TimeBuyer, Inc.

In response to the complaint from [redacted] let me first address the remark about a 10 day graceperiod. That is only referring to when a late charge is applied. It has nothing to do with beingobligated to make your payments on the day that they are due. Let me point out the section of thecontract that is...

titled Default. “Time is of the essence in this contract. I will be in default of thiscontract if I fail to make any payment when it is due, or if I fail to comply with any other terms ofthis contract. If I fail to cure a default in the manner prescribed by applicable law, you mayrequire me to pay all remaining payments, unless my default is based solely on my failure tomake a payment when due, in which event you may require me to pay all remaining paymentsonly if my failure has continued for at least thirty days.”We understand that [redacted] has traded in her vehicle and the dealer is supposed to pay off her loanbalance with Timebuyer. Unfortunately the dealer has not done so. [redacted] must understand thatlegally, she is responsible for this loan and is obligated to continue to make her monthlypayments or pay the balance off. If the dealer has not fulfilled its contractual obligation with herthat, unfortunately, is between [redacted] and the dealer.To resolve this complaint Timebuyer, in good faith, will not call or text [redacted]. If the monthly loanpayment is not paid by September 26, 2017 that will cause the loan to be over 30 days late.Please be advised that Timebuyer may choose to pursue all legal rights and remedies it has underthe financing contract which include commencement of a lawsuit for the collection of theoutstanding monies owed Timebuyer and such amounts include but are not limited to the unpaidprincipal balance of the loan, accumulated interest, court costs, and collection and other fees,including attorneys’ fees.We regret that [redacted] is in this unfortunate position. We do appreciate [redacted] as a customer andbelieve that we can have a good working relationship moving forward!Sincerely,Anthony [redacted]VPO