Household Finance
Beneficial Nasty, Stupid ripoff

In addition, the collections agent told me to go the office where I got my loan to pay them and work a payment plan out, I told them my job at the time was tips, and a small hourly wage, I can't go on a set amt. Because of that, and I already had a 128.00 payment set up.

She told me go to the nearest office anyways. I told them twice I never went to a office, they were shocked and I had to explain, you sent me a check to cash. And she told me to go to the office anyways, I said again I don't know where it is. I asked her Where is the nearest? She starts naming cities. I told her that is 6 hours away, and then 6 hours back, plus the time at the office. I am not driving for that long and spending gas $ that I don't have, wear and tear on my car. I told her later when they called back, I have no job now can't afford it, and not driving 12 hours, she couldn't understand why I wouldn't go, India woman.

She again told me to go to the nearest office then after finally coming to one on the list 2 1/2 hours a total of 5 hrs. Driving. She told me again to go to the office where I filled out loan papers, (clean out your ears lady). Again I said your company sent a check I cashed it that is the loan. I will send money when I get it.

I was in desperation and this is where it gets you. If I had it you'd have the money. Household is just greedy, greedy, greedy, and besides that, on my account I have a checkbook which I can only write checks for $100.00 or more up to the credit line and it is not cashable at Bank One.

Also if you make a payment they put a hold on your credit line for a week so if you have 90.00 avail. Credit and can only write a check for 100.00 and pay them 10.00 so you can write a check again. You have to wait almost two weeks before you can write another check. And it is not like a credit card where they put the interest on the end of billing cycle and if you had 20.00 avail. Credit and don't spend any $ you still have 20.00 No Household told me I had 84.00 avail. And 10 days later I called and they said 69.00 avail.

They don't wait, so even if you do write a check it might bounce because of this. Also they don't want to take partial payments over the phone even if you are paying them 10.00 over the phone same day payment. (my car insur. Was due again for 88.00 I figured pay Household a partial to get enough credit line open and write the check to insur. She said we don't take partial payments. I said "yes you do" I sent 28.00 and later paid over the phone 100.00 She said only if it is final payment of that billing cycle, so I can't pay 100.00 over the phone and 28.00 later by mail. She said nobody has ever done that before. Then after she talked to her super. She said her super. Told her to take the pay. From me, and I said what about the 7 day hold? She said I don't know, I'm supposed to take your payment anyways, so this check for my insur. Could bounce? Yes, or no? I don't know she said and was saying it wouldn't make it on time. So you are saying it will bounce I said. She said no, you just said it wouldn't make it. There is a hold you said, she started saying my checking account # and the amt.

I was wanting to pay, I said no, she said do you want to make the payment or not. I said if it is going to bounce it will make my car insur. Higher, cancel, bounce a check and you'll charge me more. She said I didn't say it would bounce, you said it wouldn't get there on time, 7 day hold, that means it will bounce, making the payment or not, I hung up. This girl was not foreign. Earlier I talked to a foreign lady about 15 min. Before that and she told me she would not accept my payment. I owe you money and you refuse to take it after calling me everyday? Anyways I told her I need to write a check today to my insur. She said can't take over the phone pay. She said mail it. I told her that defeats the purpose. I finally got hold of my wonderful mother and borrowed off of her.

STAY AWAY FROM THIS COMPANY PLEASE UNLESS YOU HAVE THE FUNDS TO PAY THEM BACK RIGHT AWAY, I thought I was going to pay them off in no time then all H*LL broke loose. I'm glad they haven't upped my finance charge for being late it is still a very high 19.99% since the beginning of the loan. I told them I got kicked out of my apt. Because I was behind on rent even though I am still paying them back rent. I had friends take me in, lost jobs and everything of course they don't care.

Wendy
Vincent, Ohio
U.S.A.

Company: Household Finance
Country: USA
State: Illinois
City: Carol Stream
Phone: 8003650175

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