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Report: #478787

Complaint Review: HSBC Auto Finance, HAFC, HSBC, Household Auto Finance Corp., Household Finance Corp., HFC - Baltimore Maryland

  • Submitted:
  • Updated:
  • Reported By: Rhonda — Oneida Illinois USA
  • Author Not Confirmed What's this?
  • Why?
  • HSBC Auto Finance, HAFC, HSBC, Household Auto Finance Corp., Household Finance Corp., HFC PO Box 17548 Baltimore, Maryland United States of America

HSBC Auto Finance, HAFC, HSBC, Household Auto Finance Corp No payments posted to my account for 5 months when vehicle first purchased Baltimore Maryland

* : Never

* : Question

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I purchased my vehicle from Mike Miller Autopark in Peoria, IL in August of 2004.  Original loan was from National City Bank and my father, George Godsil had co-signed for me.  2 weeks after purchase I recieved a call from a HSBC representative and they made a offer with lower APR and 60 months vs 72 months - my payments actually even went down.  I have made all my payments since September of 2004; however, the statement state I opened the account on 1/19/2005 - the pay off was first online as 03/10 which would be closer than what is says now at 03/11 a whole year!!!  The original loan amount was for $24,364.83 and my payments are 454.11 with the APR @ 10.9%  They keep pushing my payoff date back and now am so negative equity can't sell the vehicle.  I have tried multiple times to reach them via phone and email, just to get a email back that I should call this number to no avail.  My vehicle should have atleast another $2270.55 off its balance.

This report was posted on Ripoff Report on 08/12/2009 08:24 AM and is a permanent record located here: https://www.ripoffreport.com/reports/hsbc-auto-finance-hafc-hsbc-household-auto-finance-corp-household-finance-corp-hfc/baltimore-maryland-21297/hsbc-auto-finance-hafc-hsbc-household-auto-finance-corp-no-payments-posted-to-my-accoun-478787. 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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REBUTTALS & REPLIES:
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1Consumer
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#2

Never

AUTHOR: Rhonda - (USA)

POSTED: Thursday, August 13, 2009

In answer to your question - NO - I have NEVER been late.  Payments as been made monthly ontime - NEVER a late fee! 

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#1

Question

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

POSTED: Thursday, August 13, 2009

Were you ever late on any payments for this vehicle? Even a day or two? Every time you are late on most car loans addition interest gets added for those late payments. Over time that interest will accrue interest. If you are late often enough it can seriously put you back on the loan.

Contact the company and ask for a payment history. Punch your loan in to an amortization table and see how it works out.

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