Okay discharge was 3 months ago. I reaffirmed my note on my 2005 Trailblazer EXT for Centrix Financial at 17.9%. Applied and approved with HSBC to refinance at 13%. This will only lower the payment by about 10 dollars a month, but will take 6 months off of the loan, which will be better. Anyone have any experience with HSBC.
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Anyone financed with HSBC?
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HSBC is just one of many names they do business under. When I was a kid growing up, I can remember the commercials on TV for Household Finance and Beneficial.
At Beneficial, you're good for more! was their slogan.
This company gives new meaning to the term Sub Prime Lender.
http://www.consumeraffairs.com/finance/household.html
http://www.com.state.oh.us/dfi/hfc_info.htm
They tend to prey on people who do not research and cannot understand exactly what they are agreeing to.
Be sure to read all the fine print and know exactly what the terms of deal are before you sign on the dotted line.Filed Ch 7 - 09/06
Discharged - 12/2006
Officially Declared No Asset - 03/2007
Closed - 04/2007
I am not an attorney. My comments are based on personal experience and research. Always consult an attorney in your area to address concerns related to your particular situation.
Another good thing about being poor is that when you are seventy your children will not have declared you legally insane in order to gain control of your estate. - Woody Allen...
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I myself do not care for Household Finance and Beneficial. I feel that they are incompetent and have very poor customer service. When they screw something up. it's a major ordeal to get them to fix.Bankruptcy History:
Chapter 7 filed - 10/12/2005 - Asset
Discharged - 02/16/2006
Case Closed - 11/08/2007
A banker is a fellow who lends you his umbrella when the sun is shining and wants it back the minute it begins to rain ~ Mark Twain
All suggestions are based on personal experience and research and SHOULD NOT be construed as legal advice as I am NOT an attorney. Always consult with competent counsel in your area with regards to your particular situation.
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