Checkmate

They claim to search arrest records to find out if the person you are searching has an arrest record. I have no arrest records and searched my name and other one, and they came up positive. They are trying to get people to believe there is an arrest record thereby paying for a report then having the check come up clean. False Advertising and unquestionably deceptive.

My dryer circuit board broke and they came, requiring $125 in cash to be applied to the repair. CJ said the repair would cost $488 for a new circuit board and we must write the check so that they could order the part. We gave a check for the balance and two days later CJ returned saying that the part was loaded onto the wrong truck which was in Remsenburg and he would return in an hour. He never returned.

I called later in the day and they said that the part had not arrived and would be delivered on Friday. On Friday, Jimmy arrived at the house and when I asked, said he had "no new parts on his truck." He put the dryer which had been disassemled back together and it did not work. I called them and they said that they thought the motor had to be replaced for $300+. I told them that we wanted the part for which we had paid which was not installed since Jimmy had no new parts on his truck.

I called subsequent days and Larry hung up each time telling me it needed a new motor and we didn't want to pay for it. I told him that the dryer which would work intermittently when the board decided to, was functioning that day and no new motor was needed, just the new part so that I would have reliable dryer action. He hung up again.

I have since had another service man who said that he was aware of the scams that this outfit conducts and that we simply needed a touch pad which is $240. Unfortunately, we have been "had" by Checkmate. I have more details and notes on each and every conversation that I had with this outfit. We are out $488 and I just want to somehow stop very professional FRAUD on their part and put this man out of business of taking money and providing no service.

I had a house constructed in 2004 and was directed by the builder to use Checkmate (it was his house until the closing so I was limited in choices) I thought one alarm company was a good as the next. Under pressure to keep costs down I contracted the alarm company for a central station alarm for 5 years, which ended in May 2009. During this 5 years I had many problems with the alarm- it would go off on it's own and also when it went off I was not called by the police or the fire department- so therefore the central station wasn't getting the signal. Since the installation the alarm company was instructed that I was using Cablevision as a phone company- on 2 occassions I asked the alarm company to come to the house as I was having problems- in both cases they blamed the non-signal on Cablevision and of course Cablevision said it was the alarm company.

In May I instructed a new alarm company to update the alarm. At this time I called Checkmate- it was a Saturday 5-9-09 as I was returning from a Communion Party and left a message from my cell phone that I replaced the alarm and no longer wanted their services (I didn't sign their contract when they sent it to me to renew). In this past Tuesday's mail I received an over due bill for 6 months of service (I don't believe I was ever late in payments in 5 years).

I called and left a message Tuesday night and received a call from Jeanne on Wednesday. Jeanne wasn't very nice and explained that I needed to put the request in writing! She has no record of receiving the call and the contract has no bearing on wether the service is continued or not. I said her service was disconnected in May so how could I be billed for something I didn't have not to mention that I was paying for central station coverage for the last 5 years and didn't have it! This went back and forth and at this time I am sending back the bill with cancelled on it. The bill is from May 1st to Oct 31th. (I went to closing on 5-6-09 so I assumed the contract started on that date since I didn't own the house until then and Cable couldn't install the cable until after I moved in (again another farce)).

Checkmate offers payday advances. A $400 loan will cost you $70 every 2 weeks. They will allow you to continually roll this loan over and keep charging you an additional $60. There needs to be limited to only extending the loan 4 times (or less). Maybe an extension should not be permitted at all.

They are not clear that your bi-weekly installment does not impact the principal of the loan. Like credit cards and other loan institutions, they need to be required to create a minimum payment that impacts the principal. They also need to be responsible to run a credit report to see if you are credit worthy. Lastly, they should be required to do a reference check to make sure that their clients understand that a payday loan will end up costing them a minimum of twice the loan amount.

These loan places do not have a central database. So you can potentially have 5 payday loans going in one pay period (IE $2000 in loans, and $400 bi-weekly fees)

$750 in loan fees as a result of extensions. Also, they were not clear that the principal was not going down.