I had the misfortune of entering into a lease agreement with Marlin Leasing on 7/8, to purchase an electronic medical records program from Leum Software. Everything was going smoothly until 7/29, when Marlin leasing, decided to impose a liability insurance requirement. They faxed me a notice claiming I had to buy liability insurance from them at $14.68 a month, or name them as a third party, on a separate policy, otherwise after 30 days they would fine me $50.00 for non compliance.
I have been going back and forth with Shawn O'Neill, asking what specific risk I was insuring against, since it was only a computer program installed on my personal computer, and I did pay Leum Software 6 months in advance for technical support and updates.
They explained since I did not own the equipment, I had to insure it against loss, like fire or theft. As I see it the program installed on my computer, would mean I would have to suffer loss of said computer. I argued the program could be restored to its original capacity simply by contacting Leum Software, and having them reinstall on another computer.
I also mentioned I do not think you can consider a computer program equipment, since it only enhances the capabilities of my computer. Bottom line is they did not fully disclose the additional costs required, and 3 weeks later are trying to tack on this additional cost. I would definitely not do business with Marlin leasing, and be sure you know the company before you agree to anything.
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