On 1-6-M/V Acceptance Ltd agreed to settle the account of Mrs [redacted] ( [redacted] ) for $ On 1-28-We received the check and applied it to the debtors account This left a remaining balance of $that we cleared as per our settlement agreement Our operating procedures, when receiving a payoff other than cash is to wait business days before the lien is released The title should have been released on 2-27- Unfortunately due to an error on our part it was not Basically, people thought that the other had done it and neither had Ms [redacted] brought this error to our attention and the title has been released to the customer at the given address Per Ms [redacted] ’s allegation of elderly abuse, I can find no evidence whatsoever to validate her claimIn fact, just the opposite since we voluntarily accepted a payoff of almost $less than what was contractually owed We are sorry that there was a delay in the releasing of the lien, we have identified the problem with our procedures and have subsequently changed them to help avoid this in the future I hope that this resolves the issue Sincerely, [redacted] Vice PresidentM/V Acceptance Ltd
On 7-14- [redacted] applied for and received a $loan using her [redacted] as collateral She was to make payments of $per month, starting on 8-28-and on the 28th thereafter On 8-29-she made her 8-28-payment This payment was returned NSF on 9-9- On 10-20-the customer made a $cash payment She was past due for August, September and October The $was only sufficient to cover the payments On 12-31- [redacted] ’s vehicle was repossessed She was in default of her contract and past due from 9-28-(payments past due) On 12-31-the customer paid the account off The payoff of $included $in accrued collection charges, $repo fee paid to a non-affiliated repossession company, a $redemption fee and $in accrued interest All of the fees except interest could have been avoided by the customer if she had made her payments on time At the time [redacted] paid the account off, she was given the address to the storage facility as well as the number to the individual that is its sole employee She was instructed to call and make an appointment to retrieve her vehicle She elected to not make an appointment and instead, drive to the facility Since her arrival was after the time the facility closed, she was unable to recover her vehicle on this day The vehicle was returned to the customer on 1-2-as the prior day was a holiday and the facility was closed [redacted] was not charged any additional fees for the extra days the vehicle was stored [redacted] claims the vehicle was damaged while in our possession While investigating the damage claim, I talked to both the repossession company and the storage companyBoth stated that they did nothing to the vehicle that could possible damage the parking brake The vehicle was towed from the debtor’s location to the storage facility [redacted] has not provided us with any sort of repair bill or inspection that would indicate that the problem was anything other than a preexisting issue If the customer were able to provide us evidence that substantiated her claim we would certainly revisit the issue I hope that this resolves the issue [redacted] General ManagerPresto Auto Loans, Inc
This is exactly the same complaint by the same customer that was submitted on 1-6- I will respond as I did thenOn 7-14- [redacted] applied for and received a $loan using her [redacted] as collateral She was to make payments of $per month, starting on 8-28-and on the 28th thereafter On 8-29-she made her 8-28-payment This payment was returned NSF on 9-9- On 10-20-the customer made a $cash payment She was past due for August, September and October The $was only sufficient to cover the payments On 12-31- [redacted] ’s vehicle was repossessed She was in default of her contract and past due from 9-28-(payments past due) On 12-31-the customer paid the account off The payoff of $included $in accrued collection charges, $repo fee paid to a non-affiliated repossession company, a $redemption fee and $in accrued interest All of the fees except interest could have been avoided by the customer if she had made her payments on time At the time [redacted] paid the account off, she was given the address to the storage facility as well as the number to the individual that is its sole employee She was instructed to call and make an appointment to retrieve her vehicle She elected to not make an appointment and instead, drive to the facility Since her arrival was after the time the facility closed, she was unable to recover her vehicle on this day The vehicle was returned to the customer on 1-2-as the prior day was a holiday and the facility was closed [redacted] was not charged any additional fees for the extra days the vehicle was stored [redacted] claims the vehicle was damaged while in our possession While investigating the damage claim, I talked to both the repossession company and the storage companyBoth stated that they did nothing to the vehicle that could possible damage the parking brake The vehicle was towed from the debtor’s location to the storage facility [redacted] has not provided us with any sort of repair bill or inspection that would indicate that the problem was anything other than a preexisting issue If the customer were able to provide us evidence that substantiated her claim we would certainly revisit the issue I hope that this resolves the issue [redacted] General ManagerPresto Auto Loans, Inc
I will gladly respond to Ms***'s complaint Ms [redacted] 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, IncJohn GoodmanVice President
Since [redacted] 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 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 until for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted] ?
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!
Since the customer is either unable or unwilling to provide us with any proof that her vehicle was damaged while in our possession there is very little we can do to resolve the dispute
I believe the issue has been resolved by discounting the payoff to the principal balance I hope that the customer was satisfied with the resolution and that we would be able to help him again in the future
On 1-6-M/V Acceptance Ltd agreed to settle the account of Mrs [redacted] ( [redacted] ) for $ On 1-28-We received the check and applied it to the debtors account This left a remaining balance of $that we cleared as per our settlement agreement Our operating procedures, when receiving a payoff other than cash is to wait business days before the lien is released The title should have been released on 2-27- Unfortunately due to an error on our part it was not Basically, people thought that the other had done it and neither had Ms [redacted] brought this error to our attention and the title has been released to the customer at the given address Per Ms [redacted] ’s allegation of elderly abuse, I can find no evidence whatsoever to validate her claimIn fact, just the opposite since we voluntarily accepted a payoff of almost $less than what was contractually owed We are sorry that there was a delay in the releasing of the lien, we have identified the problem with our procedures and have subsequently changed them to help avoid this in the future I hope that this resolves the issue Sincerely, [redacted] Vice PresidentM/V Acceptance Ltd
On 7-14- [redacted] applied for and received a $loan using her [redacted] as collateral She was to make payments of $per month, starting on 8-28-and on the 28th thereafter On 8-29-she made her 8-28-payment This payment was returned NSF on 9-9- On 10-20-the customer made a $cash payment She was past due for August, September and October The $was only sufficient to cover the payments On 12-31- [redacted] ’s vehicle was repossessed She was in default of her contract and past due from 9-28-(payments past due) On 12-31-the customer paid the account off The payoff of $included $in accrued collection charges, $repo fee paid to a non-affiliated repossession company, a $redemption fee and $in accrued interest All of the fees except interest could have been avoided by the customer if she had made her payments on time At the time [redacted] paid the account off, she was given the address to the storage facility as well as the number to the individual that is its sole employee She was instructed to call and make an appointment to retrieve her vehicle She elected to not make an appointment and instead, drive to the facility Since her arrival was after the time the facility closed, she was unable to recover her vehicle on this day The vehicle was returned to the customer on 1-2-as the prior day was a holiday and the facility was closed [redacted] was not charged any additional fees for the extra days the vehicle was stored [redacted] claims the vehicle was damaged while in our possession While investigating the damage claim, I talked to both the repossession company and the storage companyBoth stated that they did nothing to the vehicle that could possible damage the parking brake The vehicle was towed from the debtor’s location to the storage facility [redacted] has not provided us with any sort of repair bill or inspection that would indicate that the problem was anything other than a preexisting issue If the customer were able to provide us evidence that substantiated her claim we would certainly revisit the issue I hope that this resolves the issue [redacted] General ManagerPresto Auto Loans, Inc
This is exactly the same complaint by the same customer that was submitted on 1-6- I will respond as I did thenOn 7-14- [redacted] applied for and received a $loan using her [redacted] as collateral She was to make payments of $per month, starting on 8-28-and on the 28th thereafter On 8-29-she made her 8-28-payment This payment was returned NSF on 9-9- On 10-20-the customer made a $cash payment She was past due for August, September and October The $was only sufficient to cover the payments On 12-31- [redacted] ’s vehicle was repossessed She was in default of her contract and past due from 9-28-(payments past due) On 12-31-the customer paid the account off The payoff of $included $in accrued collection charges, $repo fee paid to a non-affiliated repossession company, a $redemption fee and $in accrued interest All of the fees except interest could have been avoided by the customer if she had made her payments on time At the time [redacted] paid the account off, she was given the address to the storage facility as well as the number to the individual that is its sole employee She was instructed to call and make an appointment to retrieve her vehicle She elected to not make an appointment and instead, drive to the facility Since her arrival was after the time the facility closed, she was unable to recover her vehicle on this day The vehicle was returned to the customer on 1-2-as the prior day was a holiday and the facility was closed [redacted] was not charged any additional fees for the extra days the vehicle was stored [redacted] claims the vehicle was damaged while in our possession While investigating the damage claim, I talked to both the repossession company and the storage companyBoth stated that they did nothing to the vehicle that could possible damage the parking brake The vehicle was towed from the debtor’s location to the storage facility [redacted] has not provided us with any sort of repair bill or inspection that would indicate that the problem was anything other than a preexisting issue If the customer were able to provide us evidence that substantiated her claim we would certainly revisit the issue I hope that this resolves the issue [redacted] General ManagerPresto Auto Loans, Inc
I will gladly respond to Ms***'s complaint Ms [redacted] 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, IncJohn GoodmanVice President
Since [redacted] 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 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 until for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted] ?
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!
Since the customer is either unable or unwilling to provide us with any proof that her vehicle was damaged while in our possession there is very little we can do to resolve the dispute
I believe the issue has been resolved by discounting the payoff to the principal balance I hope that the customer was satisfied with the resolution and that we would be able to help him again in the future