I had two windows and new front entry system, and aluminum railing for a rear deck installed. This was all financed through TD bank for a year. The down payment should have been placed on the loan or refunded to me. Job was completed in Dec 2011 and loan started Sept 2012. I have not received any payment regardless of voice or e-mails. I have been paying my down payment again on the fourteenth of every month since September 2012. Details are as follows: Dealing with Ultima was an experience that I would like to put behind me. I have not yet received the refund of my down payment cheque that was owed to me once the job was completed. I had completed a finance contract with TD for the full amount of the job which included a new front door, two windows and an aluminum railing for the rear deck. I was informed by Jason Garcia that I would receive a refund of my down payment that I provided in August 2011 once the work was completed. Well the job was never completed until December 2011; the late installation from an August order should have been an indication to me. The job was completed in December 2011 and I was ensured by Jason that I would receive my refund of the down payment by cheque rather than on my credit card which the down payment was originally completed with. “That’s not the way they do it” was the response that I received from Jason. I also indicated that the loan amount should have been reduced by the down payment amount, but again Jason ensured me that I would receive my cheque. Well, that’s when the calls and e-mails started to Ultima. This can be validated from my cell statement and e-mails that I have been sent from December 2011 to September 2012. In August Jason finally did call me on my cell phone and stated that I would pay the amount of the loan less the down payment and he would look after the payment including interest; and we would be in constant communication from that point on. Like a fool I agreed. September 2012 was the month that the loan came due from TD. Lets’ say the communication was one-sided; I called his work and cell phone and have not received a response. Actually his cell from mail box will not receive any messages because it is always full. Jason or Grace his secretary at Ultima have not returned my phone calls or e-mails. I have been paying my down payment again on the fourteenth of every month since September 2012.