Presto Auto Loans, Inc.

I have reviewed the response made by the business in reference to complaint
ID ***, and find that this resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

tthe post office never gave this company and forwarding address and I can provide documents to confirm this and the amount that was paid off by progressive did include the $for insurance that was added to my loan after I informed presto auto loans office that the truck was deemed a total loss in March at which point presto should have suspended all intrest and reached out to progressive insurance when I provided them the claim number and the adjusters phone numberI am also in process of suing presto for fdcpa violations committed by two seprate collectors representing presto

Mrand Mrs*** have asked for and received the payoff amount several times in the past few months. They received it in June with the answer from their complaint with the Arizona Attorney General’s Office. At that time the AG’s office found their complaint completely
unfounded. The amount quoted at that time was “Their current balance is $with a payoff (good for 6-23-15) of $6229.36” (taken directly from the response to the AG’s office). On 8-1-they again were mailed a written payoff in response to their request. As a direct result of their default of the contract we have hired a private investigator to affect or attempt to affect repossession of the pledged collateral. He has not chased the Hood’s nor has he done anything that could possibly be construed as reckless. He/us have not made any harassing phone calls to them. The only recent calls made to them on our behalf were made by the PI in an attempt to recover the pledged asset. I have spoken to Mrs*** and have found it better to memorialize our discussions in writing rather than having them misconstrued or misunderstood over the phone. We are not trying to add “crazy amounts” to their balance. Per the contract that was signed by MrHood, the debtor is required to provide us with proof of Comp and Collision insurance with lender listed as lien holder. If the debtor fails to do this we have the right to add the premium for insurance to protect our interest in the case of an accident. The hoods have not provided us with the contractually required insurance and we did add the cost of a VSI policy to their balance. Also, per the contract debtor is liable for collection charges and cost incurred by us Due to the debtors default, our rights under the contract and ARS 13-1813, the vehicle was reported as stolen to the Phoenix Police Department, DR# 2015-1442748. The Hoods’ have been informed of this and we have requested that they surrender the vehicle to the authorities. The Phoenix Police Department has contacted the Hoods and they have refused to surrender the vehicle to them as well. We have tried to be cooperative with the debtor but they have refused to pay and have employed every means of subterfuge to avoid paying. They are currently past due from 11-30-with a last payment received on 2-27-Their current payoff is $and is good until 10-30-15. We very much want to resolve this issue and have the debt satisfied. They have left us with no other alternative that to seek all legal remedies afforded by our contract and by law.

Ms.***, as much as we would like to approve everyone for a loan we are not always able to. No where in our advertising does it say that we have 100% approval. We do have lower rates, lower payments and shorter terms than the majority of the competition. You state in your response that you did come to us firstAs we both know, this is untrue since you already had a lien on the vehicle. The amount that you owed to the other company was greater than we were able to finance. We hope that you are able to find someone that can help you.

Mrand Mrs*** have asked for and received the payoff amount several times in the past few months. They received it in June with the answer from their complaint with the Arizona Attorney General’s Office. At that time the AG’s office found their complaint completely
unfounded. The amount quoted at that time was “Their current balance is $with a payoff (good for 6-23-15) of $6229.36” (taken directly from the response to the AG’s office). On 8-1-they again were mailed a written payoff in response to their request. As a direct result of their default of the contract we have hired a private investigator to affect or attempt to affect repossession of the pledged collateral. He has not chased the Hood’s nor has he done anything that could possibly be construed as reckless. He/us have not made any harassing phone calls to them. The only recent calls made to them on our behalf were made by the PI in an attempt to recover the pledged asset. I have spoken to Mrs*** and have found it better to memorialize our discussions in writing rather than having them misconstrued or misunderstood over the phone. We are not trying to add “crazy amounts” to their balance. Per the contract that was signed by MrHood, the debtor is required to provide us with proof of Comp and Collision insurance with lender listed as lien holder. If the debtor fails to do this we have the right to add the premium for insurance to protect our interest in the case of an accident. The hoods have not provided us with the contractually required insurance and we did add the cost of a VSI policy to their balance. Also, per the contract debtor is liable for collection charges and cost incurred by us Due to the debtors default, our rights under the contract and ARS 13-1813, the vehicle was reported as stolen to the Phoenix Police Department, DR# 2015-1442748. The Hoods’ have been informed of this and we have requested that they surrender the vehicle to the authorities. The Phoenix Police Department has contacted the Hoods and they have refused to surrender the vehicle to them as well. We have tried to be cooperative with the debtor but they have refused to pay and have employed every means of subterfuge to avoid paying. They are currently past due from 11-30-with a last payment received on 2-27-Their current payoff is $and is good until 10-30-15. We very much want to resolve this issue and have the debt satisfied. They have left us with no other alternative that to seek all legal remedies afforded by our contract and by law

First and foremost, thank you for applying with Presto Auto Loans, Incand I am sorry that we were unable to assist you. As you stated, the application was declined due to the amount you owed VS the collateral value. Your payoff to the competitor was $and the loan
value was approximately $2000.00. Our competitors are sometimes able to advance more on a vehicle than it’s’ value because they charge double or even triple our rates as is true with your current title loan Our advertising certainly does not state that everyone qualifiesIt is accurate that in almost every case when we do payoff a competitor that our rate is much, much less Many times half or even one third the competitor’s rate. I sincerely wish that you had come to us first. We might not have been able to advance as much as your current company but the loan would have been at a significantly lower rate, much more affordable payments and a shorter term as well. We wish you the very best.

I have spoken to *** *** on several occasions In reference to his address change We certainly have no control over the post office We sent mail and it was returned with a new forwarding address We changed it in our system, to what we believed was an accurate address
We have agree to refund 100% of the insurance that was added to the account In order to hopefully maintain good customer relations we will refund an additional $of interest This is the interest cost of the insurance during the time the policy was on the account Additionally, we will refund $in collection charges in an attempt to, again foster good relations The total amount *** *** will receive is $112.12. I hope that this resolves any an all issues that *** *** has with Presto and he would consider using Presto for his financial needs in the future SincerelyPresto Auto Loans, Inc. John G***President

First and foremost, thank you for bringing this to my attention. We at, Presto, not only strive to comply with all applicable state and federal regulations but to be far more deligent in our practices than all other similar businesses. Mr*** is correct that he was not a signer
on the contract. He was listed as a party to the contract as evidenced by that attached Promissory Note. Unfortunately this was overlooked in the collection process and it was incorrectly assumed that he was jointly responsible. He was not and I apologize for this error. We have corrected this oversight, have filed a motion to the court dismissing the case with Prejudice (see attached) and we will further investigate what happened and to make sure that this error does not occur again. I am sorry for any inconvenience that this may have caused and pledge that this type of error will not happen again. If Mr*** has any further questions or problems I welcome him to call me directly. My number is *** *** ext236. Sincerely,Presto Auto Loans, IncJohn G***Vice President

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

I am in receipt of the complaint and will gladly address it. The title is still in the name of and only in the name of Ruth Jane *** as evidenced by the attached MVR. I believe that Ms*** is confused by the mailing name and address on the title. Since the loan
contract was in both their names the released title was mailed to them. The mailing name and address does not indicate ownership nor change ownership but just the name it is being mailed to. I hope that this information and the attached MVR and VINTEK Report clears up any misunderstanding that may exist

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

First and foremost, thank you for bringing this to my attention. We at, Presto, not only strive to comply with all applicable state and federal regulations but to be far more deligent in our practices than all other similar businesses. Mr*** is correct that he was not a signer
on the contract. He was listed as a party to the contract as evidenced by that attached Promissory Note. Unfortunately this was overlooked in the collection process and it was incorrectly assumed that he was jointly responsible. He was not and I apologize for this error. We have corrected this oversight, have filed a motion to the court dismissing the case with Prejudice (see attached) and we will further investigate what happened and to make sure that this error does not occur again. I am sorry for any inconvenience that this may have caused and pledge that this type of error will not happen again. If Mr*** has any further questions or problems I welcome him to call me directly. My number is *** *** ext236. Sincerely,Presto Auto Loans, IncJohn G***Vice President

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint resolved with the Revdex.com
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.On December 31st at approximately 12:am, Presto Title Loan impounded my van I called the police not knowing who took it and the police informed me that Presto Title Loans had it I waited until they opened their offices and I called to start the process so I could retrieve it I was told I needed to do a phone interview with a woman Jodi so she could tell me how much money I needed to come up with to retrieve my van I informed Jodi that I was about to make a payment that day and if she could work something out with me being that I am a single mother and have fallen on hard times She said that she would and that ***, the man in charge of repossessions, would call me. I waited for hours and John never called me I called John at approximately 1:00pm and I asked him to work something out with me but he refused He told me I needed to come up with $1,(I owed them 1,and the rest were fees that could have been waived) I immediately called the man who had my vehicle in the impound and told him to have my van ready because I was coming to retrieve it He promised me he would have it ready before 5:pm. I proceeded to pawn anything I had of value to come up with the money At approximately, 3:pm I told ***, the impound guy, that I was coming to retrieve my van It took me a while to get a ride and I arrived at the Presto Title loan office/impound at 4: *** was gone and my van was not ready for me to retrieve itI was told I still had to pay the $1,or else I would be assessed $a day in fees plus any other fees such as interest, etc I paid the $1,and pleaded with the employees to let me retrieve my van because my sons had doctor's appointments They refused and they also refused to let me retrieve my sons' car seats. I was not able to get a hold of *** until January 2nd He finally agreed to let me retrieve my van that day at approximately 2:pm Immediately upon driving my van, I noticed that my emergency brake was not working properly I called John, the general manager, and informed him of the damage but he refused to take responsibility I have proof that my van did not have previous damage to the emergency brake because I had just had the oil changed, bought a new tire and had an alignment done the previous day and the shop informed me that my van was in good working condition There was no damage to my emergency brake the day before it was taken. In addition, Presto Title loan has not returned the title to my van and they reported the impounding of my van as a repossession to all three credit bureaus This is affecting my credit I am demanding $to repair my van as it is unsafe to drive, the title to my van and for Presto Title Loan to remove the "repossession" reported to all three credit bureaus. Respectfully, *** ***

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

I have spoken to *** *** on several occasions In reference to his address change We certainly have no control over the post office We sent mail and it was returned with a new forwarding address We changed it in our system, to what we believed was an accurate address
We have agree to refund 100% of the insurance that was added to the account In order to hopefully maintain good customer relations we will refund an additional $of interest This is the interest cost of the insurance during the time the policy was on the account Additionally, we will refund $in collection charges in an attempt to, again foster good relations The total amount *** *** will receive is $112.12. I hope that this resolves any an all issues that *** *** has with Presto and he would consider using Presto for his financial needs in the future SincerelyPresto Auto Loans, Inc. John G***President

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint resolved with the Revdex.com
Regards,
*** ***

Since *** *** has retained legal counsel I have asked him to have his attorney contact our attorney We look forward to having this addressed in the courts and being exonerated of any and all claims

I will gladly respond to Ms***'s complaint Ms*** received a loan using her Chrysler as collateral She was to make payments of $on or before the 26th of the month, starting 10-26-(see the attached Promissory Note and Disclosure statement) Per the
attached ledger card she has paid payment near the due date She has been past due and delinquent since 11-27-and is currently past due for April 26th At presto we do not charge late charges We do charge for collection work, all of which can be avoided by contact initiated by the debtor on or before the due date We never charge more than $per day for all collection activityMs***'s accoutn has required extensive collection work We have sent ledger cards to the customer multiple times but I have attached another one with this response as well as a payoff screen for her convenience This attached payoff is good until 7-10- If this customer pays before this there will be a refund of the unearned finance charge If the customer pays after this date there will be a remaining balance still owed I hope that this information has addressed all of Ms***'s concerns She is more than welcome to contact me directly at (602) 864-ext Sincerely,Presto Auto Loans, Inc. John GoodmanVice President

My car is worth way more than what the loan is for, there are added extras such as inch wheels, the tires are worth more than the loan. Yet that has nothing to do with anything? No one even asked me was there any ups or extras. And I DID come to you first! You turned me away! Your Add doesn't say you turn people away either. you refinance loans That's what I need you for. I don't care about the length of time I have to pay, what I'm wanting to do is just lower my payment... I'm on a fixed income and it has been reduced drastically. I need my car yet I don't want to give up my entire disability check either how would I survive? but that's what I will have to do thanks its not your problem!