Toy Auto Man, LLC

This responds to your correspondence of March 23, addressed to Protective Asset ProtectionIt has been forwarded to me for review and replyWe apologize for not responding sooner, but we have no record of having received the first request At this time we are unable to locate a current active Service Contract with the information that has been providedIf Ms [redacted] could provide us with a copy of the signed Deceleration Page of the Service Contract or the VIN number for the vehicle, we would be able to perform a more thorough search Ms [redacted] may fax the information to ###-###-#### or she may e-mail the information to [email protected] this information is received, we will be able to respond further

Western Diversified Services, Inc. (“WDS”) is in receipt of your letter dated February 20, 2018 and, it has been forwarded to me for review and reply. WDS is the administrator of the Vehicle Service Contract (“Service Contract”) and we respectfully request that you change your records to...

reflect the correct company name. We appreciate the opportunity to review this matter and hope you find the following information helpful.     Coverage is not automatic just because a claim has been filed. There are certain conditions that must be met for a claim to be covered and there are also coverage exclusions. For example, the Service Contract does not cover Breakdowns caused by the failure of non-covered parts or non-manufacturer recommended alterations to the vehicle. Therefore, determining the cause of the Breakdown is required.    Prior to Mr. [redacted] filing his complaint, the repair facility was unable to determine the cause of failure. After Mr. [redacted] filed his complaint, we received further information from the repair facility stating that they may have found the cause of failure. We will perform an inspection on the vehicle to see if the failure is covered under the terms and conditions of the Service Contract.     By pointing out the foregoing, WDS does not waive, but specifically reserves, any and all rights and defenses it may have under the Vehicle Service Contract and the applicable law.    Sincerely,                                   ...⇄                                          Peggy E. [redacted]                                   ...⇄ Government Relations Paralegal

[redacted] Hard Copy Attached [redacted] RE: Revdex.com Case Number: [redacted] Consumer Info: [redacted] Dear Mr. [redacted], Your correspondence of August 12, 2016 addressed to Protective Asset Protection has been forwarded to me for review and reply. Please note that the administrator of the Guaranteed Asset...

Protection ("GAP") Addendum that Mr. [redacted] purchased is Western Diversified Services, Inc. ("WDS"). WDS respectfully requests that you change the company name to reflect the correct company. We hope you find the following information helpful. We received a fax from Mr. [redacted] starting the claim process on June 10, 2016. On June 24, 2016 we received a call from Mr. [redacted] requesting a status of the claim. We explained that we needed further documents in order to process the claim and provided information on the processing time. We received documents on June 24, 2016. The claim was reviewed on June 30, 2016 and a letter was to Mr. [redacted] explained that in in order to continue to process the claim, we would need the total loss settlement breakdown, total loss evaluation report and the police report. Mr. [redacted] called us on August 10, 2016 requesting a status of the claim. We informed him that we are still waiting on documents and Mr. [redacted] became upset and stated that the insurance company had faxed us the documents on June 6, 2016 and June 12, 2016. We explained that we have no record of receiving the documents. On August 11, 2016, we reached out to the insurance company to obtain the needed documents. The documents were received the same day and the claim was processed and approved for payment in the amount of $3,330.37. The GAP Benefit Breakdown is as follows: $18,042.59 — Bank Payoff -$14,712.22 — Insurance Payment $3,330.37 GAP Benefit By pointing out the foregoing, Western Diversified Services, Inc. does not waive, but specifically reserves, any and all rights and defenses it may have under the contract and applicable law. Sincerely, Ck9-C-C—c) Peggy E. [redacted] Paralegal

I am rejecting this response because:The letter from Peggy seems to contradict the letter I received from the adjuster as to the length of time it will take to mail payment to the lien holder. The Peggy is stating 7-10 business days, and Catherine, the adjuster, stated the check would be overnighted.  I have been told contradicting things by this company before, as shown in my complaint. I want to hold this complaint open until the lien holder can confirm that payment is received, and the loan is paid off. I am attaching the email the adjuster sent to me Thursday, March 16, 2017.Regards,[redacted]Kindly be advised that your claim has been processed.  The GAP benefit amount is for $ 722.52 and we will overnight the check to your lending company.If you have any question, please feel free to contact us.Thank you, Catherine **GAP Claims AdjusterGAP DepartmentTelephone Number:  [redacted]Fax Number:   [redacted] Protective Asset Protection[redacted]DeerField, IL 60015Protective Asset Protection[redacted]Deerfield, IL  60015Phone [redacted]     www.protective411.com

This responds to your correspondence of March 23, 2018 addressed to Protective Asset Protection. It has been forwarded to me for review and reply. We apologize for not responding sooner, but we have no record of having received the first request.   At this time we are unable to locate a...

current active Service Contract with the information that has been provided. If Ms. [redacted] could provide us with a copy of the signed Deceleration Page of the Service Contract or the VIN number for the vehicle, we would be able to perform a more thorough search.   Ms. [redacted] may fax the information to ###-###-#### or she may e-mail the information to [email protected]. Once this information is received, we will be able to respond further.

Western Diversified Services, Inc. (“WDS”) is in receipt of your March, 201517 correspondence. WDS is the administrator of the subject Guaranteed Asset Protection (“GAP”) Addendum. We hope you find the following information helpful....

            We strive to provide quality customer service and regret any inconvenience Ms. [redacted] may have experienced. On March 15, 2017 we reached out to the lender and requested a copy of the missing documentation. These documents were received the same day and the claim was approved. A check in the amount of $722.52 will be sent to the lien holder within the next 7-10 business days.  By pointing out the foregoing, Western Diversified Services, Inc. does not waive, but specifically reserves, any and all rights and defenses it may have under the contract and applicable law. Sincerely,   Peggy E. [redacted]Government Relations Paralegal ...