I just paid off my auto loan with HSBC auto finance. I paid off the amount ,a little over 15k,that was stated in their billing statement. I have never been late with a payment. I then get a bill from them for $104 and it is due in of all things it is due in 01/05/2010! I called had a heck of a time finding out what this is about.Basically they didn't know themselfs at first, them a supervisor said it was for amertised interest, because the pay off amount was only good for 30 days or so and they got the payment from me 2 days after the pay off was good for. Whats up with that kind of ethics, I pay off a 15k debt,never late and they charge me $104.00. As to the $104.00 bill being due in 2010, there was no explanation at all, they did say it had nothing to do with the pay off of the loan and I would receive my clear title. All I have to say is, HSBC I better receive it! I would recommend that no one use this finance company, their treatment of customers is, if nothing else, quite shadie!