Complaint Review: Household Finance - Jacksonville Florida
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- Author Confirmed
- Household Finance 8102 Blanding Blvd Jacksonville, Florida U.S.A.
- Phone: 904-9080100
- Web:
- Category: Mortgage Companies
Household Finance ripoff high interest/never pay off loan Jacksonville Florida
*Consumer Comment: I FEEL YOUR PAIN...
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I received an unsolicited check from HFC in the amount of $7000.00 right after I purchased my home. I thought it was a good thing since I had a lot of repairs in mind to do to my home. I did not notice that the interest rate was for 28%. I've been making payments of $180.00 per month for 4 years now and have never been late but guess what my balance is? over $8000!.
They charge almost all of my payment to interest then at the end of the year I have to pay an annual fee. somehow this made the balance go up not down because they have some underhanded way of calculating interest. This s**t has stressed me to no end. I called them and asked them since I have been paying so long will they consider reducing my interest rate and she said sure as long as I allow them to put a lean on my home! I declined that.
I am refinancing my home with the main objective of paying off this d**n loan! I hate HFC and I surely wouldn't advise anyone to take a loan out with them. Your balance never decreases no matter how many years you pay on the account.
Jacki
jacksonville, Florida
U.S.A.
This report was posted on Ripoff Report on 08/21/2005 09:06 AM and is a permanent record located here: https://www.ripoffreport.com/reports/household-finance/jacksonville-florida-32244/household-finance-ripoff-high-interestnever-pay-off-loan-jacksonville-florida-154436. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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#1 Consumer Comment
I FEEL YOUR PAIN...
AUTHOR: Angela - (U.S.A.)
SUBMITTED: Sunday, August 21, 2005
Jacki,
I also got the "check in the mail" and ended up with a loan for $10,000.00. After paying $300 a month for 7 months my balance INCREASED to $10,300.00! What HFC calls a monthly statement is a joke. They intentionally send you misleading statements that do not show you how your payment is being applied (obviously, its mostly to interest/fees). The online payment center does not indicate how your payments are being applied - it just give you a phony balance that never seems to decrease.
I used every resource that I had to send them $10,000.00 a couple weeks ago and will be making a final payment on Thursday in order to close this so called account.
The moral of the story is this: IF YOU GET A CHECK IN THE MAIL FROM HFC (HOUSEHOLD FINANCE) DO NOT CASH IT - YOU'LL SPEND THE REST OF YOUR LIFE TRYING TO PAY OFF THIS DEBT.
BEWARE - HFC IS THE LEADER OF PREDATORY LENDERS!
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