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MAYES COUNTY • CS-2026-00065

Globe Acceptance, Inc. v. Cheryl Baker

Filed: Apr 24, 2026
Type: CS
View Official Docket ↗

What's This Case About?

Let’s be clear: nobody likes getting sued for a car they no longer have. But when the math adds up to owing $4,306.61 for a 2013 Chevrolet Equinox you haven’t seen in over a year, and the finance company wants to come after you like a debt-hunting ghost, things get gloriously petty. And that, my friends, is exactly where Cheryl Baker finds herself — not in jail, not fleeing the country, just quietly living in Vinita, Oklahoma, while a corporation in Iowa files a lawsuit over a car that’s long gone, sold at auction, and still somehow not quite paid off.

So who is Cheryl Baker? On paper, she’s a single woman in her 50s, working as a manager at Broken Arrow Pet Resort, pulling in about $3,457 a month — not exactly Wall Street money, but enough to keep the lights on and maybe spoil a few dogs. In June 2019, she walked into Overdrive Automotive Center, a buy-here-pay-here dealership in Tulsa, and walked out with a 2013 Chevy Equinox. The total price tag? A cool $21,375.36 — which included $5,991.36 in finance charges, because apparently driving a nine-year-old crossover in 2019 came with a built-in interest surcharge. She put down $500 and started making monthly payments of $474.44, which sounds like a lot for a 10-year-old SUV, but hey — credit scores aren’t always kind.

Now, Globe Acceptance, Inc., the plaintiff in this case, isn’t the dealership. They’re the money people — the kind of company that buys up auto loans from sketchy buy-here-pay-here lots and then sues people when they fall behind. Cold? Maybe. Effective? Absolutely. They’re based in West Des Moines, Iowa, but their reach extends deep into Oklahoma’s backroads, and they don’t mess around. Their attorney, Nathan V. Swoyer of Osborn Jacobs & Hartung PLC, sends letters that read like a mix between a legal threat and a customer service survey — complete with QR codes and a toll-free number. This is modern debt collection: slick, automated, and emotionally detached.

Here’s how it went sideways. Cheryl made payments — not always on time, not always full — but she paid. The ledger shows a trail of partial payments, late fees, and confusion. In August 2019, she paid $232.50. In October, $234.44. By November, she was $474.44 short, and then paid only $214.02. The pattern repeats: missed payments, late fees of $22.50, “convenience fees” of $5 (because charging you $5 to pay your bill is apparently still a thing), and a growing balance of past-due amounts. The interest rate? A cheerful 18.99% — because when you’re lending to people with spotty credit, you either charge a fortune or you don’t sleep at night.

By early 2023, the situation had snowballed. On February 15, 2023, Globe Acceptance sent Cheryl a letter titled “Notice of Plan to Sell Property.” Translation: We took your car. You didn’t pay. Now we’re auctioning it off. The Equinox was repossessed, and Cheryl was told she could redeem it by paying $5,721.37 — in wire transfer only, no cash, no checks, no IOUs. That’s the kind of number that makes you laugh or cry, depending on your emotional bandwidth.

She didn’t redeem it. So they sold it — at auction, for $2,600. That’s $2,600 for a car that, just a few years prior, was being financed like it was some kind of luxury asset. But here’s where it gets wild: after the sale, Globe Acceptance says she still owes money. How? Because they tack on repossession costs — towing, storage, paperwork — plus late fees, interest, and a $390 “collection fee.” After all that, the math says she still owes $4,053.54. Then, because time is money and lawsuits generate interest, by May 2023, that number had grown to $4,306.61 — the amount Globe is now suing for in Mayes County District Court.

So why are we in court? Because Globe Acceptance claims Cheryl broke the contract. Simple as that. The legal term is “breach of contract,” which, in human language, means: You promised to pay, you didn’t, and now we want a judge to make you pay anyway. They’ve already repossessed and sold the car — a move meant to cut their losses — but since the auction didn’t cover the full balance (plus all their fees), they’re allowed under Oklahoma law to come after her for the difference. This is called a “deficiency judgment,” and it’s how finance companies make sure you don’t just walk away from a bad loan with nothing but a lighter wallet and a story.

And what do they want? $4,306.61. Plus interest at 18.99% per year from May 31, 2023, onward. Is that a lot? For a used car that sold for $2,600? Absolutely. For a company that already collected over $18,000 in payments and fees before the repo? Maybe not. But for Cheryl Baker, a pet resort manager making $3,457 a month, $4,300 is more than a mortgage payment — it’s a month and a half of rent, or a year of vet bills for every dog she’s ever spoiled at work. It’s not bankruptcy-level money, but it’s not nothing. And let’s be honest — if she had $4,300 lying around, she probably would’ve just paid the damn thing and avoided this whole drama.

Our take? This case is a perfect little time capsule of how the American subprime auto loan system grinds people down. A woman buys a car to get to work. She pays what she can. The company charges her fees for being late, interest for being alive, and then takes the car and sells it for less than it’s worth — only to turn around and say, “Hey, you still owe us, actually.” And now, instead of just losing her car, she might lose her credit, her peace, and possibly a chunk of her paycheck — all over a 2013 Equinox that probably didn’t even have working AC.

The most absurd part? The $5 “convenience fees.” Not the repossession. Not the 18.99% interest. But the fact that every time Cheryl tried to make a payment — often late, often partial — they slapped on a $5 fee for the inconvenience of accepting her money. The irony is so thick you could slice it. We’re not rooting for anyone to win — but if justice had a sense of humor, Cheryl would show up to court with a $5 bill taped to a handwritten note that says, “Here’s your convenience fee. Now go bother someone else.”

Case Overview

$4,307 Demand Petition
Jurisdiction
District Court of Mayes County, Oklahoma
Filing Attorney
Nathan V. Swoyer
Relief Sought
$4,307 Monetary
Plaintiffs
Defendants
Claims
# Cause of Action Description
1 breach of contract failure to pay debt

Petition Text

6,820 words
IN THE DISTRICT COURT OF MAYES COUNTY STATE OF OKLAHOMA Globe Acceptance, Inc. ) ) ) ) vs. ) CASE NO. CS-20-65 CHERYL BAKER ) ) ) PETITION COMES NOW the Plaintiff, by and through its attorney, Nathan V. Swoyer, and in support of its cause of action against the Defendant(s) states to the Court as follows: 1. The Plaintiff is authorized to do business in the State of Oklahoma. 2. The Defendant(s) are individuals of Mayes County, Oklahoma. 3. On or about June 8, 2019, the Defendant(s) entered into a written contract for the purchase of a motor vehicle. A true and correct copy of said contract is attached hereto. 4. The Plaintiff is the current owner and holder of said contract entitling Plaintiff to all of the creditor's rights, title and interest in said contract and the vehicle described therein. 5. The contract required the Defendant(s) to make monthly installments during the term of the contract. 6. The Defendant(s) failed to pay the Plaintiff the monthly installments due under the contract, and such failure constituted a default. 7. By reason of said default, Plaintiff exercised its rights of acceleration under the contract, and declared the unpaid remaining payments due and owing. 8. Subsequent to the default, the Plaintiff repossessed said motor vehicle, and pursuant to applicable law, disposed of it in a commercially reasonable manner. 9. Plaintiff applied the proceeds of said sale to the balance owed by the Defendant(s), and after applying said sale proceeds plus allowable expenses of repossession and late charges, less any unearned charges, there was a balance due and owing of $4,053.54. applicable law, disposed of it in a commercially reasonable manner. 9. Plaintiff applied the proceeds of said sale to the balance owed by the Defendant(s), and after applying said sale proceeds plus allowable expenses of repossession and late charges, less any unearned charges, there was a balance due and owing of $4,053.54. 10. This legal proceeding is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. WHEREFORE, Plaintiff prays for judgment against the Defendant(s) CHERYL BAKER, for the principal sum of $4,053.54, together with interest thereon at the contractual rate of 18.99 per cent per annum from and after May 31, 2023 and for the costs of this action. Osborn Jacobs & Hartung PLC Nathan V. Sweyer 974 73rd Street, Suite 20 West Des Moines, IA 50265 Tel: 800/617-7593 Fax: 515/223-6011 Email: [email protected] ATTORNEY FOR PLAINTIFF OSBORN JACOBS & HARTUNG PLC ATTORNEYS AT LAW 974 - 73rd Street, Suite 20 West Des Moines, IA 50265 Toll-Free Phone: 800-617-7593 For TTY Assistance Dial 711 Web: www.midwestlawgroup.com Email: [email protected] CHERYL BAKER 1630 HICKORY RIDGE RD VINITA, OK 74301 Your Reference: 869756 October 16, 2025 Osborn Jacobs & Hartung PLC is a debt collector. We are attempting to collect a debt and any information obtained will be used for that purpose. Our Information Shows: You had an account with GLOBE ACCEPTANCE, INC., account number ********2410. The current owner of this account is Globe Acceptance, Inc. <table> <tr> <th>As of June 17, 2025, you owed:</th> <td>$4,053.54</td> </tr> <tr> <th colspan="2">Between June 17, 2025 and today:</th> </tr> <tr> <th>You were charged this amount in interest:</th> <td>+ $253.07</td> </tr> <tr> <th>You were charged this amount in fees:</th> <td>+ $0.00</td> </tr> <tr> <th>You paid or were credited this amount toward the debt:</th> <td>- $0.00</td> </tr> <tr> <th>Total Amount of the debt now:</th> <td>$4,306.61</td> </tr> </table> How can you dispute the debt? • Call or write to us by November 25, 2025, to dispute all or part of the debt. If you do not, we will assume that our information is correct. • If you write to us by November 25, 2025, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically at www.midwestlawgroup.com. What else can you do? • Write to ask for the name and address of the original creditor, if different from the current creditor. If you write by November 25, 2025, we must stop collection until we send you that information. You may use the form below or write to us without the form. We accept such requests electronically at www.midwestlawgroup.com • Go to www.cfpb.gov/debt-collection to learn more about your rights under federal law. For instance, you have the right to stop or limit how we contact you. • Contact us about your payment options. How do you want to respond? Check all that apply: □ I want to dispute the debt because I think: □ This is not my debt. □ The amount is wrong. □ Other (please describe on reverse or attach additional information). □ I want you to send me the name and address of the original creditor. □ I enclosed or submitted this amount: $ Make your check payable to Osborn Jacobs & Hartung PLC and include your reference number 869756 or scan the QR code to visit our online payment center. Mail this form to: Osborn Jacobs & Hartung PLC 974 - 73rd Street, Suite 20 West Des Moines, IA 50265 CHERYL BAKER 1630 HICKORY RIDGE RD VINITA, OK 74301 Globe Acceptance, Inc. Plaintiff, vs. CHERYL BAKER, Defendant(s). CASE NO.: AFFIDAVIT OF BALANCE DUE VERIFICATION OF ACCOUNT IDENTIFICATION OF JUDGMENT DEBTOR STATE OF Iowa ) COUNTY OF POLK ) ss I, Jenny Monsan, being first duly sworn on oath, depose and state that I am authorized by Globe Acceptance, Inc. to verify the current balance due and owing by persons whose accounts are under my control and supervision; that Globe Acceptance, Inc. is the owner and holder of an account against the above-named Defendant(s); based on the books and records of the Plaintiff there is presently due, owing and unpaid from the Defendant(s) on said account the sum of $4,053.54; that said account is the property of the Plaintiff and remains past due and wholly unpaid; to the best of my knowledge, there has not been a knowing violation of the Consumer Credit Laws regarding this account. I further state that according to the books and records of the Plaintiff the Defendant(s) reside at: CHERYL BAKER 1630 HICKORY RIDGE RD, VINITA OK 74301; that said Defendant(s) are not members of the Military Forces of the United States government, and to the best of my knowledge are not under any legal disability or prisoner in any reformatory or penitentiary. This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. I certify under penalty of perjury that the preceding is true and correct. Signed this 16 day of Feb., 2026 X Jenny Monsan Account No: RETAIL INSTALLMENT SALES CONTRACT - SIMPLE INTEREST BUYER(S) NAME & ADDRESS (Last Name First) CHERYL BAKER 11278 S. 305TH E AVENUE COWETA OK 74429 SELLER/SECURED PARTY OVERDRIVE AUTOMOTIVE CENTER 4004 S MEMORIAL DR TULSA OK, 74145 NUMBER 1434B DATE OF SALE 06/08/2019 DISCLOSURES 1. ANNUAL PERCENTAGE RATE The cost of the credit as a yearly rate. 2. FINANCE CHARGE The dollar amount of the finance charge that will be paid on the sale of the secured property as described below. 3. AMOUNT FINANCED The amount of credit purchased, financed, or charged by Buyer, as determined below. 4. TOTAL PAYMENTS The amount Buyer will have paid after Buyer has made all payments as scheduled. 5. TOTAL SALES PRICE The total cost of the purchase of credit, including Buyer's down payment. <table> <tr> <th></th> <th>ANNUAL PERCENTAGE RATE</th> <th>FINANCE CHARGE</th> <th>AMOUNT FINANCED</th> <th>TOTAL PAYMENTS</th> <th>TOTAL SALES PRICE</th> </tr> <tr> <td></td> <td>18.990</td> <td>$ 5991.36</td> <td>14894.00</td> <td>$ 20875.36</td> <td>21375.36</td> </tr> </table> PAYMENT SCHEDULE WILL BE: <table> <tr> <th>NO. OF REGULAR PAYMENTS</th> <th>REGULAR PAYMENT</th> <th>PAYMENT DUE DATE</th> </tr> <tr> <td>43</td> <td>474.44</td> <td>07/15/19</td> </tr> <tr> <td></td> <td>Final Payment</td> <td>2/15/23</td> </tr> </table> Penalty Clause: If Buyer pays off early, Buyer will not have to pay a penalty. Late Charge: If a payment is late, Buyer will be charged a fee of $22, or 3% of the unpaid amount of the payment, whichever is greater. See Retail Installment Sales Contract, Security Agreement and related current documents for additional information about commitment, default, any required repayment in full before the scheduled date, and presentment, demand and collection. SECURITY/COLLATERAL VENDOR CHECKED apply to this transaction: [ ] The signer(s) of the Security Agreement are giving a security interest in the following property: WOOD, 2013 CHEVROLET EQUINOX VIN: 1GNALFKEFAD5130607 Collateral securing other sales by Seller to Buyer also secures this Contract. Assumption Policy: Statements buying Buyer’s home: may, subject to certain conditions, be allowed to assume the remainder of the mortgage on the original terms. NO amount secured the remainder of the mortgage. Post paid to Cash by Buyer: Filing Fee $0 Total Insurance $0.00 ITEMIZATION OF AMOUNT FINANCED <table> <tr> <th></th> <th></th> <th></th> </tr> <tr> <td>1.</td> <td>CASH PURCHASE (Refunding Amounts, Sales Tax, Service and Service Protection provided by Seller)</td> <td>13700.00</td> </tr> <tr> <td>2.</td> <td>Cash Down Payment</td> <td>500.00</td> </tr> <tr> <td>3.</td> <td>Trade-in allowance</td> <td>0.00</td> </tr> <tr> <td>4.</td> <td>Trade-in allowance</td> <td>0.00</td> </tr> <tr> <td>5.</td> <td>Total Amount Due to Seller from Buyer</td> <td>14200.00</td> </tr> <tr> <td>6.</td> <td>Total Amount Due to Seller from Buyer</td> <td>14894.00</td> </tr> </table> Amount Paid to Others on Buyer’s behalf (Buyer may retain a portion of amounts designated with an asterisk "*") <table> <tr> <th></th> <th></th> </tr> <tr> <td>1.</td> <td>Filing Fee</td> <td>0.00</td> </tr> <tr> <td>2.</td> <td>Licenses, Titles and Registration</td> <td>0.00</td> </tr> <tr> <td>3.</td> <td>Service Contract</td> <td>199.00</td> </tr> <tr> <td>4.</td> <td>GAP Insurance Premium</td> <td>495.00</td> </tr> <tr> <td>5.</td> <td>Total Amount Paid to Others on Behalf of Buyer Paid Out (Subtract #6 from Row #1)</td> <td>694.00</td> </tr> <tr> <td>6.</td> <td>Less Prepaid Finance Charge</td> <td>0.00</td> </tr> </table> CREDITORS/ASSIGNEES GLOBE ACCEPTANCE INC. PO BOX 55400 WEST DES MOINES IA 50265 DISCLAIMER OF WARRANTIES Seller’s oral statements about the property described herein do not constitute warranties. Any representations or warranties made by Buyer to the Seller are prohibited by law. Seller disclaims all expressed and implied warranties (including, without limitation, the implied warranties of MERCHANTABILITY and FITNESS FOR THE PURPOSE). However, if a written warranty is provided to Buyer with this sale or Seller and Buyer enter into a service contract for the property within 30 days after this Contract, we limited warranties of MERCHANTABILITY and FITNESS FOR PARTICULAR PURPOSES are not excluded but shall be limited in duration to the duration of the written warranty. INSURANCE STATEMENT CREDIT, LIFE, ACCIDENT AND HEALTH INSURANCE are not required but either the secured property or the Buyer shall maintain such insurance policies as specified in the Security Agreement. Such insurance policy shall provide at least $[blank] [blank] $10,000 per person dollar limit liability and if Buyer, under Co-Buyer Personal Auto, cover all persons by indicating the type of insurance desired Life Insurance for [ ] Buyer [ ] Co-Buyer Cost...........................................$A/a Accident and Health Insurance for [ ] Buyer [ ] Co-Buyer Cost...........................................$A/a. Buyer [ ] desires insurance checked above [ ] does not desire the insurance Co-Buyer [ ] desires insurance checked above [ ] does not desire the insurance [Signature] Date 06/08/2019 VENDOR’S SINGLE INTEREST, ANOTHER DATE PROPERTY INSURANCE POLICY SUBMITTED TO BUYER'S INSURANCE AGENT BY SELLER FOR THIS TRANSACTION IS NOT YET IN EFFECT. IF THIS POLICY DOES NOT COVER THE ENTIRE PURCHASE PRICE OF THE PURCHASED PROPERTY, ANY ADDITIONAL POLICY(E) MUST ALSO MEET THE FOLLOWING REQUIREMENTS: Property Insurance $A/a Vendor’s Single Interest Insurance $A/a The insurer initially insures the policy owner for rights to subrogation against Buyer. RETAIL INSTALLMENT SALES The undersigned Buyer(s) and all other parties liable hereunder, hereby agree to exclusively protect and Buyer, hereby purchase from Seller the property described herein and agrees to pay Seller all monies due Seller therefor during the term of this Contract. The Annual Percentage Rate on the balance of the Amount Financed at any time remains constant, but so may other charges and terms that affect the Finance Charge. This agreement may not be assigned unless consented to in writing. The undersigned Buyer(s) hereby acknowledges that he/she has received a complete copy of this Contract and the Product Disclosure Statement included herewith. Buyer(s) agree to sign any documents necessary or required by Seller and/or Third-Party Lender to consummate this Contract. Buyer(s) agree to be bound by all terms and conditions contained herein and therein and in any amendments thereto. Buyer(s) acknowledge receipt of notice of assignment of the Contract to Creditors/Assignees identified above. Buyer(s) agree to indemnify and hold harmless Seller and/or any third parties for any claims arising from breach of this Contract. Buyer(s) agree to indemnify and hold harmless Seller and/or any third parties for any claims arising from breach of this Contract. All PARTIES DISCLOSED PRINCIPALLY: All parties liable for payment hereunder must each execute as a principal has and must notify Seller if there is any change in name, address, phone number or if the payment is to go to anyone else. If either party fails to notify Seller of any change, Seller may send payment reminders and notices of default to any other party even if there is a claim raised by either party that notice was not given. This Contract or payment reminder or -notice to any one or more addresses or columns of any renewals, extensions, amendments, releases or assignments shall not discharge Buyer if there is an actual record of mailing or delivery. Buyer(s) understand that all powers made available to Seller under this Contract or any other contract between Seller and Buyer and/or relative thereto may be exercised by the Administrator of the Contract, whether or not such power is specifically specified in this Contract. PREPAYMENT Buyer shall have the right to prepay the Amount Financed without penalty in full or in part at any time provided, however, Buyer must pay all remaining principal amount together with any unpaid Finance Charge and any other sums payable under this Contract. Buyer shall have paid as Seller the Finance Charge in full at least 15 days prior to prepayment date (as evidenced by the signed statement of the Seller's agent). Buyer(s) must notify Seller in writing of any such prepayment or adjustment prior to the payment date. Buyer agrees that any partial payment of the Amount Financed shall be applied first to unpaid Finance Charge and then as a reduction of balance, in whole or partial amounts, as required by Seller, to reduce the principal balance of the secured property. EMERGENCY CHARGES If any payments required by this Contract are not paid in full within 10 days of the due date, the Consumer agrees to pay a fee equal to (i) the lesser of (a) 15% of the unpaid amount of the payment or (ii) to the amount for default set forth by the Seller or Administrator of the Contract. Buyer understands that the interest rate charged under the Contract may be higher than the interest rate charged for an unsecured loan. Buyer agrees that the amount due by each of the Administrator may increase at its discretion from the disclosed rate. COLLECTION COSTS: The Seller may charge and collect from the Buyer the maximum permitted by law for each refusal by a creditor to extend credit, a rejection of a check or other payment order, a request for a withdrawal, or a stop order on account of the buyer. This fee shall be in addition to all other charges or fees. Buyer may change and collect from the Buyer and shall not be subject to refund or rebate. Buyer agrees to pay any and all costs and expenses of collections, whether by agent or otherwise, including reasonable attorney's fees, to the extent permitted by applicable laws. If the creditor files suit to foreclose, the creditor shall be entitled to recover reasonable attorney's fees and costs incurred and paid after default, if allowed by law at the time the Contract is signed. BUYER(S) SIGNATURES The Annual Percentage Rate may be negotiable with the Seller. The Seller may assign this contract and retain its right to receive a part of the Finance Charge. I/WAS agree to terms of this Retail Installment Sales Contract, the Security Agreement, Disclosure Statement and Payment Plan, I/I WAS given a copy of the Disclosure Statement/Products Information Disclosure, I/WAS received a completed copy of the Terms of Sale (screenshoted above), If applicable, the witness form is attached and is complete and correct. [Signature] Date [X] X Globe Acceptance, Inc. Post Office Box 65400 West Des Moines, IA 50265 Phone 515-225-9067 x4 NOTICE OF PLAN TO SELL PROPERTY February 15, 2023 Cheryl Baker 1630 HickoryRidge Rd Vinita, OK 74301 Re: Account No: 2000032410 Dear Cheryl Baker: The 2013 Chevrolet Equinox which is the subject of a retail installment agreement with Overdrive BHPH was repossessed because you did not comply with certain terms of that agreement. It is our intention to file for a repossessed title and sell the vehicle if not redeemed. This letter constitutes your redemption notice and notification of our intent to sell the vehicle. We will sell the vehicle at a private sale sometime after February 25, 2023. A sale could include a lease or license. The money that we receive from the sale, after paying our costs, will reduce the amount you owe. If we receive less than you owe, you will still owe us the difference. If we receive more than you owe, you will get the excess, unless we must pay it to someone else. You can redeem the vehicle at any time before we sell it by paying us the full amount you owe, not just the past due payments, including our expenses. Currently the amount that you must pay is $5,721.37 plus repossession expenses. Redemption payments may only be made by wire transfer. Please call 515-225-9067X4 for the exact amount that you must pay and wiring instructions if you wish to redeem this vehicle. If you want us to explain to you in writing how we have figured the amount that you owe us, please call us at the number above or write us at the above address and request a written explanation. We are sending this notice to the following other people who have an interest in the vehicle or owe money under your agreement: None. Repossessed vehicles are typically stored in secure impound lots which are not open outside of normal week day business hours and the vehicle would need to be collected during those hours in the event of redemption. You will have to present identification and provide the towing and storage agent with a release and hold harmless agreement with respect to the condition of the vehicle. You will have to have a key to the vehicle unless it was previously surrendered to the towing agent. It will not be released to any third party. Some lots will have storage fees relating to the length of time that the vehicle is stored. NOTICE: If you have filed Bankruptcy this is not an attempt to collect. This letter is for informational purposes only. Sincerely, Globe Acceptance Globe Acceptance, Inc. Post Office Box 65400 West Des Moines, IA 50265 515-225-9067x4 Fax 877-684-5845 May 3, 2023 Cheryl Baker 1630 Hickoryridge Rd Vinita, OK 74301 Re: Account Number: 2000032410 Vehicle: 2013 Chevrolet Equinox VIN #: 1GNALFEK4DZ130607 The above referenced motor vehicle securing your contract with us has been sold at auction. There is a deficiency in balance remaining because the amount obtained from the sale of the collateral was insufficient to pay off the entire contract balance plus other legally permissible charges due and owing. The following is an explanation of the disposition of your account after the sale of the vehicle: Unpaid balance on contract prior to sale of vehicle $ 5,068.50 Less sale proceeds -$ 2,600.00 Balance due on contract after deducting sale proceeds $ 2,468.50 Plus retaking, holding, preparing, processing for disposition, sale of vehicle including attorney fees ,if any $ 807.78 Less additional credits including insurance and/or service contract rebates, if any $ 0.00 Plus unpaid interest as of May 3, 2023 $ 888.54 Deficiency balance still due $ 4,164.82 This letter constitutes our Final Demand for payment of the deficiency balance due. You may elect to avert legal action by paying the deficiency in full within ten (10) days of the date of this letter in the form of a cashier's check mailed directly to the address above. In the event that you are unable to pay the deficiency in full, please contact us immediately in order that we might attempt to arrange for a mutually acceptable repayment schedule. If we do not receive payment or if you fail to contact us, we will proceed with further collection efforts. NOTICE: If you have filed Bankruptcy this is not an attempt to collect. This letter is for informational purposes only. Sincerely, Collections Department Account Ledger Globe Acceptance Branch 9 - OVERDRIVE-BH/PH Class 39 - OKLAHOMA AUTO Portfolio Original Balance $14,894.00 Payment $474.44 Over/Short $0.00 Original Term 44 Current Term 13 # Extensions 2 # Late Fees Prints Made 5/1/11 36/60/90 Admin Internal Dealer Opened Entered Activated First Due Next Due Last Paid Pmt Frequency Monthly References Contract AC - Active Charge Off Charged Off M564 - Overdue BHPH 6/8/19 Rate 6/12/19 APR 6/12/19 $18,998 % Current Balance $18,998 % Late Fees Other Bal Fees $390.00 Sub Accounts Total balance $3,028.78 Past Due $4,053.54 Accrued Interest $6,797.12 Paid Interest $5,772.36 Unpaid Interest $1,024.76 Payoff Balances $4,053.54 Total Paid $18,265.08 Principal Paid $12,255.22 <table> <tr> <th>Primary</th> <th>Baker, Cheryl</th> <th>Customers</th> </tr> <tr> <th>First/Last</th> <th></th> <th></th> </tr> <tr> <td>BAKER, CHERYL</td> <td></td> <td></td> </tr> <tr> <th>SSN</th> <th></th> <th></th> </tr> <tr> <td>****-**-5589</td> <td></td> <td></td> </tr> <tr> <th>Sex</th> <th>Female</th> <th></th> </tr> <tr> <td>Address Line 1</td> <td>1630 HICKORY RIDGE RD</td> <td></td> </tr> <tr> <th>Language</th> <th>English</th> <th></th> </tr> <tr> <th>Dependents</th> <th>0</th> <th></th> </tr> <tr> <th>Address Line 2</th> <td colspan="2"></td> </tr> <tr> <th>Home Owner</th> <th>No</th> <th></th> </tr> <tr> <th>Marital Status</th> <th>Single</th> <th></th> </tr> <tr> <th>City</th> <th>VINITA</th> <th></th> </tr> <tr> <th>State</th> <th>OK</th> <th></th> </tr> <tr> <th>Zip</th> <th>74301</th> <th></th> </tr> <tr> <th>Email Address</th> <th>[email protected]</th> <th></th> </tr> <tr> <th>Number</th> <th>(918) 802-3885</th> <th></th> </tr> <tr> <th>Type</th> <th>Primary Home</th> <th></th> </tr> <tr> <th></th> <th></th> <th>Yes</th> </tr> </table> Account Ledger Globe Acceptance (918) 486-3494 NLE Occupation MANAGER Work No Employer BROKEN ARROW PET RESORT Salary $3,457.00 Frequency Monthly Start Date Dec 2016 Phone (918) 486-3494 <table> <tr> <th>Trans</th> <th>Effective</th> <th>Type</th> <th>Code</th> <th>Funds</th> <th>Check / Ecol. No.</th> <th>Trans Amount</th> <th>Principal Amount</th> <th>Balance</th> <th>Reversal Type</th> <th>Next Date</th> <th>User</th> <th>Comments</th> </tr> <tr> <td>59</td> <td>2/17/23</td> <td>Misc Adjustment</td> <td>COLL-FEE</td> <td></td> <td></td> <td>$390.00</td> <td>$4,821.00</td> <td></td> <td>Entered</td> <td>2/17/23</td> <td>0002zlg</td> <td>OBJ</td> </tr> </table> <table> <tr> <th>Trans</th> <th>Effective</th> <th>Type</th> <th>Code</th> <th>Funds</th> <th>Check / Ecol. No.</th> <th>Trans Amount</th> <th>Principal Amount</th> <th>Balance</th> <th>Reversal Type</th> <th>Next Date</th> <th>User</th> <th>Comments</th> </tr> <tr> <td>1</td> <td>6/8/19</td> <td>Opening Transaction</td> <td>OPEN</td> <td></td> <td></td> <td>$14,854.00</td> <td></td> <td>$14,854.00</td> <td></td> <td>7/15/19</td> <td></td> <td>6/12/19</td> </tr> <tr> <td>2</td> <td>7/8/19</td> <td>Payment</td> <td>PV-PYCC</td> <td>Payment Vision CC</td> <td>PVA:3838</td> <td>-$474.44</td> <td>-$474.44</td> <td>$14,652.06</td> <td></td> <td>8/15/19</td> <td></td> <td>7/8/19 e-pmt 7/8/2019 6:17:23 AM</td> </tr> <tr> <td>3</td> <td>8/8/19</td> <td>Payment</td> <td>PV-PYCC</td> <td>Payment Vision CC</td> <td>PVA:3838</td> <td>-$232.50</td> <td>-$232.50</td> <td>$14,413.84</td> <td></td> <td>9/15/19</td> <td></td> <td>8/8/19 e-pmt 8/8/2019 6:48:20 AM</td> </tr> <tr> <td>4</td> <td>9/7/19</td> <td>Payment</td> <td>PV-PYCC</td> <td>Payment Vision CC</td> <td>PVA:3838</td> <td>-$474.44</td> <td>-$474.44</td> <td>$14,179.40</td> <td></td> <td>10/15/19</td> <td></td> <td>9/7/19 e-pmt 9/7/2019 6:37:42 AM</td> </tr> <tr> <td>5</td> <td>10/8/19</td> <td>Payment</td> <td>PV-PYCC</td> <td>Payment Vision CC</td> <td>PVA:3838</td> <td>-$234.44</td> <td>-$234.44</td> <td>$13,948.96</td> <td></td> <td>11/15/19</td> <td></td> <td>10/8/19 e-pmt 10/8/2019 7:04:06 AM</td> </tr> </table> <table> <tr> <th>Trans Effective</th> <th>Type</th> <th>Code</th> <th>Funds</th> <th>Check / Elec. No.</th> <th>Trans Amount</th> <th>Principal Amount</th> <th>Balance</th> <th>Reversal Type</th> <th>Next Due Date</th> <th>Entered Type</th> <th>Comments</th> </tr> <tr> <td>6</td> <td>11/8/19 Payment</td> <td>PV-PYCC</td> <td>Vision CC</td> <td>TX201911108<br>00105056<br>PVA.3838</td> <td>$ 214.02</td> <td>-$ 474.44</td> <td>-$ 250.00</td> <td>-$ 1,658.98</td> <td>12/15/19</td> <td>e-pmt</td> <td>11/8/2019 6:37:03 AM</td> </tr> <tr> <td>7</td> <td>12/9/19 Payment</td> <td>PV-PYCC</td> <td>Vision CC</td> <td>TX20191209<br>00093533<br>PVA.3838</td> <td>$ 242.44</td> <td>-$ 474.44</td> <td>-$ 254.03</td> <td>-$ 1,414.95</td> <td>1/15/20</td> <td>e-pmt</td> <td>12/9/2019 6:43:15 AM</td> </tr> <tr> <td>8</td> <td>1/8/20 Payment</td> <td>PV-PYCC</td> <td>Vision CC</td> <td>TX20200108<br>00119070<br>PVA.3838</td> <td>$ 220.41</td> <td>-$ 474.44</td> <td>-$ 265.04</td> <td>-$ 1,149.91</td> <td>2/15/20</td> <td>e-pmt</td> <td>1/8/20 7:13:01 AM</td> </tr> <tr> <td>9</td> <td>2/10/20 Misc Adjustment</td> <td>CONFEE</td> <td></td> <td></td> <td>$ 5.00</td> <td></td> <td>$ 13,149.91</td> <td></td> <td>2/15/20</td> <td>PV Fee</td> <td>2/10/2020</td> </tr> <tr> <td>10</td> <td>2/10/20 Payment</td> <td>PVGT</td> <td>Vision CC</td> <td>TX20200210<br>0010745<br>PVA.3838</td> <td>$ 437.72</td> <td>-$ 474.44</td> <td>-$ 243.72</td> <td>$ 12,906.19</td> <td>3/15/20</td> <td>e-pmt</td> <td>2/10/2020 7:32:30 AM</td> </tr> <tr> <td>11</td> <td>3/19/20 Payment</td> <td>PV-PYCC</td> <td>Vision CC</td> <td>TX20200309<br>00095525<br>PVA.3838</td> <td>$ 5.00</td> <td>-$ 474.44</td> <td>-$ 289.56</td> <td>$ 12,619.63</td> <td>4/15/20</td> <td>e-pmt</td> <td>3/9/2020 6:59:06 AM</td> </tr> <tr> <td>12</td> <td>4/18/20 Payment</td> <td>PV-PYCC</td> <td>Vision CC</td> <td>TX20200408<br>00141333<br>PVA.3838</td> <td>$ 187.88</td> <td>-$ 474.44</td> <td>-$ 277.54</td> <td>$ 12,342.29</td> <td>5/15/20</td> <td>e-pmt</td> <td>4/8/2020 7:51:08 AM</td> </tr> <tr> <td>13</td> <td>5/8/20 Payment</td> <td>PV-PYCC</td> <td>Vision CC</td> <td>TX20200508<br>00138151<br>PVA.3838</td> <td>$ 197.10</td> <td>-$ 474.44</td> <td>-$ 281.84</td> <td>$ 12,060.45</td> <td>6/15/20</td> <td>e-pmt</td> <td>5/8/2020 7:04:39 AM</td> </tr> </table> Trans Effective Type Code Funds Check / Trans Amount Principal Amount Transactions Balance Reversal Type Next Due Days Past Due Days Entered Comments 14 6/8/20 Payment PV-PYCC Payment TC002000608 Vision CC 00079687 PVA:38338 -$474.44 -$280.07 $11,760.38 7/15/20 6/8/20 e-pmt 6/8/2020 7:33:19 AM INT $194.37 15 7/8/20 Payment PV-PYCC Payment TC002007008 Vision CC 00130329 PVA:38338 -$474.44 -$290.54 $11,489.84 8/15/20 7/8/20 e-pmt 7/8/2020 6:48:34 AM INT 16 8/8/20 Payment PV-PYCC Payment TC002008008 Vision CC 00124300 PVA:38338 -$474.44 -$289.05 $11,200.78 9/15/20 8/8/20 e-pmt 8/8/2020 8:02:17 AM INT $185.38 17 9/18/20 Payment PV-PYCC Payment TC002009008 Vision CC 00036166 PVA:38338 -$474.44 -$293.71 $10,907.07 10/15/20 9/18/20 e-pmt 9/18/2020 6:53:46 AM INT 18 10/18/20 Payment PV-PYCC Payment TC002010008 Vision CC 00039230 PVA:38338 -$474.44 -$304.34 $10,602.73 11/15/20 10/18/20 e-pmt 10/18/2020 7:00:48 AM INT 19 11/18/20 Payment PV-PYCC Payment TC00201109 Vision CC 00070553 PVA:38338 -$474.44 -$297.80 $10,304.93 12/15/20 11/18/20 e-pmt 11/19/2020 7:04:12 AM INT $176.64 $176.64 20 12/18/20 Payment PV-PYCC Payment TC002012008 Vision CC 00070589 PVA:35123 -$474.44 -$319.00 $9,985.93 1/15/21 12/18/20 e-pmt 12/18/2020 6:51:06 AM INT $155.44 21 1/18/21 Payment PV-PYCC Payment TC00210108 Vision CC 00025279 PVA:35123 -$474.44 -$313.24 $9,672.69 2/15/21 1/18/21 e-pmt 1/18/2021 7:17:46 AM INT $161.20 Trans Effective Type Code Fund Check / Eft. # Trans Amount Principal Amount Transactions Reversal Balance Type Next Due Date Entered Comments 22 2/5/21 Payment CEXT Payment TX20310205 $140.84 $0.00 $9,672.69 3/15/21 2/5/21 0156408 Vision CC PVAY1761 INT $140.84 23 3/8/21 Payment PV-PYCC Payment TX20310308 -$474.44 -$318.51 $9,354.18 4/15/21 3/18/21 e-pmt 3/8/2021 7:01:43 AM PV007784 Vision CC PVA5123 INT $155.93 24 4/8/21 Payment PV-PYCC Payment TX20310408 -$474.44 -$323.47 $9,130.71 5/15/21 4/8/21 e-pmt 4/8/2021 7:01:19 AM 00608600 Vision CC PVA5123 INT $150.97 25 5/8/21 Payment PV-PYCC Payment TX20310508 -$474.44 -$335.44 $8,597.27 6/15/21 5/8/21 e-pmt 5/8/2021 7:56:57 AM 001592 Vision CC PVA5123 INT $141.00 26 6/8/21 Payment PV-PYCC Payment TX20310608 -$474.44 -$334.32 $8,262.95 7/15/21 6/8/21 e-pmt 6/8/2021 7:02:58 AM 00606110 Vision CC PVA5123 INT $140.12 27 7/9/21 Payment PNOT Payment TX20210709 -$479.44 -$344.59 $6,018.36 8/15/21 7/9/21 e-pmt 7/9/2021 11:49:33 AM 0071579 Vision CC PVA4994 INT $134.85 $22.50 $5.00 28 8/25/21 Late Fee LTC $22.50 $8,018.36 8/15/21 Print Due 8/15/2021 29 9/20/21 Misc CONFEE $5.00 $8,018.36 8/15/21 PV Fee 9/20/2021 Adjustment 30 9/20/21 Payment PNOT Payment TX20210920 -$501.94 -$170.03 $7,848.33 9/15/21 9/20/21 e-pmt 9/20/2021 13:53:35 AM 0042525 Vision CC PVA3838 LTC $22.50 CONFEE $5.00 INT $304.41 <table> <tr> <th>Trans Effective</th> <th>Type</th> <th>Code</th> <th>Funds</th> <th>Check / Elect. No.</th> <th>Trans Amount</th> <th>Principal Amount</th> <th>Balance</th> <th>Reversal Type</th> <th>Next Due Days Past Due</th> <th>Days Entered</th> <th>Comments</th> </tr> <tr> <td>31</td> <td>9/25/21</td> <td>Late Fee</td> <td>LTC</td> <td></td> <td>$22.50</td> <td></td> <td>$7,848.33</td> <td></td> <td>9/15/21</td> <td>9/25/21</td> <td>Pmt Due 9/15/2021</td> </tr> <tr> <td>32</td> <td>10/15/21</td> <td>Misc</td> <td>CONFEE</td> <td></td> <td>$5.00</td> <td></td> <td>$7,848.33</td> <td></td> <td>9/15/21</td> <td>30/16/21</td> <td>PV Fee 10/16/2021</td> </tr> <tr> <td>33</td> <td>10/16/21</td> <td>Payment</td> <td>PVOT</td> <td>TX20211016<br>00265191<br>PVA:3838</td> <td>-$501.94<br>-$368.36</td> <td></td> <td>$7,479.97</td> <td></td> <td>10/45/21</td> <td>31</td> <td>e-pmt 10/16/2021 9:57:44 AM<br>Pmt Due 9/15/2021</td> </tr> <tr> <td></td> <td></td> <td>LTC</td> <td></td> <td></td> <td>$22.50</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td>PV Fee 10/16/2021</td> </tr> <tr> <td></td> <td></td> <td>CONFEE</td> <td></td> <td></td> <td>$5.00</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td></td> <td></td> <td>INT</td> <td></td> <td></td> <td>$106.08</td> <td></td> <td></td> <td></td> <td>10/15/21</td> <td>10/25/21</td> <td>Pmt Due 10/15/2021</td> </tr> <tr> <td>34</td> <td>10/25/21</td> <td>Late Fee</td> <td>LTC</td> <td></td> <td>$22.50</td> <td></td> <td>$7,479.97</td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td></td> <td></td> <td>CONFEE</td> <td></td> <td></td> <td>$5.00</td> <td></td> <td></td> <td></td> <td>10/15/21</td> <td>11/12/21</td> <td>PV Fee 11/12/2021</td> </tr> <tr> <td>35</td> <td>11/12/21</td> <td>Misc</td> <td>CONFEE</td> <td></td> <td></td> <td></td> <td>$7,479.97</td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td>36</td> <td>11/12/21</td> <td>Payment</td> <td>PVOT</td> <td>TX20211112<br>00294832<br>PVA:3838</td> <td>-$369.41<br>-$501.94</td> <td></td> <td>$7,110.56</td> <td></td> <td>11/15/21</td> <td>28</td> <td>e-pmt 11/12/2021 12:21:12 PM<br>Pmt Due 11/12/2021</td> </tr> <tr> <td></td> <td></td> <td>LTC</td> <td></td> <td></td> <td>$22.50</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td>PV Fee 11/12/2021</td> </tr> <tr> <td></td> <td></td> <td>CONFEE</td> <td></td> <td></td> <td>$5.00</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td></td> <td></td> <td>INT</td> <td></td> <td></td> <td>$105.03</td> <td></td> <td>$7,110.56</td> <td></td> <td>11/15/21</td> <td>11/25/21</td> <td>Pmt Due 11/15/2021</td> </tr> <tr> <td>37</td> <td>11/25/21</td> <td>Late Fee</td> <td>LTC</td> <td></td> <td>$22.50</td> <td></td> <td>$7,110.56</td> <td></td> <td>11/15/21</td> <td>12/18/21</td> <td>PV Fee 12/18/2021</td> </tr> <tr> <td></td> <td></td> <td>CONFEE</td> <td></td> <td></td> <td>$5.00</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td>38</td> <td>12/18/21</td> <td>Adjustment</td> <td>CONFEE</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td>12/15/21</td> <td>33</td> <td>e-pmt 12/18/2021 11:21:20 AM</td> </tr> <tr> <td>39</td> <td>12/18/21</td> <td>Payment</td> <td>PVOT</td> <td>TX20211218<br>00298852<br>PVA:3838</td> <td>-$501.94<br>-$341.24</td> <td></td> <td>$6,769.32</td> <td></td> <td>12/15/21</td> <td>12/25/21</td> <td>Pmt Due 12/15/2021</td> </tr> <tr> <td></td> <td></td> <td>LTC</td> <td></td> <td></td> <td>$22.50</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td>PV Fee 12/18/2021</td> </tr> <tr> <td></td> <td></td> <td>CONFEE</td> <td></td> <td></td> <td>$5.00</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td></td> <td></td> <td>INT</td> <td></td> <td></td> <td>$133.20</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td>40</td> <td>12/25/21</td> <td>Late Fee</td> <td>LTC</td> <td></td> <td>$22.50</td> <td></td> <td>$6,769.32</td> <td></td> <td>12/15/21</td> <td>12/25/21</td> <td>Pmt Due 12/15/2021</td> </tr> <tr> <td>41</td> <td>12/25/21</td> <td>Late Fee</td> <td>LTC</td> <td></td> <td>$22.50</td> <td></td> <td>$6,769.32</td> <td></td> <td>12/15/21</td> <td>12/25/21</td> <td>Pmt Due 12/15/2022</td> </tr> <tr> <td>42</td> <td>2/1/22</td> <td>Misc</td> <td>CONFEE</td> <td></td> <td>$5.00</td> <td></td> <td>$6,769.32</td> <td></td> <td>12/15/21</td> <td>2/1/22</td> <td>PV Fee 2/1/2022</td> </tr> </table> <table> <tr> <th>Trans</th> <th>Effective</th> <th>Type</th> <th>Code</th> <th>Funds</th> <th>Check / Elec No.</th> <th>Trans Amount</th> <th>Principal Amount</th> <th>Balance</th> <th>Reversal Type</th> <th>Next Due Date</th> <th>Entered Due Date</th> <th>Comments</th> </tr> <tr> <td>43</td> <td>2/1/22</td> <td>Payment</td> <td>PVOT</td> <td>TX20220201</td> <td>Vision CC<br>0082961<br>PVA:2973</td> <td>$ 479.44</td> <td>-$ 277.04</td> <td>$ 6,498.28</td> <td></td> <td>1/15/22</td> <td>48<br>2/1/22</td> <td>e-pmt 2/1/2022 1:18:49 PM<br>Pmt Due 1/15/2021<br>Pmt Due 1/15/2022<br>PV Fee 2/1/2022</td> </tr> <tr> <td></td> <td></td> <td></td> <td>LTC</td> <td></td> <td></td> <td>$ 22.50</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td>Pmt Due 2/15/2022</td> </tr> <tr> <td></td> <td></td> <td></td> <td>LTC</td> <td></td> <td></td> <td>$ 22.50</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td>Pmt Due 2/15/2022</td> </tr> <tr> <td></td> <td></td> <td></td> <td>CONFEE</td> <td></td> <td></td> <td>$ 5.00</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td>Pmt Due 2/15/2022</td> </tr> <tr> <td>44</td> <td>2/25/22</td> <td>Late Fee</td> <td>LTC</td> <td></td> <td></td> <td>$ 158.40</td> <td></td> <td>$ 5,489.48</td> <td></td> <td>1/15/22</td> <td>2/25/22</td> <td>Pmt Due 2/15/2022</td> </tr> <tr> <td></td> <td></td> <td></td> <td>INT</td> <td></td> <td></td> <td>$ 22.50</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td>Pmt Due 2/15/2022</td> </tr> <tr> <td>45</td> <td>3/7/22</td> <td>Payment</td> <td>PVC</td> <td>TX20220307</td> <td>Vision CC<br>0032434<br>PVA:3838</td> <td>-$ 1,016.38</td> <td>-$ 878.96</td> <td>$ 5,619.32</td> <td></td> <td>3/15/22</td> <td>51<br>3/7/22</td> <td>Pmt Due 3/15/2022<br>Pmt Due 4/15/2022<br>PV Fee 5/14/2022</td> </tr> <tr> <td></td> <td></td> <td></td> <td>LTC</td> <td></td> <td></td> <td>$ 22.50</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td>Pmt Due 2/15/2022</td> </tr> <tr> <td></td> <td></td> <td></td> <td>INT</td> <td></td> <td></td> <td>$ 114.92</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td>Pmt Due 2/15/2022</td> </tr> <tr> <td></td> <td></td> <td></td> <td>LTC</td> <td></td> <td></td> <td>$ 22.50</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td>Pmt Due 2/15/2022</td> </tr> <tr> <td></td> <td></td> <td></td> <td>LTC</td> <td></td> <td></td> <td>$ 22.50</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td>Pmt Due 2/15/2022</td> </tr> <tr> <td></td> <td></td> <td></td> <td>LTC</td> <td></td> <td></td> <td>$ 22.50</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td>Pmt Due 2/15/2022</td> </tr> <tr> <td>46</td> <td>3/25/22</td> <td>Labs Fee</td> <td>LTC</td> <td></td> <td></td> <td>$ 5,619.32</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td>Pmt Due 3/15/2022</td> </tr> <tr> <td>47</td> <td>4/25/22</td> <td>Late Fee</td> <td>LTC</td> <td></td> <td></td> <td>$ 5,619.32</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td>Pmt Due 4/15/2022</td> </tr> <tr> <td>48</td> <td>5/14/22</td> <td>Misc.</td> <td>CONFEE</td> <td></td> <td></td> <td>$ 5.00</td> <td></td> <td>$ 5,619.32</td> <td></td> <td>3/15/22</td> <td>5/14/22</td> <td>PV Fee 5/14/2022</td> </tr> <tr> <td>49</td> <td>5/14/22</td> <td>Adjustment</td> <td>LTC</td> <td></td> <td></td> <td>$ 196.56</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> </tr> <tr> <td>50</td> <td>5/14/22</td> <td>Payment</td> <td>CEXT</td> <td>TX20220514</td> <td>Vision CC<br>00207867<br>PVA:3838</td> <td>-$ 48.00</td> <td>-$ 750.32</td> <td>$ 4,868.00</td> <td></td> <td>5/15/22</td> <td>60<br>5/14/22</td> <td>e-pmt 5/14/2022 8:49:22 AM<br>Pmt Due 5/14/2022</td> </tr> <tr> <td></td> <td></td> <td></td> <td>LTC</td> <td></td> <td></td> <td>$ 22.50</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td>Pmt Due 6/15/2022</td> </tr> <tr> <td></td> <td></td> <td></td> <td>LTC</td> <td></td> <td></td> <td>$ 22.50</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td>Pmt Due 6/15/2022</td> </tr> <tr> <td></td> <td></td> <td></td> <td>CONFE</td> <td></td> <td></td> <td>$ 5.00</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td>Pmt Due 6/15/2022</td> </tr> <tr> <td></td> <td></td> <td></td> <td>INT</td> <td></td> <td></td> <td>$ 196.56</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td>Pmt Due 6/15/2022</td> </tr> <tr> <td></td> <td></td> <td></td> <td>Payment</td> <td>PVOT</td> <td>Vision CC<br>00324551<br>PVA:3838</td> <td>-$ 48.00</td> <td>-$ 48.00</td> <td>$ 4,821.00</td> <td></td> <td>6/15/22</td> <td>6/15/22</td> <td>e-pmt 5/14/2022 8:50:55 AM</td> </tr> <tr> <td>51</td> <td>6/2/22</td> <td>Late Fee</td> <td>LTC</td> <td></td> <td></td> <td>$ 0.00</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td>Reversed 6/15/22</td> </tr> <tr> <td>52</td> <td>7/7/22</td> <td>Late Fee</td> <td>LTC</td> <td></td> <td></td> <td>$ 0.00</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td>Reversed 7/7/22</td> </tr> <tr> <td>53</td> <td>8/2/22</td> <td>Late Fee</td> <td>LTC</td> <td></td> <td></td> <td>$ 0.00</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td>Reversed 8/15/22</td> </tr> <tr> <td>54</td> <td>9/25/22</td> <td>Late Fee</td> <td>LTC</td> <td></td> <td></td> <td>$ 0.00</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td>Reversed 9/25/22</td> </tr> </table> <table> <tr> <th>Trans</th> <th>Effective</th> <th>Type</th> <th>Code</th> <th>Funds</th> <th>Check / Elect No.</th> <th>Trans Amount</th> <th>Principal Amount</th> <th>Balance</th> <th>Reversal Type</th> <th>Next Due Date</th> <th>Days Past Due</th> <th>Entered</th> <th>Comments</th> </tr> <tr> <td>55</td> <td>10/24/22</td> <td>Late Fee</td> <td>LTC</td> <td></td> <td></td> <td>$ 0.00</td> <td></td> <td>$ 4,821.00</td> <td>Reversed</td> <td>6/15/22</td> <td></td> <td></td> <td>Pmt. Due 10/15/2022</td> </tr> <tr> <td>56</td> <td>11/25/22</td> <td>Late Fee</td> <td>LTC</td> <td></td> <td></td> <td>$ 0.00</td> <td></td> <td>$ 4,821.00</td> <td>Reversed</td> <td>6/15/22</td> <td></td> <td></td> <td>Pmt Due 11/15/2022</td> </tr> <tr> <td>57</td> <td>12/25/22</td> <td>Late Fee</td> <td>LTC</td> <td></td> <td></td> <td>$ 0.00</td> <td></td> <td>$ 4,821.00</td> <td>Reversed</td> <td>6/15/22</td> <td></td> <td></td> <td>Pmt. Due 12/15/2022</td> </tr> <tr> <td>58</td> <td>1/25/23</td> <td>Late Fee</td> <td>LTC</td> <td></td> <td></td> <td>$ 0.00</td> <td></td> <td>$ 4,821.00</td> <td>Reversed</td> <td>6/15/22</td> <td></td> <td></td> <td>Pmt. Due 1/15/2023</td> </tr> <tr> <td>59</td> <td>2/17/23</td> <td>Misc</td> <td>COLL-FEE</td> <td></td> <td></td> <td>$ 390.00</td> <td></td> <td>$ 4,821.00</td> <td>6/15/22</td> <td></td> <td></td> <td></td> <td>OBI</td> </tr> <tr> <td>60</td> <td>2/25/23</td> <td>Late Fee</td> <td>LTC</td> <td></td> <td></td> <td>$ 0.00</td> <td></td> <td>$ 4,821.00</td> <td>Reversed</td> <td>6/15/22</td> <td></td> <td></td> <td>Pmt. Due 2/15/2023</td> </tr> <tr> <td>61</td> <td>3/25/23</td> <td>Late Fee</td> <td>LTC</td> <td></td> <td></td> <td>$ 0.00</td> <td></td> <td>$ 4,821.00</td> <td>Reversed</td> <td>6/15/22</td> <td></td> <td></td> <td>Pmt. Due 3/15/2023</td> </tr> <tr> <td>62</td> <td>4/25/23</td> <td>Late Fee</td> <td>LTC</td> <td></td> <td></td> <td>$ 0.00</td> <td></td> <td>$ 4,821.00</td> <td>Reversed</td> <td>6/15/22</td> <td></td> <td></td> <td>Pmt. Due 4/15/2023</td> </tr> <tr> <td>63</td> <td>5/3/23</td> <td>Payment</td> <td>PYSS</td> <td></td> <td>Check 100481</td> <td>- $2,182.22</td> <td>-$2,182.22</td> <td>$ 2,638.78</td> <td>6/15/22</td> <td>322</td> <td></td> <td></td> <td>Z66</td> </tr> <tr> <td>64</td> <td>5/31/23</td> <td>Set Unpaid Interest</td> <td></td> <td></td> <td></td> <td></td> <td></td> <td></td> <td>6/15/22</td> <td>5/31/23</td> <td></td> <td></td> <td>Charge Off Adj., ($326.90)</td> </tr> <tr> <td>65</td> <td>5/31/23</td> <td>Charge Off Transaction</td> <td>CO</td> <td></td> <td></td> <td></td> <td></td> <td>$2,638.78</td> <td>6/15/22</td> <td>5/31/23</td> <td></td> <td></td> <td>Charge Off</td> </tr> </table> Account Ledger Globe Acceptance
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