Had my car payment with HSBC for 4 1/2 years. They sold my auto loan to Santander Consumer in Dallas Texas around May 2010. I never went late not ounce with HSBC. I started receiving harrassing calls right away before a pyment was due trying to force me to make payments before the due date this wasnon stop at hoe and on my cell phone. To the point I was screaming at them. THEY NEVER eer say the Miranda, I am in collection as well as repo and they never say the Miranda "This is attept to collect a debt and any info received will be used for that purpose." So I will be reporting them to the Federal Trade commission the link is here they cn be fined and ordered to pay you $1500.00 for being in violaion here is the link : scroll down to the bottom of the page and file a complaint.
Anyway, I signed a contract to pay me car and make a total of 60 paymnets. I received the first statement from them showing them tacking on an additional monthly payment. On their statement they are showing I have made 58 payments. BUT they are stating I owe 3 paymnts PLUS an additional $500 in charges. I have just recently gone late at the end of my loan I lost my job, no fault fo my own. My car payment is 375.00 per month with a 10.00 late fee. They are stating I owe 61 payments and the 61 is $325.00 plus because an additional 500.00$ according to them from HSBC. i only should owe to pay off my loan 701.20 they are stating I owe $1467.69. The are claiming late fees from HSBC wich is UNTRUE.
I was never late thats why HSBC would offer me every year defferred payment for 4 years. If was late with them I wouldn't have been offered deferred payment. STILL I signed a CONTRACT to make a total of 60 payments on my car NOT 61 I have my contract. yes I recently went late with 1 payment BUT they were showing 500.00 in so called "late fees" for I dont know what payment or when with HSBC. I too went into my bank account and can show evry payment made to HSBC with NO LATE fee attahed because it was paid on time. When my account was switched from HSBC to Santander on the statements MY payoff fgure went up and an additional monthly payment was tacked on "61" when I signed a contract for "60" payments.
I called and they are rude I was hung up on several times. Because I will not be talked to like that. They can dish it out but cant take it. They demand payment in full and start calling prior to payments due every single day. I made them aware they are NOT allowed to call and leave a message but ounce every 3 days IF the payment is late!!!! I HAVE NEVER HEARD OF SUCH SLIMMY COLLECTIONS OR BUSINESS PRACTICES. I informed them they were not allowed to contact cell phone but they still called. Its a shady business and they need to be stopped I will be filing with the BBB and Fedral Trade Commission. Because they will get what I owe payment wise but not a penny more and I will see them in court for their chumped up, pulling payments out of the sky when they feel like ficticious charges. Again I have a signed contract making a total of 60 payments I have their statement stating I ve made 58 pyments. I owe 2 payments NOT 3 and one payment I went a little late will not contistute $500.00 is interest! But I can show I nevr went late not ounce with HSBC. HOW MANY OTHER PEOPLE ARE THEY DOING THIS TOO THAT PEOPLE ARE JUST PAYING IT to be done with their auto loans I will not be held hostage.
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