Northern Leasing Systems review: do not do business with this company! 62

I most certainly do agree that Northern Leasing company is underhanded and I intend to file a complaint with our attorney general.

Northern Leasing System needs to be put out of business.

Back in May of 1999 I sign an one page Equipment Finance Lease Agreement for a Virtual Terminal that they call software as a piece of Equipment.

Merchant Service USA was the Vendor for that company who sign me up. I have cancel the Agreement June 1999 because I did not get help. I never heard from them again Northern Leasing has been pulling my credit file through the years under neigh my nose. I did not pay much of a tension of my inquiries. Didn’t think much of it. I thought they where out of my life until April 10.13 and July 17.18 /2007 saw that they pulled my file after 7 years later send me a demand letter, etc... I guess they got board want to have fun playing with peoples mind and screw around with their credit.

Came to fine out Virtual Terminal is NOT a piece of equipment for finance lease. I also found out they never offer that in the first place. All they finance lease is POS Terminals Credit Card Machines and ATM Machines that you see on there web site. I am not going to say any more...

This situation is very scary. These scam artist are all over the country. I am in Iowa and the same thing happened to me. A salesman from Merchant Service cane to my business.Basically, you lease equipment that is worth $300.00 and you end up paying over $2,000.00 for it. Luckily, my business is doing well and I can pay for it. The lease is a tax write off. Northern Leasing is taking advantage of many many people. The funny thing is I thought I was the only stupid person and thought I would just take this as a learning experience. I was looking up Northern Leasing through google to get a phone number on them and found all of these complaints. Something needs to be done! I feel bad for everyone. I know take everything to my attorney before signing a thing! Good luck all!

Dear Associate of Chittur Attorneys and Councilors at Law,

I was a small business owner who unfortunately got involved with this company back in February of 2004. Until recently, when I closed my bank account, I was paying more than $40 a month for a term of 48 months. My business closed in October 2006 but due to their threats I was forced to continue payment. I had no intention of pursuing legal action despite their strange emotionally manipulative sales tactics and document forgery of my Lease Documents. However, after recently closing my bank account and asking Northern Leasing to send me an invoice detailing what I owed on the equipment, I received a letter stating that the buyout figure WITHOUT the equipment is $172.80. This is contrary to what I was told at the outset. I did not and would not have signed up to pay $2000 for a product I would not ultimately own.

I want to tell you briefly the circumstances of signing the lease and why I was forced to stay with the lease. When I started my business, a prom dress boutique, everything went wrong. The two biggest things that are related to this story is that my mom was diagnosis with bladder cancer and my husband I were given a warning notice for deployment to Afghanistan.

In January 2004, my husband and I were unexpectedly activated to what is called an SRP, the process for determining if you will be deployed. This was especially stressful for us because we have two small children and we dreaded the prospect of us both being away. As I mentioned, my mom was sick and because of the SRP I was forced to miss a benefit in her honor. Finally, in early January I had signed a lease at a commercial space and was was suppose to start business the week after the SRP. Prior to the SRP, I did a quick internet search on Credit Card Machines which lead me to Pyramid. It was through my dealings with Pyramid that I was directed to Northern Leasing.

While I was at the SRP, Northern Leasing was frequently calling me telling me that I need to get my documents in. I talked to a girl named Lori and found myself apologizing for not getting back to her in a timely manner. I explained my situation and she seemed to sympathize with my stress. I told her that I would have to look at and sign the lease after I got back from the SRP. In the mean time, she just went ahead and signed it for me! She faxed the lease to my home and called and said she was doing me a favor because she knew I was having trouble accessing a fax machine and she she knew I was working under a tight deadline to open the store. When I got back home, I took the lease to a local credit leasing company called BPS and they told me the rates and the cost of the machine was outrageous. I called back to speak to Lori. She told me that she would get in big trouble and possibly fired if I turned her in for forging my name. She also emailed me a picture of her and her 1 year old son. I fell for the obvious manipulation because I was an emotional wreck at the time and was so focused on opening the store in time. I let the contract stand with forged signatures and all. I do have a copy of it and the forgery is obvious.

Later, when I finally did come to my logical senses and saw how they used my vulnerability against me it was too late. I was locked into this contract. Many months later, I called the company and told them I was going out of business and they said that I was still obligated to pay the remainder of the lease. They said they would turn me over to a collection agency if I did not pay. I was going through a Top Secret Security Clearance for my National Guard job at the time and I couldn't risk jeapordizing the Clearance due to bad credit. So this is how I came to be saddled with Northern Leasing.

Up till now I have blamed myself for not doing enough research and letting myself be emotionally bullied a con artist. I also had other things to deal with and just didnt have the energy or time to fight with Northern. After my most recent dealings with them I am so disgusted with this company I feel compelled to take action. It is outrageous that they are claiming that I dont own the credit card machine that I paid over $2000 for. I was told in the beginning that the contract was a lease to own. It's outrageous that they are basically stealing from small business owners over and over again without repercussion.

I also have a complaint against Northern Leasing Systems who thinks I owe them a monthly fee for equipment that was returned to them. They want monthly fee for 2 more years, which I refuse to do. I filed a complaint with the Attorney General of Texas, Missouri and New York City. New York is where Northern Leasing Systems is based; however, New York is the only Attorney General who flat out told me they could not help me in this matter. The company is trying to force small businesses to pay them for no service and no product. If that isn't wrong then why doesn't everyone do the same thing. I would hope that most of us are honest people.

Northern leasing is going down.. they did me so dirty to... somebody should crash a plane into that building!

I have had the same problem with Northern Leasing since 1998 and get a bill from them at least twice a year. Even tho they put on my credit report that they have charged it off. I did send them a statue of limiation (SOL) after 4 years (PA) so now they can not take me to court but can still bill me. Next year it will be 10 years.. I just ignore them when the bill comes in. and on my credit report I put on that I have a SOL on the company and send a copy of the purchase order I signed for the machine.. Yes it was a purchase order to buy the machine not lease it and was told I could terminate the bill at any time.. but when i tried they said I owed $1, 700.00 yet for the machine that only cost $1.500.00 brand new. And I had been paying 4 years for it already.. I ask to see the papers they had and I got papers for leasing not the purchase order I had. The signature was not mine. I don't think they took me to court in NY because I live close enough to go there. they try to take people who can't make it to court. I can not believe that they are still at it. I did get in touch with Attorney Krishnan Chittur because I heard he had a lawsuit going against them in case he needed my information on them. He did not need my info but won the case. By the way my machine was suppose to be wireless and it did not work and when i called support they suggested I take it outside to use it.
good luck everyone and if any one comes up with a solution let me know.. Oh, yes , I did also stop paying them right away. And I kept the machine even tho I have never used it because I feel I have paid and purchased it.

MY WIFE AND I ARE DEALING WITH THESE PEOPLE, AND I WOULD LIKE TO SUGGEST THAT IF EVERY ONE WOULD GO TO THEIR ATTORNEY GENERALS WEDSITE OR CALL AND FILE COMPLAINTS, LIKE THE FOLKS IN MISSOURI DID, (IT ONLY TOOK 23 COMPLAINTS TO MISSOURI ATTORNEY GENERAL TO GET SOME ACTION GOING AGAINST NORTHERN LEASING, AND THEY GOT STOPPED.) SO LETS BAND TOGETHER AND GET THESE PEOPLE SHUT DOWN. GO TO YOUR ATTORNEY GENERALS AND FILE THE COMPLAINTS, WE HAVE IN IOWA, AND ARE SPREADING THE WORD. DON'T LET THEM WIN AND DON'T GIVE IN TO THEM. FIGHT! FIGHT! FIGHT! WHAT HAPPENED IN MISSOURI GIVES HOPE TO US ALL. THANK YOU.

I have also been badly ripped off by this group of C_ _ _ _ S. I was busy taking care of customers when this fast talking salesman said he could save me a lot of money on my credit card business. I signed some papers and he told me that I would receive a new machine and if I stayed with the company for 4 years that the machine would be mine. He never left me a copy of the agreement and I did not find out for six months later that I had signed a 48 month lease for 29.95 per month. In any case, it was my fault, therefore, I would just live with it. However, the lease said that if I give the company notice before the end of the lease, I could buy the machine for 10% of the total lease payments. I did just that and they did not respond to my first or second notice. Instead they kept taking money out of my account. I signed a stop payment with my bank. The problem was that the stop was only good for six months and Northern went back into my account and took out several hundred dollars. I went back to my bank and told them that this company had no right to do that and to stop this at once. Again I signed a stop payment and set up a new account. However, again 6 months later they got into the account and hit me for over 600.00. After 15 years with this bank, there is no question that I will be leaving the bank. As far as Northern Leasing is concerned, I will be taking any and all action against them and my lawyer will send letters to everyone that may have an interest in stopping this scam. The owners of Northern Leasing are stealing from small business, just as if they were holding a gun to our heads, and they should GO DIRECTLY TO JAIL!

I agree, same thing here, I am stuck in a four year lease and they are taking 69.35 out of my account every month, not a big deal until you add it up over 4 years, with that amount i could have boughten about 15 machines. It's rediculus. Does any one know how to cancel it or get out of it. It doesn't sound like there is a way? And are we for sure that after 4 years it's over?

I own a small business and can identify with this issue. I was duped by a scam-artist salesman promising lower payments. He even told me it was a 12 month lease and then changed the documents to 48 months after I had already signed. He also told me the machine would be mine after my "imaginary" 12 month lease was up, which is not true. Their customer service may be the worst my employees and I have ever dealt with (rude and snobby). We turned our information over to the Attorney General and would suggest everyone else do the same. Something needs to happen or they will continue to take advantage of unsuspecting individuals. I will not trust another saleman that walks through my door, and that is unfortunate because most of them are probably legit. STAY AWAY FROM NORTHERN LEASING!

Golden Eagle Leasing has been debiting my bank account for 9 years! Lease expired 11/2004. With restructuring of our business, I now micromanage everything and for 5 years after lease expired they continued to debit my account. When I called them, they required the return of a cc terminal worth less than 50. shipping=$10). They will wait 30 days before cancelling ACH to my checking account after they receive the terminal. ALL in ALL, I have paid 4337.00 for a terminal worth less the 50 because they will not stop debiting account even after lease expired! They will only fax a illegible contract and not mail a good copy. The 2nd page of lease I have never seen nor signed. Hopefully, class action status will prevail and victims will get money back and company be put out of business.

I have filed a lawsuit against Northern Leasing System, Inc
in the US District Court For The Eastern District Of California
case # 207cv01877fcdggh ps I want every reporter in the to know this case who would take my story. I already fax to every state attorney general in the country about my case and to ftc, consumer affairs. The bull dogs bit me, I am the pit bull that is biting back and not letting go. Northern Leasing System is messing with the wrong person to be screwing with. The chicken heads are scared. GOOD. Also I will send my case by mail to every reporter in the country, and the media. I am fired up here.
I have disabilities, birth defects but that is not stopping me. I'm not backing down. I am climing up "Amen to that"...

I have similar story to all those Ive read pleasw keep me updated.that company needs shut down

Same story here...our "lease" expired over two years ago and they have been tagging our account for over $100 per month up until last when we closed our account and opened a new one. In total, we paid over $7200 for a machine we no longer have and haven't had for 3 years. (We switched to NPC and used our old terminal as a trade in - they're another story.) We really had no idea the money was even coming out and just happened to question what that particular bill was for and made the appropriate actions. Once they weren't able to access our account and bleed us anyomre, they sure made a lot of phone calls and even called our house during the day. Now they are wanting the machine back -- which is 7 years old and not in our possession -- and want a "buy out fee" of $348.00, plus the last months $100+ they haven't been able to get. I know we should have been keeping a better eye on our finances, but you'd think they'd be happy getting over 7k for a $200 item and call things good. With them evidently not, and now I am not sure what to do, I'd rather not pay them another cent, but I certainly don't want a credit report issue or a court appearnce 1,000 miles away. If anyone has any ideas I would surely appreciate it.

Oh, how I wish I had known more or had been savvier before getting involved with this hustler of a company. Same thing goes for me - was starting a small business, my banker (whom I completely trusted) recommended a salesman to hook up my credit card machine. This elusive, fast-talking salesman seemed slick and shady but I went ahead and signed this incredibly long, hard-to-read contract. He told me that it was for two years and 55$ a month. It turns out it's a 4 year contract of $69.92 per month. Any and every communication I've had with Northern Leasing has been a horrible experience, to say the least. I just don't think that I have a case against them since it was my own naivete that got me here.

Fast talking salesman leased me a nurit 8000 for 4 years, it was supposed to be like 50 bucks a month. it turned out being 108 a month. i stopped paying about 8 months ago. they call me 6-10 times a day. then last week they said they were going to sue me for $3253 and i have to go to NY for court, the machine from multiple websites is only worth at the most $600. i still have the machine, if i return it i know they will say they never recieved it. i only used it twice because it never got reception, it worked like a cellphone. when i complained multiple times they said i must be in areas with bad cellular coverage, i was in palm beach with 5 bars on my cingular cell phone that i was calling them from! Is there anyone in florida who has filed a complaint yet?

Anyone who has had problem, please write me. I am suing them in my home State of Washington. I am asking for a cease and desist order. As many stories as I can get collected will help back up my claim. Please write to me at ajmccarrell_2001 at yahoo dot com.

Northern Leasing & infinity data are the ### of the earth.
Yes they are fast talking salesmen/liers
They not only convinced my wife of their lies but also convinced and allowed her to sign my name to the
contract.and then went ahead with chargeing me more and more every month(I have never even used this equiptment) I have lodged a complaint with the BBB
but really didn't do much good for me anyways,
they are ### and they do call constantly.
They should be shut down they are hurting already struggling small buisness owners.

I am in Niagara Falls New York...

I am about to find out if I have the same problem.

I'm another "victim" of the NL fraud.

After being assured by a representative of Northern Leasing (who, of course, contacted me promptly when I changed bank accounts) that I would be notified of my lease expiration, I did not have a clear indication of my actual lease expiration. I didn't worry; I was assured that "they'd call me".

After fees were continually drafted from my bank account, I began looking for a way to contact NL. I live in a very remote place, and we were only able to gain reliable Internet access in March of 2008. I looked them up, found a number and contacted them.

Their agent, Angel, refused information to me and even hung up the phone. I phoned back two days later...and I ended up with the same rude representative on the phone - Angel. After assuring her I had taken the required steps, including writing emails (to which I did not receive a reply) and mailing back a piece of equipment I hadn't used in years, she forwarded me to her "Team Leader" - a Mr Shawn Williams. He was actually very professional and I thought my ordeal with NL was over.

Come to find out, they tried to draft my account again today. I phoned and this time Zach Bynoe tells me that there is nobody in the office named Shawn Williams, and that my file did not note the agreements (though VERY minimal) Mr Williams made verbally to me. And Zach could only respond to what "his system" noted. (Like it's a client's responsibility what gets noted in their "system"!)

I contacted my bank's fraud department. I'm writing notes like these. I was taken hook, line and sinker from the very first integrity-less salesman who "hooked me up" with this equipment. I speak to hundreds of would-be business owners every year. I can assure you that I will share this experience with them.

Is it the New York Attorney General who receives complaints? I'm the next one in line!

We are also small business owners who have been shafted by Northern Leasing. Our lease expired over a year ago. We were not notified. I called the credit card company to order supplies and they informed me that our lease expired.
Repeated phone calls to this company did nothing but elevate our blood pressure. We felt that we should receive some compensation for the $810.00 that we were charged after the lease expired. That was a joke. The best "offer" was a buyout of the 5 year old terminal for $350.00.We decided to purchase a new terminal from our credit card processor and discontinue business with Northern Leasing.
The terminal was returned to Northern Leasing on March 28th via USPS. I checked our account and they debited us again on May 1st. The terminal was not delivered to them until April 21st. I checked with the post office & the receipt was signed for by "N. Leasing."
Will this ever end?

what can be done about this company, I cant belive that they are getting away with this I had pretty much the same experience.?11921

I returned the equipment to Northern Leasing Systems years ago; however, they continued to bill me monthly. Now, they threaten to sue me if I do not pay almost $1000 to them for the equipment. This is wrong. I'm not paying. They've already ruined my credit and I will not give them the satisfaction of knowing they won nor of getting money they did not do anything to earn.

Im a sales rep in the Merchant service business and one thing you have to understand is that you all signed a legal contract with the mo. payment and the lease term on the front of the application. If you buy a car and dont want it ayear later because the dealer charged you to much for it you cant just drop off the car and expect the finance company to not collect there money. Another thing is you said that you opened a new business and they cant use that terminal because its still under lease with northern leasing. I have news for you that sales rep is trying to sell you a new piece of equipment because the leasing company has nothing to do with the programing of the machine or the processing on it.

Scott

Anyone who is fighting against Northern Leasing in Florida, please contact me! It won't be long until Northern is out of our hair and out of Florida for good!

Joe Bankson
joe.bankson@rocketmail.com

THIS COMPANY IS A RIP OFF AND THEY NEED TO BE STOPPED. THEY ARE FORGING PEOPLES SIGNITURE AND FALSIFYING DOCUMENTS. I WOUKD LIKE TO KNOW WHO OUT THERE HAS FILED A CLASS ACTION LAW SUIT AGAINST THEM AND HOW CAN WE REVOKE THE PREVALEDGE TO REPORT TO THE CREDIT BUEARUE BASE ON THERE HISTORY OF FRADULENT ACTIVITIES AGAINST HTER CUTOMERS?

I too have been swindled by them with an unbreakable lease agreement. 3 years for a sign worth $3k and they want $450 to buyout the lease, otherwise it continues forever. Blood suckers. Run the other way!

Listen guys, Northern leasing verifies the lease with the merchant over the phone before signing you up. Lease terms are very clear. x amount for 48 mths and non cancellable. Regarding processing complaints, its the Merchant processing problems, pls contact your processor if you need further help to activate your machine email me at evoconsultancy@comcast.net

Hey Vic and Scott, what about false contracts and forged signatures? Don't tell me that hasn't happened, I have the evidence.Problem is, they couldn't get the name right.Now they want to enforce an illegal forged contract.

WAMU advertised their Merchant Services to me and put me in touch with an agent of TransFirst their preferred Merchant Services provider. This agent coerced me to sign an agreement by saying that it takes along time to process the application. When the agent realized that I would not go through with this service he put this whole thing in motion and had these companies debiting my account for services I did not use and equipment I did not have. WAMU refused to resolve the matter and I filed a case in small claims court and also reported them with the NYS Attorney General…because from what I understand I was not the only one having problems at the WAMU branch. I registered me with ChexSystems for non-sufficient funds trying to ruin my credit while I don’t owe them a dime. These companies want to get rich off people who work for their money…sorry but I am not buying!

Northern Leasing Systems Inc. is an unethical company no matter how you look at it. Their deceptive sales practices, misleading contracts, horrible customer service and bait and switch tactics are all over the top.

I had a contract with for four years and then I was supposed to be able to purchase the machine for a small additional payment. My payment on the contract is for $49.00 a month but they have been debiting $57.38 from my account for six years. Their explanation is insurance and taxes. They want $309.00 to buy the machine now. I have paid $4131.36 for a machine I used for three months. With that said, it's my own fault that I did not follow up on this sooner but it seems from the other reports here that it wouldn't have made any difference. I asked them to fax me a copy of my contract and the detail pages were unreadable. I have requested they mail it to me as they have not yet mastered being able to communicate by email. In the meantime, I can do nothing about the debits. I will report back as I continue with this scenario.

Welcome to the Club called Ripped & Victimized by Northern Leasing!
Almost 5 years ago we signed terminal leasing agreement with a rep from their company. The lease we signed was to be for 24 months @ $29.95 per month. However, a few months later when I actually received a copy of lease, I was surprised to see that term was changed to 48 months @ $39.95. In reality, they were debiting our account for $46.97 per month, the additional $7.00 for supposed 'Insurance' which we never agreed to or approved. In hindsite, we should had made a bigger deal about the $$ increase at the time. But as we were using the "Lipman Nurit 3020 countertop payment solution terminal" a lot back then, we did not want to go through the hassel of returning terminal...we had no choice but to keep it for the forged time term of 48 months. Our checking account was also debited yearly for $37.80. This for so-called 'Taxes' even though we never agreed to the additional charge or felt it legally due. Where did that money go? Into their pockets? Now it has been almost 5 years and still
they are taking $46.97 out of our account, even though lease term was over a year ago. We have paid approx. $2818.20 for a CC terminal that could buy for $200.00. Plus now is out of date/not to code!

http://abclocal.go.com/wabc/story?section=news/investigators&id=6802369

AHN is a USA based news organization starting an investigative business story about Northern Leasing Systems.

We are interested in what other posters have said about Northern Leasing Systems and would like more information.

We are particularly interested in information that can be substantiated with records, but am willing to speak to anyone who wants to speak to us.

If you would like to contact AHN about Northern Leasing Systems, please email newsdesk@allheadlinenews.com.

HA HA HA! Now I know that I am not alone. I am trying to cancel my contract with them after 48 months . They charge me $54/ a month for 4 years now, even I did not use the terminal because it gave me too much headache. I want to cancel my contract with them right after I use their service for the first month because their rate, fee are higher than everyone else. But they said I couldn't because they will charge me $54*48= $2, 592 even I don't use the terminal. This company is still in business because there are lot of small business being stucked with this big cheating company.

Sick of this company paid them a judgement in June that they put on hold to cancel my contract of 1100 and recieved a letter stating that I had satisf ied my judgement. Closed my buisness three years ago now I have a new charge of 3000. for the equipment told them I would send it back and why did this take so long they said I would still owe them fees. They can kiss my a...s!
Antone suing them or need me to help file a complaint let me know.
Marge momsutz2@yahoo.com

I just read the original post, and quickly skimmed a few.

This is going to be very long and broad at times.

DISCLOSURE, I came across this page and others while researching a career at Signtronix. Seems like they have been beat up similarly at this site and others by commercial consumers with buyer's remorse. Maybe they do have heavy-handed sales techniques, but as a veteran of 28 years in sales I can tell you that it is extremely frustrating that I will make a pitch, offering a creative solution (most recently in mortgage planning for the past 13 years) and then the consumer will take my expert analysis based on research, plus my creative plan that may save them $60k over the term and with no closing costs, but the consumer will then bring it to some bozo who knows nothing (a nephew? a niece? a friend?) and gives them the business so they can save $6 more a month. It should not be legal but it is.

It seems like Signtronix creates signs and then some merchants want to use the design, have it incorporated by a competitor at a lower price and basically steal the copy written idea, hence the complaints about the rep not leaving the proposal for consideration. So their sales methods are designed to discourage this, not leaving any materials behind by which the merchant can exploit the pitchman's efforts and creative ideas, wasting and even stealing the efforts and energies of the sales rep. I wish I could have been able to do this in mortgage planning, but we are required to give up the whole plan no matter what and I constantly lost business to low-ballers who would steal my ideas via the consumer and undercut me. I would sometimes waste months on such plans and making zilch.

NOW ABOUT THE LEASE COMPLAINT, I used to work for a large, direct payment processing company, one of the ones that were "breached". You know who. When we signed clients, we advised them to buy the terminals. We advised them against leases, though we could lease a terminal. I never leased-out a terminal and I never made money selling a terminal. Often I even gave away terminals at my own expense as an inducement. This was the status quo approach. Our costs were very low and the terminals where usable by most other payment processors.

I was well aware that business owners that leased their terminals via rival payment processors were often sucked into exorbitantly expensive leases. (But that is the nature of leasing, be they for cars, furniture, office equipment, etc.) If we sold a unit for $205 - about cost - we would find merchants paying $1500-$3000 for the same or similar terminal over 36 months of leasing. And many merchants were stuck with terminals that only worked for the leasing payment processor, just as with most cell phones in the U.S. I.e., they were proprietary units.

However, to claim you were ripped off is unfair. You were ignorant and stupid, maybe. Not ripped off.

In my experience, those that leased terminals often got very low pricing on their payment processing service - basically at or near cost. That's why I could not switch them with a tangible, financial benefit. In other words, they got the payment processing as a loss leader and the processing company made money off of the terminal lease instead. So you are upset because you could not get both virtually free payment processing AND the terminal for cost. Boo-firggin'-hoo! And don't confuse Visa, Mastercard, Amex and interchange charges with payment processing charges.

And as for canceling the lease, I have reviewed many a competitor's lease agreement and the terms clearly state that the lease is automatically renewed if you do not cancel the lease before the end of the term. You did not read the agreement and manage your contracts properly and now you are upset and want to blame it on the contractor. If this is how you run the rest of your business, I would be surprised that you could endure these hard times. Do you think Fortune 500 companies make these mistakes? Ed Rendell is right - "We have become a nation of wussies."

You did not want to buy the machine, which would have been required by you if you refused a higher cost on the payment processing that would have been required by the processor so they may earn a profit...just like you like to earn a profit. A little common sense and effort to research costs on terminals would have made it clear to you that owning was the better option. You did not do that, did you? That's your failure, not the failure of the third-party leasing company.

Sites like this can be great for consumers. But they can also be great for malcontents and cranks that get upset every time they cannot have everything the way their mommy and daddy told them they could have it. They have become anonymous get-even-forums for those that want to do damage to companies when they don't get their way regarding an unreasonable complaint based upon an unreasonable expectation. (Or they are weapons for shills of rival companies.) I saw this attitude all the time in 14 years of working bicycle retail regarding bogus warranty claims, after the consumer or his/her kid crashed a bike and wanted a refund on the damaged bike. I'm glad we did not have the internet then. We would have been closed by consumers that were upset that they could extort an unjustified warranty claim.

To address a broader societal issue of which I have become quite acquainted, and at the risk of generalizing, why is that most business owners do not come from modest beginnings (thought they like to think they do), being born on at least second base, [censor]ing about taxes when most of them pay little or no true income taxes, and feeling they are entitled to everything and if they do not get it, they have been "ripped off"? Answer: They are too self-actualized, egotistical and spoiled.

CASE IN POINT, my gentle, wonderful, intelligent and hardworking girlfriend is a waitress at a restaurant in Wellesley, MA - a very, very affluent town - and she mostly gets microscopic tips from people living in $2M homes and driving Maybachs, BMW's and Caddys. Last night she got a $9 tip on a $120 tab from a group that arrived shortly before closing time and stayed until 40 minutes past, talking, talking and talking, knowing full well that the staff had been waiting to leave for 40 minutes while they [censor]ted. How about a $50 tip if they are going to do that?

IN CLOSING, "let the buyer beware" that sales reps and the companies for which they rep need to make a living and will have to find a way to make money off of your business. In other words, you can make a salad at home for $1. You can even grow it for $0.10. But if you want to eat it in a restaurant, you will pay $9 ($6.50 price + $2.50 tip). You made that decision and you are obligated to honor it after you have eaten the salad. You are not entitled to complain that it should cost $1, after the fact. You should not complain if they decide to price it as salad= $1 and tip =$8.00. You still need to pay $9, no matter how creatively the deal is detailed. That's the way your payment processor structured your payment processing contract and lease agreement, making money on your lease deal while making a sliver on your processing.

Sorry this was long, but after reading for two hours the rants of mostly spoiled rich kid-business owners complain about how they have been "wronged" I just had to vent it out of my system

CONSUMER WARNING CROOKS, LIARS, CHEATERS FRADULENT COMPANY PRACTICES

Over the last 6 months there has been an ongoing scam in Spokane, WA that relates to small businesses and credit card services. Seemingly offering a good solution to the rising costs of offering credit card purchases; the hook? Wholesale prices for swipes. The reality? Three times the costs and then once the company has access to your business account they start taking out extra amounts that repeat and increase each month. In some cases double billing customers and forcing the merchant to be responsible for reimbursement. Customer service calls cost more than ten dollars per each call. Then there are the unexplained costs. The 16.99 and the 69.99 then the demand for paying taxes every other month of $27.99 this is all before the cost of the swipe. How do I know? A very close association with someone who got scammed. Pulling out the my wife died and I am left with 3 children to raise by myself, one particular salesperson raked in several business persons before they caught on and began passing the word. What is the name of the company?
Northern Leasing Equipment, now say that another 10 times….don‘t read on, say it: Northern Leasing Equipment is a company that has very bad business practices. And they do not care if they break the law.
Now remember this company is running a scam do not give any salesperson the time of day if they tell you they are selling credit card services through Northern Leasing Systems. The fact is what they are selling is a shell game, they either allow someone who has been fired from their company to ‘sell’ services without telling you they are someone else or they do not send you the machine and then bill you 4000 for a 400 dollar machine. Then they also take money out of your business account without telling you what the bill is for. Oh, and then they also send you random bills for ownership of the machine and say you have to pay government taxes.
If you run across sales people that offer you the moon DO NOT BELEIVE THEM. Call around
In Spokane DO NOT TRUST GENE OLSON, SHAWN BLAIR, DWIGHT OLSON these three men have allegedly been a part of scamming small business people in the Spokane AREA.
So if you are in need of credit card services go directly to your bank they have direct access to official companies that offer legitimate credit card services.