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Household Finance, Beneficial Washington, ripoff, Won't reconvey my loan, says I still owe them money Redmond Washington
We refinanced our mortgage with Transamerica in 1990. Our loan was bought by Household Finance several years later. I knew there would be trouble.
In 2000, our last payment was made and I asked for reconveyance. I was told we owed them for the first two months our loan had been taken out. I was able to produce the canceled checks for payments for these two months.
By this time Household Finance was being called Beneficial Finance. I was still being stonewalled. No reconveyance was coming forward. I wrote letters to the Redmond office as well as the home office. No response.
Five years later, I cannot refinance due to the lien on my home from Beneficial. I called the Redmond office and they say they have no record of my loan at all. My next step is to write the home office again. If no response, I will go to my attorney.
This is an unscrupulous company. They need to be banned from issuing any further loans for any reason. Let's get rid of them now!
Dede
Redmond, Washington
U.S.A.
5 Updates & Rebuttals
Donna
Mena,Arkansas,
U.S.A.
What a wonderful scam!
#6Consumer Suggestion
Thu, February 23, 2006
It sounds to me like you both need to gather as much information as possible on your situations, make copies of EVERYTHING, and send this information by certified mail to the Offices of the Attorney Generals for your state! This will show a pattern of behavior with this company.
It sounds like this loan company has found a wonderful way to try and grab peoples property illegally. Expecting people to react in fear of losing their homes and they will just pay up!
Laurie
Pittsburg,California,
U.S.A.
IT HAPPENED TO US TOO.....
#6Consumer Comment
Wed, February 22, 2006
We also refinanced last year around September 2005 and were expecting a refund and have not received it to date. Not only have we not received it, but in November 2005 Beneficial reported our account paid in full with a 0 balance. So you can imagine the shock when we received a bill in January from them for $1,900. I called and talked to 3 different people that were to get back to me on it. No one ever did. So I go to the branch. They first tell me it was for a bounced check in August. I have a receipt for a cash payment that month. Then they say it is for June payment that bounced. I also have a cash receipt for that. Then they hit July --- WRONG -- I also have a receipt for that month as well. They show a payment posting on Aug. 29th for $2,080 cash, then they show the same payment voiding??????????? WHAT MY CASH BOUNCED? They have threatened me with a lein on my property as well as Reconveyance not going through yet they cannot give me an answer as to WHY I OWE THIS MONEY, AND WHAT HAPPENED TO THE REFUND?????? Then to add insult to injury they tell me now that I owe more then $2,000 but can't explain why the amount has changed???? Beneficial has some shady things going on and I am going to make sure that everyone knows what their practices are. PLEASE CONTACT ME SO WE CAN PURSUE THIS FURTHER. IT SEEMS TO BE A PATTERN WITH BENEFICIAL.
Laurie
Pittsburg,California,
U.S.A.
IT HAPPENED TO US TOO.....
#6Consumer Comment
Wed, February 22, 2006
We also refinanced last year around September 2005 and were expecting a refund and have not received it to date. Not only have we not received it, but in November 2005 Beneficial reported our account paid in full with a 0 balance. So you can imagine the shock when we received a bill in January from them for $1,900. I called and talked to 3 different people that were to get back to me on it. No one ever did. So I go to the branch. They first tell me it was for a bounced check in August. I have a receipt for a cash payment that month. Then they say it is for June payment that bounced. I also have a cash receipt for that. Then they hit July --- WRONG -- I also have a receipt for that month as well. They show a payment posting on Aug. 29th for $2,080 cash, then they show the same payment voiding??????????? WHAT MY CASH BOUNCED? They have threatened me with a lein on my property as well as Reconveyance not going through yet they cannot give me an answer as to WHY I OWE THIS MONEY, AND WHAT HAPPENED TO THE REFUND?????? Then to add insult to injury they tell me now that I owe more then $2,000 but can't explain why the amount has changed???? Beneficial has some shady things going on and I am going to make sure that everyone knows what their practices are. PLEASE CONTACT ME SO WE CAN PURSUE THIS FURTHER. IT SEEMS TO BE A PATTERN WITH BENEFICIAL.
Laurie
Pittsburg,California,
U.S.A.
IT HAPPENED TO US TOO.....
#6Consumer Comment
Wed, February 22, 2006
We also refinanced last year around September 2005 and were expecting a refund and have not received it to date. Not only have we not received it, but in November 2005 Beneficial reported our account paid in full with a 0 balance. So you can imagine the shock when we received a bill in January from them for $1,900. I called and talked to 3 different people that were to get back to me on it. No one ever did. So I go to the branch. They first tell me it was for a bounced check in August. I have a receipt for a cash payment that month. Then they say it is for June payment that bounced. I also have a cash receipt for that. Then they hit July --- WRONG -- I also have a receipt for that month as well. They show a payment posting on Aug. 29th for $2,080 cash, then they show the same payment voiding??????????? WHAT MY CASH BOUNCED? They have threatened me with a lein on my property as well as Reconveyance not going through yet they cannot give me an answer as to WHY I OWE THIS MONEY, AND WHAT HAPPENED TO THE REFUND?????? Then to add insult to injury they tell me now that I owe more then $2,000 but can't explain why the amount has changed???? Beneficial has some shady things going on and I am going to make sure that everyone knows what their practices are. PLEASE CONTACT ME SO WE CAN PURSUE THIS FURTHER. IT SEEMS TO BE A PATTERN WITH BENEFICIAL.
Laurie
Pittsburg,California,
U.S.A.
IT HAPPENED TO US TOO.....
#6Consumer Comment
Wed, February 22, 2006
We also refinanced last year around September 2005 and were expecting a refund and have not received it to date. Not only have we not received it, but in November 2005 Beneficial reported our account paid in full with a 0 balance. So you can imagine the shock when we received a bill in January from them for $1,900. I called and talked to 3 different people that were to get back to me on it. No one ever did. So I go to the branch. They first tell me it was for a bounced check in August. I have a receipt for a cash payment that month. Then they say it is for June payment that bounced. I also have a cash receipt for that. Then they hit July --- WRONG -- I also have a receipt for that month as well. They show a payment posting on Aug. 29th for $2,080 cash, then they show the same payment voiding??????????? WHAT MY CASH BOUNCED? They have threatened me with a lein on my property as well as Reconveyance not going through yet they cannot give me an answer as to WHY I OWE THIS MONEY, AND WHAT HAPPENED TO THE REFUND?????? Then to add insult to injury they tell me now that I owe more then $2,000 but can't explain why the amount has changed???? Beneficial has some shady things going on and I am going to make sure that everyone knows what their practices are. PLEASE CONTACT ME SO WE CAN PURSUE THIS FURTHER. IT SEEMS TO BE A PATTERN WITH BENEFICIAL.