Northern Leasing Systems, Inc.

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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 Lessee did not sign 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.
The Complainant contacted NLSI on September **, 2016 wanting to cancel, alleging Equipment installation issues. NLSI advised the Complainant to contact his Merchant Services provider on this matter. The Complainant did not make any claim of forgery at this time.
Notwithstanding the above, please see enclosed for an Affidavit of Forgery (an “AOF”) for Lessee to complete on this matter. It is imperative that the entire AOF be completed and submitted (along with a filed police report) for NLSI’s investigation.
However, please be advised that submitting the AOF will not amount to a unilateral termination of the Agreement. NLSI will conduct a formal review of the AOF and make a final determination therein. Upon doing so, 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 Department
Northern Leasing Systems, Inc.
Enclosed: 1) Copy of Lease Agreement
2) Copy of Delivery and Acceptance Receipt (via mail and email)
2) Copy of Affidavit of Forgery (via mail and email)

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:

I AM DISABLED AND HAVE NO MONEY.  LEAVE ME ALONE!
 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
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June **, 2016
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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.
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
2) Copy of Lease

Please find our response attached originally
sent 10/6/14. Thank You.

NLS has been unsuccessful in locating the lease account concerning the Complainant's dispute.Thus, kindly provide the Northern Leasing System's Lease number and Lessee/business name associated with it.Upon receiving this necessary information, NLS will then provide a formal reply.Thanks kindly.

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Dear Revdex.com:

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.
Please contact me at ###-###-#### for any further assistance.
Very truly yours,
Elba P[redacted] Director, Customer Service Department
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:

 THE COMPANY(MBF LEASNG)  HAS NOT SENT ME A RELEASE AS REQUESTED BY ME TO STOP AND CEASE WITH FURTHER LEGAL ACTONS AGAINST ME. NOR HAS THEIR LEGAL TEAM STOPPED SENDING THREATHENNG LETTERS TO SUE ME IN COURT
 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

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Dear [redacted]:

Please consider this Northern Leasing Systems, Inc. (“NLSI”) formal response to the 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.
However, in an effort to amicably resolve this matter, NLSI extends the following settlement proposal (a copy of which will be mailed directly to Lessee):
Upon receipt of equipment and successful negotiation of payment in the amount of $841.87, NLSI will release Lessee and Complainant (as Personal Guarantor) from any and all obligations under the Agreement. This offer will expire in 30 days from the date of this letter.
Please reference your lease number and mark "SETTLEMENT" when remitting your payment to the following address:
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NLSI’s proposal is merely an accommodation and will not be construed as an admission of any wrongdoing or liability whatsoever.
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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To Whom It May Concern:
Please consider this Northern Leasing Systems, Inc. (“NLSI”) formal response to the above-referenced complaint.
As NLSI has received Lessee’s returned equipment, and as all appropriate payments have been accepted, the above-referenced lease agreement (the “Agreement”) has been terminated as of May **, 2016.
Accordingly, Lessee and Complainant (as Personal Guarantor) have been released from any and all obligations thereunder. An official Release Notice letter will soon be 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.

October *, 2016   VIA FAX: ###-###-#### AND E-MAIL: [redacted]  
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[redacted]                                    [redacted]   Dear Revdex.com:   Please consider this Northern Leasing Systems, Inc.’s (“NLSI”) reply to Lessee’s latest rebuttal complaint.   We have addressed this several times and our position has not changed. Despite our best efforts to explain our position, the complainant continues to indicate an unwillingness to return the necessary paperwork for investigation. In the alternative, the complainant may make the unconditional and personally guaranteed lease payment as per the non-cancellable lease contract that has been signed. We hope the Revdex.com understands our position as a finance company and how we are the damaged party when payment due us is withheld. We sincerely wish that the complainant reconsider and call our offices to discuss the options available to her. 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. (“NLSI”) formal response to the above-referenced complaint.
As of September [redacted], 2016, the above-referenced lease agreement (the “Agreement”) was terminated. Accordingly, Lessee and Complainant (as Personal Guarantor) have been released from any and all obligations thereunder.
An official Release Notice letter has been 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 above-referenced complaint. As NLSI services MBF Leasing, LLC’s portfolio, please accept NLSI’s reply on its behalf.
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 within ten (10) days of the expiration/termination of the Agreement, or
b) purchase the Equipment on an as-is/where-is basis, provided Lessee notifies NLSI within 30 days before expiration of the Agreement or its monthly renewal period.
The provision 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, NLSI did not receive the Equipment from the Lessee until February **, 2016. Thus, the Lessee owes for February (when she still had the Equipment) plus the final payment due upon the return of the Equipment. The total account balance is $293.00
Kindly advise Lessee to contact NLSI directly at ###-###-#### to resolve this matter as soon as possible.
Sincerely,
Elba P[redacted] Director, Customer Service Department
Northern Leasing Systems, Inc.

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Please consider this Northern Leasing Systems, Inc.’s (“NLSI”) reply to Lessee’s last rebuttal complaint.
This matter is now being litigated in court. Accordingly, please advise Lessee to contact NLSI’s attorney’s office for further information on this dispute:
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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.

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:

We do not feel we should have to pay anymore of the lease due to the reasoning that our store was flooded and that we are not using the equipment.  We still don't understand how a lease can be non-cancellable. Given normal circumstances we understand but this is different in that it was not our doing to close our store it was an act of nature.  We are still wanting to send the equipment back but have not gotten an address to send it to.  We would consider the lease terminated with us returning the equipment and the lease being cancelled.
 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

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 and the matter has been resolved.
I have not received a letter of termination as of yet but will except this response. I have received another bill for 138.68 due 6/*/16. Invoice date is 5/**/16 and this response is dated 5/**/16. Hopefully this is taken care of and if so I thank you
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 [redacted] of RB Check Cashing (“Lessee”) and thanks you for the opportunity to reply. Upon reviewing Lessee’s complaint, 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.
Concerning Lessee’s relevant background information:
Lessee executed the 36 month term Agreement dated January **, 2013 (see enclosed), which contains the Complainant’s signature on Lessee’s behalf and as the Personal Guarantor (the “PG”) thereunder. Its Schedule of Lease Payments details Lessee’s base monthly payments of $50.00 (plus applicable taxes and fees) towards the leased equipment (the “Equipment”).
Lessee completed a Quality Control call on February **, 2013 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 $50.00 for a 36 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 states in October of 2015 attempted to contact NLSI to advise his company would be going out of business and left several messages. When finally made contact in January the lease had expired and was informed the process to close out the lease would be to return the equipment as it was paid off. Lessee further states was not told to send letter of cancellation until June of 2016 at which time the Lessee sent the letter and returned the equipment.
In response, NLSI has no record of contact with the Lessee in 2015 and instructions are not in line with what representatives of NLSI would have said. It is likely that the conversation the Lessee had took place with the merchant processing company. The processing company bears no affiliation with NLSI.
Additionally, 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 within ten days of the expiration of the Lease Term or monthly renewal period and pay us a $150.00 restocking fee.
b) Provided that you notify us in writing within thirty (30) days prior to the expiration of the Lease Term or monthly renewal period that you wish to exercise this option, you may purchase the equipment on an as-is where-is basis for its replacement value which amount shall be due at expiration of the Lease Term or monthly renewal period. If you do not provide us within thirty days’ written notice of your intention to exercise option b) or if you fail to return the equipment to us within ten (10) days of the expiration of the Lease Term or monthly renewal period, this Lease shall thereupon be extended on a month-to-month basis at the same monthly lease payment (under the same terms and conditions)
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, payments from the time the Lessee was in possession of the equipment are still owed in the amount of $512.70 which includes a current delinquent balance of $289.75. Please advise the Lessee to contact NLSI directly at ###-###-#### to settle the matter.
Very truly yours,

Elba P[redacted] Director Customer Service
Northern Leasing Systems, Inc.
Enclosures:
1. Copy of Lease Agreement

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Dear Revdex.com Customer Relations Advocate:

Please consider this Northern Leasing Systems, Inc.’s (“NLSI”) reply to Lessee’s rebuttal complaint.
NLSI’s position has not changed and we fully intend to enforce our rights.
Inasmuch as the equipment was returned to NLSI, payments from the time the Lessee was in possession of the equipment are still owed in the amount of $512.70 which includes a current delinquent balance of $289.75.
Please advise the Lessee to contact NLSI directly at ###-###-#### to settle the matter.
Very truly yours,

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

SCAM!!!! After product was paid off, they continued to send bills. Also tried to withdraw $1500 from bank account, unauthorized. Has continued to harass for money, after product was paid for in full.

The company continues to charge our accounts even though they are not authorized to do so. Finally had to dispute charges through my bank to get them to stop. I call constantly to figure out why I am being assessed fees that are not in the contract. No one can help and the manager Madeline refuses to return phone calls. The company sent us to collections even though we are paid in full, but can never get anyone to help resolve the issue. I called 9 times today alone! This has been going on since 2011 when we foolishly signed a contract with them. We pay our obligations, but we refuse to be scammed out of more than we truly owe!

Review: A high pressure salesman came into my business promising to save me money on my credit card transactions and leasing me the equipment through Northern Leasing. I was told that I had 10 or 14 days ( don't remember exactly due to it being 4 years ago ) after signing the dotted line and he left I decided to do a little back ground check on them and found NUMIROUS complaints on line. It took 2 days to get the equipment and I called him back and told him I had changed my mind and wanted out. He told me he would send me what I needed to send the equipment back. I waited a cpl days and never got anything and tried to call him again and was never able to get him to answer his phone again. so I contacted Northern Leasind and was told I had only three days to return the equipment which was already passed. After several phone calls and never being able to resolve the issue. To shorten this story I have paid for 4 years for this equipment which I did't even use 2 pieces (had boxed up waiting for lease to run out to return) Now my lease was up this month so I contacted them last month just before the lease was up and they tried their high pressure sales pitch wanting to send me new equipment. I told them I already had new equipment which I paid a fraction of what they had already charged me for this equipment. So they told me where to return the equipment and to send them a buyout check for $100.62 as my final payment. I sent the check and the equipment by [redacted] and had someone sign for it. They received the equipment before the cut off date. THEN I received a letter stating that I had not returned all the equipment and that my lease would continue till they received it. I had leased 3 pieces of equipment and returned 3 pieces. I called them and told them I had returned the equipment and was told that 2 of the pieces was wrong which I told them it was the only equipment here and it was theirs. then he said forget about the he want to lease me more. I enformed him I had already bought a new credit card machine from the company that processes my cards. He then told me to pay them $79.00 and that would clear it up. I then told him I had been paying them $72.88 a month for 48 months that I had MORE than paid for that equipment and I wasn't going to pay them another cent. Now I am getting letters from them and another lease statement. I have paid them $72.88 for 47 months and a final payment of $100.62. This company is UNREAL!!!!!! How do they get away with this??Desired Settlement: I want this company to leave me alone and quit harassing me.

Business

Response:

To Whom It May Concern:

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

As NLSI has received Lessee’s returned equipment, and as all appropriate payments have been accepted, the above-referenced lease agreement (the “Agreement”) has been terminated as of May **, 2016.

Accordingly, Lessee and Complainant (as Personal Guarantor) have been released from any and all obligations thereunder. An official Release Notice letter will soon be 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.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

I have not received a letter of termination as of yet but will except this response. I have received another bill for 138.68 due 6/*/16. Invoice date is 5/**/16 and this response is dated 5/**/16. Hopefully this is taken care of and if so I thank you

Sincerely,