OwnerGUARD Corp

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below It does not satisfy me because AmeriPlus failed to ask South Tacoma Auto how many times I have previously brought the car in prior to beinging it in in AugustI also was never mailed a copy of the contract nor provided with oneI previously stated the amount of times I brought my car in and I have paperwork from South Tacoma Auto proving it and of all the diagnostics done not one of them stated anything with lack of lubrication or low oil Regards, [redacted]

March 23, RE: Revdex.com ID- [redacted] Consumer: [redacted] ** Guaranteed Asset Protection (Gap) Waiver: [redacted] Dear Ms***: This email serves to respond to the complaint received in your office as relates to the declination of benefits under Mr [redacted] ’s Guaranteed Asset Protection (GAP) Waiver due to a criminal actMr [redacted] purchased a Guaranteed Asset Protection (GAP) Waiver (Waiver) from Shaver Preferred Motors in connection with the purchase of his Pontiac G6, Vin# [redacted] The Waiver is a complete agreement between the dealer/lender and Mr [redacted] and stands on its own, whether or not the dealer/lender have protected themselves through any kind of insurance programOwnerGUARD is not a party to the agreement but is the administrator of the programThe Exclusion section of the Waiver provides the following in part: “No waiver of debt will occur for a Total Loss: (4) that results from forgery, use of an alias or any criminal or illegal act committed by You, at Your direction or by any person in lawful possession of the Motor Vehicle.” Mr [redacted] was involved in a collision on January 9, The police report for the incident revealed that Mr [redacted] was operating his vehicle while intoxicatedIn following the Waiver language cited above, the request for benefit was denied and a declination letter was issued on February 27, However, on March 17, 2015, attorney [redacted] provided documentation from the Merrillville Town Court recording that the criminal case against Mr [redacted] had been dismissedThe documentation stated that based on the facts and circumstances of the case, the State could not prove its case beyond a reasonable doubtIn response to this new information, the request for benefits was re-opened and the Gap benefits were processedA check in the amount of $3,was issued to the lienholder (Community Wide Credit Union) for Mr [redacted] ’s Pontiac G6, on March 23, The Gap benefits were calculated as follows: Calculated Balance as of the date of loss (01/09/15): $13,Less Primary Insurance Settlement Check: $8,Less Vehicle Service Contract Refund: $1,Less Pre-paid Interest: $Gap Settlement: $3,Please note that the Vehicle Service Contract (Contract) refund above is a manual calculation based on the terms of the ContractIf Mr [redacted] or Community Wide Credit Union has not received this refund, they need to contact Shaver Preferred Motors and request a cancellation refundThe refund calculations should be based on the date of loss of January 9, We believe this properly responds to your inquiry and that the request for benefits were adjudicated in accordance with Waiver languageHowever, If there are any further questions, please feel free to contact me directly at [redacted] Regards, [redacted] ***Total Loss Manager

[redacted] I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted] this response doesnt say why my claim was denied.furthermore the attached rules they sent me were not given to me when I bought this service contract.it clearly states that engine p***s are covered up to $3000.the work being done now is less than $according to my mechanic..yes in the past they did pay $for my trucks tranny..but it was hard to get them to pay!My truck sat over month at tranny shop.im not stupid.they are thinking bec.they paid for my tranny,the same cost that I paid for this warranty/serv.agreement now they dont have to pay anything else.are you kidding me?why does anyone pay for a serv.plan?bec.sometimes cost to fix things are expensive!this is the case here.I guess they figure that people buy into their product and never use it.thats how ins./warranty places make their money.well thats not what the law says.pay up,like I did when I bought into your policy.if I would have known the kind of business you run there I never would have bought it.shame on you people.ive seen many complaints about ownerguad corp.its not even funny.ownerguard what a joke,and ironic name isnt it?...I spoke with blue rhino motors where I bought my truck and they told me they quit doing business and selling your so called service contracts bec.of your attitude towards them and your customers!!!...now ill have to seek legal help to try and extract payment

Re: Vehicle Service Contract Contract: [redacted] *** Contract Holder: [redacted] Revdex.com ID: [redacted] Dear Ms**: This letter serves to respond to your September 25, inquiry, as relates to the complaint received in your office from *** [redacted] , regarding her Vehicle Service Contract Ms [redacted] purchased a Vehicle Service Contract (Contract) in conjunction with the purchase of a Cadillac CTS from South Tacoma Auto Sales on April 19, 2014, recording the purchase mileage of 96,The Contract provides limited base powertrain coverage for the engine and transmission for a term of months and 100, miles, whichever occurs first South Tacoma Auto Sales (repair facility) contacted our office on August 28, The vehicle arrived at their repair facility on August 27, with a customer complaint of a check engine lightThe repair facility reported engine misfire codes of P0300, P0302, Pand Pand recommended engine replacementThe repair facility was advised that an independent inspector would be sent to verify the failures and also in accordance with Contract requirements, one oil change receipt would be needed to qualify the claim The Contract provides the following under Your Responsibilities section in part: ”In order for you to receive benefits under the terms of this Service Contract, You are required to have the engine oil and filter changed every six (6) months or four thousand (4,00) miles, whichever occurs first Failure to have the required maintenance performed and/or failure to provide verifiable receipts when requested may result in denial of coverage.” Please note that OwnerGUARD serves as the administrator of the Vehicle Service Contract (Contract) and is not at liberty to waive the terms and conditions set forth in the document executed and agreed to by Ms [redacted] and South Tacoma Auto SalesCoverage of the Contract requires that certain maintenance requirements be met, one of which is that the engine oil be changed every months or 4,miles, whichever occurs first Unfortunately, Ms [redacted] failed to follow the terms of her Contract and did not have an oil change performedIn conjunction, an independent inspector was sent to verify the engine failures and reported the cause of failure to be consistent with a lack of lubrication The engine claim was denied due to no verifiable service records and lack of lubricationA declination letter (Included) was issued to Ms [redacted] on September 18, We believe that this provides a comprehensive response to your inquiry and that the claim was adjudicated in accordance with Contract languageHowever, if there are any further questions or concerns, please contact our office at 800- [redacted] , selecting extension *** Regards, [redacted] *** Mechanical Claims Manager

---------- Forwarded message ----------From: [redacted] < [redacted] >Date: Tue, Feb 10, at 1:PMSubject: RE: You have a new message from your Revdex.com regarding complaint # [redacted] To: " [redacted] >To Whom It May Concern: This email will respond to your inquiry of February 5, Mr [redacted] purchased the Guaranteed Asset Protection (GAP) Waiver (Waiver), [redacted] ) from KB Auto Emporium Inc (Dealer) in connection with the purchase of his Chrysler Town & Country and financing arrangement with USAAThe Contract purchased by Mr [redacted] is a complete agreement between the consumer and dealer/lender and stands on its own, whether or not the dealer/lender have protected themselves through any kind of insurance programOwnerGUARD is not a party to the agreement but is the administrator of the programThe request to process [redacted] ***’s cancellation was honored by OwnerGUARD and a refund check in the amount of $was issued by OwnerGUARD, for our portion of the refund amount to the DealerThe refund calculation was based on the Rule of 78ths formulaUnder the Rule, eachmonth in the Contract is assigned a valueAs the months elapse, the cost of theContract is earned equal to the total value of the expired monthsMr***’s Contracteffective date was June 18, cancelled December 5, 2014, earning monthsTherefund factor of is calculated by first calculating a term (months) factorwhich is then divided by the earned or in-force factorThe refund factor (0.780892) isthen applied to the $original cost of the ContractOr, $refund to consumerThe Dealer, an independent contractor of the GAP program would add their portion of the refund amount to the consumerAttached is a copy the front and back of our cancellation refund check that was negotiated by the Dealer on January 21, 2015, as well as the cancellation refund breakdownIn response to your inquiry, we contacted the DealerOn February 10, 2015, [redacted] at the Dealer advised that she spoke with Mr [redacted] and had issued a refund check to him in the amount of $We believe this properly responds to your inquiryHowever, if there are any further questions or concerns, please feel free to contact me directly at [redacted] .€Regards,€€€ [redacted] ***Manager

---------- Forwarded message ----------From: ** *** Date: Mon, Mar 2, at 12:PMSubject: RE: You have a new message from your Revdex.com regarding complaint #***To: "***" March 2, 2015 RE:
*** *** Guaranteed Asset Protection (GAP )Waiver: *** Revdex.com ID *** To Whom It May Concern: This email serves to respond to complaint ID# *** that was received in your office regarding the processing of benefits under *** ***’s Guaranteed Asset Protection (GAP) Waiver. *** *** purchased a Guaranteed Asset Protection (GAP) Waiver (Waiver) from *** *** ** *** on October 2013, in conjunction with the purchase of a Nissan Pathfinder, vin#***. Due to the complexity of the gap benefit and the nature of the loss (Theft), it was necessary to request additional documentation in order to complete the adjudication processHowever, the request for benefit has been completed and check number *** in the amount of $9,was issued to *** *** *** on February 26, 2015. If there are any further questions, please feel free to contact me directly at *** ***. Regards, ** ***Total Loss Manager

This email will respond to *** ID of *** as relates to the complaint received in your office from *** ***
Mr*** purchased a Vehicle Service Contract number PT from *** *** *** ***, on January 11, 2010, in conjunction with the purchase of a *** ***
*** ***The Vehicle Service Contract (Contract) is a base powertrain contract with a term of months and 100,milesThe Contract (specimen contract attached) provides limited coverage for specific listed components of the engine and transmissionThe maximum aggregate limit of liability for engine claims $3,less a $deductible and $2,less a $deductible for transmission claimsOf note, a transmission claim was processed in March of and the full coverage of $2,less $was paid
As relates to Mr*** complaint, Lemus Auto Repair (repair facility) initiated a claim with our office October 8, reporting a check engine light, code PThe repair facility believed the cause of failure to be a burnt exhaust valveWe sent an independent inspector to verify the repair facility’s findingsThe check engine light and code were verified, however, the cylinder head had not been removed to demonstrate the burnt exhaust valveThe repair facility was instructed to obtain customer approval to remove the cylinder head to fully diagnose the failure
The repair facility removed the cylinder head and sent it to a machine shopWe contacted the machine shop on October 24, and spoke with MaxMax stated that the only failure he found was the cylinder headMax reported that the cylinder head was deformed due to excessive heat, which caused the valves not to seat properlyMax stated that he could machine the cylinder head and valves to resolve the complaint
Please note that OwnerGUARD serves as the administrator of the Contract and is not at liberty to waive the terms and conditions set forth in the document executed and agreed to by Mr***In conjunction, we must adhere to specific Contract language found in the Covered Components section that states in p***:
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Dear *** ***
As recorded in our original response, the claim for a cylinder head repair was denied because the Vehicle Service Contract (Contract)purchased by Mr*** states that the cylinder head is only covered if damaged by the failure of an internally lubricated p*** of the engineAccording to the machine shop that inspected the cylinder head, the cylinder head was deformed due to excessive heatThis condition does not meet the requirement for coverage, therefore, the claim was denied
It is always our intention to provide all available coverage under the terms of a contractWe regret in this case, that the Contract was unable to provide coverage for the failed componentHowever, as previously stated, we are not at liberty to waive the terms and conditions set forth in the document executed and agreed to by Mr***
Of note, although the transmission coverage of the Contract has been exhausted, the engine coverage in the amount of $3,less $deductible remains available through the term of the Contract for all listed covered components
The timeline of the previous transmission claim was reviewed in response to Mr*** statement that the vehicle was at the repair facility over a monthLeon’s Transmission notified our office of a transmission failure on March 28, They were advised to obtain customer authorization for tear down to determine the cause and extent of damage, to request service receipts from Mr*** to qualify the claim and that an inspector would be sent when this was accomplishedAn inspector was sent to verify the failures and on April 4, or seven days after our office was initially notified of the failure, the claim was authorized for the maximum coverage of the contract for transmission repairs
We believe that this properly responds to your inquiry and that the declination for non-covered failure follows Contract languageTherefore, the claim will remain denied and we will consider this matter closed
Regards,
** ***
*** *** ***

*** ***
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*** ** ***Re: Financial GAP Benefit:Consumer: *** ***Policy: ***Benefit: 702Date of Loss: 07/14/13Dear Ms***:Email: ***@live.comWe have received and reviewed your request concerning the settlement provided under the terms
of yourGuaranteed Asset Protection (GAP) Insurance Policy ("Policy") and offer the following response:The Policy is designed to provide coverage in the event of a deficiency between the net outstanding leaseor loan balance and the actual cash valuePursuant to the terms and conditions of the Policy, the GAPbenefit was calculated as follows:Outstanding balance as of date of loss (09/25/14) and defined as follows:Balance as of last payment $+ days interest $$23,371.36"Net Outstanding Lease or Loan Balance means the amount owned by you to clear theoutstanding lease balance, including the residual value, or loan balance as of the date oftotal lossThis amount may not include any of the following:Unearned interest, unearned lease or finance charges of any type, including any profit, upfrontfees, or commission;Any proceeds that may be recovered by canceling insurance coverages, service contracts,auto club or roadside assistance plan, extended warranties or similar items;Any collection fees, disposition fees, early termination fees, penalty fees, repossession orstorage expenses, lien expense, late charges, loan extensions or any financial penaltiesimposed under a lease for excessive use, abwear and tear or high mileage;Delinquent or overdue payments as of the date of total loss;Security deposits not refunded by the lessor; orAny amount financed which was not specifically related to the financing of your coveredmotor vehicle. Less Delinquent Payments & Late Fees fS9,19.B3l(See attached payment history worksheet)Refer to the Coverage Period section and Past Due Payments Endorsement section of the Policywhere it states in part:" If your lender/lessor grants and extension of maturity for your loan or lease, the amountextended will be considered as a delinquent or overdue loan or lease payment in computing thenet outstanding loan or lease balance."OwnerGUARD Corporation www.ownerguard.comHancock Street • Suite • San Diego, California • 92110-• ###-###-#### • ###-###-#### • Fax ###-###-####"The following coverage is added to your Guaranteed Asset Protection Insurance Policy: Allowcoverage at no additional charge for past due payment(s) not to exceed thirty days past dueunder the terms of the lease or loan agreementAll other terms and conditions remain the same."Less Actual Cash Value ($10.920.81)(Includes $for wear and tear)"Actual Cash Value shall mean the greater of:The total loss payment made by the primary insurance carrier, plus that policy's deductibleamount; orThe retail value of your covered motor vehicle as of the date of total loss as determined bythe established retail value guide; orIf there is no listing for the vehicle, actual cash value shall be the amount we havedetermined based on the best available information substantiating the retail value as of thedate of total loss."Refer to Section Ill- Exclusions, where it states in part:Coverage does not apply:Fto any loss resulting from total loss to your covered motor vehicle caused by or resulting fromwear and tear, gradual deterioration, obsolescence, rust, corrosion, latent defect, inherent vice,freezing, overheating, or resulting from any repairing, restoration or remodeling process,structural, mechanical or electrical breakdown or failure unless fire or other accidents ensues,and then only for the physical loss or damage by such ensuing fire or accident;"Total deficiency $3,430.67Paid with check# ***, issued 12/26/14The benefit will remain as calculated and no further adjustments will be madeIf you have anydocumentation that would have bearing on these adjustments, please provide them to the attention of theReview Committee and we will advise you accordingly.Sincerely,** ***Review Committee

Re: Vehicle Service Contract 
 Contract: [redacted] 
 Contract Holder: [redacted] 
 Revdex.com ID: [redacted] 
 
 
 
Dear Ms. **: 
This letter serves to respond to Ms. [redacted]’s follow up inquiry of September 29, 2014. 
 As stated in our original response to your inquiry, as the administrator we are obligated to adjudicate claims based on the terms and 
conditions of the Contract executed and agreed to by Ms. [redacted] and South Tacoma Auto Sales. The attached applications page 
records Ms. [redacted]’s signature, acknowledging the following in part: 
“I have reviewed all the coverage and options available. All of the options I wish to purchase are clearly marked above. I have read 
and understand the “Your Responsibilities” section of the Service Contract. I hereby declare that I have received the Service 
Contract and the above information is correct.” 
The selling dealer provides the Contract copy to the consumer at the date of purchase and Ms. [redacted]’s signature acknowledges that 
she received the Service Contract. Ms. [redacted]’s signature also acknowledges that she read and understood the “Your 
Responsibilities” section of the Contract. This section clearly states that the Contract requires engine oil changes every six months or 
4,000 miles, whichever occurs first. 
Unfortunately, Ms. [redacted] failed to have the engine oil changed as required by the Contract. In conjunction, an independent 
inspector advised that the damage to the engine was consistent with lack of lubrication. Therefore, the claim will remain denied and we 
will consider this matter closed. 
Regards, 
[redacted] 
Mechanical Claims Manager

Re: [redacted]Contract: [redacted]Revdex.com ID#: [redacted] Dear Ms. [redacted]: This email will respond to your inquiry of July 11, 2015 as relates to the cancellation of [redacted]’s Guaranteed Asset Protection (Gap) Waiver. Mr. [redacted] purchased a Guaranteed Asset Protection (Gap)...

Waiver (Waiver) from [redacted] Motors in connection with the purchase of his 2006 Nissan Frontier and financing arrangement with [redacted] Dealer Services. The Waiver purchased by Mr. [redacted] is a complete agreement between the consumer and dealer/lender and stands on its own, whether or not the dealer/lender have protected themselves through any kind of insurance program. OwnerGUARD is not a party to the agreement but is the administrator of the program. The request to process [redacted]’s cancellation was honored by OwnerGUARD and a refund check in the amount of $61.70 was issued by OwnerGUARD, for their portion of the refund amount to [redacted] Motors on April 30, 2015. The refund calculation was based on the Rule of 78ths formula. Under the Rule, each month in the Waiver is assigned a value. As the months elapse, the cost of the Waiver is earned equal to the total value of the expired months. Mr. [redacted]’s Waiver effective date was September 24, 2014, cancelled on April 7, 2015, earning 6 months. The refund factor of 0.797875 is calculated by first calculating a term (60 months) factor which is then divided by the earned or in-force factor. The refund factor (0.797875) is then applied to the $895 original cost of the Waiver. Or, $664.10 refund to consumer. [redacted] Motors is an independent contractor of the GAP program who would add their portion of the refund amount to the consumer. In response to this inquiry, our cancellation department contacted [redacted] Motors and spoke with Giovanni. Giovanni asked that we re-send the cancellation breakdown and they would issue a cancellation refund check to Mr. [redacted]. On July 22, 2015, Giovanni advised that a gap cancellation check was issued and stated that he would contact Mr. [redacted] to inform him of the check issuance. We thank you for the opportunity to review this file and work to reach resolution. If there are any further questions or concerns, we ask that you contact our Cancellation Department at [redacted] and select the prompt for Gap Cancellations. Regards,   [redacted]Director of ClaimsOwnerGUARD an Amtrust Financial Company1785 Hancock St. Ste 100San Diego, CA 92110[redacted]Ownerguard.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved. Also, I want to express my gratitude to [redacted] at Warrentech for taking the time to explain to me the reasons of the initial denial and eventual solution.  He took his time to explain the MANY processes in the claim process and the decisions that go into a claim.  In return, I learned a lot for future car repairs and felt that he treated this situation with the upmost respect and professionalism.  I know they were not under any obligation to even respond to the Revdex.com complaint, but they opened up dialogue promptly and professionally.  That's all I can ask for. The whole process with Mr. [redacted] was a very positive and appreciative one. I was hoping to get reimbursed for the whole amount that I requested, but I felt the explanation from Mr. [redacted] made sense and therefore felt it was a fair settlement for both parties. And again, I appreciate the thoroughness of this claim.
 
Regards,
[redacted]

Re: Vehicle Service Contract 
 Contract: [redacted] 
 Contract Holder: [redacted] 
 Revdex.com ID: [redacted] 
 
 
 
Dear Ms. **: 
This letter serves to respond to your September 25, 2014 inquiry, as relates to the complaint received in your...

office from [redacted] 
[redacted], regarding her Vehicle Service Contract. 
Ms. [redacted] purchased a Vehicle Service Contract (Contract) in conjunction with the purchase of a 2005 Cadillac CTS from South 
Tacoma Auto Sales on April 19, 2014, recording the purchase mileage of 96,261. The Contract provides limited base powertrain 
coverage for the engine and transmission for a term of 60 months and 100, 000 miles, whichever occurs first. 
South Tacoma Auto Sales (repair facility) contacted our office on August 28, 2014. The vehicle arrived at their repair facility on 
August 27, 2014 with a customer complaint of a check engine light. The repair facility reported engine misfire codes of P0300, P0302, 
P0304 and P0306 and recommended engine replacement. The repair facility was advised that an independent inspector would be sent 
to verify the failures and also in accordance with Contract requirements, one oil change receipt would be needed to qualify the claim. 
The Contract provides the following under Your Responsibilities section in part: 
”In order for you to receive benefits under the terms of this Service Contract, You are required to have the engine oil and 
filter changed every six (6) months or four thousand (4,00) miles, whichever occurs first. 
Failure to have the required maintenance performed and/or failure to provide verifiable receipts when requested may result in 
denial of coverage.” 
 
Please note that OwnerGUARD serves as the administrator of the Vehicle Service Contract (Contract) and is not at liberty to waive the 
terms and conditions set forth in the document executed and agreed to by Ms. [redacted] and South Tacoma Auto Sales. Coverage of 
the Contract requires that certain maintenance requirements be met, one of which is that the engine oil be changed every 6 months or 
4,000 miles, whichever occurs first. 
Unfortunately, Ms. [redacted] failed to follow the terms of her Contract and did not have an oil change performed. In conjunction, an 
independent inspector was sent to verify the engine failures and reported the cause of failure to be consistent with a lack of lubrication. 
The engine claim was denied due to no verifiable service records and lack of lubrication. A declination letter (Included) was issued to 
Ms. [redacted] on September 18, 2014. 
We believe that this provides a comprehensive response to your inquiry and that the claim was adjudicated in accordance with Contract 
language. However, if there are any further questions or concerns, please contact our office at 800-[redacted], selecting extension [redacted]. 
Regards, 
[redacted] 
Mechanical Claims Manager

March 23, 2015 RE: Revdex.com ID- [redacted]       Consumer: [redacted].       Guaranteed Asset Protection (Gap) Waiver: [redacted]      Dear Ms. [redacted]: This email serves to respond to the complaint...

received in your office as relates to the declination of benefits under Mr. [redacted]’s Guaranteed Asset Protection (GAP) Waiver due to a criminal act. Mr. [redacted] purchased a Guaranteed Asset Protection (GAP) Waiver (Waiver) from Shaver Preferred Motors in connection with the purchase of his 2007 Pontiac G6, Vin#[redacted] The Waiver is a complete agreement between the dealer/lender and Mr. [redacted] and stands on its own, whether or not the dealer/lender have protected themselves through any kind of insurance program. OwnerGUARD is not a party to the agreement but is the administrator of the program. The Exclusion section of the Waiver provides the following in part: “No waiver of debt will occur for a Total Loss: (4) that results from forgery, use of an alias or any criminal or illegal act committed by You, at Your direction or by any person in lawful possession of the Motor Vehicle.” Mr. [redacted] was involved in a collision on January 9, 2015. The police report for the incident revealed that Mr. [redacted] was operating his vehicle while intoxicated. In following the Waiver language cited above, the request for benefit was denied and a declination letter was issued on February 27, 2015. However, on March 17, 2015, attorney [redacted] provided documentation from the Merrillville Town Court recording that the criminal case against Mr. [redacted] had been dismissed. The documentation stated that based on the facts and circumstances of the case, the State could not prove its case beyond a reasonable doubt. In response to this new information, the request for benefits was re-opened and the Gap benefits were processed. A check in the amount of $3,560.14 was issued to the lienholder (Community Wide Credit Union) for Mr. [redacted]’s  2007 Pontiac G6, on March 23, 2015. The Gap benefits were calculated as follows: Calculated Balance as of the date of loss (01/09/15): $13,860.75 Less Primary Insurance Settlement Check:                        $8,648.50 Less Vehicle Service Contract Refund:                                 $1,552.11 Less Pre-paid Interest:                                   �...⇄  $100.00 Gap Settlement:                                  �...⇄ $3,560.14 Please note that the Vehicle Service Contract (Contract) refund above is a manual calculation based on the terms of the Contract. If Mr. [redacted] or Community Wide Credit Union has not received this refund, they need to contact Shaver Preferred Motors and request a cancellation refund. The refund calculations should be based on the date of loss of January 9, 2014. We believe this properly responds to your inquiry and that the request for benefits were adjudicated in accordance with Waiver language. However, If there are any further questions, please feel free to contact me directly at [redacted]. Regards,   [redacted]Total Loss Manager

On October 31, 2017 OwnerGUARD issued check # [redacted] to [redacted] Finance in the amount of $3,397.69 which included interest to date of payment.  This check was sent priority mail to [redacted] at their street address [redacted] # [redacted].  Mr. [redacted] was notified of this action via e-mail on 10/31/2017 10:08 a.m. by our [redacted].  As of today the check has not paid our bank.  Copy of check and USPS shipping label provided.

OwnerGUARD will issue a check to the lender for $3,000.00 plus interest.  We have reached out to the consumer to confirm the interest rate on his Retail Installment Contract with [redacted]. We expect to have this check prepared and mailed to [redacted] by end of day Tuesday 10/31/2017, pending...

confirmation of the interest rate.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]

Dear Ms. [redacted], Attached is the response from our Cancellation Department. Please advise if there are any further questions or concerns. Regards, March 09, 2017Consumer: [redacted] or [redacted] Contracti: [redacted]E-MAIL: to: Revdex.comof San Diego, Orange & Imperial Counties...

Attention: [redacted] From: [redacted]619-228-0 100 x [redacted] 619-228-0128 FaxWe wish to inform you that we are unable to process the request for cancellation for the followingContracts cannot be cancelled after a total loss has been processed. (See details below):A claim was filed on 2/6/2017CANCELLATION - You may cancel this Waiver any time by mailing or delivering a written cancellation request to the Dealer, Lienholder or Program Administrator within 30 days of the requested cancellation date. If this Waiver is cancelled within 30 days of purchase, and no Total Loss has occurred, a full refund will be issued. If this Waiver is cancelled after 30 days from purchase, or if a Total Loss has occurred, the refund shall be calculated using the Rule of 78 refund method (Pro Rata for Ally Financial, Chase and FMCC or as may be required by state lawless a $50 cancellation fee. The Lienholder will be the payee on any refund. This Waiver will not be reinstated after a cancellation is requested. No refunds will be issued if a request for benefits has been filed. No cancellation fee for FMCC or in CO, IN, KS, LA, NH, NM, WT. W.A request for deficiency has been filed.There is no record of the Contract in our system. We recommend you return to the selling entity for additional information.The request for GAP coverage cancellation has been received. The request for cancellation declares the vehicle a total loss.Please confirm:we acknowledge the vehicle is a total loss - please process thecancellation as requested. We understand and agree that once a Contract is cancelled, it cannot be reinstated and that no benefits are available for total losses that happen prior to or after cancellation.Disregard the cancellation request and open a claim.Signature,  [redacted]Director of Claims

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[It is alarming OwnerGuard would reference two sided documents that I have no knowledge of. The submitted documentation are all original contracts I signed and received during purchase of vehicle. I have included the original sales contract which references the $895 I paid at the time of purchase. I reiterate I purchased GAP insurance from said company, my claim is within the terms of service. If they choose not to honor their contractual obligation I am asking as a resolution they return my payment for GAP. Subjecting the client to accusations of two sided documents when they have my application and payment on file is unacceptable. ]
Regards,
[redacted]

We contacted Mr. [redacted] and resolved his complaint to his satisfaction.The Claims Manger contacted Mr. [redacted] and settled his claim by offering to pay replacement of the throttle body based upon Ford factory part retail price in the amount  of $373.94, a gasket for $18.40, and 2.0 labor...

hours for $190.00  In total, Mr. [redacted] will be reimbursed as a customer courtesy, $582.34.There were other parts included in the invoice; however, these are not covered by the contract.  The customer will contact Midas regarding the expense of the replacement of the accelerator pedal assembly and the reflash of the ECM, as these did not appear to be necessary.  All of this has been communicated to Mr. [redacted], and he is satisfied with this resolution. Should any questions remain, please feel free to contact us. Customer Care [email protected]