Security National Finance Corporation

On or about September 5, 2013, the Customers entered into a residential lease agreement with Red Wagon Realty for use of residential property located at [redacted] *** As part of the lease agreement, the Customers were required to complete and deliver to the Landlord an Inventory and Condition Form, that would note any damages to the property The lease further provided that if Customers failed to return the form to the Landlord within days of the lease execution, “the Property will be deemed to be free of damages.” Customers never returned the Inventory and Condition Form to the Landlord In addition, pursuant to the terms of the lease, the Customers provided the landlord a $1,rental deposit The lease agreement allowed the landlord to deduct reasonable charges from the security deposit for any number of items, including repairing damage to the property It also provided that if allowable deductions exceeded the amount of the security deposit, the tenant must pay the landlord the excess within days of a written demand The lease also provided that the Customers must reimburse the Landlord for all expenses incurred in disposing of personal property the Customers may leave behind after surrendering or abandoning the property In 2014, Respondent Security National acquired the rental property through a foreclosure sale As part of the acquisition, the prior Landlord assigned the lease to Security National The Customers were given written notice in the change of property management on or about December 3, 2014, and signed a lease addendum on January 22, acknowledging that Security National as the new owner would be taking over the lease At that time, Security National provided the Customers with another Inventory and Condition Form to fill out and return, and also requested access to the property to allow a property inspection Despite multiple requests and communications with the Customers for an approximately six-week period, the Customers again failed or refused to return a completed Inventory and Condition Form or to allow an inspection of the property On November 1, 2015, the Customers extended the lease with Security National for an additional year until October 31, After that time, the Customers continued to occupy the property on a month-to-month basis, until they terminated the lease after notice and vacated the property in February After accessing the property, Security National noted and itemized the items of damage and repair on an “Itemization of Security Deposit” form, which was timely delivered to the Customers The amount needed to repair items of damage, clean the premises or dispose of items left behind was in a total amount of $1,900, or $more than the security deposit Pursuant to the terms of the parties’ lease, the Customers are liable to Security National for this amount Furthermore, the Customers have waived any argument that any of the items of repair, cleaning or disposal were preexisting conditions when they failed or refused on two separate occasions to provide an inventory form or to allow a property inspection despite multiple requests, and it is implausible that they never brought such preexisting conditions to either landlord’s attention in the three and a half years they occupied the propertyTell us why here

We do have a letter on file signed by the policy owner asking that we cancel her policyWe have not received the original policy or the signed lost policy affidavit, however, we will consider this correspondence and the signed letter as proof that the policy will no longer be in effect once the policy is cancelled and premiums refundedWe will issue a refund of premium check to Ms*** ASAP.

Complaint: ***
I am rejecting this response because: This is another claim from this businessI had already called Red Wagon to get the original documents and pictures from them, however, the office secretary told me they just installed new software programs for their company months agoTherefore they would NOT have any records of such an old property, much less one that they have not managed for years nowHow could someone tell SNL there was never anything turned in, when no one working there now even Knows of this property??This is just getting ridiculous how SNL CONTINUES to blatantly LIE about more and more thingsJust because they are not organized in their company, and have is working there, is NOT our fault they lost documents.SNL started to make this Very personal once we let them know we were uninterested in purchasing their propertyThat's when they started claiming we never turned in documents, and started falsifying information and emails as well just to keep as much money from us as possible and try for more.If this were proven to be TRUE about us never turning in needed documents, how come rental history went well for another two years with SNL, and we were never evicted as they threatened in an alleged email.
Sincerely,
*** ***
*** ***

Complaint: ***
I am rejecting this response because: This is another claim from this businessI had already called Red Wagon to get the original documents and pictures from them, however, the office secretary told me they just installed new software programs for their company months agoTherefore they would NOT have any records of such an old property, much less one that they have not managed for years nowHow could someone tell SNL there was never anything turned in, when no one working there now even Knows of this property??This is just getting ridiculous how SNL CONTINUES to blatantly LIE about more and more thingsJust because they are not organized in their company, and have is working there, is NOT our fault they lost documents.SNL started to make this Very personal once we let them know we were uninterested in purchasing their propertyThat's when they started claiming we never turned in documents, and started falsifying information and emails as well just to keep as much money from us as possible and try for more.If this were proven to be TRUE about us never turning in needed documents, how come rental history went well for another two years with SNL, and we were never evicted as they threatened in an alleged email.
Sincerely,
*** ***
*** ***

On or about September 5, 2013, the Customers entered into a residential lease agreement with Red Wagon Realty for use of residential property located at *** *** *** *** ***. As part of the lease agreement, the Customers were required to complete and deliver to the Landlord an
Inventory and Condition Form, that would note any damages to the property. The lease further provided that if Customers failed to return the form to the Landlord within days of the lease execution, “the Property will be deemed to be free of damages.” Customers never returned the Inventory and Condition Form to the Landlord In addition, pursuant to the terms of the lease, the Customers provided the landlord a $1,rental deposit. The lease agreement allowed the landlord to deduct reasonable charges from the security deposit for any number of items, including repairing damage to the property. It also provided that if allowable deductions exceeded the amount of the security deposit, the tenant must pay the landlord the excess within days of a written demand. The lease also provided that the Customers must reimburse the Landlord for all expenses incurred in disposing of personal property the Customers may leave behind after surrendering or abandoning the property. In 2014, Respondent Security National acquired the rental property through a foreclosure sale. As part of the acquisition, the prior Landlord assigned the lease to Security National. The Customers were given written notice in the change of property management on or about December 3, 2014, and signed a lease addendum on January 22, acknowledging that Security National as the new owner would be taking over the lease. At that time, Security National provided the Customers with another Inventory and Condition Form to fill out and return, and also requested access to the property to allow a property inspection. Despite multiple requests and communications with the Customers for an approximately six-week period, the Customers again failed or refused to return a completed Inventory and Condition Form or to allow an inspection of the property. On November 1, 2015, the Customers extended the lease with Security National for an additional year until October 31, After that time, the Customers continued to occupy the property on a month-to-month basis, until they terminated the lease after notice and vacated the property in February After accessing the property, Security National noted and itemized the items of damage and repair on an “Itemization of Security Deposit” form, which was timely delivered to the Customers. The amount needed to repair items of damage, clean the premises or dispose of items left behind was in a total amount of $1,900, or $more than the security deposit. Pursuant to the terms of the parties’ lease, the Customers are liable to Security National for this amount. Furthermore, the Customers have waived any argument that any of the items of repair, cleaning or disposal were preexisting conditions when they failed or refused on two separate occasions to provide an inventory form or to allow a property inspection despite multiple requests, and it is implausible that they never brought such preexisting conditions to either landlord’s attention in the three and a half years they occupied the property. Tell us why here

We have mailed the day free look forms to the customer twice now, but they won’t send them back to usOnce we receive the forms back, signed by the policy owner, we are more than happy to refund all premiums paid

SNL has communicated with Red Wagon Realty, which has confirmed that Red Wagon never received the property inventory form from the Claimants that they were required to provide under the lease, consistent with the representations in SNL’s initial response.? It follows that SNL could not receive a property inventory from Red Wagon that was never provided to Red Wagon in the first place, and therefore Claimants’ assertion the contrary is in error and without any basis.? Furthermore, the Claimants never provided SNL a new property inventory form or allowed a property inspection as requested at the time SNLIC took over management of the property, and they have never denied this point ? Likewise, Red Wagon Realty confirmed to SNLIC that Red Wagon has or had no pictures of property conditions purportedly taken and provided by the Claimants? Furthermore, a review of the periodic property reports conducted by Red Wagon during the time it managed the property (which Red Wagon has provided to SNL) indicates that, with the exception of stained carpet, none of the property conditions noted on SNL’s post-lease Itemization of Security Deposit Form are noted at the time of any of the Red Wagon property reports.? In other words, the conditions noted by SNL after entering the property post-lease and charged against the security deposit were not the pre-existing conditions claimed by the Claimants, but had to have occurred during the time the Claimants were occupying the property.? Also, given the fact that the Claimants never provided either landlord a property inventory either as requested or required by the lease, then the legal and factual presumption is that all itemized property conditions charged against the security deposit occurred during their tenancy, and are legitimately chargeable to them

?
Complaint: ***
I am rejecting this response because:I believe
their answer is a trick, I do not trust them..They did mail a statement saying a day free look? and also wanted me to sign a loss of policy statementThe agent said it? had a day look periodthe policy also states in writting it came with a day look period( I have a photo copy of the policy which I returned the origianal? policy within the day period by certified? u.spostal service I received a signed copy of receipt ).my next step is to seek legal action with in the next days if? my? months premiums? are not refunded
Sincerely,
*** ***

On or about September 5, 2013, the Customers entered into a residential lease agreement with Red Wagon Realty for use of residential property located at [redacted].  As part of the lease agreement, the Customers were required to complete and deliver to the Landlord an...

Inventory and Condition Form, that would note any damages to the property.  The lease further provided that if Customers failed to return the form to the Landlord within 10 days of the lease execution, “the Property will be deemed to be free of damages.”  Customers never returned the Inventory and Condition Form to the Landlord.     In addition, pursuant to the terms of the lease, the Customers provided the landlord a $1,350.00 rental deposit.  The lease agreement allowed the landlord to deduct reasonable charges from the security deposit for any number of items, including repairing damage to the property.  It also provided that if allowable deductions exceeded the amount of the security deposit, the tenant must pay the landlord the excess within 10 days of a  written demand.  The lease also provided that the Customers must reimburse the Landlord for all expenses incurred in disposing of personal property the Customers may leave behind after surrendering or abandoning the property.    In 2014, Respondent Security National acquired the rental property through a foreclosure sale.  As part of the acquisition, the prior Landlord assigned the lease to Security National.  The Customers were given written notice in the change of property management on or about December 3, 2014, and signed a lease addendum on January 22, 2015 acknowledging that Security National as the new owner would be taking over the lease.  At that time, Security National provided the Customers with another Inventory and Condition Form to fill out and return, and also requested access to the property to allow a property inspection.  Despite multiple requests and communications with the Customers for an approximately six-week period, the Customers again failed or refused to return a completed Inventory and Condition Form or to allow an inspection of the property.  On November 1, 2015, the Customers extended the lease with Security National for an additional year until October 31, 2016.   After that time, the Customers continued to occupy the property on a month-to-month basis, until they terminated the lease after notice and vacated the property in February 2017.   After accessing the property, Security National noted and itemized the items of damage and repair on an “Itemization of Security Deposit” form, which was timely delivered to the Customers.  The amount needed to repair items of damage, clean the premises or dispose of items left behind was in a total amount of $1,900, or $550 more than the security deposit.  Pursuant to the terms of the parties’ lease, the Customers are liable to Security National for this amount.  Furthermore, the Customers have waived any argument that any of the items of repair, cleaning or disposal were preexisting conditions when they failed or refused on two separate occasions to provide an inventory form or to allow a property inspection despite multiple requests, and it is implausible that they never brought such preexisting conditions to either landlord’s attention in the three and a half years they occupied the property. Tell us why here...

SNL has communicated with Red Wagon Realty, which has confirmed that Red Wagon never received the property inventory form from the Claimants that they were required to provide under the lease, consistent with the representations in SNL’s initial response.  It follows that SNL could not receive a property inventory from Red Wagon that was never provided to Red Wagon in the first place, and therefore Claimants’ assertion the contrary is in error and without any basis.  Furthermore, the Claimants never provided SNL a new property inventory form or allowed a property inspection as requested at the time SNLIC took over management of the property, and they have never denied this point   Likewise, Red Wagon Realty confirmed to SNLIC that Red Wagon has or had no pictures of property conditions purportedly taken and provided by the Claimants.   Furthermore, a review of the periodic property reports conducted by Red Wagon during the time it managed the property (which Red Wagon has provided to SNL) indicates that, with the exception of stained carpet, none of the property conditions noted on SNL’s post-lease Itemization of Security Deposit Form are noted at the time of any of the Red Wagon property reports.  In other words, the conditions noted by SNL after entering the property post-lease and charged against the security deposit were not the pre-existing conditions claimed by the Claimants, but had to have occurred during the time the Claimants were occupying the property.  Also, given the fact that the Claimants never provided either landlord a property inventory either as requested or required by the lease, then the legal and factual presumption is that all itemized property conditions charged against the security deposit occurred during their tenancy, and are legitimately chargeable to them.