I do not even know where to begin. I am suffering emotionally and physically.
Last September 2007 I had to close my little small business. Someone bought it at the last moment at a complete loss for me. I cancelled the security system, and insurance for the store with no problem. No extra costs involved to cancel when you no longer own the store. I emailed Canada Bank card systems to let them know what was happening as they are the ones who go through LFG - Lease Finance Group as much as I can figure out now. I have all correspondance and emails as well as to what has been going on.
I was instructed by Canada BankCard Systems to return the epuipment to their Burlington Office which I did as told and also sent it back in original packaging and in the same condition in which I received it. I sent it UPS Expedited and it was signed for at the Burlington address the next day. (of which I have proof). I was then told via email there were no forms to sign to cancel the contract, to just return the machine and get proof of delivery. I then asked CBCS (Canada BankCard Systems) if the auto Withdrawals for the business account had been stopped. The business account was closeing out.
I was told via email and I quote: "Closing the account works great as payments cannot go through. Sometimes the auto withdrawal takes time to stop".
On Oct 12/07 I emailed CBCS to advise them that my bank had put stop payment for $45.20 LFG was taking every month. Well guess what? They took it out under a different name so of course the stop payment did not work. Who is GCN Holdings 8885475? This is who took the money out when the first try under LFG did not work. I went into my bank who were very upset about this and immediately they reversed the withdrawal by GCN Holdings and they put stop payments on both GCN Holdings and LFG. The bank also did a "Declaration for Disputing a Pre-Authorized Debit" and stated that we had never authorized GCN Holdoings to draw or prepare the aforementioned PAD in my name, and that LFG had been advised of revocation of PAD.
I advised CBCS of the events and was told via email and I quote: " Well - closing the account will work like a charm. It will stop everyone dead".
As far as I can guess, LFG is an offshoot of Canada BankCard Systems and I did what I was told trusting that CBCS was advising the "powers that be" what was happening.
Then the calls from Chicago started. I am in Canada and LFG has an office in Toronto so why is Chicago calling me? My husband once was able to reach someone there who hung up on him. Next thing I know New York office is now calling me constantly. They would leave an automatic message (pre-recorded) to call them. I would try to call and most times there was no answer and when my call was answered it was a recording I listened to instructing me to stay on hold. I would stay on hold up to 5 minutes with no answer. I would then hang up. This has been going on for months. Never once have I been called from the Toronto office of LFG.
I finally left a messge last week on the 24 hour voice mail at LFG in the Toronto office for someone to call me and explain why I am dealing with New York and not them? I have had no return call from the Toronto office.
New York told me in Nov/07 that the equipment was to be returned to them! All letters and correspondance I have received in the mail comes from the Toronto office. I was told by NY that they own the equipment and if the company who instructed me to send it to CBCS sends it to them I only owe $949.20! If their machine is not returned to them by the company than I owe $1166.16! This I was told was to buy out the lease???!!! This was new to me. No one told me anything about this. All I was told was to close my account and return the machine and all was good.
By the way my contract is with Canada BankCard Systems not LFG. CBCS is who sent me the lease agreement so how does LFG come into play?
My contract states At the expiration or earlier termination of this lease term you have the follwoing options - 1) You shall disconnect and return the equipment and or software freight paid to us in good repair condition and working order in a manner and to a location we designate and all Lessee's rights to use the equipment and or software shall terminate" I did do exactly all of this.
I have no signed contract of any sort with LFG.
I have been leaving numerous messages for a lady at LFG to call me back. I have dates and times of proof. She called me back and left a message stating she has not received my messages! I have 2 or 3 messages from her saved on our answering machine. Sometimes when I call another phone # left by the pre-recorded message on our answering machine it says I am out of the service area? What is that about? When I tried the same # again on a different day my own phone company with a pre-recorded message asked me to leave a message! I did but how does my phone company have anything to do with LFG in NY?
I have a full running record of all email correspondances and mail, dates and times I have tried to call, messages left on the LFG NY ans machine.
Last week LFG's attorney office called and left a brief message threatening me and that my credit rating was going to be next. The lady who called also said I had to call before Monday April 1/08 but left no #. I only received the call late afternoon on Friday March 28/08. There was no time to return the call and leave a message that I had indeed returned their call and I had no phone # to call either. They set you up.
This is wearing on my state of mind and my health. I cannot eat most days, I have lost weight, I cannot sleep at night, I have anxiety attacks - chest tightening and almost feels like I am fighting for air.
I beg someone to help me. I am at a complete loss. As far as I am concerned it is very simple: CBCS asked me to return equipment to their Burlington office - I did and have proof of that. Next to cancel bank accounts - I did. I am done with this. Someone please help me. If I have missed anything, I have it all in detail via emails and letters. Thank you. I am afraid of retaliation but will deal with that and report to you if it happens.
Cobble Hill, British Columbia