Also have HSBC never will be a customer again (they called today) I'm not behind or have any issues at this moment.. but in the past i sent my payment they lost/misplaced/etc. Unfortunately i never saw that check cashed, the money was still in my account way after the due date so i called to see if they even received my payment? (i care about my credit) They told me without looking into the information that my check pounced and i was a bad person that didn't pay my bills, they didn't trust another check from me, and that i need to send them the money by western union RIGHT AWAY!
I also spoke with a manager he took care of my problem slightly, but still charged me late fees due to a mistake they made. Am very angry about it but i have learned my lesson and am ready to get out of this loan!
Not a fraudulent company, but beware if you take out credit with them. After my hospital stay I got behind on my bills, although I caught all of them up, this company will hound you for now on despite if your current or not. If your payment is due on the 7th of the month, and they do not have their money on noon that day, they will call you every hour relentlessly until your check is cashed....no lie...sun up till sun down....just a warning if you ever have a problem paying on time this, this company will treat you like a crook for the life of the loan.
This company is a rip off. They charge me a very high interest rate to start with. I was paying on time for the first 3 years however they didn't apply hardly anything and quite a few time nothing toward the principal loan. I did get behind but not 4 months. They call my home phone from 8am until 10 pm every 30 to 45 minuntes at a time. I have given them money for nothing. I have had a nervious breakdown because of this. I will never buy anything through this company ever again.
Also have HSBC never will be a customer again (they called today) I'm not behind or have any issues at this moment.. but in the past i sent my payment they lost/misplaced/etc. Unfortunately i never saw that check cashed, the money was still in my account way after the due date so i called to see if they even received my payment? (i care about my credit) They told me without looking into the information that my check pounced and i was a bad person that didn't pay my bills, they didn't trust another check from me, and that i need to send them the money by western union RIGHT AWAY!
I also spoke with a manager he took care of my problem slightly, but still charged me late fees due to a mistake they made. Am very angry about it but i have learned my lesson and am ready to get out of this loan!