Less than 15 days late on a car payment and I receive calls daily harassing me for money. According to the people who phone, this is HMFC's policy as it is computer-driven. You actually start getting calls 6 days overdue. By 15 days we were getting up to about 12 per day.
I recommend you seriously consider before financing your car with these people - when things go wrong the harassment is unbelievable, many of the staff are rude and most do not record the conversation on their computer.
I am also in the process of lodging a formal complaint via the Florida office of financial regulation (www.flofr.com). FYI Section 806 of Fair Debt Collection Practices Act prohibits abusive communication and harassment tactics. Subsection 5 of the above prohibits harassment with multiple calls.
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