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  • United Auto Credit Corporation v. Paola K. Matos Other Matters - Consumer Credit (Non-Card) Transaction document preview
  • United Auto Credit Corporation v. Paola K. Matos Other Matters - Consumer Credit (Non-Card) Transaction document preview
  • United Auto Credit Corporation v. Paola K. Matos Other Matters - Consumer Credit (Non-Card) Transaction document preview
  • United Auto Credit Corporation v. Paola K. Matos Other Matters - Consumer Credit (Non-Card) Transaction document preview
  • United Auto Credit Corporation v. Paola K. Matos Other Matters - Consumer Credit (Non-Card) Transaction document preview
  • United Auto Credit Corporation v. Paola K. Matos Other Matters - Consumer Credit (Non-Card) Transaction document preview
  • United Auto Credit Corporation v. Paola K. Matos Other Matters - Consumer Credit (Non-Card) Transaction document preview
  • United Auto Credit Corporation v. Paola K. Matos Other Matters - Consumer Credit (Non-Card) Transaction document preview
						
                                

Preview

FILED: NASSAU COUNTY CLERK 08/23/2016 04:20 PM INDEX NO. 608444/2015 NYSCEF DOC. NO. 15 RECEIVED NYSCEF: 08/23/2016 EXHIBIT E United Auto Credit Corporation 860 W. Airport Fwy., Suite 702 Hurst TX, 76054 Notice of Right to Reinstate and Right to Redeem Notice of Our Plan to Sell Property I Date: 1/7/2014 PAOLA K MATOS 264 TRAVIS AVE APT 2 ELMONT, NY 11003 Re: Account 0001 Retail Installment Sale or Credit Sale Contract dated 08/07/2013 ("Agreement") 2004 ACURA TL-V6 VIN 19UUA66204A021426 ("Vehicle") Dear PAOLA K MATOS: As a result of your default under the terms of the Agreement that you signed in connection with the financing the purchase of the Vehicle, we have obtained possession of the Vehicle, either by repossession or voluntary surrender. Right to Reinstate If thisbox is checked, you have a right to reinstate the Agreement until the time that we sellor otherwise dispose of the Vehicle or enter into a contract for its sale or disposition (see below). If you pay the Total Reinstatement Amount owed on or before then, you may continue with the Agreement as though you did not default. If you do not pay the Total Reinstatement Amount and get back the Vehicle, we may exercise our rights against you as provided under applicable law. Any payment you make should be mailed to us at the address shown above. Past Due Payments for 11/06/2013 through 01/06/2014 $ 1,092.80 Accrued but Unpaid Late Fees 0.00 Repossession Costs as of the date of this Notice 350.00 Other 0.00 Total Reinstatement Amount $ 1,442.80 The Total Reinstatement Amount shown above is the amount you owe as of the date of this notice. The actual amount may be greater ifadditional payments, late fees and other costs accrue before you exercise your rightto reinstate. You are required to pay all actual and reasonable costs we incur in retaking the Vehicle. The dollar amount above is an estimate because any storage costs will continue to accrue on a daily basis until you reinstate your Agreement and get your Vehicle back. You can call us at the number provided below for a current amount. Payment must be made in one of the following forms: cash, cashier's check.. UACC Form 290-NY © 2008 CounselorLibrary.com (03/2008) Page 1 of 3 Right to Redeem You have a right to redeem the Vehicle by paying the balance owed on your Agreement, plus our costs for repossessing and storing the Vehicle. You have this right even if you also have the right to reinstate the Agreement (see above). You may exercise this right to redeem up to the date we sell or otherwise dispose of the Vehicle, or enter into a contract for its sale or disposition (see below). Any payment you make should be mailed to us at the address shown above. Outstanding Balance $ 11,037.35 Accrued but Unpaid Interest 514.26 Accrued but Unpaid Late Fees 0.00 Repossession Costs as of the date of this Notice 350.00 Other 0.00 Total Redemption Amount $ 11,901.61 The Total Redemption Amount shown above is the amount you owe as of the date of this notice. The actual amount may be greater if additional payments, late fees and other costs accrue before you exercise your right to redeem (by paying off the Agreement entirely ). You can call us at the number provided below for a current amount. Payment must be made in one of the following forms: cash, cashier's check. Notice of Our Plan to Sell Property We have your Vehicle because you broke promises in our Agreement. (The checked box below applies to you). ❑ We will sell the Vehicle at a public sale. A sale could include a lease or license. The sale will be held as follows: Date: NA Time: NA local time Place: NA You may attend the sale and bring bidders if you want. We will sell the Vehicle at a private sale sometime after 01/20/2014. A sale could inc►ude a lease or license. The money we get from the sale (after paying our costs) will reduce the amount you owe. If we get less money than you owe, you Eg will ❑ will not (as checked) still owe us the difference. If we get more money than you owe, you will get the extra money, unless we must pay it to someone else. You can get the Vehicle back at any time before we sell it by paying us the full amount you owe (not just the past due payments), including our expenses. To learn the exact amount you must pay, call us at (866) 892-3401. If you want us to explain to you in writing how we figured the amount that you owe us, you may call us at (866) 892-3401 or write us at 860 W. Airport Fwy., Suite 702 Hurst TX, 76054 and request a written explanation. If you need more information about the sale call us at (866) 892-3401 or write us at the above address. We are sending this notice to the following other people who have an interest in the Vehicle, or who owe money under your Agreement: NA UACC Form 290-NY © 2008 CounselorLibrary.com (03/2008) Page 2 of 3 Sincerely, We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. LaTambra Moody Remarketing Specialist NOTICE: This is an attempt to collect a debt and any information obtained will be used for that purpose. If you are entitled to the protections of the United States Bankruptcy Code (11 U.S.C. §§ 362; 524) regarding the subject matter of this letter, the following applies to you: THIS COMMUNICATION IS NOT AN ATTEMPT TO COLLECT, ASSESS, OR RECOVER A CLAIM IN VIOLATION OF THE BANKRUPTCY CODE AND IS FOR INFORMATIONAL PURPOSES ONLY. UACC Form 290-NY © 2008 CounselorLibrary.com (03/2008) Page 3 of 3 5/17/2016 MMR Pricing Maria Giraldo (IP: 199.59.248.4) United Autc Credit Corp. (UACR) Change View MMR PRICING ois Book To Summery :Vehicle Details . .... Ii PINS I 4A021426 i. Co. Acc' 4.1111rOC-01 !,7Auction.1: 2817,21. I11Mileage I 91943 Photo n. # ii Wo/SN ,1 - — ii Year :i 2004 :i Make ACURA ,-;Model .- n Series MMR Pricing Data Auction Reported Condition :Average Closest MMR Condition I:. Average Regional Price National Price Clean Average j Rough Clean Average Rough $9,275.00 6 $7,575.00 I *$5,875.00 059,450.00 6 $7,725.00 ••::-? $5,975,0.0 Next Month Projection it Average Regional Price Average National Price $7,550.00 $7,700:00 ,, Valuation Notes • Pricing based on MMR Edition - March 24, 2014. • Pricing based on auction region - NE. • Pricing based on mileage of 91,943. • Pricing assumes 'average' of equipment on similar vehicles recently sold at auction; specific equipment on this vehicle was not evaluated. • The Body Style chosen was : 4D SEDAN • rudaliner: Data and infornsstion is provided for informational purposes only. Neither AA.SC nor Manheim Auctions, Inc. assumes Llab5ty for any inaccurate or incomplete information, nor for any actions Laken in rokance thereon, Data 5 provided by Martheim Auctions, Inc. and has not been evaluated or verified by AASC. 19.97-2016 Auto Audio, Servkes Corp. AI Rights Contact Us I Tarns of Use IPrivacy Policy loading hftps://www4.autoims.com/jsp/vehicle/pricing/mmr/mmrPricingisp?tab=pricing&invid=74336243&displayOnly&archive=yes&trald=47528858bodystyle=4D%20SEDAN&guidepriceld=8226986&userChosenCondit.. . 1/1 11/18/2015 Tabbed Vehicle Summary Rick Blunt (IP: 199.59.248.4) TABBED VEHICLE SUMMARY Sold / Funds Sent 2004 ACURA TL VIN; 19UUA66204A021426 Action: - Ext. Color: GRAY Client: UACR Secondary Client: - Int. Color: Black Cn. Acc. #: 14055570001 Confirmation Number: - Engine: 6-Cylinder Gas Auction: ADESA Long Island Vehicle Grade (Original CR): Transmission: Automatic Auc. WO/SN: 281721 Grade 3: Average Transmission Mileage: 91,943 Vehicle Grade (Approved Series: - License Plate: - CR): - Sub-Series: - Classification: - Equipment: 6.G.-ATAC-25- Title Status: Title Received TC-EW-MS-DL-LI-CC-DU- MR-FWD-TL-DAB Client r ,r LIvePrIcIng Holds rDocuments or.; >crall To: Sale Information Auction Supplies; Cates: Printable View Admin: Autoims Pee $5.00 $5.013— — Recon: Keys - Standard $140.00 $140.00 Admin: Environmental Fee $4.00 $4.00 Recon: Wash $25.00 $25.00 Recon: Gasoline 2 gallons $16.00 $16.00 Transport: Transportation FeePick Up from Brooklyn to Yapha $165.00 $165.00 Admin: Sale Fee $105.00 $105.00 5460.00 $460.05 (total) (total) Sale Information Lot ID B Funds Received Lane# 02 Buyer Payment Received Date 03/28/2014 Run# 78 Sold Date 03/28/2014 Req Run# Sale Price $5,600.00 Floor Price (Accepted) $6,800.00 Check Amount $5,140.00 Floor Price (Requested) $6,800.00 Check Number 471 Damage Est. $2,122.50 Charge Amount $460.00 Scheduled Sale Date 03/28/2014 Buyer ID 209050001 Days Run 1 Buyer Name SF AUTO SALES LLC Highest Bid Purchasing Dealer State NY Auction Venue Open Auction Sale Internet Buyer? No Arbitration Reason Other Manufacturer Dealer Number Funds Sent 03/31/2014 GST Collected Funds Shipping Method Corporate Parts Amount Funds Tracking Number Corporate Tires Amount Auction Supplied Dates 04/11/2014 POA Received Date Modified by Auction EDI 2:35 PM EDT Saleable 01/2W2014 _AssianmentAccentad 01/31/20.1.4 loading https://www2.autoims.comfisp/vehicle/detail.jsp?invid=74336243&archive=yes&show-view 1/1 11/18/2015 Tabbed Vehicle Summary Rick Blunt (IP: 199.59.248.4) LIVE REPORTS TABBED VEHICLE SUMMARY •••••• •,•• Sold / Funds Sent 2004 ACURA TL VIN: 19UUA66204A021426 Action: - Ext. Color: GRAY Client: UACR Secondary Client: - Int. Color: Black Cn. Acc. #: 14055570001 Confirmation Number: - Engine: 6-Cylinder Gas Auction: ADESA Long Island Vehicle Grade (Original CR): Transmission: Automatic Auc. WO/SN: 281721 Grade 3: Average Transmission Mileage: 91,943 Vehicle Grade (Approved Series: - License Plate: - CR): - Sub-Series: - Classification: - Equipment: Q.0.::ATAQ.:E.S.:-. Title Status: Title Received TC-EW-MS-DL-LI-CO-DU- MR-FWD-TL-DAB Tracking Condition Auctioi. I Client Ivor r Documents T,, Scroll To: Addirkinor Pnting Fi ‘0,1r Nor:Mlle& WAR Related Nixes Printable View AdditionalPricing Fields Floor Price (Requested) . $6,800.00 Auction Guide Book Price Floor Price (Accepted) $6,800.00 Actual Cash Value Floor Price (Private) Private Book Value Online Pricing Date Online Pricing By Custom Amount 1 Custom Amount 2 Custom Amount 3 Custom Amount 4 Custom Amount 5 Custom Amount 6 Private Amount 1 - Private Amount 2 Floor Price and Bid History Related Notes Date Written I Writer Text 03/24/2014 Joe Cote(CN) Floor Price (Requested) changed to $7,800.00 3:53 PM EDT 03/28/2014 Joe Cote(CN) Floor Price (Requested) changed to $6,600.00 7:45 AM EDT 03/28/2014 EDI Auction(AUC) Daysrun: 1; Highest Bid Recorded by Auction: - 3:50 PM EDT loading https://www2.autoims.com/jsp/vehicle/detail.jsp?invid=74336243&archive=yes&show-view 1/1 5/17/2016 Printable Vehicle Summary Sold / Funds Sent 2004 ACURA TL V1N• I9UUA66204A021426 Action: - Ext. Color: GRAY Client: UACR Secondary Client: - lot. Color: Black Cu. Ace. //:1111.1111110001 Confirmation Number: - Engine: 6-Cylinder Gas Auction: ADESA Long island Vehicle Grade (Original CR): Transmission: Automatic Auc. WO/SN: 281721 Grade 3: Average Transmission Mileage: 91,943 Vehicle Grade (Approved CR): - Series: - License Plate: - Classification: - Sub-Series: - Title Status: Title Received 1/t0 Stud Stop Equipment: .6G-AT-AC-PS-TC- EW-14$717).1.,-LI-CC-DU-MR- FWD-TL,-DAB HTML View of CR Major Damage: - Vehicle Type: Car or Light Truck Anneimport Conditions.: Additional Damages: - File Insurance Claim?: - • As Is As Is 100K Miles: NO Request Previous Repair Order: - • Altered SuspensionUniBody/Frame Damage: NOGeneral Remarks: Suspension modified. Y r el .v 1/0 T7n0 ..Incrernental Recon: No . Cleaning Level Req. (client): Wash and Vacuum Only Equipment Engine Leather InteiiTi- i Roof Moon Roof Engine Size Seats IMemery ; Drive Type iFront Wheel Drive Transmission Automatic Transmission Locks I Yes Rear Defroster Yes Alr Cruise Yee Tilt Yes _ Steering Yes Radio AM/FM CD/Cassette Airbag Dual Air Bags rakes traction Control Windows Yes # Seats Air Conditioning Stereo - AM/FM CD/Cassette Motor Fuel Type • Gas Car LF Tires - 5/32 inch Car RF Tires - 5/32 inch Car LR Tires - 2/32 inch Car RR Tires - 2/32 inch Side Airbag Loft Front Side Airbag RightFront -I, Power Driver & Passenger Seat Tiro Brand - Front Loft • Bridgestone lire Brand - Front Right - Firestone Additional Equipment Tire Brand - Rear Left • Fusion Tire Brand - Rear Right - Generic Memory Seat Telescopic Steering Wheel Telescopic Steering Wheel Heated Mirrors Power Mirrors Heated Seats - Heated Seats - Driver & Passenger Front Wheel Drive Transmission - Automatic Transmission Tilt Wheel Cruise Control .. ......._.... Left Curtain Airbag Right Curtain Airbag `Trailer VIN Trailer Condition Damages otraz.!. Repair- Repair Damage Display Paler Ph7to item SeverityactionCommence Labor Cl Approved Repaired Sflgge%1LcA Group ((wile No Loft Front Dirty [no photo( No InteriorDoor Penel Report $0.00j if $0.00 Left Rear Di,, [no photo) InteriorDoor Penel_d Report $0.00 $0.00 0 [no photo] Cargo Area Interior — So.:itched Repair 50,00 I $0.00 $0,00 j [no photo) No InteriorCargo Area Worn Wiped' $0.00 $0,00 50.00 (no photo) NO . InteriorCargo Amp Dirty Repot • $0.00i $0.00 $0.00 Right Rear . [no photo] No No Interior Dirty Report • $0.00 $0.00 50.00 Door Pani4 Goittluie [no photo[ Interior Cover P.epett $6.0oi $0.00 0,00 • Cori ale [no photo) Interior bents Report .$0,001 80.00 SCUM Cover Console [no photo) Interior Cover Dirty Repent Seco • $0.00 $0.00: 444 [no photo) InteriorRight Front Door Panel. Dirty ri6j)wi $0,00 $0.00 00.00 Steering [no photo) interior Wheel Renorti $0.00 $0.00 .10.00 1. Steering (no photo] interior Wheel :Repell 50.00 40,00 00.00 (no photo] Inultiornastiii;Oti .Worn Report $0.00 50,06 (no photo] Interior Meta Missing Report , $0.00 $0.00 0 $10):.(0:7 $ (no photo) Nir No ( Interior Dirty Report r 1 $0,00 [ 01 0 https://www4.autoims.com/jsp/vehicle/print-detai I .jsp?invid=74336243&archive=yes&print=yes 114 5/17/2016 Printable Vehicle Summary [no photo] No No. interiorSunroof Dirty Report $0.00 50.00 Shade Loit rront (no photo] No No 'Mork/ Carpal Worn Report 50.00 $0.00. 3040 019,900114 No Mq. Interior FF Left Froth. Carpal Dirty Report $0.00 $0.011,0 moo Hight FIVill (no photo] No Interior Dirty Report 1 $0.00 $0.001 0 0 50.0n Carpal " IOU pliotel No Left Front Seal Interior Dirty Report $0.00 $0.00 0 0 $0,00 Right Front (no photo] Interior Seat Worn Report $0.00 S0,001 U 0 J 50.00 Ave. Righeat t Front [no photo] NO! Na Interior Dirty jReport $0.00 $0.00 MOO S Left Rear [no photo] Interior Dirty Report $0.00j$0.00 0 0 $0.00 Carpet Right Rear (no photo] No No Interior Dirty Report $0.00 $0.00 0 0 $0.00 Carpet Light I To 3 photo) [no No Paint Hood Repair $0.00 $17.5010 0.5 $17.50 Scratch Inches Previous [no photo) Paint Hood Acceptable ' Report $0.00! $0.00 0 0 $0,00 Repair Lower a moo [no photo] No No Paint < Valence Loose Report '$0.00 0 t U $0.00 Right Front photo) [no No Ne Paint Fender• ReplacedAcceptable Report $0.00 $0.00 0 0 $0.00 Right FrontPrevious [no photo] No No Paint Acceptable Report $0.00I $0,001 CE. • $0.00 Door [top)* Right Roar Light 1 To 3 photo] [no No Paint Repair 50.00 $17.50 0 0.5 # 517.50 Door Scratch Inches Front 1 To 3 1-1.4)4YY. [no photo] No Paint Report $0.00j 30.00 $0.00 .Bumper/Cover SoratCh Inches Front Previous [no photo) T1 . too Paint Burnper/Coveritepalr Acceptable Report $0.00 50.00 0 0 50.00 ii Front ; L.4304.e [no photo] No Paint R pert $0.00 $0 00 It 0 $0.00 Bumper/Cover Rear Previous [no photo] No Acceptable Report I $0.00 $0.00 0 $0.00 Paint Bumper/Cover Repair Rear _. [no photo] No Paint Misaligned Report 1 $0.00 $0.00 0 0 $0.00 Bumper/Cover. ,---- • Rear 1 To 3 [no photo] Paint. Torn Report $0.00; $0.00„]0 $0.00 .Bumper/Cover Inches ... ..••••••,. -,....,-, Li 6 To 9 (no photo] Paint Deck Lid• ght Repair 50.00 517.50 10 5 $17.50 .Sixatch Alphas. Heavy i To 3 [no photo] Paint Left Qtr Panel' Report $0.00 $0.00i Scratch inches . ..... ... . 1 To 3 [no photo) Paint~ Left Qtr Panel Rusty Report $0,00 1 $0.00 0 0 $0.00 Inches w M Left Front [no photo] No Paint Chipped .41 InchRepair $0.00 $17.50 0 0,5 $17.50 Door Light 1 To 3 [no photo] No No Paint Roof Repair 50 00 $17.50 04 $17.50 Scratch Inches Right Rear [no photo) No No Mechanical Suspension ReplacedAcceptable Report $0.00 511.00 50.00 Kayletts i $0.00 [no photo] No i No Mechanical Mfesing iReport 1 50,00 $0,00 !Ionia) ... . . . (no photo] No No Mechanical Fuel 1 Low Fluid Report $0.00 $0.00 50.00 [no photo] No No Mechanical Battery Weak 1Repair .1 50.00 Loll Front (no photo] No No Mechanical Suspension ReplacedAcceptable r Report 01.00 $0.00 0 .$0,00 1 Right Front [no photo] No No :Mechanical Suspension ReplacedAcceptable Report $0.00 $0.00 $0.00 :, ,... Lof t Roar is [no photo] No Np i Mechanical . Replaced; Acceptable Report $0.00 $0.00 $0.00 Suspension . „ ,.„..... Right Roar [no photo] No No Tires 'lira Milan etched Acceptable Report 50,00 1 $0.150 $0.00 Right Front . [no photo] NO Mismatched Repoli t Acceptable $0.00, 5[1.00 $0,00 lire [no 06114 NO 'Tiros. Rear Tire "Mismatched' Acceptable Left Report ! $0.00i $0,00 $0,00 Ina phgl0] Thee Left Front Tire. Mismatched Report Acceptable 50.00 50.00 $0.00 ooto No Damage ee06-'" $0.00 Right $0.00 Ine phethl No Damage Stroviaor $0.00 50.00 ...,....,.... filo photo). No No Damage t.ett Stinvlsor some tong $0.00 040,)] No No Damage Valot Key, .yOon $0.00; 0. 0 50.00 ........ ht ps://wwwthautoirn s.corn/jspivehicle/prlnt-detail.jsp?invid=743362438,ar chive.yes&pHnt=yes 2/4 5/17/2016 Printable Vehicle Summary ()to Damage E ire Photo 1 a I Damag Extra Photo 1 Photo Only Damage Photo - Dash Damage Photo - Dash Photo Only