Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:07/18/2022

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been paying for car shield so that when my car breaks down they will help repair it. My jeep was in the shop for repairs and they said they will not cover it due to the jeep being altered. I bought the jeep in the same way as it sat when I purchased the warranty and they are refusing to cover the repair due to it being "altered". After paying for the repair myself and contacting the company they refuse to refund my policy. I asked to speak to a supervisor and Ricky stated there are none to speak to, he stopped my policy but stated he can't give a refund of approximately $1,650.00 that I havr paid to them for over a year.

  

  Business Response

  Date: 07/22/2022

  Thank you for bringing this to our attention.
  

  As noted on the first three pages of your contract, ******** **** ****** (***) is the administrator of your vehicle service contract and has FULL authority over repair procedures, approvals, denials and payments.  We have contacted them to obtain information on the repair claim you have referenced. ******** **** ****** has recommended a reimbursement for the out of pocket costs of the repair minus the deductible upon execution of a Settlement and Release Agreement. Please email ****************** to confirm the refund and cancellation as well send a copy of the paid invoice. Once we receive the email, we will draft the Agreement and email it to you for your review and signature.  Please make sure to include your name and contract number (**********) in the subject line for faster processing.

  Customer Relations

  CarShield is here to address your concerns. CarShield is suing the BBB-St. Louis. CarShield recently filed a lawsuit against the BBB-St. Louis. The lawsuit asserts that the BBB- St. Louis is biased against CarShield and that the BBB-St. Louis has used improper means through the use of misrepresentation relating to CarShield.  A copy of the lawsuit is available at http://www.BBBBias.com

• Initial Complaint

  Date:07/18/2022

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been paying this company for 6 years for an extended auto warranty. I have tried to take my vehicle for a repair to every shop I can in my area, but none of them will take this policy. I have called this company to get a list of repair shops in my area, and they can not find an authorized shop near me. I have been paying all this money year after year for a policy that is useless.

  

  Business Response

  Date: 07/21/2022

  Thank you for bringing this to our attention.
  

  As noted on the first three pages of your contract, ******** **** ****** (***) is the administrator of your vehicle service contract and has FULL authority over repair procedures, approvals, denials and payments.  We have contacted them to obtain information on the repair claim you have referenced. *** has no inquiries since a single claim in November of 2020.  There are no pre-claims either.  ***' preferred vendor network shows 13 facilities in the immediate area. Please reach out to *** if you would like them to provide a list of local repair facilities. 

  As an alternative to locating a repair facility, CarShield offers a refund of 4 monthly payments upon execution of a Settlement and Release Agreement. Please email ****************** to confirm the cancellation and refund. Once we receive the email, we will draft the Agreement and email it to you for your review and signature.  Please make sure to include your name and contract number (*********) in the subject line for faster processing.

  Customer Relations

  CarShield is here to address your concerns. CarShield is suing the BBB-St. Louis. CarShield recently filed a lawsuit against the BBB-St. Louis. The lawsuit asserts that the BBB- St. Louis is biased against CarShield and that the BBB-St. Louis has used improper means through the use of misrepresentation relating to CarShield.  A copy of the lawsuit is available at http://www.BBBBias.com

• Initial Complaint

  Date:07/18/2022

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I can't get them to call me. They have my car and they have had it for three weeks. It is at a dealership in Monticello, IN. It went in for a transmission. This is the second time they have done this to me.

  

  Business Response

  Date: 07/21/2022

  Thank you for bringing this to our attention.
  

  As noted on the first three pages of your contract, ******** **** ****** (***) is the administrator of your vehicle service contract and has FULL authority over repair procedures, approvals, denials and payments.  We have contacted them to obtain information on the repair claim you have referenced. *** advised they will be handling this immediately in an escalated manner. ******** **** ****** can be reached at ###-###-#### if you wish to contact them in regards to the status of your claim.

  Customer Relations

  CarShield is here to address your concerns. CarShield is suing the BBB-St. Louis. CarShield recently filed a lawsuit against the BBB-St. Louis. The lawsuit asserts that the BBB- St. Louis is biased against CarShield and that the BBB-St. Louis has used improper means through the use of misrepresentation relating to CarShield.  A copy of the lawsuit is available at http://www.BBBBias.com

   

   

• Initial Complaint

  Date:07/18/2022

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had this policy for 3 months before i had a mechanical issue. I had to take my vehicle to a local shop, and to file a repair claim under this policy. They gave me and the repair shop a huge run around. They told my mechanic they approved the repair, then would deny it. After all the runaround and confusion this company caused, they ended up not approving any of the repairs, I was promised they would cover.

  

  Business Response

  Date: 07/20/2022

  Thank you for bringing this to our attention.
  

  As noted on the first three pages of your contract, ******************** (AAS) is the administrator of your vehicle service contract and has FULL authority over repair procedures,approvals, denials and payments. Your claim was reviewed by the Legal Claims Director for AAS, an ASE-Certified Master Mechanic, who determined the claim had been adjudicated correctly and in accordance with the terms of the contract. Your repair facility called in a  claim for spark plugs, brake job, PCV valve, long term engine oil leaks, suspension issues and a bad window regulator.  The vehicle was inspected, although a lot of this was not covered/maintenance, the leaks are clearly pre-existing and the power window motor issue was the only thing that could have been a failure in coverage.  If you have any further disputes or questions regarding your repair claim decision, please contact AAS directly at ************, or see Section ** ******* Resolutions, of your contract.

  As a resolution, CarShield will refund your payments in full upon execution of a Settlement and Release Agreement. Please email ******************************* to confirm the cancellation and refund. Once we receive the email, we will draft the Agreement and email it to you for your review and signature.  Please make sure to include your name and contract number (MRF4068826) in the subject line for faster processing.

  Customer Relations

  ********************** is here to address your concerns. CarShield is suing the BBB-*********.CarShield recently filed a lawsuit against the BBB-*********. The lawsuit asserts that the BBB- ********* is biased against CarShield and that the BBB-********* has used improper means through the use of misrepresentation relating to CarShield.  A copy of the lawsuit is available at http://www.BBBBias.com

  Customer Answer

  Date: 07/20/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *********************

• Initial Complaint

  Date:07/18/2022

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I started a contract with Cashield on 10/15/2021 and have been paying $95.39 a month since. Took my vehicle to the dealership to get repairs about 7 weeks ago and never heard anything from either of them until I called to check on my claim. That's when the receptionist told me that my claim was denied without no formal letter, phone call, email or explaination or anything. This is why I am making a formal dispute of their decision because this is violation of my contract with them. Everything they told me initially they went totally against and didn't hold up their end of the contract thinking that I was going to except whatever they said. That I why I am seeking your proffesional help. Thank you.

  

  Business Response

  Date: 07/25/2022

  Thank you for bringing this to our attention.

  As noted on the first three pages of your contract, ******** **** ****** (***) is the administrator of your vehicle service contract and has FULL authority over repair procedures, approvals, denials and payments.  We have contacted them to obtain information on the repair claim you have referenced. Your claim was called in on 5/25/2022. The assigned adjuster got into the claim that day and spoke with the repair facility who indicated possible head gasket failure. A compression and leak down test was requested. The Adjuster reached out to your repair facility multiple times following that and was either unable to get through or was informed the additional diagnostics were not completed. This went on until 6/15 when an inactive claims letter was sent to  you at your email address on file. Finally on 7/6 your repair facility called back and informed us they had done RDI not the testing that was requested and found the cylinder head gasket was failed and the cylinder head was warped. The cylinder head on a vehicle only warps if it is due to overheating or improper previous installation. Neither of these are covered under your contract. There is also no seal and gasket coverage on this contract. Since there was no coverable failure shown by your repair facility you claim was correctly denied.

  As a resolution, CarShield will refund your last 6 payments upon execution of a Settlement and Release Agreement. Please email ****************** to confirm the cancellation and refund. Once we receive the email, we will draft the Agreement and email it to you for your review and signature.  Please make sure to include your name and contract number (**********) in the subject line for faster processing.

  Customer  Relations

  CarShield is here to address your concerns. CarShield is suing the BBB-St. Louis. CarShield recently filed a lawsuit against the BBB-St. Louis. The lawsuit asserts that the BBB- St. Louis is biased against CarShield and that the BBB-St. Louis has used improper means through the use of misrepresentation relating to CarShield.  A copy of the lawsuit is available at http://www.BBBBias.com
  

• Initial Complaint

  Date:07/16/2022

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I signed up with CarShield because I had purchased a used pickup truck for my nephew's use in going back and forth to work. Immediately after buying the truck in October 2021 I took it to ********* and had it checked from front to back. On April 11 2022 I filed a claim #******* because ********* said the engine needed replacing. During the first months of the claim process I had to call CarShield EVERY day to keep them moving on this claim. I had been given the direct phone number to ***** *** of ******************** who told me he was not the adjuster but that he would help me out since my adjuster ***** was not working on this claim. I have had to call over and over on this because ***** has been telling me one thing and telling ********* another. He will tell them he will get back to them but never does. This has dragged on since April. ********* has disassembled the engine and is waiting for ***** to send out an inspector. I am paying over a $100 a month for CarShield but I am being told that the adjustor handling my claim is not reachable and that ***** took it over as "trying to help me out". This is the worst service I have received in my life. I am wanting someone at CarShield made aware of the horrible handling of this claim and I want a resolution to this matter.

  

  Business Response

  Date: 07/22/2022

  Thank you for bringing this to our attention.
  

  As noted on the first three pages of your contract, ******************** (AAS) is the administrator of your vehicle service contract and has FULL authority over repair procedures, approvals, denials and payments.  We have contacted them to obtain information on the repair claim you have referenced. Per their notes and based on the facts present in your claim there is an internal engine failure of a lubricated component that has resulted in the necessity of an entire engine replacement. Delays on the part of AAS have been taken into consideration and they have requested an estimate from your repair facility for review. Once all information is on file, this claim will be authorized.

  Customer Relations

  ********************** is here to address your concerns. CarShield is suing the BBB-*********.CarShield recently filed a lawsuit against the BBB-*********. The lawsuit asserts that the BBB- ********* is biased against CarShield and that the BBB-********* has used improper means through the use of misrepresentation relating to CarShield.  A copy of the lawsuit is available at http://www.BBBBias.com

  Customer Answer

  Date: 07/26/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *******************************

• Initial Complaint

  Date:07/16/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They had taken $109.99 out of my account on Friday, 07/16/2022. I did not authorize this transaction. I had called only to find out information about their services a month or two ago probably under my business name ***************************** or ***************************. I was doing a gig for this company Successful Minds, LLC. They had been trying to take money out of my account for over a month now. I had getting emails from Paypal saying that it was rejected & did not go through. When it was 1st rejected and did not go through, they should have stopped right then and there trying to get cash out of my account. I have never used their service and want them to fully refund me back my $109.99 back to Paypal issued debit card.

  

  Business Response

  Date: 07/18/2022

   

  Based on the name and email address provided in your review, we are unable to locate your contract. Please email ******************************* with your contract number so that we can properly address your concerns.
  We look forward to hearing from you.
  

  Customer Relations

  Customer Answer

  Date: 07/18/2022

  They had taken $109.99 off of Paypal debit card (Mastercard) on Friday, 07/15/2022 without my authorization or consent. They had been trying to get cash off of my card for a month now. I want and really need my $109.99 back onto my debit card.

  Customer Answer

  Date: 07/19/2022

  I have no contract number. I only called to find out information from this place. They had told me that I was not going to have to pay for anything right now

  

  Business Response

  Date: 07/19/2022

   

  CarShield can not refund a payment if there isn't a contract.  Please send a copy of that paypal statement you claim was charged to ******************************* so we can continue to look into this matter. 

  Customer Relations

  Customer Answer

  Date: 07/29/2022

  The company did reach out and refunded my money. 

• Initial Complaint

  Date:07/16/2022

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  May 23rd, I called Car Shield to open a claim for an engine light and AC not working. I was told to have the mechanic contact Car Shield with an estimate of repair costs and that I would be reimbursed for a rental at $40 per day. I made an appointment for Friday morning, May27. On May 26th 2022, I dropped off my car after work for repair at ********* ******** **** in Knoxville. I had to rent a car at Enterprise Rental to get to work they next day. The shop checked out the problem on Friday and had to wait till Tuesday to call Car Shield because of the Memorial Day holiday. They gave Car shield the estimate and was told an adjuster would be sent within 24 to 48 hours. After 48 hours, on Thursday, I called to check on the status expecting to have my car back in a few days. The mechanic had explained it would be a 14 hour repair. However, he had not heard back from Car Shield by 48 hours. June 2nd: I called Car Shield and was told that they did not have a written estimate and could not send an adjuster until they did. It was late in the day on Thursday by then. I told the mechanic what Car Shield told me and he said he would call them again. Friday afternoon, June 3rd, 1pm he called and sent them the estimate again. Then at 4:30 pm I conference called Car Shield with the mechanic confirming that he had sent the estimate. They said it would take 24 to 48 hours for the Records department to enter it. June 6th, Monday afternoon, I called again. I was told they have not received the estimate. Tuesday, I called again. Still have not received it. However, the mechanic had also called Monday evening and stayed on the phone until 7pm an hour after he closed his shop sending them the information a 3rd time. I was calling the mechanic and Car Shield several times every day to get results. My car has now been in the shop waiting on Car Shield to approve the repairs for 8 weeks. One problem was repaired another was found at 3 weeks. The same excuses. Still Waiting!

  

  Business Response

  Date: 07/26/2022

  Thank you for bringing this to our attention.
  

  As noted on the first three pages of your contract, ******** **** ****** (***) is the administrator of your vehicle service contract and has FULL authority over repair procedures, approvals, denials and payments.  We have contacted them to obtain information on the repair claim you have referenced. Your claim was authorized for timing chains and repairs were supposedly made. Shortly after the vehicle was picked up it is back with more timing codes. There is a TSB on this vehicle for the reluctor ring on the crankshaft moving causing this issue. If this is the case then the timing chain replacement was an incorrect repair and incorrect diagnostic.

  *** will be reaching out to your repair facility. This will most likely need an inspection. There was one set up but it was cancelled since there was no RDI. The service procedure in the TSB does not require the oil pan to be removed. The repair for this is a crankshaft replacement. If you have any additional concerns regarding this repair claim, you may contact ******** **** ****** directly at ###-###-####. As your service contract administrator and the obligated party under the contract terms, they will be happy to assist you with any repair claim related concerns you may still have.

  Customer Relations

  CarShield is here to address your concerns. CarShield is suing the BBB-St. Louis. CarShield recently filed a lawsuit against the BBB-St. Louis. The lawsuit asserts that the BBB- St. Louis is biased against CarShield and that the BBB-St. Louis has used improper means through the use of misrepresentation relating to CarShield.  A copy of the lawsuit is available at http://www.BBBBias.com

• Initial Complaint

  Date:07/16/2022

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Taken to shop on 5/24/2022 until present. Currently at Aamaco Transmission in ***** **** Had a transmission problem so I took my truck to the shop. It took a couple weeks to determine if the claim would be covered. Instead of covering the transmission to be rebuild, they done part sourcing which is finding a replacement ****** at a cheaper price. It took 16 days to be shipped. The replacement got installed. After I picked it up, I realized that the 1st gear was slipping so back to the shop it went. Another ****** installed. Picked truck up again, made it a block away and it had the same problem as original. Going on 2 months.

  

  Business Response

  Date: 07/20/2022

  Thank you for bringing this to our attention.
  

  As noted on the first three pages of your contract, ******************** (AAS) is the administrator of your vehicle service contract and has FULL authority over repair procedures, approvals, denials and payments.  We have contacted them to obtain information on the repair claim you have referenced. Per their notes, your repair facility has not contacted AAS claims department about any additional issues with the part they sent in. AAS tried reaching out to your repair facility and spoke with another advisor there since the one who was handling the claim was not available. They confirmed the vehicle is there and having issues again but did not provide any other information. AAS needs to know what is wrong with the vehicle and if this is the result of an incorrect diagnosis from the first claim or a parts failure. Once your claims specialist is able to speak with someone at your repair facility who actually knows what is going on AAS can move the claim forward accordingly.

  Please have your repair facility contact AAS at ************.

  Customer Relations

  ********************** is here to address your concerns. CarShield is suing the BBB-*********.CarShield recently filed a lawsuit against the BBB-*********. The lawsuit asserts that the BBB- ********* is biased against CarShield and that the BBB-********* has used improper means through the use of misrepresentation relating to CarShield.  A copy of the lawsuit is available at http://www.BBBBias.com

  Customer Answer

  Date: 07/20/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:07/16/2022

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I started a monthly premium with Carshield less than two months ago. First payment of $109 on June 8th, second payment of $109 on July 9th. I canceled the contract on July 15th. I never used their service. Their contract clearly states that if the contract is canceled and no services were redeemed, a full refund is given if canceled within a month. Any cancellations after 30 days would be pro rated, meaning I would lose my first payment, thats how I understood the policy. Granted I had just paid to start a second month. When I called to cancel the lady was rude to tell me I wont get any refund, because, thats not the way we work. In her words. I called back and spoke to another agent much more professional in explaining; however the policy doesnt state what he explained in regards to paying a lump sum upfront. When I first spoke to an agent about purchasing the contract, I asked if I can pay in full upfront and was told they only offer monthly payments! I feel Carshield swindles hard working citizens out of their money but not explaining correctly their terms and policies, because it is clear that what they tell you over the phone is not in their contract they send you! I just want my money back! Please help! If you read the reviews many are on the same situation Im in. I can understand if I used their service at least once, but I didnt. The first agent I spoke too when as far as to tell me we are like health insurance, just because you dont use your health insurance, do you ask them for a refund. Which I felt that was unprofessional to say! The number the contract is under is ************, thats my old number. You will need to give them when/if this matter is investigated. Thank you for understanding my concern, and I appreciate BBB looking into this matter! Thank you for your time and blessings.

  

  Business Response

  Date: 07/22/2022

  We appreciate you bringing this to our attention.

  You purchased a monthly renewing Powertrain Gold Service Contract for your 2015 Chrysler 200  with ******* miles.  The covered components were addressed during the purchase of your contract and were also mailed to you and emailed to you with a 30-day free look/money back guarantee period giving you ample time to review the contract and cancel with a full refund should you decide not to keep coverage. CarShield contracts DO NOT state we will refund a customer if they do not use the **********************.  We have attached a copy of your contract so that you can review the cancellation portion of the contract starting at page 21. Also, page D2 of the contract states there is a $50 cancellation fee. 

  Since you cancelled your contract so close to the payment date, CarShield will refund your last payment. We will not charge the $50 cancellation fee as a courtesy. You will receive the refund back to the card on file within 3-5 business days. 

  Customer Relations

  ********************** is here to address your concerns. CarShield is suing the BBB-*********.CarShield recently filed a lawsuit against the BBB-*********. The lawsuit asserts that the BBB- ********* is biased against CarShield and that the BBB-********* has used improper means through the use of misrepresentation relating to CarShield.  A copy of the lawsuit is available at http://www.BBBBias.com

  Customer Answer

  Date: 07/26/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *****************************