Portfolio

Please see the attached response to the rejection of the original response.Dear Mr. [redacted]:This is the 2nd letter in response to your complaint with the Revdex.com.As stated in the 1st response: We have the right to choose like kind and quality parts. The 1st paragraph on the 2nd page of your Agreement statesWHAT IS COVERED: Upon payment of the deductible amount per visit selected on the front of this extended service agreement and before the expiration of this extended service agreement, the Selling Dealer will arrange for payment or make necessary mechanical repairs to the components listed below in the specific plan of coverage Selected, without additional charge to You. Replacement of any part may be made with new parts, remanufactured parts, non-original manufacturer's parts, or with parts of like kind and quality at the time of breakdown. This Service Agreement covers failure to a covered component resulting from normal Wear and tear.We are not responsible for payment(s) to your lender or insurance provider while your vehicle is being repaired. Under the Agreement's section: "WHAT IS NOT COVERED" it states:...Incidental or consequential damages or loss caused by breakdown of Components (or otherwise) including property damage, personal injury, inconvenience, loss of Your Vehicle use, damage to a covered part by a noncovered part and damage to a non-covered part by a covered part.It is in our best interest to have your vehicle repaired as soon as possible. There were many contributing factors to the delays as stated in the previous letter. If you incurred rental expenses, we may be able to provide additional reimbursement beyond the allowance on your Agreement.Sincerely,[redacted]Portfolio

This is the worst customer service I have ever had buyer beware this is not worth the money I haven't used it since I purchased it almost two years ago. I had some issues with our truck so I took it to a shop of my choice after being told the original dealer was out of buisness so 5 days later truck is still in the shop waiting for approval not one part has been replaced because of the waiting for approval for the shop to take it to took 5hrs. Get it to the shop they called in with the diagnosis gonna take 24 hrs for approval and let the shop know they dont pay tax and bla bla bla so the next day they said they need to send out an inspector gonna take 24 hrs so inspector comes out and hasn't downloaded the pictures or sent his report in so waiting on that going into day 5 and hasn't begun to be fixed yet. So I called in and wanted a supervisor they don't have one so after questing eli h he cant answer my questions and just decides to hang up not once but twice. Go figure explains why they have a 1.5 star rating on consumer affairs. Would never purchase this garbage so called coverage again would of been better off Saving the 3 thousand I spent on it and use it for the repairs myself

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.
The warranty company is not taking responsibility for the car being at the shop for almost two months, It is 100% their fault not the service shop. If they would have agreed to pay for a new transmissions the vehicle would have been finished in less then two weeks. I have made payments and payed insurance for a car that I have not seen in almost two months. I want the warranty company to pay for two months of car payments and Insurance.
Regards,
[redacted]

See attachedWe received the complaint regarding Mr. [redacted]’s cancellation refund on hisExpress Carefree Maintenance Vehicle Value Care Plan.The customer purchased this plan from [redacted] on 9/24/15for $1495. The customer cancelled this plan on 3/15/16 which resulted in aprorated...

refund of $1370.42, less a $50 cancel fee which was waived byPortfolio. The portion of this refund that is Portfolio’s responsibility to pay is$684.75. The remaining $685.67 is due from the dealership. If the customerhas difficulty obtaining their refund from the dealership, they may contact us &we would be happy to assist them in contacting the dealership.Portfolio issued a check for $684.75 to the customer’s lender on 4/13/16 for ourportion of the refund. This check was cashed on 4/20/16.If there is any additional information we can provide or if you have any questionsplease don’t hesitate to contact me.Best Regards,[redacted]Director of OperationsPortfolio

Please see the attached response. Thank you,Dear Mr. [redacted]:This is letter in response to your complaint with the Revdex.com. Our records indicate you purchased the Agreement from [redacted] in [redacted] on May 3", 2014. At the time of sale, the 2012 [redacted]...

had 62,130 miles. The Hi-Tech coverage was selected for a term of 3 years or 36,000 miles.On 10/19/15, [redacted] from [redacted] called to report a problem with your vehicle. They reported the check engine light was on and a vacuum pump circuit code was stored. They recommended replacing the PCM (Powertrain Control Module) — which is not listed as a covered component on your Portfolio Agreement. In order to provide coverage for a needed repair, the replacement part must be specifically listed on your selected plan.Here is the verbiage from the Agreement:WHAT IS COVERED: Upon payment of the deductible amount per visit selected on the front of this extended service agreement and before the expiration of this extended service agreement, the Selling Dealer will arrange for payment or make necessary mechanical repairs to the components listed below in the specific plan of coverage selected, without additional charge to You. Replacement of any part may be made with new parts, remanufactured parts, non-original manufacturer's parts, or with parts of like kind and quality at the time of breakdown. This Service Agreement covers failure to a covered component resulting from normal wear and tear.W??? ?S ??? C?V?R?D:Any items not listed under the “What Is Covered” section of the specific plan You selected on the front of this Agreement.The Agreements lists general exclusions under WHAT IS NOT COVERED, but we do not attempt to list every item that is excluded. That is why we list each component in order to provide coverage.The brochure States: SEE YOUR EXTENDED SERVICE AGREEMENT FOR ALL DETAILS OF COVERAGE AND BENEFITS. It also lists the exact language as the Agreement under each of the coverage levels. The repair cost example you referred to is a Computer Module. The part needed for your vehicle was the Powertrain Control Module.Per your desired Settlement: We will consider changing the brochure repair examples listed to eliminate confusion in the future.You also asked for a 100% refund. If you choose to cancel the Agreement, you would receive a pro-rated refund as stated in the Agreement. [redacted] can help you start the process.If you choose to keep the Agreement, it is valid until 5/3/2017 or 98,130 miles — whichever occurs first.If you have any questions or need any additional information, please do not hesitate to contact me at our [redacted] office [redacted].Sincerely,[redacted] Portfolio

Unfortunately it seems you were unable to open the attachment we sent. Please see the below response that was copied and pasted from the response.
July 24, 2015
 
Revdex.com
Attn: [redacted]
4747 Viewridge Ave, #200
San Diego, CA  92123-1688
 
RE: Revdex.com
Complaint ID # [redacted]
[redacted], GAP Contract #[redacted]
 
Dear Ms. [redacted]:
 
This is a summary regarding the complaint
made against our company by customer [redacted]. She is unsatisfied
with the processing time of her GAP claim. Per the terms of the contract it
states:
 
“You must
provide the following to the Express
Systems, Inc Program Claims Administrator, 1. A copy of Your Primary Carrier’s settlement showing
all additions and deductions for the settlement amount and a copy of Your Primary Carrier’s check. If You do
not have Primary Carrier insurance,
a copy of the police theft or accident report that identifies Your Vehicle by
its vehicle identification number (VIN) must be submitted; 2. A copy of this GAP Addendum; 3. An entire copy, front and back, of the original Contract; 4. A copy of Your Primary Carrier’s Declaration Page, listing the coverage,
deductible and agent’s phone number; 5.
The name and address of the Lienholder and Your account number with the
Lienholder; 6. The pay-off
balance of Your Contract as calculated by the Lienholder at the Date
of Loss; 7. A history of Your
Contract showing all payments
made, late charges and fees; 8.
A copy of refund checks and/or authorized cancellation forms confirming the
refund amount for any credit insurance, mechanical repair coverage or other
similar products that were purchased and included in the financing or lease of
the Covered Vehicle. (Contact the Dealer that sold You the
coverage.); 9. For new Vehicles
only, if available, a copy of the window sticker or Vehicle invoice
showing the Manufacturer’s Suggested Retail Price. (Contact the Dealer that
sold or leased You the Vehicle.) Proof of loss must be submitted
within ninety (90) days of the date of settlement by your Primary Carrier
or Date of Loss, if you do not have Primary Carrier Insurance, but in no
event later than one year from the date proof was due as indicated above.
 
The claim was opened on 1/15/15; we started to receive some
of the required documents starting in April 2015 and the remaining documents in
July 2015. Please see the internally received dates on the attached document
checklist.  The last required document
was received on 7/23/15 and it was sent to Underwriting for review.
In an effort to satisfy this customer’s request, we
expedited the processing of this claim. A refund will be sent to the lender on
7/24/15.
We have requested that Ms. [redacted] contact you once her
lender receives the GAP payment to close out the complaint and confirm that she
is satisfied with the resolution. If you have questions or need any additional
information, please do not hesitate to contact me at [redacted].
 
Thank you,
 
 
 
[redacted]
[redacted]
[redacted]










25541 Commercentre Dr., #100
Lake Forest, CA 92630
Toll Free [redacted]
Fax (480) 897-7507

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.I had sent them the window sticker to my car, which states I had a moon roof. So just because it didn't show in the pictures, the window sticker says it does.
Regards,
[redacted]

Please update this complaint to be shown as resolved.
 
On 5/22 I was contacted by the company and arrangements were made for the amount owed to me to be released.  The payment was received on 6/2.
 
Thanks,
 
[redacted]

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.
[I'm not satisfied with this resolution, because the accident that result into a total loss didn't have from any of the EXCLUSION in section 10. The accident resulting a total loss of the vehicle happened from the frame being torque beyond reasonable repair from the frame dragging through the asphalt. This claim should be paid, immediately. ]
Not satisfied at all,
[redacted]

Thank you for your message.  Please see the attached response to the complaint.
 
Feel free to contact me with any further questions.
 
[redacted]
Dear Ms. [redacted],We are writing in response to the Revdex.com Complaint filed against...

our company by customer [redacted]. In her complaint she states that we denied her GAP claim for the expiration of her GAP contract. Ms. [redacted] GAP claim was not denied. Please see the details of her GAP claim.On 10/7/2015 [redacted] contacted Portfolio to open a GAP claim for an accident that took place in November of 2010. She was given a list of the documents required to process her GAP claim. She was told that her specific contract did not expire and that we would process her claim according to the contract terms. The documents required to process her claim, are the same documents required to process all similar GAP contracts for Portfolio. We explained to her several times throughout the claims process that we understood that it was difficult for her to collect the documents we needed due to it being so many years after the date of the loss, but that we still needed the documents in order to process the claim. It is the responsibility of the customer to collect the required documents and send them to us so that we may send the claim to the underwriting department for review to determine if the claim has an amount payable under the terms of the contract. We had correspondence with Ms. [redacted] on 10/7/15, 10/9/15, 10/12/15, 10/15/15, 10/16/15, 10/19/15, 10/23/15, 10/28/15, 11/10/15, 11/16/15, and 11/17/15 before the claim was sent to the underwriting department. In each of these correspondences she was advised of the documents missing to process her claim. Our claims administrator made several outbound attempts to call her lender and insurance company to help her obtain the necessary documentation.We received the final document on 11/18/15 and the claim was sent to the underwriting department for review. On 11/18/15 the underwriters reviewed the GAP claim and determined that the claim was a “No Deficiency". Per the terms of Ms. [redacted]'s GAP contract: In the event of a total loss to the covered vehicle, we agree to waive our rights against you for the amount waived under the Financial GAP Program which is equal to the difference between your outstanding balance and the greater of (1) the primary insurance settlement plus any amounts deducted from the settlement for pre-existing damage, or (2) the actual cash value for the a covered vehicle on the date of foss. Ms. [redacted]'s unpaid loan balance at the date of the loss, per her complaint, was $5774.23. Her insurance company issued a total payment of $18,860.24 for the value of her totaled vehicle. Her lender was sent a check in the amount of $5774.23 to pay off the balance of the loan, and Ms. [redacted] received a check in the amount of $13,086.01 from the insurance company. There was no “GAP" or deficiency in her loan for Portfolio to assist with. On 11/19/15 and again on 11/23/15 Ms. [redacted] spoke with members of management at Portfolio. They diligently tried to explain how GAP contracts work, that her claim was not being denied due to the age of the claim, and that we did not know throughout the process of collecting the documents that her claim would result in a "No Deficiency". She continued to state that GAP insurance is to pay her the loan balance at the date of the loss regardless of the insurance settlement amount paying off her balance.Despite the efforts of management, Ms. [redacted] would not accept our explanation of what GAP covers, nor was she willing to accept that we processed her claim based of the contract terms she agreed to. It was clear that she was confused about the purpose for GAP insurance and we were not able to Satisfy her request.At this time Portfolio has done its due diligence in processing and adjudicating Ms. [redacted]'s GAP claim. There is no new information that would change the outcome of the “No Deficiency" determination. We are sorry that Ms. [redacted] is not satisfied and hope that this clarifies the claim status.Please contact us if you have any additional questions.Sincerely,[redacted]

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]

Please see the attached.
Dear Ms. [redacted],
This letter is in response to your complaint with the Revdex.com. Our records indicate you purchased the Portfolio Extended Service Agreement from [redacted]t on September 13, 2014. At the time of sale, the 2012 [redacted]...

** had 14,719 miles. The Exclusionary coverage was selected for a term of 3 years or 75,000 miles.I reviewed the notes in our system that documented each of your calls. I apologize for the difficulty [redacted] encountered while trying to report your claim. We had a very heavy call volume before and after the Labor Day Holiday weekend, but that does not validate the lack of service you received when your car was in need of repairs. It is in our best interest to expedite all phone calls and repairs.
I will contact you by phone to request the receipts for your repairs and your rental car expenses. We will process all covered repairs and reimburse you as soon as possible.
All claims go to our Dallas office for processing.
Portfolio
1[redacted]
I can be reached at [redacted] if you have any questions.

Please see the attached.Dear Ms. [redacted],This letter is in response to your complaint with the Revdex.com. Our records indicate you purchased the Portfolio Extended Service Agreement from [redacted]t on September 13, 2014. At the time of sale, the 2012 [redacted] had 14,719 miles....

The Exclusionary coverage was selected for a term of 3 years or 75,000 miles.I reviewed the notes in our system that documented each of your calls. I apologize for the difficulty [redacted] encountered while trying to report your claim. We had a very heavy call volume before and after the Labor Day Holiday weekend, but that does not validate the lack of service you received when your car was in need of repairs. It is in our best interest to expedite all phone calls and repairs.I will contact you by phone to request the receipts for your repairs and your rental car expenses. We will process all covered repairs and reimburse you as soon as possible.All claims go to our Dallas office for processing.Portfolio1[redacted]I can be reached at [redacted] if you have any questions.

Unfortunately it seems you were unable to open the attachment we sent. Please see the below response that was copied and pasted from the response. July 24, 2015
 
Revdex.com
Attn: [redacted]
4747 Viewridge Ave, #200
San Diego, CA  92123-1688
 
RE: Revdex.com
Complaint ID # [redacted]
[redacted], GAP Contract #[redacted]
 
Dear Ms. [redacted]:
 
This is a summary regarding the complaint
made against our company by customer [redacted]. She is unsatisfied
with the processing time of her GAP claim. Per the terms of the contract it
states:
 
“You must
provide the following to the Express
Systems, Inc Program Claims Administrator, 1. A copy of Your Primary Carrier’s settlement showing
all additions and deductions for the settlement amount and a copy of Your Primary Carrier’s check. If You do
not have Primary Carrier insurance,
a copy of the police theft or accident report that identifies Your Vehicle by
its vehicle identification number (VIN) must be submitted; 2. A copy of this GAP Addendum; 3. An entire copy, front and back, of the original Contract; 4. A copy of Your Primary Carrier’s Declaration Page, listing the coverage,
deductible and agent’s phone number; 5.
The name and address of the Lienholder and Your account number with the
Lienholder; 6. The pay-off
balance of Your Contract as calculated by the Lienholder at the Date
of Loss; 7. A history of Your
Contract showing all payments
made, late charges and fees; 8.
A copy of refund checks and/or authorized cancellation forms confirming the
refund amount for any credit insurance, mechanical repair coverage or other
similar products that were purchased and included in the financing or lease of
the Covered Vehicle. (Contact the Dealer that sold You the
coverage.); 9. For new Vehicles
only, if available, a copy of the window sticker or Vehicle invoice
showing the Manufacturer’s Suggested Retail Price. (Contact the Dealer that
sold or leased You the Vehicle.) Proof of loss must be submitted
within ninety (90) days of the date of settlement by your Primary Carrier
or Date of Loss, if you do not have Primary Carrier Insurance, but in no
event later than one year from the date proof was due as indicated above.
 
The claim was opened on 1/15/15; we started to receive some
of the required documents starting in April 2015 and the remaining documents in
July 2015. Please see the internally received dates on the attached document
checklist.  The last required document
was received on 7/23/15 and it was sent to Underwriting for review.
In an effort to satisfy this customer’s request, we
expedited the processing of this claim. A refund will be sent to the lender on
7/24/15.
We have requested that Ms. [redacted] contact you once her
lender receives the GAP payment to close out the complaint and confirm that she
is satisfied with the resolution. If you have questions or need any additional
information, please do not hesitate to contact me at [redacted].
 
Thank you,
 
 
 
[redacted]
[redacted]
[redacted]










25541 Commercentre Dr., #100
Lake Forest, CA 92630
Toll Free [redacted]
Fax (480) 897-7507

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.
Regards,
[redacted]

See attached
Dear Mr. [redacted]:
This is letter in response to your complaint with the Revdex.com. Our records indicate you purchased the Portfolio Extended Service Agreement from Low Book Auto Sales of Las Vegas on February 19, 2015. At the time of sale, the...

[redacted] had 43,089 miles. The Comprehensive coverage was selected for a term of 2 years or 24,000 miles.On 1/05/16, Terry from [redacted] called to report a problem with your vehicle. They reported the transmission was "slipping" and recommended replacing the transmission and the torq converter. We referred an Independent Inspector to verify the failed components on 1/07/16. They reported they were unable to drive the vehicle to verify the diagnosis. They would either need further disassembly to verify the failed components or the oil pan would need to be re-installed so they could test drive the vehicle. No progress was made until 1/13/16. At that time, it was verified that the vehicle was ready for another inspection. On 1/18/16, the vehicle was inspected for a 2nd time and they were able to verify "slipping" and a "major shudder". The claims department requested a quote for a Used Transmission — which the Dealer was unwilling to do initially. This also caused a delay. The Agreement states the following:
WHAT IS COVERED: Upon payment of the deductible amount per visit selected on the front of this extended service agreement and before the expiration of this extended service agreement, the Selling Dealer will arrange for payment or make necessary mechanical repairs to the components listed below in the specific plan of coverage Selected, Without additional charge to You. Replacement of any part may be made with new parts, remanufactured parts, non-original manufacturer's parts, or with parts of like kind and quality at the time of breakdown. This Service Agreement covers failure to a covered component resulting from normal Wear and tear.
They later agreed to use a Used Transmission and the claim was approved on 1/21/16 for a total of $6,315.90
The Claims Department was notified of a problem with the Used Transmission on 1/25/16. The labor amount of $2,010.40 was approved and our Claims Department ordered a transmission to be shipped to the Dealer.
On 2/18/16, there are conversations documented about the exact timeline of events and the Rental Reimbursement guidelines listed in your Agreement. We do not rent cars directly to consumers — we reimburse you for qualified rental expenses per the terms of your Agreement. We may be able to provide some additional allowances, but we cannot be responsible for all of the delays associated with this repair.
We have issued an approval to the Dealership for payment of the labor charges. We will issue a creditcard payment to them when the repairs are completed and a finalized Invoice is submitted. We have already issued payment for the transmission to LKQ.We cannot reimburse you for car or insurance payments while your vehicle has been at [redacted]. The Portfolio Agreement excludes coverage for “loss of use".You also asked for a 100% refund. If you choose to cancel the Agreement, you would receive a pro-rated refund as stated in the Agreement. The Selling Dealer, Low Book Sales of Las Vegas, can help you start the process.
If you choose to keep the Agreement, it is valid until 2/19/2017 or 67,089 miles — whichever occurs first.
After you review the attachments, if you have any questions or need any additional information, please do not hesitate to contact me at our Dallas office [redacted].
Sincerely,
[redacted]
Portfolio

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.
[I'm not satisfied with whoever is the decision maker at Portfolio Co for continuing to not fulfill their obligation to me, their client. If Portfolio wasn't going to satisfy the claim, why allow almost 2 months to pass to arrive at as such conclusion. This is totally unacceptable from any company that wants longevity in business.]
Still not satisfied,
[redacted]

This is a summary regarding a complaint made against our company by customer [redacted] on 12/9/14 with theRevdex.com. She put forth a direct complaint to us via phone on 1/6/15 to express her dissatisfaction with thelength of processing her claim. She was provided an...

explanation that her claim was returned from the underwriter on 12/8/14due to a questionable missed option, for a moon room, by her insurance provider. Ms. [redacted] reiterated that there wasa moon roof on her vehicle. She appeared to be unhappy with the explanation as she was previously told by her administrator,upon receipt of the final document in early December 2014, that we received all the required documents and it was sent to ourunderwriter for processing. We explained that it is the role of the administrator to collect all the required documents and onceit is in processing, it is the role of the underwriter to verify if there are any inaccuracies before adjudication. She asked that wecontact a specific representative with her lienholder, [redacted], to help her to explain the delay on the processing ofher [redacted] claim to her lienholder. A phone call was made to her lienholder on 1/6/15 and 1/14/15 to provide them with thestatus. We explained that we will require a reevaluation from her insurance provider for the missed moon roof before we candetermine our settlement amount. We made additional attempts with the insurance provider on 1/7/15, 1/8/15, 1/9/15,1/12/ 15, 1/13/15, and 1/14/15. We were unable to receive a reeva luation from her insurance provider; however they didverbally tell us that they reviewed all the images of the vehicle, and forwarded them to us via email on 1/12/15, and theyconcluded that the moon roof option was not in fact not missed by them. We additionally contacted the body shop listed onthe images and asked for further verification on the missed option. They too reiterated that they also show no evidence inboth in their paperwork and their images that the vehicle did in fact have a moon roof. In an effort to reduce any further timein pursuing the missed option (moon roof) the claim was processed with the provided insurance evaluation and submitted tothe check-writing department as of 1/14/15. Please see the attached copy of the check.We have requested that Ms. [redacted] contact you once the [redacted] payment is reflected on her account to close thecomplaint and confirm that she is satisfied with the resolution. If you require any additional information, please do nothesitate to contact us.
Thank you,
[redacted]
Operations Manager

We posted a response on 1/20/17 with the explanation of the coverage. On 1/24/17 we received a notice that our response did not satisfy the complaint. We did not receive a specific reason why the explanation did not satisfy the complaint. Attached is our original response.  Please let us know specifically what we can do to help you understand your coverage.  Thank you.

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.
Dear [redacted]:
In response to Express Gap's reply received Dec.10th, had a claim been filed in 2010, according to their contract I would have received services then, as well as, qualifying now under the terms and conditions dated October 22, 2005. Again, I would like to remind you, "The [redacted] State Law" RECOMMENDS— (NOT REQUIRED):
"That you turn your claim into your purchased additional coverage company, which in my case is under the rules, laws and services backed by the State of [redacted] not having an expiration date at this time, exception: "if it bypasses the 72/84 months at time of LOSS or if it is already paid before a total loss, namely-EXPRESS GAP." Please read the contract I sent to you. This is "NOT TRADITIONAL GAP" by which it clears a deficiency in payoff if you owe more for the car than what it is has been determined through the PRIMARY CARRIERS EVALUATION VALUE.
When I signed for a reimbursement 12-2011 for additional warranty services, I asked the [redacted] Dealership rep., [redacted] about the Express Gap and she replied: "They didn't handled that," therefore, according to the paperwork I have provided you with shows that the additional warranties I purchased, which are the following: Express Gap, Extended (Mileage/84m) Warranty, and Express Care all are provided through Portfolio. Therefore, major contract violation as well as misleading information given by [redacted] at the time the paperwork was turned in for the Extended Warranty in relationship to provided the same for EXPRESS GAP. Through my research, I have found that EXPRESS GAP cannot deny my claim because it is not considered a deficiency. Ask them: " EXPRESS GAP CONTRACT 2005 vs. GAP 2015? RESEARCH.Regards,
[redacted]