Household Automotive Finance
P.O. Box 17548
Baltimore Marylnd 21297
U.S.A.
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Household Automotive Finance ripoffs
1Author
1Consumer
0Employee/Owner
A representative from Household called my husband at work and said that they had not received December payment and January payment was about to be due. My husband told them December payment was sent out in December. For some reason they did not receive it. So my husband authorized a check by phone for December and January payment. When he was going to give them the check number for the lost check, they said they did not need the number and that the check would not be deposited if it was received. It ended up that on the same day he authorized the check by phone, they also sent the lost check through. Because of them going back on their word, we had 7 items charged nonsufficient fund fees of $29.00 ($203) each because the check they sent took the money we had in the bank for bills, etc.. My husband called them but all they do is give him the run around about it. Is there any way we can take them to court about the fees the caused us to incur on our account?
Stephanie
Hopkinsvile, Kentucky
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REBUTTALS & REPLIES:
1Author
1Consumer
0Employee/Owner
Updates & Rebuttals
#1 Consumer Suggestion
AUTHOR: Eve - Clearwater ()
SUBMITTED: Friday, March 15, 2002
POSTED: Saturday, March 16, 2002
To avoid this in the future, before authorizing a check over the phone to replace a "supposedly" lost one, call your bank and put a stop payment on the original (lost) check. This will cost in the range of $30.
The only problem you MAY find (and yes, I've personally experienced this) is that the "supposedly" lost check gets deposited, then your bank returns it to the finance company because you put a stop payment order on it, and they then charge YOU an NSF fee!!
Also, try sending all monthly payments to questionable creditors via certified mail. This is YOUR evidence of when they received your payment. Helps cut down on bogus late fees too! Institutions are less likely to mess with a payment that has been sent in that manner, as they know the consumer has documented evidence regarding date of receipt.
