I would like to agree with California on the Reps misleading a person who has an auto loan with this company. I had problems with getting a deferment or apply for a hardship, after I took a large income loss last year. They told me once I brought payments to 60 days, I could go online to apply for a hardship to try and lower my payments. I searched all over the website, and even called for assistant, but never received a response on how to "apply" for this hardship. Unfortunately two weeks ago my car was taken into repossession. I called the next day to discuss recover my car.
The first thing I was told was "at anytime your car can be taken into auction", yet proceeded to tell me that I had 15 days until it was put up for auction. Of courese they do not disclose where car has been taken, which is understandable. I understood I had 15 days.
I discussed a dollar amount with the representative and let him know I would call back the next day. I called to inform rep that I would have payment within four days. I begged and borrowed from friends and family to get enough money to recover car.
Once I paid, I called the representative back to find out how to go about getting car. (they do not give out ANY info unless you are paid up). All he did was give me a number to call. I contacted the agency that had my car to make arrangements for me to pick up - when I asked where abouts they were located, they informed me Northfield, OH...I said excuse me, I live near Grand Rapids, MI. After finding out this place was over 4.5 hours away, they said I need to call HSBC back because there was nothing they could.
I immediately called back the Rep that I was working with, he acted like it was not a big deal and that he said in the beginning the car could be moved at anytime for auction. I expressed the fact that I spoke with him numerous times that I was paying on it and I thought I had 15 days. Still did not care much for what I was saying. I said that is just wrong that a car would be moved OUT OF THE STATE that the person lives. I asked for a department head, and just went in circles talking to individuals.
At this point, I am disgusted that I even paid up my loan to get my car back. This company is very difficult and has no compassion for their customers and today's economy. I know I take some blame for allowing my car to go into default, but all I asked for was a little understanding and the fact that my car was taken out of state is just adding fuel to my frustration.