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Tracy of Buffalo, NY October 27, 2008

Tracy of Buffalo NY (10/27/08)
Paid off 2 credit cards at the same time, they both have the same conformation #. Thay took one payment from the given checking account and took 1 payment from the checking account on file (which was not autorized) They were suppost to take both payments from checking account #1. I now have a checking account that is -2,250.00 and climbing, I have well over 500.00 in insufficient fund fees and bounced checks. They said this could take weeks to straighten out and with a husband home with a broken neck and 2 children this is a (credit card) mistake that i cant handle rite now. The first time we called they threatened to call the police on us for yelling then hung up on us. The 2nd time we called they said i have to fax them all my bank information and then they'll be in touch, but its going to be hard to do considering im -2,000 something dollars short in funds!

I have hundreds of dollars in fees that i owe to my bank, I have bills that cant be paid, i have no money to get groceries, gas etc. Im stressed as it is having a ill husband at home with 2 kids and moneys tight as it was with everything going on with my husband. This was a financial burden that i was trying to fix but instead became a bigger problem and a burden on my family.

Trisha of Titusville, FL October 19, 2008

Trisha of Titusville FL (10/19/08)
have a mortgage with them and they will not work with me withbehind payments and keep adding late fees. would love for someone to look into this company. i need help before i lose my home

David of Greensboro, NC October 15, 2008

David of Greensboro NC (10/15/08)
My wife and I received a personal loan from household finance approximately 5 years ago. We made payments in the amount of 372.00 for 3 years. Although we were late a few times, we always made the payment. After 3 years we owed more on the loan than the original loan amount. When we asked for an explanation we were told that our payments had gone to interest and late penalties.

We would have kept a closer eye on our account, but coorespondence with HFC is very difficult. They refuse to give any information about the account including payoff information over the phone. Everything has to be submitted in writing and then it takes forever for them to respond. Since we owed so much on the loan, a representative convinced us that it would be in our best interest to refinance our mortage with them and payoff the original loan. Although the interest was extremely high, close to 10%, we were told the interest would be reduced if we made payments on time for the 1st 6 months. When we inguired about this after 6 months they acted like they didn't know what we were talking about.

We currently owe more on the loan than the original loan amount and are trying to refinance with a reputable bank or finance company. HFC is nothing more than a loan shark and I find it hard to believe that they are able to continue to operate. I hope that anyone considering a loan through HFC will find this website and after reading the numerous complains will reconsider. We would never have considered going with HFC but my wife lost her job and has had medical issues.

We have found it very difficult to get back on our feet over the years because of the loans we have had with HFC

Tiffany of Eight Mile, AL October 9, 2008

Tiffany of Eight Mile AL (10/09/08)
My husband I took out a Home mortgage with HSF several years ago for about 75000. We dealt with David and Joy the first time and we were told we were getting a 20 yr mortgage and a 10 yr 2nd mortgage. We opt to have deductions from our checking account every two weeks which would make us making a extra payment yearly. We were told by David and Joy that after a year paying this payment every two weeks, we were told that if we have good paying credit with HSF they could lower our interest rate. When we go back to HSF David and Joy no longer work there. 75000 loan with HSF pay back was 375000.

We didn't find out until we went back after a year that we have a 30 yr mortgage and the 2nd mortgage was revolving credit. Ashley helped us next and when we had a issue Ashley didn't work there anymore. Went back and Ming helped us this time and when we called about a question Ming no longer works there. In the last couple of months HSF has been calling me try to lower our payments and I had to tell the man that he was pressuring me and HSF has messed over me so much that I needed time to think about it and he wasn't giving me time.

After that conversion I don't get calls anymore, because he was calling my house, work, cell phone, and my husbands work and cell phone. What I don't understand is how can a company like HSF still do business if they are screwing over people like they are!!!! HSF seems to reward people that lie to their customers to get them to get a bigger loan. What is wrong with this picture. Someone needs to put a stop to this company and any company that are doing everyday people that are just trying to get by. God help us because HSF is screwing us left and right. Oh by the way I am paying 1100 a month on a 89000 loan and have been paying for about 2 to 3 years and still owe about 86000. The math doesn't come out right. Everyone that ever been screwed by HSF should get together and SUE the color off of them and make them pay through the nose like they are doing to us.

Mary of Chilhowie, VA September 28, 2008

Mary of Chilhowie VA (09/28/08)
Got personal loan for 15,000. When we tried to pay off loan, we had paid down to 12,000. Tried to pay off, they kept increasing the payoff, all the way to 25,000. We also have our home moratage through the same company. I made a payment in July 2008 that has yet to be posted to our mortage, and this is Oct. 2008 I am seeeking legal advice at present.

ultimate result of the personal loan, caused us to file bankruptcy

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