• Report: #712459

Complaint Review: Household Finance Company (HFC)

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  • Submitted: Thu, March 31, 2011
  • Updated: Sun, April 03, 2011

  • Reported By: Double Dipped — Adamsville Alabama United States of America
Household Finance Company (HFC)
841 SEAHAWK CIRCLE VIRGINIA BEACH, VIRGINIA 23452 VIRGINIA BEACH, Virginia United States of America

Household Finance Company (HFC, HFC DOUBLE DIPPED ON INTEREST CHARGE ME MORE INTEREST THAN THE AMOUNT OF THE LOAN VIRGINIA BEACH, Virginia

*Consumer Suggestion: Obsessive/Compulsive there Steve?

*Consumer Comment: Let"s examine this "Mr. Rik" jibberish a little closer, and "MaxxPower" too

*Consumer Comment: Excuse me

*Consumer Comment: what about all the other trolls?

*Consumer Suggestion: Kiss my Arse!

*Consumer Comment: what about all the other trolls?

*Consumer Suggestion: Mr. Rik

*Consumer Comment: Yeah...Technically Not a Rip Off

*REBUTTAL Owner of company: Damage Control?

*Consumer Comment: Fool again.

*Consumer Suggestion: To Robert and Jimmy

*Consumer Comment: ???

*Consumer Comment: Hey RK...

*Consumer Suggestion: Predatory Lending!

*Consumer Comment: Jim is right!

*Consumer Suggestion: Hey Jim, maybe you should learn how to spell!

*Consumer Comment: Where Do You Sorry People Come From?

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A check was mailed to me voluntarily by the Merchant HFC for $7500 I knew that it was a loan and had great intentions on paying it back, but I got a divorce and my income became single income, so it was hard for me to make payments I called HFC to work out lower payments and they said I signed a disclaimer to make payments for a certain interest that couldnt be revised by them, in the mean time payments got harder and harder until I couldnt make the high payment of $276 anymore, HFC garnished my pay check for two years until they got a  total of $11076.00.  the day after the last payment they sent my payroll dept another garnishment saying I owe them $5886 in interest that was calculating while the other $11076.00 was being garnished, my Job got me an attorney because they had a hard time getting the law firm that HFC hired on they behalf to explain to them how someone owe you interest on an amount they already garnished....they couldnt explain it.  I am telling you may story because this company is very unfair and took total control over my finances TWICE.  Please think TWICE before you borrow from them....they are a RIP OFF.  I paid them a total of $17000.00 for a $7500. loan....dont make the same mistake I did by taking out a loan with this company...... 

This report was posted on Ripoff Report on 03/31/2011 02:09 PM and is a permanent record located here: http://www.ripoffreport.com/r/Household-Finance-Company-HFC/VIRGINIA-BEACH-Virginia-23452/Household-Finance-Company-HFC-HFC-DOUBLE-DIPPED-ON-INTEREST-CHARGE-ME-MORE-INTEREST-THA-712459. 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:
0Author 16Consumer 1Employee/Owner
Updates & Rebuttals

#1 Consumer Suggestion

Obsessive/Compulsive there Steve?

AUTHOR: mr. rik - (United States of America)

Gee Steve, I feel real bad for ya.  Maybe you should get a dog, you MIGHT get some attention from him!

You sound like a former english teacher that got fired for attempted molestation and now has nothing better to do!

No need for an essay here, just see ripoffreport #712532 to see my evaluation for Steve.

Get Help!

p.s.  Im sorry I picked on your "buddies" if it makes ya feel better!
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#2 Consumer Comment

Let"s examine this "Mr. Rik" jibberish a little closer, and "MaxxPower" too

AUTHOR: Steve - (USA)

"Mr. Rik" is the delusional one here. He/she busts others in this thread for 2nd grade grammar and education, but he himself cannot use proper grammar and spelling, etc. himself. Just until recently he was using the word "shiller"! What the hell is a "shiller"? Look at this nonsense:



>>Here is some more of his jibberish:



"Sounds to me like the bank didnt want to do squat to help their customer at all. typical".

Hey genius. "cant" is "can't" and "didnt" is "didn't" and "typical" being the first word after a period would be capitalized. Then there is the "threw you such a beatin" thing. This is juvenile, "wanna be gangster" crap. No educated adult would speak like that. And, you are not tough enough to beat anyone. I wouldn't even waste my energy on you if you came to my house. Bang. Done. Just love Florida law!



"What if I came to your house and threw you such a beatin that you couldnt work for awhile?  And then your house got foreclosed?  Who would be crying now"?



"I notice "Jim" likes to bash the used car dealers but loves to shill for the banks.  He should realize the only difference is the haircut and tie".



Robert was right on target except for the relationship. "Mr Rik" most likely related to "Charles"- Alabama!



Maxx Power is busting on others too, but he himself cannot spell or use proper capitalization either. Proper names and places are always capitalized you jerk off.


>>



Troll? No, just sport. Messing with idiots is a great source of entertainment for me.

Everyone needs a hobby!
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#3 Consumer Comment

Excuse me

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

Don't drag my name into this report - I suggest you look in a mirror to see who the real troll is.
Enough said jackass.
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#4 Consumer Comment

what about all the other trolls?

AUTHOR: Maxx Power - (USA)

namely  robert from irvine Stacey from dallas Coast Ramjet flynrider Robert from buffalo and of course the grand troll of all steve from bradenton

All the above are mental lightweights. Their signature statements consist of;

Learn to spell You,re a moron And the classic wheres the ripoff

I think karl and mr rik look like geniuses compared to the above mentioned dullards. its time these losets go away and sllow some new blood on this site.
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#5 Consumer Suggestion

Kiss my Arse!

AUTHOR: mr. rik - (United States of America)

Kiss it patticakes, and enjoy it!

What are YOU doing here anyway???
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#6 Consumer Comment

what about all the other trolls?

AUTHOR: Maxx Power - (USA)

namely; robert from irvine Stacey from dallas Coast Ramjet flynrider Robert from buffalo and of course the grand troll of all steve from bradenton

All the above are mental lightweights. Their signature statements consist of;

Learn to spell You,re a moron And the classic wheres the ripoff

I think karl and mr rik look like geniuses compared to the above mentioned dullards. its time these losets go away and sllow some new blood on this site.
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#7 Consumer Suggestion

Mr. Rik

AUTHOR: patti - (United States of America)

Mr.  Rik has only been recently posting to this board and is quickly becoming as annoying as Karl.  Mr. Rik has nothing constructive to add and condones illegal behavior.  Go away troll!
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#8 Consumer Comment

Yeah...Technically Not a Rip Off

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

It's not really a rip-off if the OP entered into the agreement and all parties except the OP is complying with the terms and conditions.  The unfortunate part is that no one can force someone like the OP to read the terms and conditions of the agreement between the recipient and the institution loaning the money.  If there is anything we can take away from events like this is:

1.  Institutions like this can't exist if no one borrows money from them.
2.  People would be far better off if they really READ the agreements they sign before entering the contracts they enter into.

If more people were educated about firms like this, then they don't lose money like this.

Without reading the T&C's on this loan, I would have expected you to pay at least 3X the loan's principal before it's paid off completely.  $17K gets you off sorta cheap....  Not ideal, but better than the $22,500 or more you might REALLY be liable for.
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#9 REBUTTAL Owner of company

Damage Control?

AUTHOR: mr. rik - (United States of America)

Robert-  "1.  HFC is NOT a bank."

You lied.

Sucker!
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#10 Consumer Comment

Fool again.

AUTHOR: Robert - (USA)

1.  HFC = Household Finance Corporation, a part of the HSBC group.  In the U.S. (which, for the geographically challanged is where the OP resides and has the loan) HFC is NOT a bank.  It is a sub-prime lender.  Further HSBC Group is shutting them down, as well as shutting down Beneficial Finance.

2.  The OP and the subject loan are in the United States, not the United Kingdom, thus the HFC referred to in this report is the U.S. Household Finance Corporation which IS NOT A BANK.  Look at a map sometime.  The U.K. is on the other side of that large blue patch, commonly known as the Atlantic Ocean.

3.  Say hello to your cousin the next time you see him.

4.  Idiot.
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#11 Consumer Suggestion

To Robert and Jimmy

AUTHOR: mr. rik - (United States of America)

Find out yourself....

http://www.hfcbank.co.uk/

You shills really are such LOSERS!!!

Your masters should really be displeased.

For Jim-

1.looser-A looser is a loser who can't spell "loser".Moron: "Hey man, you are teh looser!" 
Guy: "It's spelled 'loser' you uneducated bastard."by baconbits Aug 25, 2005 share this

and


3.looser-Idiotic way of spelling "loser". Most often used by teens and adults with no more than a 2nd grade grammar level.Guy 1: OMG! Todd is such a looser!

Just some constructive criticism!

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#12 Consumer Comment

???

AUTHOR: Robert - (USA)

1.  HFC is NOT a bank.

2.  Rik = Ronny G's retarded cousin.
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#13 Consumer Comment

Hey RK...

AUTHOR: Jim - (USA)

Tell me please....where is the HFC "bank" located?  You don't know what in the hell you're talking about.
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#14 Consumer Suggestion

Predatory Lending!

AUTHOR: mr. rik - (United States of America)

The op certainly didnt have this "planned out" as you may infer.  He said he received the offer in the mail and responded to it.  Sounds like the bank "set him up"

Then you may notice he "got a divorce and became single income".  Hardly a ripoff attempt.  "I called HFC and tried to work out a lower payment"- Hmm doesnt sound like he was trying to "rip the bank off" here either.

Sounds to me like the bank didnt want to do squat to help their customer at all. typical.

What if I came to your house and threw you such a beatin that you couldnt work for awhile?  And then your house got foreclosed?  Who would be crying now?

I notice "Jim" likes to bash the used car dealers but loves to shill for the banks.  He should realize the only difference is the haircut and tie.








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#15 Consumer Comment

Jim is right!

AUTHOR: Inspector - (USA)

Harsh but right.  The OP tried to rip off the loan company and then screamed rip off when they took their money back.
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#16 Consumer Suggestion

Hey Jim, maybe you should learn how to spell!

AUTHOR: jackie - (United States of America)

Maybe you should go back to school and learn how to spell before you start bashing others?

What is a looser?  Sounds like that word could apply to both your orafices!

Typical Hypocrite.
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#17 Consumer Comment

Where Do You Sorry People Come From?

AUTHOR: Jim - (USA)

Where do you people get this idea that you are entitled to some sort of special treatment when you don't make the payments YOU argreed to?  When they come after you because YOU TOLD THEM TO by not making your payments, then its time to stomp your feet, cry and whine and they are so, so terrible because YOU won't make your payments.  Then you loosers come here and seek sympathy.

Typical looser, welfare type mentality!
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