Sun-Tec Solar Energy Sun-Tek, Sun-Tech, Sun-Tec, Sun-Tec East Coast, Sun-Tec East Coast. also D/B.A. ISPC Liars, Cheaters, Scum Bags all engineered to sell a finance contract from ISPC Clearwater,  Florida

In Florida any business that sells something with a finance contract has to be licensed by the state with a Retail Installment Sellers License (Chapter 520 Part II) Sun - Tec (legal name LSCI Inc) does not have this license. Nor does its owners: David Larkin or Heng Phu. Under Florida law, the company must be licensed, the owners, and ANY salesperson who represents the sale with a finance contract must carry a license. This license is issued by the Florida Office of Finance Regulation. It requires Fingerprints, Background check, and fees. It invites the government into the life of the licensee. They can look at the licensee's business or personal bank accounts ANYTIME without permission. They can supervise the individual with scrutiny if there is any complaint. The IRS LOVES this license and any applicant who holds this license. 

Most of the companies (or sales people) using the ISPC financing will probably not qualify for this license.

To read the FL. ST. you can go here:http://www.flofr.com/staticpages/retailinstallmentsales.htm#ApplicationRequirements

For example, to file a complaint against Heng Phu with the state for not having the license and operating illegally, you could go here: https://www.myfloridalicense.com/LicenseDetail.asp?SID=&id=4147269E7EA88480389E62D357AC9B79

To find corparate legal info on Sun-Tec you could go here:http://search.sunbiz.org/Inquiry/CorporationSearch/SearchResultDetail/EntityName/domp-p09000002023-e661636d-66c2-40c6-b3d6-2a1b81aa65e8/LSCI/Page1

The ISPC (The Independent Savings Plan Company - Owned by: The Levers Edge) company was recently the defendant in a class action lawsuit. That case is under appeal now (they report they won the case which is untrue). The attorney who brought the class action is now suing the ISPC company again (Orange County, FL. Case No. 2014-CA-006387-O). The attorney's phone number is listed in the public record online when you look the case up on the orange county website (http://myclerk.myorangeclerk.com/default.aspx). 

The Florida Bar website is a great place to find information. For example this article tells how finance companies are legally responsible for the actions of companies using their financing: https://www.floridabar.org/divcom/jn/jnjournal01.nsf/Author/0FA9413D1895110985257AA60048CB19

Florida Appelate Court Ruled:

Prior to the passage of the FTC Holder Rule, many consumers were caught in a “no win” situation when the seller failed to remedy the defect either because of its unwillingness or its disappearance from the market. The institutional lenders then took advantage of protections under the holder in due course doctrine when the consumer sought to assert seller misconduct as a defense to the predator’s suit for payment on the note. The rule is expressly designed to compel creditors to either absorb seller misconduct or seek reimbursement of those costs from sellers.

If you have been wronged by this company or any other company, don't let them get away with it.