[quote]Don't get your self involved with this company[/quote] Page Scan / OCR of Issue With Caminar,Inc Las Vegas Div. -- Saturday, November 04, 2006 >>>>>>>>>>>>>>>>>>>>>>>>>>>>> [:rolleyes] Mr. Jeffrey Earl Walker Ph.D Las Vegas, Nevada 89106 [:rolleyes] Caminar Inc. 3233 W. Charleston Blvd -Suite 110 Las Vegas,NV 89102 10/10/06 Re: September, 2006, Rent Payment Per my instructions to my financial institution, any checks that are presented to anyone and are not processed within thirty(30) days from the date written on the check are to become void and will result in a stop payment. A stop payment charge of $28.00 that is assessed to me will be passed on to any payee. I will make a payment of $261.00 and will consider it as full payment for the September rent. Every month that I have made a rent payment, Caminar has not processed the check until very close to the void date. I do not feel that it is up to me to pay the stop payment fee since Caminar procrastinated in the cashing of my check. In addition, I understand that no more personal checks will be accepted, although you accepted personal checks for July, August, September, and the Refundable Deposit.. Continued >>>>>>>>>>>> I need to know if you will accept Bank of America Bill Pay type of payments. If you need info on these types of payments call B of A at 1-800-432-1000 and they can advise you of this type of payments. If this is not acceptable, please let me know as soon as possible Thank You ( SIGNED & DATED ) [:rolleyes][:o] [:rolleyes][:o] ((( Reply Received Via Fax --- Caminar Inc. ))) To: Jeffrey Walker From: Kathi Thomas-Gibson 10/31/2006 Re: Payment issues I reviewed the memo you gave me on October 26, 2006. We will not be able to accept personal checks or checks sent from your bank. In both cases you can stop payment, thereby missing timely rent submission. You are liable for the costs of stop payments generated at your requests, your bank surcharges and program late fees. Any attempt to pass those costs on the program will result in additional late fees and possible termination from the Pedregal program for non-payment. We will only accept money orders, cashiers checks or cash for monthly payment of rent. In addition to your regular rent of $289.00 you owe an additional $35.00 in late fees for a total of $324.00 on November 1,2006. ( SIGNED ) [:rolleyes][:o] [:rolleyes][:o] [[[[[ My Reply To Caminar Inc. ]]]]] Mr. Jeffrey Earl Walker Ph.D Las Vegas, Nevada 89106 To: Kathi Gibson-Thomas --Executive Director Caminar Inc. 3233 W. Charleston Blvd -Suite 110 Las Vegas, Nevada 89102 cc: Violeta Hernandez (Clark County Legal Service Program, Inc.) & File 10/31/06 Re: Payment Issues On Oct 31,2006,you replied with 'You are liable for the costs of stop payments generated at your requests, and your bank surcharges and late fees. 'Any attempt to pass those costs on to the program will result in additional late fees and possible termination from the Pedregal program for non-payment. 'In addition to your regular rent of $289.00 you owe an additional $35.00 in late fees for a total of $324.00 on Nov 1,2006.' Regardless of the resolution of this matter, I will from now on pay the full amount of rent each month as stated In your letter of 10/31/06.. As I stated In my letter of 10/10/06 and above, I do not feel that it is my responsibility to pay for Caminar's procrastination In the cashing of my check. I am henceforth enacting the powers afforded me by the Fair Debt Collection Practices Act, which, under NRS 31.045 that states that my income Is 'exempt from levy or garnishment.' Additionally, NRS 21.090 that states that my 'assets are exempt from collection of a judgment.' Failure to comply with the request will be seen as a violation of Federal law under USC 15 Section 1692 (d). Thank vou for vour timely and informative response. [:rolleyes][:o] [:rolleyes][:o] [[[[[ Letter To San Mateo,California Office ]]]]] Mr. Jeffrey Earl Walker Las Vegas, Nevada 89106 James D Stamper 3 Waters Park Drive, Suite 200 San Mateo, CA 94403 Phone: (650) 372-4080 Fax: (650) 372-9330 . Info@CaminarInc.org cc: Violeta Hernandez (Clark County Legal Service Program, Inc.) Via Fax 702-366-0569 Ms. Kathi Gibson-Thomas (Caminar -Las Vegas, NV) Via Fax 602-471-6367 11/02/06 Re: Payment Issues The following is an illustration of the nature of a financial issue that I am having with the Las Vegas office. On Oct 31, 2006, Kathi Gibson-Thomas, representing Caminar replied 'You are liable for the costs of stop payments generated at your requests, and your bank surcharges and late fees. 'Any attempt to pass those costs on to the program will result In additional late fees and possible termination from the Pedregal program for non-payment. 'In addition to your regular rent of $289.00 you owe an additional $35.00 in late fees for a total of $324.00 on Nov 1 ,2006.' , Regardless of the resolution of this matter, I will from now on pay the full amount of rent each month as I have always been doing. Re: Payment Issues -Continued --- San Mateo,CA >>>>>>>>> However, be advised that I gave a check on Sept 3, 2006 and again on Oct 10,2006 As I stated in my letter of 10/10/06 and to Ms. Gibson-Thomas, I do not feel that it is my responsibility to pay for Caminar's procrastination In the cashing of my check. I have replied to Ms. Gibson-Thomas representing Caminar in Las Vegas, Nevada: 'I am henceforth enacting the powers afforded me by the Fair Debt Collection Practices Act, which, under NRS 31.045 that states that my income is 'exempt from levy or garnishment.' Additionally, NRS 21.090 states that my 'assets are exempt from collection of a judgment.' Failure to comply with the request will be seen as a violation of Federal law under USC 15 Section 1692 (d). I have decided to take this action because of the many times that this matter has occurred. Thank you for your timely and Informative response. ( Signed and Dated ) [:rolleyes][:o] [:rolleyes][:o] [[ My Reply To Caminar Inc. - & Reply To Me ]]]]] Mr. Jeffrey Earl Walker Ph.D Las Vegas, Nevada 89106 Kathi Gibson-Thomas --Executive Director Caminar Inc. 3233 W. Charleston Blvd -Suite 110 Las Vegas, Nevada 89102 cc: Violeta Hernandez (Clark County Legal Service Program, Inc.) San Mateo,CA Office (Via Fax 1-650-372-9330) 11/03/06 Re: September, 2006, Rent Payment On Nov 3,2006 , you replied : I reviewed the additional info you gave me on Wednesday 11/1/06., Let me clarify what you owe; November 2006 rent -$289.00; unpaid portion of rent from October ( ^Was Sept^ ) $28.00; bank charge/fees. $7.00. Your total due on November 1,2006 is $324.00. You have not been sent to a collection agency. Your assets have not been garnished nor has any attempt been made to levy or garnish any assets. You have cited some statutes that do not yet apply in your situation. You are, however, in violation of your occupancy agreement. Please review your program documents if you have additional questions. The rules that apply in this case are covered by landlord/tenant statutes and federal regulations set forth by HUD. Both HUD and the county have set forth conditions under which a tenant may be evicted for non-payment of rent. Failure to pay will result in a 'pay or quit' notice,which may then lead to an eviction. Re: Payment Issues -Continued >>>>>>>>> We do not want to evict you ! I am simply explaining the rules, what you owe and the impact of non-payment. Lastly, keep in mind, you are liable for the costs of stop payments generated at your requests, bank surcharges and program late fees. You had no valid reason to stop payment on your rent check. Any attempt to pass those costs on to the program will result in additional late fees and possible termination from the Pedregal program for non-payment. We will only accept money orders, cashiers checks or cash for monthly payment of rent. I have made a payment of $289.00 on 9/03/2006 by check 156 and a repayment of $261.00 by a cashiers check on 10/10/2006. Caminar procrastinated in the cashing of my check, thereby causing the occurrence of the stop payment fee ($28.00) by the bank because the check was marked void after 30 days and you did not process it within the stated time frame. Large corporations and other payee have not had an issue with the 30 day void statement on the check. (Ex: Cingular, Sprint, UMC and numerous others -Payees I Write Checks To ). The statutes that I cited refer to similarly related matters and the non-collection of payment. Please provide in written form the statements that you are referring to regarding HUD, Landlord/Tenant and Federal Regulations given. I have gone on-line to HUD requesting a clarification and that an investigator be involved, since you stated their name in your reply to me. Re: Payment Issues -Continued >>>>>>>>> You are not explaining with any documentation the rules and regulations that you referred to in your reply. Please explain in detail and with documentation, how this matter should be resolved in a mutually acceptable manner. I am willing to take this matter to legal meditation if needed by both of us. Again I must state: Caminar procrastinated in the cashing of my check, thereby causing the occurrence of the stop payment fee ($28.00) by the bank because the check was marked void after 30 days and you did not process it within the stated time frame. I have made payment now twice(x2), you got the rent payment less the stop payment fee. ( Signed & Dated ) [:rolleyes][:o] [:rolleyes][:o] +_+_+_+_+_+_+_+_+_+_+_+_+_+_ Proposed Ending Of This Matter/Issue::: I cannot understand why Caminar does not understand that they caused this issue. Caminar needs to accept the facts that they caused this issue. Caminar is lucky that they got a repayment, as they did not process my check in a timely matter and it became void and caused a bank issued stop payment fee. Caminar has received payment now twice (x2). 9/3/2006 - Check 156 - Became Void because of there procrastinated cashing of. 10/10/2006 - Cashiers Check # 0021203- Replace Voided Check -Less Fee(s) Caminar must provide documents from HUD and other stated parties said within there replies to me, that document facts and state fees and related cannot be passed on. I am willing to take this matter to legal meditation if needed. Until documented facts and verifiable statements are received, Caminar should not add additional late fees or other assessments. ( Signed & Dated ) [:rolleyes][:o]