Household Auto Finance ripoff San Diego California

Hello Barbara. First I want to say that my heart goes out for you. I too have had many issues concerning payments as well as other problems. I am now pleased to say that my issues (knock on wood)have been resolved to my satisfaction. I am writing with a few things that may help you out. If anything I can save you some time possibly when dealing with them. Even though I finally worked things out and am no longer indebted to Household it took a ridiculously long time to get results.

I won't go into much detail about my issues since it would take too long. But if you wish to review the report I placed on this site then you will get all the gory details.

My advice to you is as follows. Though what I am telling you may seem of little importance I found out in the end that without all the information that I gathered I would have been unable to prove I was right.

Call Household and tell them that you dispute that your payment is late and demand that they provide you with a copy of your payment history. Please be aware that this may take an act of congress to get from them. I got promises from god only knows how many so called "person in charge" to no avail.

The reason you need a copy of your payment history is you will probably be amazed at how your payments have been recorded or not recorded. In my case my payment history was altered. It was so obvious that I wonder how anyone thought they could get away with it.

My history was missing the first 18 months of my contract, the payment due each month was inaccurate. The record indicated that I made more than the payment listed monthly however they persisted to tell me that I was behind in my payments. One month I mailed a check for more than $900.00 on a amount due showing $258.00. I felt that would more than cover any payments that they claimed were missing or behind. The record had only $160.00 of that payment applied to the principle and the lump sum they took as interest.

I got into the habit of making detailed notes of each and every person I spoke with. At first I didn't but after being told a different story each time an agent called my house or when I contacted them it became obvious that if I did eventually take suit against them that I would need to include all the names of people I spoke with. This even includes the 2 or 3 people who called my house on a daily basis with payment demands.

Also be prepared to ask over and over for a copy of that payment history. I should also tell you that you will have to repeat your story over and over again because no one ever makes any notations to the account when you speak. Also be prepared to have some down right rude comments by the agents and their supervisors.

I wrote a letter to the better business bureau and it worked for me. Most people do not get much by using the BBB but I had to stay persistent with them too to get them to stay involved.

It is not advisable to do a check by phone even though they ride your back until you do it just to get some peace from their daily calls. I read somewhere on the internet that many people refer to them as Harrasshold Auto finance! I thought that was so funny.

I know this was a long rebuttal and I hope that it helps out in some way. It took me over 4 months on the phone daily with Harrasshold finance so I know first hand that this is going to be an up hill battle, but stick to your guns and demand that they get this fixed.

Good luck with your marriage Barbara. I know that your husband being in Iraq can be a big enough strain on your marriage and this problem just makes it that much harder. We also owe gratitude to you women who must be seperated from your husbands while they fight for our and others freedom. So thanks.