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  • Report: #689818

Complaint Review: Beneficial Finance

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  • Submitted: Wed, February 02, 2011
  • Updated: Mon, February 14, 2011

  • Reported By: Beany — Atlanta Georgia United States of America
Beneficial Finance
P. O. Box 17574 Baltimore, Maryland United States of America

Beneficial Finance Household Finance Company Scamming of Old Disabled Viet Nam Era Veteran ,65 year od female, Baltimore, Maryland

*Author of original report: Truth-In-Lending....

*Consumer Comment: What did the Truth in Lending statement say?

*Consumer Suggestion: Rule of 78s

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In 2007, I made a colossal mistake by signing for A Home Equity Loan of $15,000...with Beneficial HFC..After not missing one payment,nor taking any monies out of the loan and after paying them $ 12,788.00, they now say I owe them $15,079.00!!!! This situation has literaly made be more ill than I already am... Can someone please HELP.. Yes I am afraid of some sort of retaliation, since they hold my first Mortage.


This report was posted on Ripoff Report on 02/02/2011 11:02 AM and is a permanent record located here: http://www.ripoffreport.com/r/Beneficial-Finance/Baltimore-Maryland-21297-1574/Beneficial-Finance-Household-Finance-Company-Scamming-of-Old-Disabled-Viet-Nam-Era-Vet-689818. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
1Author 2Consumer 0Employee/Owner
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#1 Author of original report

Truth-In-Lending....

AUTHOR: Georgia 1945 - (United States of America)

There were no Truth-In-Lending disclosures viewed or discussed during the signing of this  Contract 
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#2 Consumer Comment

What did the Truth in Lending statement say?

AUTHOR: Steve - (U.S.A.)

This is something you should have figured out BEFORE you signed the contract.

This is the whole purpose for the "truth in lending" statement that is required by federal law.

You MUST sign that you understand the costs before the loan is completed.


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#3 Consumer Suggestion

Rule of 78s

AUTHOR: Karl - (U.S.A.)

Was this load made under the "Rule of 78s when essentially all of the interest is paid up front before you start to pay principal?  Also your interest rate may be very high. I suggest going to your credit union  or bank next time.
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