I paid $400 down and $175 a month for two years for a piece of equipment that cost $1700 new. After making my last payment I received a bill for $800! After calling they referred to the tiny wording in the bottom of an agreement that was provided by a 3rd party! I will not pay this! I have refused! They are now trying to ruin my credit! Is there a current lawsuit? I would love to join force! This has to be illegal! I see so many other people dealing with the same thing! There has to be a way to stand up to these people! I am waiting for it to post to my collections so I can dispute it but until then I am dealing with the harassment of a multi million dollar corporation! I paid them over $1200 in interests on a $1800 24 month loan! How is that not enough!? Isn’t there laws to protect consumers from being scammed?

I have been paying 175.88 a month for a 4300.00 sauna for 33 months ( 5804.04) believing I would be done paying at the end of the contract. WRONG!!! I get a bill from Timepayment for $831.29 that is due in 10 days! If I do not pay that amount (which I cannot) by that date, I continue the "lease" with no contract completion in site. I cannot say that I spoke directly with a timepayment person during this purchase, but I absolutely know that the seller of this sauna told me Timepayment was FINANCING not a LEASING agreement and that i would own the sauna at the end of the contract. Had I known this I would have simply borrowed the money from my bank. Now I cannot get any response from the company I purchased the sauna from. STUCK. I have worked so hard to protect my credit during the last 5 months of no work, and m=now Isuppos these jokers will be the thing that ruins me. Why can't people just do do the right thing in business anymore!

I was lied to about the details of this "loan". I was at the mercy of just having my phone to conduct business because my office was not set up and I was on a time crunch to get an ice machine. The salesman "walked me through it". I would own the machine in a year. Yes i knew i was paying a bit more for it but i needed it quick. At no time was it ever brought up that it was a lease situation !!!!! I've already paid 3 grand for this machine and I'm not paying a dime more !!! I've been turned into the credit bureau and plan on fighting this to the end !!! Shame on you Time Payment

They are the worse! The water softener I “financed” via Time Payment Corp was $1700, now I owe them over $3000!!! So unethical of them!!! Making money of false promises really. Your customers are unhappy about your practices and it’s pretty obvious from all these complaints.

They are the worse! The water softener I “financed” via Time Payment Corp was $1700, now I owe them over $3000!!! So unethical of them!!! Making money of false promises really. Your customers are unhappy about your practices and it’s pretty obvious from all these complaints.

They are the worse! The water softener I “financed” via Time Payment Corp was $1700, now I owe them over $3000!!! So unethical of them!!! Making money of false promises really. Your customers are unhappy about your practices and it’s pretty obvious from all these complaints.

Ordered some tubing bender tools from truck tools they set me up with time payment b4 I even knew what was going on. Talked for weeks getting it figured out with Chris Jensen if I remember correctly. Scam scam scam

My tools cost around $2,500 and after all said and done I was to pay back around $5,100. A few months in and I get contacted saying I now have to pay to have insurance on the tools that I am buying. Wasn’t specified during the lease agreement.. I didn’t understand how and also didn’t feel I needed the insurance so I didn’t do it. After a week or two I’m contacted by letter saying that I now have to pay a fine for not insuring my property and that they insured it for me which brings my total to around $7,000 I had no choice but to pay the monthly payments So I sucked it up and made my payments each month and on time and received a letter saying that my final payment which would have been Janurary 16 2018 which made 21 months as specified would be due and that after the final payment was made I could either choose to re lease the tools for same payments for another 21 months or choose a buy out option which states buying the tools for fair market value that after the 21 month of owning the tools they say was now 600 some dollars or send the tools back in good working condition in original boxes which they were received in. . Shocked and not understanding what I am suppose to do or what was going on I write time payment telling them that I no longer have a job and can not afford the full buyout in one sum and that they would have to work with me and accept what I could give themes h month. Just got a call saying that my February bill of $251.xx is past due and that I needed to make that payment. I call them and explain to them that I don’t have a February payment and that I have chosen the buyout option and the lady simply said that yes sir u do have a February bill owed.

What I don’t understand is how someone could lawfully do all this to someone over $2,500 tool and can fine u for not insuring something that apparently I do not own wouldn’t that be their place sense it isn’t my tools. Well I thot the tools was mine after paying them off in full after 21 months until they write me saying that that was only a lease and not a lease to own. Why the hell would I lease something for that long and pay that much for it when wasn’t gonna in the end own it. Could have paid cash or gotten a bank loan and got off way cheaper. Only reason for me financing these tools thru Time payment was to build my credit which I was building at the time and mr Jensen told me this was a great way to build credit and that I could pay off the tools anytime but didn’t recommend me doing so dense I was trying to build credit. Well half way in to this mess I contacted TIME PAYMENT telling them I want to pay the tools off and asking them what the cost was. Come to find out paying it off would result in a breaking the lease. Never again will I ever finance anything else cash is king and these Assholes sure got a hell of a lot from me and sounds like a lot others. TIME PAYMENT, QUICK SPARK AND TRICK TOOLS WILL NEVER RECIEVE ANYMORE BUISNESS FROM ME. BIGGESG RIP OFF SCAMMERS AROUND AND SHOULD BE SHUT DOWN AND PROSECUTED FOR ALL THE MONEY HAVE STOLEN FROM ME AND EVERYONE ELSE THEY HAVE DINE THIS TO!!!!!!!!!

Ordered some tubing bender tools from truck tools they set me up with time payment b4 I even knew what was going on. Talked for weeks getting it figured out with Chris Jensen if I remember correctly. Scam scam scam

My tools cost around $2,500 and after all said and done I was to pay back around $5,100. A few months in and I get contacted saying I now have to pay to have insurance on the tools that I am buying. Wasn’t specified during the lease agreement.. I didn’t understand how and also didn’t feel I needed the insurance so I didn’t do it. After a week or two I’m contacted by letter saying that I now have to pay a fine for not insuring my property and that they insured it for me which brings my total to around $7,000 I had no choice but to pay the monthly payments So I sucked it up and made my payments each month and on time and received a letter saying that my final payment which would have been Janurary 16 2018 which made 21 months as specified would be due and that after the final payment was made I could either choose to re lease the tools for same payments for another 21 months or choose a buy out option which states buying the tools for fair market value that after the 21 month of owning the tools they say was now 600 some dollars or send the tools back in good working condition in original boxes which they were received in. . Shocked and not understanding what I am suppose to do or what was going on I write time payment telling them that I no longer have a job and can not afford the full buyout in one sum and that they would have to work with me and accept what I could give themes h month. Just got a call saying that my February bill of $251.xx is past due and that I needed to make that payment. I call them and explain to them that I don’t have a February payment and that I have chosen the buyout option and the lady simply said that yes sir u do have a February bill owed.

What I don’t understand is how someone could lawfully do all this to someone over $2,500 tool and can fine u for not insuring something that apparently I do not own wouldn’t that be their place sense it isn’t my tools. Well I thot the tools was mine after paying them off in full after 21 months until they write me saying that that was only a lease and not a lease to own. Why the hell would I lease something for that long and pay that much for it when wasn’t gonna in the end own it. Could have paid cash or gotten a bank loan and got off way cheaper. Only reason for me financing these tools thru Time payment was to build my credit which I was building at the time and mr Jensen told me this was a great way to build credit and that I could pay off the tools anytime but didn’t recommend me doing so dense I was trying to build credit. Well half way in to this mess I contacted TIME PAYMENT telling them I want to pay the tools off and asking them what the cost was. Come to find out paying it off would result in a breaking the lease. Never again will I ever finance anything else cash is king and these Assholes sure got a hell of a lot from me and sounds like a lot others. TIME PAYMENT, QUICK SPARK AND TRICK TOOLS WILL NEVER RECIEVE ANYMORE BUISNESS FROM ME. BIGGESG RIP OFF SCAMMERS AROUND AND SHOULD BE SHUT DOWN AND PROSECUTED FOR ALL THE MONEY HAVE STOLEN FROM ME AND EVERYONE ELSE THEY HAVE DINE THIS TO!!!!!!!!!

All of us have similar complaints. And to me if it walks like a duck, quacks like a duck....dammit, it's a duck. I think we should all get a common ground for communication. [email protected] has been set up by me so that we can all come together and take this company down. I'm fed up with the threats as I imagine we all are. Please contact me today so that we can start this journey together. I do believe this will indeed require a village!

My husband obtained some lawn equipt through them & they never disclosed it being a lease or having to pay extra for the merchandise after the lease was done. After a couple months they added insurance charges to the monthly payments. They have bern calling us harrassing & threatning us because we failed to keep up with payments after we realized they were scammers.

NEVER LEASE ANY CREDIT CARD EQUIPMENT FROM THESE LEASING COMPANIES, TIME PAYMENT IS ONE OF THEM.
THE MACHINE COSTS ONLY FEW HUNDRED BUCKS BUT THE SHITTY SALESMAN WILL HOOK YOU UP WITH A 4 YEAR LEASE WORTH OF ABOUT $5,280 ABOUT 18 TIMES MORE THAN WHAT A BRAND NEW CREDIT CARD MACHINE IS WORTH. IT IS A BIG RIPOFF AND THE SHITTY SALEMEN NEVER DISCLOSED THE SALES TAX, THE PROPERTY TAX AND THE EQUIPMENT INSURANCE ADD ON AND SOME HIDDEN FEES. BIG RIPOFF FROM THESE LEASING COMPANIES AND THOSE CREDIT CARD PROCESSING SALESMEN. I WISH THERE IS ENOUGH COMPLAINTS SO THERE IS A MASS CLASS ACTION LAWSUIT TO STOP THESE SCAMS. NEVER DEAL WITH COASTAL PAY IN CARLSBAD CALIFORNIA (CREDIT CARD MERCHANT PROCESSING SERVICE) AND THE LIKES.
SO INNOCENT PEOPLE PLEASE BE WARNED. BE CAREFUL NEVER LEASE THE CREDIT CARD EQUIPMENT BECAUSE SIMPLY IT IS A BIG RIPOFF.

NEVER LEASE ANY CREDIT CARD EQUIPMENT FROM THESE LEASING COMPANIES, TIME PAYMENT IS ONE OF THEM.
THE MACHINE COSTS ONLY FEW HUNDRED BUCKS BUT THE SHITTY SALESMAN WILL HOOK YOU UP WITH A 4 YEAR LEASE WORTH OF ABOUT $5,280 ABOUT 18 TIMES MORE THAN WHAT A BRAND NEW CREDIT CARD MACHINE IS WORTH. IT IS A BIG RIPOFF AND THE SHITTY SALEMEN NEVER DISCLOSED THE SALES TAX, THE PROPERTY TAX AND THE EQUIPMENT INSURANCE ADD ON AND SOME HIDDEN FEES. BIG RIPOFF FROM THESE LEASING COMPANIES AND THOSE CREDIT CARD PROCESSING SALESMEN. I WISH THERE IS ENOUGH COMPLAINTS SO THERE IS A MASS CLASS ACTION LAWSUIT TO STOP THESE SCAMS. NEVER DEAL WITH COASTAL PAY IN CARLSBAD CALIFORNIA (CREDIT CARD MERCHANT PROCESSING SERVICE) AND THE LIKES.
SO INNOCENT PEOPLE PLEASE BE WARNED. BE CAREFUL NEVER LEASE THE CREDIT CARD EQUIPMENT BECAUSE SIMPLY IT IS A BIG RIPOFF.

I was approved for an Italian ice cart through Quick Spark Financial for the amount of $4,300. I had numerous telephone and email conversations with Mr. Terry Fahey of Quick Spark. My main concern was being able to pay the $4,300 off before the end of the contract to avoid interest and other finance charges. Mr. Fahey consistently told me that I would be able to do so. The contract also states that this is a lease and he assured me that I would own the equipment free and clear once I paid the balance. I eventually signed the contract and agreed to allow auto debiting of my credit card. When it was time for the first payment, my card was never debited. I was contacted by TimePayment (a company that I did not know about) who stated that I needed to make a payment. I asked if I could pay online and she gave me the website and information to login. When I logged in the next day, I checked to see how I could pay the $4,300 off and the balance stated that I financed roughly $7,441.65(estimated). I immediately called Time Payment and was told that this was the amount that I owe with no possible negotiations. I told her that I was completely unaware of that amount and was unhappy with the deceit from Mr. Fahey. They young lady stated that this happens often and that I could file a misrepresentation investigation with the company and would not have to make payments until a decision was made. I called TimePayment this past Monday and spoke with Vanessa Hall to see why I was still receiving threatening statements. She informed me that she decided against my inquiry stating that Mr. Fahey did tell me that I could pay the equipment off early and why should Time Payment lose out because I did not understand my contract. I feel that I was deceived with this contract because I was certain that I was financing $4,300 not $7,441.65 (estimated).

DO NOT DO IT! We made every.single.payment on time. MONTHS after we had finished paying off our vacuum (same as cash), they sent 1 letter stating we owed them money and late charges! The following day I recieve another letter about these fees going into collections. I immediately called and spoke with a rep who told me it has happened before and could be sorted out and wiped clean...He told me to call back on Monday morning after speaking with management. Monday morning rolls around, and after trying to speak with the same rep 3 times, I'm directed to his "superior" who tells me unfortunatly we owe the money because we signed a contract and it has already been put against our credit. THIS IS THE FIRST WE HEARD ABOUT IT AT ALL and they have already put it on our credit?! DO NOT WORK WITH THIS COMPANY. SCAM SCAM SCAM.

I purchased my products and equipment from Pure Spa Direct For $1764.00. to start up my small Esthetics business. Because I had alot of other expenses I thought I would finance this amount and pay it off within the year. Pure spa directed me to their finance partner
who set me up with Time payment corp and this so called lease to own which was never explained well from the start. Well long story short I find out I am paying $3,200.00 for my $1700.00 purchase when all said and done!!! I have very good credit and could have
put it on a cc for a fraction of this!! so corrupt! The man I spoke with was very evasive about answeing my questions with a direct answer . Never laid the terms out and was evasive. Red flags everywhere...I thought i could trust pure spa direct in not setting me up with a very unethical company. My bad for not reading into the contract better. Very misleading. This company is criminal and should not get away with this.

I agreed to buy a lift using time payments contract. I told them that my money comes on the its each month they then tried to start payments on the 30th which would bounce so I stopped auto pay. Then I got a letter from them after several weeks telling me that this is a non cancelable contract which I never heard of. Also they are now saying they need a binder from my insurance our they will be charging me for insurance which I will not pay for because I already have insurance these things should have been told before I signed anything. I have said they can as far as I am concerned cancel the agreement and pick up there lift but all I hear is you have to pay for the insurance tell me this isnent a big ripoff sneaking in things after you get things done even the place I picked up the lift from said they never heard of such things this co is pulling

I should have read more on these people. I am gonna push there limits to late payments. Unit costs 7200. Two days late on payment they called everyone. I WILL NEVER DO BUSINESS WITH THESE PEOPLE AGAIN. BE WARNED. THEY ARE BAD PEOPLE. IF YOU NEED TO BUY SOMETHING GET A LOAN FROM YOUR BANK. IT WILL BE WAY CHEAPER . Biggest mistake i have made in a long time. I called them back and dude was tring to give me a lesson on when the payment was due. And i asked him if i could changed the due day. And he was like No. I told him then what does it matter. He didnt like it. I thought it was funny. Currently looking for a lawer to get me out of this contract. Just please know they are bad people. They should be shut down. Gov should do something about this scamming company.

Called to cancel the automatic with drawl payment out of my account as we are losing our business was trying to set up a monthly payment with them and they advised me that they're going to charge me more money to do the same thing very rude very very rude people Jordan the supervisor is a disgusting pig not a nice lady at all

Time Payment called to harass me about a late payment about a leased sectional sofa😳They had all my private information, such as social security information, date of birth, ect. I called the company they said the sofa came from, and the owner's identity had been stolen in Jan 2017. He filed a complaint with Time Payment as well as a fraud report. He was assured the company wouldn't allow his company as a leaseor. They just called me in the middle of March saying I owed this company money. After I talked with the owner of the company I realize that Time Payment may be part of the Scam. This company had all our identity information. Any law suits out there yet?

Time Payment Nationwide Equipment Financing: Be careful all the Restaurant Owners, specially the New ones! Please Don't deal with this Rouge & Scam company, if you care about your personal credit. This company has some of the rudest people working for them.They are very greedy, unprofessional, rotten customer service, liars, they will make every possible attempt to ruin your personal credit even though you are making payments on time.I bought a piece of equipment from a 3rd party and was under the impression that I am financing the equipment through Time Payment Corporation. It turns out that the equipment was leased, not financed. This gives them the right to charge the amount that they would like, not what I am supposed to pay. This machine should have been $3600.00, but they made it $4200.00, and trying to contact them to solve the problem, but don't know how. I am one of them, i had to close down my restaurant due to loss. I made 18 Payments for the amount of $122 each month, then i requested them to take back your POS system , or I can also ship you wherever you want. They refused to do so & now they have reported to the Collection. I have disputed that. Collection Company told me to wait for 30 days. I understand that ultimately it is my fault for not reading the fine print, but you don't expect companies to drag you and feel justified for doing so. I am not alone, as you can see from this website, Don't let that fool you. They are predators, and I would encourage others to not deal with them. I am also going to file a complaint with the Attorney Generals office, waiting for the answer from Collection Company.
They should not be allowed to get away with this.

Time Payment is a crooked business. Be very careful to enter into any agreement with them. They will not put their interest rate in writing and they will not allow you to pay off the total amount early. Avoid this company at all cost because they will make you end up paying more than twice the original purchase amount.

I was going to lease audio equipment for personal use from time payment.I received a quote for a 60 month lease to own from TimePayment.I requested a $15000.00 lease to own for 60 months and received a Quote of $409.00 per month this amounted in a total of $24540.00 over a 60 month period.That means the interest/finance charges would be $9540 for the entire lease.That is more than 60% and believe that is exorbitant.

Horrible Experience. Avoid this business at all costs. This company locked my business into an illegal overpriced misleading lease, and had an unauthorized staff member sign it! They lied to me numerous times and refused to settle the situation. A customer service agent ignored my voice mails and complaints. PLEASE AVOID. BAD BUSINESS!

I too was scammed by these companies. I bought an alarm system from PCA security- leasing through Time Payment. A year after paying on the contract I came to work to find my store front complety destroyed, and the alarm never went off. after further investigation- I found that the alarm was never even hooked up, the equipment was fake. the alarm system wasnt even compatible with my phone, and all that testing and confirming the installation guy did was fake. he literally drilled a hole in the wall- stuck a cord in there to make it look like electrical was hooked up, and that was it. And when I asked for answers i got blown off. After tons of research and legal advice i have found that i am just one of hundreds of people that was scammed by these companies. PCA wasnt even licensed when i signed the contract with them. and now, Time Payment wont leave me alone. I havent paid in over a year. They can shove it!!! The calls used to be harrassing, and i have saved everyone of them. now, they just keep calling- and i give them my attorneys info, and then they say they never got it. they wont sue me, i wont pay them, and they are driving me nuts. I will never, without a doubt, would rather cut off my foot- then ever pay these people. I dont know how to get them to stop calling. my attorney said i could sue them, but i dont have time for that. TELL EVERYONE YOU KNOW ABOUT THESE CRIMINALS!!! i dont know how these people can sleep at night. i work way to hard to pay for a scam!! If anyone want to think about a class action lawsuit IM IN!!!