Public Notice of Intent to Sue Regarding Breach of Accord and Satisfaction AgreementDate: May 5, 2026To: WESCOM FINANCIAL INC.P. O. Box 7058Pasadena, California 91109-7058Certified Mail Number: 9589 0710 5270 0288 1805 38From: Douglas, Payton N1752 East Lugonia, Ste 30Redlands, CA 92374RE: Public Notice of Intent to Sue for Breach of Accord and Satisfaction Agreement - Account Number [1153838- 00]Compliance Department,This letter serves as a formal notice of intent to sue regarding your breach of the accord and satisfaction we entered into on February 02, 2026, concerning account number 1153838-00.Background:On February 02, 2026, Wescom Financial Inc (*WF Inc.) reached an agreement to settle a bona fide debt related to my account. The terms of the agreement stipulated that California Commercial Code §3311 applies when the claim is unliquidated (uncertain amount) or disputed in good faith by the debtor. This statute allows using a writing on a check (like “payment in full") as evidence of Accord and Satisfaction if certain conditions are met in good faith. I fulfilled my obligations under the agreement by disputing the debt administratively and notifying your office, such checks or drafts will be submitted for less than the original agreement. No answer or correspondence was received and therefore several checks/drafts were submitted and cashed.Breach of Agreement:WF Inc. has failed to uphold its obligations under the Accord and Satisfaction Agreement under the rules of California by knowingly accepting each check/draft with clear and conspicuous restrictive endorsement on the face of the checks/drafts. Specifically Check No. 1009 (amount $200.00) dated 02/2/2026. California Uniform Commercial Code § 3311 governs accord and satisfaction by use of an instrument and provides that a notation on a check for less than the full amount may operate as full satisfaction only when the check is tendered in connection with a bona fide, good-faith dispute. Accordingly, § 3311 bars WF Inc from suing for the remaining balance. Breach of Agreement has occurred by continuously reporting a balance to official credit report agencies, affecting debt-to-income ratio after the first acceptance and cashing of Check No. 1009. WF Inc's. opportunity to refund Check No. 1009 lapse on January 27, 2026 (90 day refund period per California Statute). This breach has caused significant harm, such as financial losses and credit reporting hardships. Demand for Resolution:I demand that WF Inc. immediately remedy this breach by reporting the account as Paid in Full to all credit reporting agencies and refunding every payment received after January 27, 2026 and April 20, 2026, the total refundable balance is $1,899.48Intent to Sue:If I do not receive a satisfactory response within 30 business days from the date of this local publication, confirming that WF Inc. will take the necessary steps to fulfill its obligations under the Accord and Satisfaction Agreement, I will be forced to pursue legal action and seek compensation for the damages I have incurred.I am confident that we can resolve this matter amicably. However, I am prepared to take all the necessary legal steps to protect my rights.Please contact me at the phone number or address listed above or on account file to discuss this matter further. Cordially,Douglas, Payton N.Redlands Daily FactsPublished: 5/13/26
