Same as the previous two guys. The old bait and switch.

Paradigm representative J.W. showed up at my business asking to see my old processing statements. He ran a bogus analysis showing how much money they could save me. I asked why I needed the credit card swiper when my POS already was capable and he told me that because they don't make money on the processing, they make it on the Ladco lease. I said OK, we shook hands, and I signed.

A month later my first bill arrived and the rate was about double the quote. I complained to Jessica at Paradigm and she said she'd move me into the A+ bracket and I'd see the promised savings. Those savings never occurred.

The next step was to call Ladco leasing and file a complaint. I spoke with Chris, a manager, who was initially helpful. He asked that I send him a letter and documentation of the representations made by Paradigm. He would then send them up the chain of command. If my complaint was deemed valid, they would try to pressure Paradigm into refunding what Ladco had paid them and possibly let me out of my lease .

A week later I spoke with Chris again and he stated that although I was clearly "given erroneous information" there was nothing he could do. I then told him I'd be contacting a lawyer and he curtly told me our conversation was over.

Since then, I've talked with two lawyer friends of mine and they pretty much told me they are not doing good business in the least. I even have the original documentation of the quotes. Nice legal system.

Bottom line is I now pay about $400 more a month than I did before. I'm told if I break the Ladco Lease I'll owe around 5K. Paradigms another $750.

My next step is to file formal complaints with the secretary of state for both CO and AZ but I'd be surprised if anything comes of it. The problem is that this industry is the new mortgage biz and there are scumbags everywhere. If anyone has any suggestions I'm all ears. Stay away from both of these companies.