HSBC RETAIL SERVICES - HOUSEHOLD BANK TRYING TO PAY CURRENT TO STOP REPO BUT THEY WON'T LET ME NEW CASTLE DELAWARE

Due to my husband's work (truck driver), his pay is never the same and sometimes none of there is no loads to haul. I have fallen several months behind on his 4-wheeler payments. Things are finally looking up and in 4 days I will have the funds to bring his account totally current. I tried to logon to the website awhile back and it said the status of the account had changed and to call a certain number for a copy of the statement.

As everyone knows when you call, the wait time is outrageous. I am usually calling while I am at work so I cannot always wait forever before hanging up. We have not received anything from them in the mail for several months. They claim I must have clicked a box when registering online to cancel paper statements. Not so. Last week, I received a call from a man wanting to come out to reposess it. This was the first time that I had heard anything about this going to happen. I still have not received anything from HSBC saying this was going to be their next step. A couple of days after I talk to this man, I get a regular statement from HSBC in the mail. It says "We have a program to bring your account up to date. For eligibility call, #### today. I did. It sent my call to the recovery department. Strange that now the wait time is virtually non-existent and you go straight to a person. Now I am told that I cannot make a payment to bring it current and that I have to pay in full or it will still be repossessed. I don't know what to do. I can't understand why they won't let me pay it current. They stand to make more money off of the interest if they would. I don't know what to do next. I would suggest to anyone financing at a dealership to make sure that it is a regular loan and not their credit card.

Margaret
sibley, Mississippi
U.S.A.