Like many I have read about on here I too and being ripped off. Due to my husband loosing his job of 13 years last year we became behind on our payments. I finally got a person on the phone and explained the situation to them and asked if we could defer two payments to get us up to date. I was told no they don't do that.
The person I talked to was very cold and seemed like I was wasting their time. She did say that after we became 3 months late to keep it from going into foreclosure that they would work out a payment plan to keep us from loosing our house. Well, if I could not pay the regular payment how the devil was I going to be able to pay an even larger amount.
I had emailed several emails to the company on their web site, which by the way I use to use to pay my bills online but now they have fixed it to where I cannot go online and pay my bill anymore just because I am behind a month now. I never received a reply to any of my emails and when I told the woman this she just simply stated they had not gotten any emails from me.
You get tired of month after month after month telling them the who what where's and why's of being late. I feel like a broken record here. Every company that I have ever dealt with weather it be small loan companies or even larger companies like the company that I have my car financed through, always can do deferments some up to two a year no problem.
All of my creditors have been willing to work with us but Homecomings. I even asked about refinancing the loan to get the payments lowered since my husbands new job is paying him 8 dollars an hour less than what he was making at his last job. They said they could not refinance because I have been continually late on payments for the last 11 months.
Well if they would be willing to help I would not be so behind now.
0 comments