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Household Finance

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Marilyn of Emmaus, PA February 18, 2010

My husband & I had a loan with household finance. Due to my husbands illness and multiple medications we got behind on payments of one month. When I spoke with them, I offered to pay half the month that we were behind on. They refused. Finally, I spoke with someone that suggested I send information requesting their hardship. I obtained all the information that they required and sent it to them. Christmas eve I received a letter only stating that the hardship was denied but I had 30 days to appeal the decision. There was nothing in the letter to state why it was denied.

That same day of receiving the letter, I wrote a letter of apeal and sent it out. this occured in December, and then January 30 my husband unexpectedly passed away. One week after his funeral, my door bell rang and it was a sheriff with forclosure documents on my home. I was already shocked and greif stricken over the loss of my husband of 30 years when this horrible event happened. I had never received anything back from household regarding the appeal from the hardship. I was beyond devastated. I became very angry and decided I would make sure I sold the house because there was no way they were getting the house that we worked so hard for. I got an offer that would cover what I owed household and some taxed.

When I called the forclosure department to get the information, they gave me a hard time. I had to keep calling to get the payoff amount etc. Before I sold the house, Household called me and offered to just take the house. I refused and brought up what had occured with the hardship and "appeal" and that was ignored. While getting ready to settle on selling my home, they kept ignoring my questions about what was still owed. I spoke with the head manager of the foreclosure department multiple times and he told me there was an additonal 12,000 in fees that occured because of the foreclosure. I asked what these fees were and was told that he did not have to disclose them to me. I asked and called repeatedly to find out what these "fees" were(12,000) and was not given an answer. This went on up until the day I closed on the sale of the house.

Before the settlement, I called the same manager again and we had a verbal battle regarding these "extra" fees. Finally, he stated that household had paid 3500 for taxes, My mortagage DID not include taxes. Taxes were paid by my husband and myself. So I asked him for the exact amount, the check number for this and when it was cashed. Suprise, he could not give me any of this data. So I contacted my tax office, explained the situation and the women confirmed that they NEVER received any money from Household finance for any taxed on the property. She was even kind enough to print out all the payment that my husband and I had made on the property.

When I called the foreclosure manager back and spoke with him regarding this, he got irate and said again they do not have to disclose what this money went to. I continued to stress I need a breakdown of the fees for closing when he said they also paid fees for "Homeland Security" on my property. I jokingly said, did they do drive bys and he said yes. I was beyond speechless when he said this. That same day when I went to close on the sale of my home, the attorney asked me what this fee was for and I told her exactly what was said to me. Everyone looked so shocked and her comment was in 20 years of doing this for a living, she had never heard of this. I still had the paper work from the tax office also with me but she said there was nothing they could do about it.

I also just found out that they have a false loan on my credit report, a loan we never had with them. I don't even have a number to talk with anyone. the house loan was paid with the sale of our home. This other loan we never had but it is on my credit report.

Robert of Battle Creek, MI February 17, 2010

September 22, 2008 HouseHold Finance call my wife and about get a refinace mortgage to lower our payment from our present one and the sale person did not sign his name only used the finance company name and we were told after a month they need to get an appraisal of the property after one month the appraisal was done in the mean time HouseHold finance call my wife in to discuss how they would let us borrow 15000.00 and that would go back on the Mortgage, my wifeand I agreed to the term 15000.00 dollars which they fail to tell us that the Mortgage loan was not approve,in the mean time the saleman inform my wife and I about other services that HouseHold Finance offer and we could try for (30) Thirty days which make our loan over 15000.00 when he added thing such Joint Life Single Disability and single Unemployment, before the thirty days we cancel all the extra services that he offer, after canceling the extra service that would have the loan at 15000.00 dollars now after year we have been paying on something that we cancel and Household Finance fail to remove those charges. We have call HouseHold Finance many time to get this matter corrected.

John of Streamwood, IL February 16, 2010

Well HFC I guess you won. I am now filing bankruptcy. I sent an email to this site about 3 weeks ago. (John from Streamwood, IL)I always made my payments on time so I guess that was a mistake. I let you drain every last dime out of me and I just can't go on. I will miss my home but I won't miss HFC. You are the biggest blood suckers I have ever had the displeasure to work with. I can only hope that you end up selling my home at a loss and that you treat the new buyer (if you get one) the way you treated me and my wife so they file on you again. You had a good thing going with us but, you wouldn't play fair. Good-bye HFC.

Tull of Gillsville, GA February 5, 2010

Our house was damaged with tornado activity in April 2009 we filed a claim and the insurance paid fairly quickly but because of the mtg on the property we had to go through HFC loss draft department. The estimated time for repair was 2-3 months, we still do not have these repairs completed due to the errors and failures on the part of the loss draft department.

1. First the initial check for 27,000 was sent to the uninhabitable property address, when trying to find out where the initial check was no one could give us this information (from the loss draft department) and the insurance co. ensured us it had been sent out. Loss draft insisted they had not received it. Well as a result of a theft at the property, the check was found in the house under the front door. It had been sent Fed Ex without a signature required. The documentation had the loss draft's address. When we called the loss draft they sent it was the insurance company that had sent the check, they were rather surprised that the letterhead inside the fedex had their letterhead and the correct mailing address for us. Five months later, we sign the check and send it back to loss draft as instructed, and 30 days later a check is cut to the contractor and us and construction begins.

2. Check check no issue

3. Third and next to the final check, the loss draft received all the information they need to issue the check on 12/23/09; however, today 2/5/2010 we still do not have a check due to twice having the payee wrong on the check issued(this was all internally within HFC) and today it is indicated at least another 7 days. We have tried to escalate this but have run out of avenues.

This process that should have taken 2 to 3 months is going to take close to a year. We have tried to get HFC to work on modifying the loan because of their error and have sent 3 different financial packages to them and we have even tried calling the loss draft department daily. NOTHING HAS WORKED, PLEASE HELP US.

John of Streamwood, IL February 4, 2010

We have been with HFC for 14 years and we have fallen on hard times but have never been late in a mortgage payment no matter what we had to do to make the payment. We refinanced with HFC in 2007 at a 9.83 interest rate because our home was worth more at that time and our mortgage person said we had such a good credit score (783) that HFC gave us more then our home appraised for. We were told that within a year of making payments on time that we can refinance for a lower interest rate. When the time came we called our mortage person to refinance at the lower rate and were told HFC is not rewriting any loans. When we refinanced, our loan officer coached us on how to get HFC to rewrite our loan. I believe we were mislead by this person so he could make his quota for the month.

As time went by I lost my job because of cutbacks so I ended up finding another job but it paid about 25000.00 less per year than what I was making but we still made our payments on time. I work in the moving industry doing sales and of cource homes aren't selling thus no sale no commission. My wife also works so we can mantain our home. In March of 2009 HFC helped us with a 6 month modification and brought our interest rate down to 5.25% at the end of 6 months the interest rate went back up to 9.83 even though our income was less than the year before. We applied for another rate modification, which took 4 months to be approved at 9.03% for 6 monthe which didn't help our situation.

We tried to discuss this matter with HFC and all they could tell us was that we were not part of the bailout that was afforded to Freddie Mac or Fannie Mae so the only thing they could do for us is FORCLOSE on the property. We can't borrow anymore from family or friends to pay the VIG that HFC wants. Both my wife and I are in our late 50's and I even move furniture on weekends to keep my home. (I'm getting a little to old for that but I do what ever it takes). All we want is to be treated fairly and like human beings. If you are even thinking about using HFC, please think twice or maybe even 3 time before you let those blood suckers gey thier hands on you. It's a shame that after all these years of dealing with HFC that they won't consider people who pay thier bills on time and give them a break by granting a fair interest rate so people can keep thier homes. Dear HFC, I guess you will now be stuck with a home that is not worth whats owed on it because we are upside down but are willing to make our mortgage payment on time if you would only be fair. SHAME ON YOU!

patricia of gaston, SC January 28, 2010

In 2007 I was given Power of Attorney for my mother in law.Then she was disabled and had to have help with daily activities. She Is 78 years old and has been bed ridden for 5 years,she also suffers from dimentia. well we got a letter in the mail saying she owed this money...13,000.00. I called and these people did not have her birthday, or her social security # right. The woman told me it was a misunderstanding and that i would recieve a letter to comfirm.

I never heard from them anymore. they have never called even though our # has always been the same.yesterday...january 26th 2010 i recieved another letter where they have now put it against her credit and are going through a collection agencey. they say thay have her social security number and that she owes this money in the letter. well 1st of all thae name on the letter does not match hers, they still have not called here. there is no way in this world she has gotten this money. there is no way they have her signature.I have tried to find this company to show proof but these people im talking to say they are just a collection agencey. what do we do?

We are not able to get a repair loan on the home that we have lived in since 1984 because this is against her credit. our roof is leaking, the house is in of repair badly. there is a hole in the wall in our bathroom where u can see outside. all of our windows are way out of date and leak very badly. so much wrong i cant list it all.

leona of andover, NY January 25, 2010

friday jan 22,2010 i received a judgement against me for over 7500.00 dollars supposedly from 2004. i do not remember ever having anything to do with household and have received nothing from them in all these years! now they want me to pay something i know nothing about??????

Mike of Parma heights, OH January 7, 2010

I was layed off Dec.1 2008 I applied for hardship through HFC and recieved it for 6 mos. When that was over they never contacted me to see if I was still in the same financial situation, which I was. By the way I live just outside Cleveland Oh. When I recieved my first bill at the regular payments I was shocked. My financial situation had not changed. I was recieving up to 5 calls a day from HFC asking if I could make a payment over the phone for the outstanding amount. I told everyone that called that I was sending as much as I could but these payments were leaving me broke with no money to live on.

When I finally spoke to someone at the hardship department they told me that the hardship only lasted for 6 mos and I would have to refile. I sent them ALL the information they requested. While waiting to hear from the hardship department the phone calls kept on coming. They started calling at 8:10A.M. and continued all day until 8:55P.M. Finally I recieved a letter telling me I was denied. Nowhere did the letter tell me why, just I was DENIED. Finally one of the PEOPLE calling me let slip that I was denied because of lack of paperwork, meaning I did not send them everything they needed. I sent what they told me to send. So this PERSON told me to send more paperwork(33 pages of information)to the hardship department.

It is now Jan.7 2010. and the phone calls have started again. the PERSON that called at 8:10A.M. this morning said she saw I had a pending amount on my home loan but SHE was calling about an unsecured loan I had and there was an outstanding amount due on that and could I make a payment over the phone this morning. I asked does your computer show that I have applied for a hardship, her answer was yes, but could I make the outastanding payment. I told her making the other payment left me with 29.00 until my next unemployment check. Which is a week away. Yes I yelled at her, this is crazy.

This constant harassment on the day after the payment is due is driving me nuts. I had never missed a payment on any account I had with them. Even when I was on the hardship I made all the payments. Yes we now get our food from various food banks and we are down to 1 or sometimes 2 meals a day, BUT they get their money. The amount I have been sending for the last 6 mos. was the amount of the hardship payments I had for the prevoius 6 mos. BUT that was not enough to stop the phone calls.

Making complaints to the PEOPLE on the phone does no good and the attorney general seems to do no good either. I have read where HFC has a new CEO IF these are the practices he has implemented in this time of financial ruin for most people I hope he sleeps well at night. I am a union worker and in Cleveland Ohio there is no work in the construction field. I cannot find other work because of my age and what work I can find I would make less than what I recieve in unemployment. By the way is 308.00 a week.

By making what payments I could to HFC I still was unable to pay my property taxes for 2008 and am now looking at having to sign a contract with the county to pay 132.00 a month for 3 years, to save my house I have lived in all my life, from the county taking it. So who do I pay HFC or the county. Who gets my house that I have lived in for all my life, HFC or the county. When will this meat grinder I am living in stop, where do people like me get any resolution to my problems.

I guess my next step is to wait for HFC to review my new hardship, unfortunately I was denied once and I feel it will happen again. I have no money to buy anything extra, Our christmas was meager we spent 10.00 on gifts for each other. We can barely afford gas to get to the food pantries. I personally feel like crawling in a hole and dying. I feel like a looser that I cannot provide for us. My wifes and my relationship is strained because of my frustration. I am always mad at everybody and everything. I cannot watch the news because I hear of all these things the government says they are doing and I do not see it. I am loosing weight and I am 6" tall and down to 140# which my doctor informed me is bad for my health. I cannot afford my heart medication which is only 4.00 a month.

The stress of all this is keeping me awake at night, I hate the world and everyone in it. I am disgusted with our politicans and president. Where is all this help WE were supposed to get I DON'T SEE IT. I was making enough money when I was working to give my family a decent life. Now all I do is hate everything and everyone! This economy is not my fault but My family is suffering and so are many like me. WHAT DO WE DO, WHO WILL FIX IT I CANNOT ANYMORE. Maybe I should die at least My family could get my social security benefits or some other help we cannot get because I am alive. This will probably happen since I cannot afford my heart meds.

Ellen of Flushing , NY, NY January 7, 2010

Attorney generals in several states sued household finance corp. for predatory lending. My interest rate went from 10.5 to 3.5 fixed for the term of the loan. You should contact Washington d.c. national colation of reinvestment into the community. The revolving line of credit has been disputed also.

george of ware ma, MA December 14, 2009

they are unwilling to take payments on a debt i owe to household finance. I am working with nationwide asset services out of arizona. They tried to settle the account with household finances Attorney Mr C. They refused. I called the attoneys office myself and offered 400 dollars a month on the 16 thousand i owe they refused.

The attorneys office wants a down payment of 24 hundred dollars then they are willing to take payments. I dont have the 24 hundred down they want. So the women at the attorneys office said Unfortunatly we need that down payment. the thing is Im willing to make payments every month and they wont take it.

they are planning on wage garnishment. According to the letter theAttorneys office has sent me. I lost my overtime at work my funds are limited. HELP.

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