A Unicomer Trinidad charge on your statement almost always comes from a purchase or payment at Courts or one of its sister brands. Unicomer (Trinidad) Limited is the registered company behind Courts, Courts Optical, Courts Ready Cash, RadioShack, Ashley HomeStore, Lucky Dollar, and Servitech, so transactions at any of those stores can post to your bank or credit card under the corporate name rather than the storefront you recognize.1Unicomer Group. Sustainability Report FY24-25
What the Charge Is Likely For
Large retail groups bill under the legal entity, not the brand on the shopfront. For Unicomer Trinidad, that means a single descriptor can cover a wide range of transactions:
- In-store or online purchases of furniture, appliances, and electronics from Courts
- Monthly installments on a hire-purchase agreement
- Repayments on a Courts Ready Cash or Ready Finance cash loan
- Courts Optical products
- Delivery or service fees
- Monthly Courts Access subscription payments
If you or someone on your account shops at any of these brands, start there before assuming the charge is unauthorized.2Courts Trinidad and Tobago. Cash Loans
Recurring Charges to Check First
Most unexplained Unicomer charges turn out to be scheduled payments on an existing agreement rather than a new transaction. Three products are the usual sources.
Hire-Purchase Installments
If you bought a large item on hire purchase from Courts, your monthly installment posts under Unicomer Trinidad. The amount should match the schedule you signed at the point of sale.
Courts Ready Cash and Ready Finance Loans
Unicomer (Trinidad) Limited is licensed under Trinidad and Tobago’s Moneylenders Act to issue unsecured cash loans of up to $30,000, marketed as Courts Ready Cash or Ready Finance. The company began offering these loans to the general public in 2018.3Trinidad Express. Courts Cash Loan Only After Hire Purchase Loan repayments show on statements under the Unicomer name.
The cost of these loans is worth checking against your own paperwork. The Trinidad Express reported in 2020 on a $15,000 loan repaid over 24 months that required total payments of $22,200, meaning the borrower paid $7,200 in interest, equivalent to roughly 24 percent per year. Courts describes its interest rates as “affordable” but does not publish a specific rate on its website, telling borrowers they will know “exactly how much interest you will pay each month” after signing a promissory note.2Courts Trinidad and Tobago. Cash Loans Courts states that no processing or administrative fees are charged on loans.
If the loan amount on your statement is larger than you expected, the interest portion is the first thing to confirm against the promissory note.
Courts Access Subscription
Courts launched a monthly subscription called Courts Access in August 2025. The standard tier is $67 per month and the premium tier is $84 per month, with the premium plan including same-day delivery, free installation on select products, and roadside assistance.4Trinidad and Tobago Newsday. Courts Launches Monthly Subscription Service A recurring $67 or $84 charge from Unicomer Trinidad is likely one of these plans.
Delivery Fees and Foreign-Currency Conversion
Delivery charges are easy to overlook because they are not included in online prices. Courts charges $250 TT for items weighing 70 pounds or more and $50 TT for lighter items, and the company notes these fees can be adjusted at its discretion.5Courts Trinidad and Tobago. Delivery and Pick Up Store Additional charges can apply if the delivery conditions are not met, for instance when no one over age 18 is present to receive the item or access to the delivery location is restricted.
If you paid with a foreign-currency card, the amount on your statement will not match the TT dollar figure on your receipt exactly. Courts’ terms state that conversion is handled at the company’s own rate at the time of processing.6Courts Trinidad and Tobago. Terms and Conditions
If the Charge Looks Wrong
Start with Courts. Many disputed charges turn out to be a scheduled hire-purchase payment, a loan installment, a subscription renewal, or a delivery fee posting under the Unicomer corporate name rather than the storefront. Have your statement line and any receipt or agreement numbers ready when you call.
If Courts does not resolve the issue, the Consumer Affairs Division of the Ministry of Trade, Investment and Tourism handles complaints about goods and services from retailers. You can file a complaint by phone at 800-4CPS or 868-623-2931, by email, or in person at offices in Port of Spain, Chaguanas, Penal, Couva, and Point Fortin.7Consumer Affairs Division, Trinidad and Tobago. Consumer Affairs Division The Division can facilitate refunds, exchanges, and credit notes.
Trinidad and Tobago’s Consumer Protection and Safety Act gives the Director of Consumer Guidance authority to investigate trade practices that mislead consumers about their rights, impose “undue pressure,” or result in inequitable terms. The language is broad enough to cover disputed billing, undisclosed fees, and deceptive advertising of financial products.8Ministry of Trade and Industry, Trinidad and Tobago. Consumer Protection and Safety Act, Chapter 82:34 Businesses that persist in detrimental conduct after being warned can face fines and imprisonment under the Act.
If you believe the charge is fraudulent rather than mistaken, contact the bank or card issuer that produced the statement in parallel with Courts, so the card can be reviewed and, if necessary, reissued while the retailer investigates.