Spruce Lending

Customer has a loan with us for a home improvement that was performed in His payment amount and due date are fixed and have not changed since the start of his loan In 2014, the customer moved and had the post office forward all incoming mail to his new address However, the customer did not notify us that he had a new address Therefore, his billing statements were being forwarded by the post office After a year of forwarding his mail, the post office stops such action and Viewtech continues to send his mail to the previously listed address Again, the customer did not notify Viewtech of his change in address As stated in his loan agreement, the customer must notify us anytime there is a change in address to ensure he is in receipt of his monthly billing statements As we do with all customer’s we are willing to work with the customer to resolve this situation but the customer must also understand that per our agreement he was to notify us of a change in address We are willing to waive the late fees but he must immediately call us to make payment arrangements and cure his account

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]

Customer negotiated home improvements with Columbia Exteriors Customer elected to use financing to pay for the work through Viewtech Financial As part of our financing process, the contractor presented a set of financing paperwork which included the interest rate (APR), terms and conditions Along with the financing paperwork, there is a day right of rescission The customer did not elect to cancel the transaction Further, prior to funding of the account, the customer signed a completion certificate The completion certificate clearly states to not sign prior to all work being completed and complete customer satisfaction Based on the credit worthiness of the customer, the customer did obtain a very favorable rate for unsecured financing If the rate was an issue at time of approval, there was an opportunity for the customer to cancel the financing There have been several attempts to reach the customer to help resolve the situation that she is claiming Without her calling us back, we are unable to assist We are more than willing and able to help her with the contractor and resolve any remaining items that need to be completed We can facilitate a three way call with the customer and the contractor to determine if there is any service related work to be completed

Dear Mr [redacted] , As you are aware, the signed agreement that we have on file for your account shows your rate at $ While you have communicated that you signed a change order with the installer to drop the rate $0.01/kWh to $0.109, we never received a copy of such change order However, after reviewing this with management, we are in agreement to change your rate to $and accommodate your requestWe will be contacting you via email shortly with the amendmentThank you

As stated in the initial response, we are willing to waive late fees but the customer must cure his delinquent status

We will have a response out later today I received this on 6/and given the week window, have a few more days Thank you