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Household Finance

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Tawanda of Monroe LA (01/11/08)
I got a personal loan from Benefical and since then, Household Bank acquired the loan. I got the loan in 2000 and in 5/01 I was terminated from my job. I purchased Wesco Insurance (pays for the loan while unemployed) and they paid on the loan from 11/02 to 3/03. I mailed in 150.00 payment and it was returned. I called and spoke with Jamekia Barbar and asked her could Benefical modify the payment due to unemployment from 173.52 to 150.00 a month? I was told no, that I had to send in the full amount. At this time I could not afford to pay the whole amount due to financial hardship. So Benefical/Household Bank hired Attorney David Duggins who took the case. Attorney David Duggins took me to court five times and out of the two times the attorney did not show up, so I filed an answer to the compliant. Their attorney did not show up and I asked for the case to be dismissed and the judge dismissed the case.

Months later the attorney filed for a summary judgment and I filed for a dismissal of summary judgment and again no show of an attorney. He had a local attorney to come and show up but the attorney had no idea of what was going on with the case. The attorney filed for a summary judgment again and I went to file a motion and I was told that I could not file a motion because it was to late to file. I was asked to come to court with all my documents showing my income and I was told by the attorney that viewed my documents that with my income that I could not afford to pay them. The attorney asked me to pay them 50.00 a month so I have been paying that. The summary judgment was for 4,445.00 and now I am getting letters from an collection agency that has Attorney David Duggins letterhead and asking for 10,000.00. On the letter it states that I owed 10,000.00 and that they are not an attorney but a collection ageny. Why would a collection agency use the Attorney's letterhead that was on the case? What they have done is called vexatious litagation. They deliberately sued me when they were receiving payment. The case was dismissed and the attorney still got to file a summary judgment. I am searching for a good attorney to take my case.

My economic status is that this have affected my credit along with costing me money to get someone to help me to file the motion. The summary judgment went from 4,000.00 something to a collection agency that I am sure that is affliated with the attorney to 10,000.

Delisha of Emporia, VA January 8, 2008

Delisha of Emporia VA (01/08/08)
I received a loan check in the mail for a 5000 loan I applied for. I went in the office and signed the paperwork, and then received an additional 2950. During the signing process I inquired as to what my payment amount would be, and I received that information; but the sales person failed to inform me that when I started paying my payments back, that all my money would go to interest only and not the principle. I have been paying this account for 9 months at 243.00, so I went in to talk to the person who opened the account for me. He is no longer employed there.

I talked to Ashley Hayhurst and told her what happened, and she said that he should have explained to me how the payments would be disbursed. I told her that if he had explained it to me at that time I wouldn't have acquired the loan because I would never pay the loan off at that rate. I feel I was falsely led to believe that as I make my payments, my balance would go down; and it has gone up past my original loan amount. This is a scam to get people in debt who may need help in consolidating existing loans.

The economic damage that this has caused is that I will never pay this loan off unless I make triple the payment which would put me in a financial hardship. It has put a mental strain on me to figure out how I can pay this loan without jeopardizing my credit. I was mislead with this loan.

Toan of Marietta, GA October 10, 2006

Toan of Marietta GA (10/10/06)
Paint is peeling from hood and roof of 1999 Honda Accord (green color).

Mark of Arvada, CO September 10, 2006

Mark of Arvada CO (09/10/06)
I am a client of Household Finance Corp. (HFC). During the closing of the unsecured loan process I opted to take the unemployment insurance coverage. Due to no fault of my own I was involuntary unemployed. As soon as this happened I contacted HFC in order to get this insurance to start making my payments. I was required to fax in a form to their insurance carrier. About 3 weeks later I was informed that I had applied too soon and that there was a thirty day waiting period. I was then again required to fax in an identical form with the identical information.

Again, I had no response from HFC. It became painfully apparent that this insurance company was not going to pay my monthly HFC bill. Then... the collection calls started coming. These people were calling an average of a couple of times a day, every day. I told them, look I paid for unemployment insurance, I don't know why you are calling. Sir, you need to call your branch and get it fixed through them. I call the branch, guess what? They want me to call the insurance company. I call the insurance company. No live person available-ever.

I was unemployed for approximately a month and a half. As soon as I was employed again, I immediately started my payments back up. But, this didn't stop HFC's non-English speaking collectors from calling and wanting me to make electronic payment.

Kimberly of North Hollywood, CA August 31, 2006

Kimberly of North Hollywood CA (08/31/06)
I applied for a personal loan online. I was then called back by Dennis Matthews that they would be able to give me a loan. I had already let them know that my credit was not in good shape. With that in mind, she did let me know that because of my credit score that I would have to pay 750.00 of insurance to the company which would be given back at the time that I finished paying off the loan. The next day I went to Western Union and wired them approximatedly 808.99. This was on 07-21-2006. I was then told that my 5,000.00 would be wired to my account within the next 24 business hours. I had also signed the loan papers and faxed them back to Dennis Matthews. Afer 48 hours I still had no funds in my account.

I contacted the office and was told that they would look into it. I had to call them back, they told me that I needed wiring instructions from my back due to the fact that it is different then putting it into the checking account. After giving them the wiring instructions I was told that it would take ANOTHER 48 hours. After this point I waited 48 hours and still no deposit within my account. I then called the company back, (this is now going on 5 days, including a weekend) Finally someone called me back and said that Dennis Matthews had misquoted me the amount of insurance that I was supposed to give. I was told I needed to give them around 600.00 more or I could request a refund. I then told the young lady that I would just like a refund. I asked how long it would take to get my money back. On 7-30-2006, I was told that it would take 7-10 business days for me to get my check in the mail of 808.99.

I faxed in a request along with the receipt from Western Union verifying the amount and where I was told to send it to their company. After 10 days I still have no check. I then called the company, only to get a voice mail machine. I left a message for someone to call me back, but no one has returned by calls. Since then, I have faxed my request to them around 50 times and have called and left messages for someone to return my phone calls about 50 times. NO ONE has returned my phone calls and I STILL do not have my money back. I will probably need to consult a legal advisor, which I can't afford.

Not getting the loan that I was promised, paperwork signed and insurance money sent to them, I have almost lost my car, and have had to borrow from family memebers. I was trying to pay off debt which now I can't and it is now causing my credit score to go even lower than it already it. I have been unable to eat or sleep and I have become physically sick and almost unable to go to work, due to the stress of the situation. I REALLY NEED my 808.99 back...at least I would be able to pay part of my rent. I have no idea what to do at this time....but I really need my money back.

Glenda of Blue Eye, MO August 31, 2006

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