Josef Toth , Universal Merchant Service ATM , MPC , Multipoint Processing Corp Josef Toth is a liar, manipulator, thief, and is not a man of his words !! Ferndale, Internet

Josef Toth out of nowhere came to my liquor store at the right timing. He was selling ATM's and I needed an ATM. Although there was a huge delay, I finally got my ATM and I guess that part worked out fine. I wish communication just ended there.

He later came back to my store with another man. He tried leasing me new credit card machines, cash registers, and other equipment. He convinced me to lease this machine that sold phone cards and it would cost me $35 a month, and that I would make approximately 40% profits from selling the phone cards... What made me sign the contract is that he told me that if it wasn't working that he would take the machine and put it in a different store. I said to myself, what the hell, it's only cost me most $100, I minus well try it out. 

After a month I found out that the machine was costing me $39.99 + tax, +$5/month for insurance, + $100/year for insurance, +10$ a month for the phone card service.  On average I was paying about $60-$70 a month. Also, I later found out that I was only making about 4% commission in selling a phone card.  When I called Northern Leasing (the company that was debiting the money from my account), they couldn't have been ruder. They wanted like $2500 to get out of my contract. I could have bought the shitty equipment for like $300. 

After hundreds of emails (litterally hundreds) with Josef he is unable to help me, even though he guaranteed that he would take out the machine if it wasn't working. I actually since then just shipped the machine back to Northern Leasing, because it doesn't make sense for me to keep equipment here for no reason, and now I don't have to pay the property tax and insurance for it since it is no longer in my possession.

I still have 2 years of contract left with this shitty company Northern Leasing. I don't understand how a business like them can stay in business. I mean isn't the government suppose to help us when they are scamming all these people?  Josef is also just as bad. He is fully aware of what he did to me.  I mean he flat out told me to try the equipment and if he didn't like it he would take it out. When I told him it wasn't working, he made up all these excuses and said he was unable to help me. Also, I signed one paper, and when Northern Leasing sent me back the contract, the contract has like 5 pages. He didn't even bother showing me the other pages!!

Josef, look what happened now... You made $200 or whatever on commission, but because you ripped me off, your name, company name will always be on this web site. I will gladly take this report down as soon as you get me out of the contract and recoup my money lost (like originally promised).