This company has been more of a pain in the behind than they are worth! The due date changes and most of the time my payment amount changes from month to month. I am hard pressed to get in touch with anyone unless of course my payment is one minutes late. Look out if you are late...their fees are through the roof! A few late payments, a hike in the interest rate and WHAMO, I owe more than I borrowed and I have been paying on the dang treadmill for over two years!
Their customer service is borderline harassment when you do talk to them and they are no help whatsoever. The website has changed several times and each time it is more difficult to navigate and make a payment through. Save the darn account information like every other site does people!
I just tried to log in to get a payoff amount so we could get out from under these people with our tax refund and apparently the site is being changed AGAIN. The server can't be found. I am going to bet it will be the same when I try to make my payment. I won't be able to log in and I won't be able to get anyone on the phone to help me. Here comes another late fee I can't avoid unless I learn how to read minds.
This place is a joke. Don't borrow anything from them and if you have get out from under them as quickly as you can.
Here is another vote against them...
You can freely access information about their site that shouldn't be so easily accessed. If they allow their own underbelly to be so open then what are they doing with our information?
http://whois.domaintools.com/hccredit.com
I started a contract with HC Processing in 2008. Unfortunately I didn't realize that my payment was not due on a certain date, (i.e. the 11th of each month) but it was in fact something like the second Wednesday. Consequently I was late on a payment and, like you, my interest rate went through the roof. After calling to talk to them they told me essentially tough and my payment went up substantially. I have continued to pay them each month even though my husband being out of work. There were a few late payment due to out financial hardship but they were unwilling to wave the fees.
So, after 4 years of paying them I owe them more today then I did when I bought the darn treadmill! They are quick about reporting to the credit bureaus and my credit has taken a real hit. My place of employment recently had a plant wide shut down and I was out of work for 6 weeks. I called and told them I could not make the payment and I was sent straight to collections. The woman who had my account was rude, combative, and threatening. I asked her not to call me again and then asked to be transferred to her supervisor. I asked him to have my account transferred to another employee. He and I made an arrangement that he could lower my interest rate and take care of the past due amount. Within a few days the same woman called me again. Again she was rude and hostile and again I asked her to transfer me to her supervisor. He told me I now owed right around $150 in fees...fees he said before they would waive. I told him I could not pay them right away and I would make the monthly payment he and I had discussed and pay extra if at all possible...and to PLEASE not have that woman call me again. He told me she had my account and I asked him, again, to transfer it because I could not work with her.
She still calls me, 1-2 times a week even after having made the arrangements with the supervisor. I refuse to answer the phone anymore. I have called the supervisor several times and only managed to talk to him once. Each time I ask him to have her stop calling me, that I am willing to work with him but not his hostile employee. This week I received a bill for almost $300, late fees on the late fees he was supposed to have waived. My credit is crap compared to what it was when I started with them, I owe more today than when I started, they refuse to have a hostile employee stop harassing me, and they don't honor their agreements. I will not give this company any more of my money directly. They will have to turn me over to a collection company. They can't hurt my credit anymore then they already have and I know I will be able to negotiate with a collection agency. If you are thinking about getting a loan through these people DON'T! Even my ex-husband hasn't haunted me this much!
