January 16
The following is a letter that I sent to Household Finance Corporation. They have been beyond reasonable and have done every underminded thing to make someone's life miserable. The letter only hits the tip of the iceberg as to how I was treated. They even had a private investigator calling my home to bully me. When I called HFC for the name and address of the corporate headquarters, I was transferred 4 times and was told they could not give out that information. Since when is such information confidential?
Household Finance Corporation CERTIFIED MAIL
Executive President
2700 Sanders Road
Prospect Springs, IL 60070
Dear Sir/Madam:
I am writing this letter to you for many reasons and I will explain them all to you as you read on.
I have had a car loan with your company since 1996. For two and a half years of the loan I paid early and on time. I had fallen onto some hard times where I had been temporarily disabled. When I had phoned to look into my disability insurance on the loan, I was told I did not have it. Unfortunately, when I had signed my agreement, I took the word of the salesman that the insurance was included. The salesman also informed me that I would be able to refinance at a lower interest rate after one year, which was also false.
I had called the loan company to ask for some help with making some type of arrangement to pay the loan, but I was told there was nothing anyone could do for me. I continued to make payments. I was not on time any longer and sometimes I was just unable to make the payments. HFC made it impossible for me, even with all of my attempts to try to make some kind of arrangement. Times became even harder for me. I was the given a Three month deferral, and in just a few weeks my phone was ringing up to ten times a day if not more, stating that I was late and had better pay. The calls continued from 8 am until 9 pm, all day long. I have struggled through these hard times and tried to work with your company but I was insulted, called a liar, a squelcher, I just didn't want to pay my bill, that they new people like me and I can go on with the insults and disrespect that I have had to subject myself to with your employees. The only thing I got was kicked when I was down. I finally called for a payoff in September of and was quoted a figure of $884.79. At that time, I requested a final bill to send they money and have never received it. I have made countless phone calls trying to get this from HFC, but have not been successful. As time passes on, my payoff is certainly mounting. I have been more than patient with this request.
I have done some researching on HFC through the Better Business Bureau and several other sites available on the internet, and have found countless complaints regarding HFC that were very similar to mine. I am asking you to please have the requested information forwarded to me so that I may pay off this car loan and acquire the title of ownership.
Thank you for your immediate attention in this matter.
Household Services Plus aka Union Plus aka GM
Karen
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