purchase the sign to effectively terminate the Agreement at the end of its minimum term. The purchase price is previously determined in Lessee’s contract with Signtronix.
As such, if the buyout was not executed, Lessee’s Agreement matures into a month-to-month status until Lessee pays such buyout.

As of May **, 2016, the above-referenced lease agreement (the “Agreement”) has been terminated. Accordingly, Lessee and Complainant (as Personal Guarantor) have been released from any and all obligations thereunder. There is no refund due to Complainant.
An official Release Notice letter was also mailed directly to Lessee (along with contact information for any further assistance).
While we trust that this information should bring this matter to a close, please contact me at ###-###-#### for any further assistance.
Very truly yours,
Elba P[redacted] Director, Customer Service Department
Northern Leasing Systems, Inc.

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Dear Revdex.com:

Please consider this Northern Leasing Systems, Inc.’s (“NLSI”) formal response to the above-referenced complaint. As NLSI services MBF Leasing, LLC’s portfolio, please accept NLSI’s response on its behalf.
It is imperative that Lessee complete and submit the entire AOF packet to NLSI for immediate review.
Be advised that Lessee’s AOF submission will not amount to unilateral termination of the Agreement. Upon receiving Lessee’s completed AOF, NLSI will conduct a formal review and make a final determination therein. Lessee will be notified directly of our decision.
Please be advised that until such time that the forgery claim is proven, NLSI intends to enforce Lessee’s payment obligations under the above-referenced Agreement (the “Agreement”) to its fullest extent.
While we trust that this information should bring this matter to a close, please contact me at ###-###-####, ext. [redacted] for any further assistance.

Very truly yours,

Elba P[redacted] Director, Customer Service
Northern Leasing Systems, Inc.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

That document is not mine.  I never lived at that address.  That is not me.  They need to stop harassing me!
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

May **, 2016
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Dear [redacted]:

Please consider this Northern Leasing Systems, Inc.’s (“NLSI”) formal response to the above-referenced complaint. As NLSI services MBF Leasing, LLC’s portfolio, please accept NLSI’s response on its behalf.
MBF’s position has not changed and it will continue to enforce Lessee’s payment obligations under the above-referenced Agreement (the “Agreement”) to its fullest extent.
Prior to this rebuttal complaint, Lessee has made no allegations of forgery to MBF in any manner. Nonetheless, please see enclosed for an Affidavit of Forgery (an “AOF”) for Lessee to complete on this matter. It is imperative that Lessee complete and submit the entire AOF packet to MBF for immediate review.
Be advised that Lessee’s AOF submission will not amount to unilateral termination of the Agreement. Upon receiving Lessee’s completed AOF, MBF will conduct a formal review and make a final determination therein. Lessee will be notified directly of our decision.
While we trust that this information should bring this matter to a close, please contact me at ###-###-####, ext. [redacted] for any further assistance.

Very truly yours,
Elba P[redacted] Director, Customer Service
Lease Finance Group, LLC
Enclosed: 1) Copy of Affidavit of Forgery