VV in Michigan said: “I have been having major issues with Household for 5 years now. Starting out with them refusing to send a reaffirmation letter after my discharged bankruptcy, to applying a mortgage payment to a credit card, to telling me they were going to foreclose. I sent them the $3000.00 this last June. I only owed $900.00 in payments. They said I had to send in $1850 for attorney fees to stop foreclosure. My first statement in July seemed to have applied the funds correctly. I paid my July mortage payment on-line. No problems.
I now have no access on-line, the supposed lawyer fees are now posted as payments and they thought I was going to say okay?? I have had enough with this company. I have recorded conversations with them for the last three years with them saying they will apply funds to my account correctly, and then they don’t. In the past I just gave up. Not this time. I had to not only do an early 401K withdrawal, I also had to pay 30% Federal taxes, plus I will be penalized next tax season for this withdrawal. All for attorney fees that were not necessary obviously.
I should mention that on May 23rd I attempted to pay two months mortgage and they refused to accept it, saying I was put into foreclosure the day before. My mortgage is due on the 19th of each month, and my original contract states I have a 15 day grace period. I was not yet 3 months overdue, but yet they put me in foreclosure. The lawyer they used would not return my phone calls, I received nothing to say I was being foreclosed on, and they have yet to send me the receipt I requested to say how the $3000.00 was applied.
You may think I am stupid, and you are correct. I should have brought an attorney into the practices of HSBC long ago. I am doing so now. I did not pick HSBC to be my mortgage carrier, Allstate Mortgage sold me to them. My advice is run as fast as you can from anything to do with Household Finance or its’ affiliates. I will fight to the death to bring them down. Hopefully others will to. And also, the merry-go-round they put you through on the phone will drive a sane person mad. My advice, get an attorney.”
Related posts:
bad bank, they need to be rub off of the market