Hampton Roads Finance Corporation

I must say that this company is funny but almost fair.... I had an account manager who was from HELL (William) but I lucked up and got Laurie.. Although she bugs the hell out of me she is fair and honest... not sure if I would suggest this company to anyone who is in need! God Bless them all more

i couldnt get a car becz my credit was bad. my friend told me to go to hall honda becz he had credit issues from a divorce and he got a car. i did and couldnt beleive it. my experience with my finance co have been well. the ppl are nice.. more

Got my car, got my loan and am working on building my credit. Everyone has been helpful, nice and easy to deal with. They called to ""welcome"" me, explained programs and helped me set up automatic payments.\r Great experience! Thank you! more

First I want to say I thought that this experience was good at first. I had bad credit and voila! here is a finance company that is willing to give that second chance. Of course I jumped on it. I should have never went into it alone but I did because I was happy that I was able to do this by myself. So I purchased a Town and Coutry for an amount that was way over what it was worth. But what are you gonna do? So here I am making these payments for 4 years at $443/ month. Yeah way too much but I needed a vehicle. My son wasn't even paying that much for his brand new 2009 Silverado p/u truck. So I lost my job at the end of Dec. 2010 and have since been out of work. I immediately called the finance co. and told them my situation. They seemed to be willing to work with me at first. First month went by and they let me pay just the interest that accrued so I actually was only paying half of my payment. Next month rolls around and I am still not working, no income at all. I spoke with Laurie and told her but she seemed so persistent as to me making my payment. So what am I gonna do??? Pick the money off my money tree in my back yard. I told her repeatedly before the conversation ended that if anything changed at all with my income that I would contact them immediately. So nothing had changed and there I was 2 months later. They did nothing but call me and harass me repeatedly. I understand they want their money but where the heck am I gonna get it? I did talk to a man, who was quite rude and ignorant, once and all he could say was that I owed this and that, even after I told him I still didn't have any income. He then proceeded to say to me that my license was probably susupended and I didn't even have insurance on the vehicle. I told him he better get his information straight before he opens his mouth because he didn't have a clue as to what he was saying. I had insurance and a valid license. And why the heck was he so worried about that if he thought that was true after two years. Noone certainly worried about it when I was able to make payments. After that I never bothered to take anymore calls because there was no new information I could give them. Just come get the vehicle. I guess they thought they were doing me a favor. Well I thought they were at first. I couldn't afford that van so there was really no use in me trying to communicate with them at that point. Well they finally came and got the overlypriced vehicle which to me is kind of a relief. I understand I am still indebted to them but I don't need their harrassing phone calls anymore. And oh as far as them trying to help me well figure it out. My loan was for approximately $14,000. So take $443/month for 4 years. $21,264. Yeah how about that. That's exactly what them crooks would have made off of me. And the total is actually more than that because my loan was more than $14,000. Around $8000. I paid for 2 years on that thing and still owed over $10,000. That's why they didn't want to take the van back so easily and waited almost 3 months. Never again. more

This company regularly violates the law in their collection practices. They cyber stalk, make threats and they misrepresent themselves. They violated my rights under the Fair Debt Collection Practices Act as well as breaking other laws in their dealings with me. I was harassed, bullied, threatened and so were my friends and family. This company operates like the mafia. I am in the process of filing a lawsuit against them. If you are interested in doing the same, please contact me at HRFCLAWSUIT@mail(DOT)com (yes its all in caps and is case sensitive). This company is very abusive in their business practices and the only way to make them stop is to stand up and shine the light on their shameful behavior. I am one voice, speaking out against them...will you join me? Email me at HRFCLAWSUIT@mail(DOT)com for more information. more

I have been with this company for almost a year. I have never had any problems with this bank. they were willing to work with me and break down my payments to be drafted every 2 wks on the days that I got paid. I would recomend this company to anyone who has had problems with obtaining credit. I myself had to file chapter 7 and they approved me with no problems and a very low downpayment. great company Ive always spoke to ms campbell she is great! more

KAREN IS GREAT!!!!! SHE WENT ABOVE AND BEYOND FOR ME. I WILL SAY THAT WHEN YOU HOLD UP YOUR END OF AN AGREEMENT MORE OFTEN THAN NOT, PEOPLE ARE MORE WILLING TO WORK WITH YOU. BUT WHEN YOU CALL EVERY OTHER MONTH WITH AN ISSUE, THEY'VE HEARD IT ALL BEFORE. YOU ARE WITH A SECONDARY LENDER BECAUSE YOU DON'T QUALIFY FOR A REAL LOAN B/C YOU DIDN'T PAY YOUR BILLS ON TIME, THE LAST THING YOU WANT TO DO IS LET DOWN SOMEONE THAT HAS GIVEN YOU A 2ND CHANCE. IF YOU WANT TO DEAL WITH REAL JERKS, GO TO TIDEWATER MOTOR CREDIT...YOU'LL BE BEGGING TO HAVE HRFC BACK!!!!! more

I was promised a credit of $633 and told I could ""take a few months off without payments""...not only did I not ever see the credit, I was still expected to make payments on time. In addition, in just one month, they tacked on $117 in interest and I wasn't even late on a payment--I have never been late with them! They treat customers terribly and are not sympathetic at all if you ever have a problem. All they care about is money and lying to you! more

Please read and if you had this s ame experience please respond. I am looking for anyone that has a loan with hrfc my husband and i have had a loan with them for the past 2years we have always paid our loan on time. In september 2010 i called my payment in and was told that it was a back payment due and i told them that something was wrong its no way so they did a check on it (Mrs. Candou) told me not to make my payment until she called me back she never did so i mad it anyway 2 days later i got a letter by certied mail statintg that we over paid by 655 so i would get a credit applied to my monthly payment so i called to verify this i spoke to tracy who told me this wass correct i would get a credit and wouldnt have a payment until november for a small portion of the normal amount so i said ok i'll make that payment so they sent me the amount i owed in the mail i once again called to verify the amount and was told yes thats all you owe. I made the payment and assumed that everything was straight. Almost Two months later on 10/26/2010 i got two notices saying that i was behind in my payment for 2 months and if i didnt bring my account up to date my truck would be reposed. So i called and spoke to Tracy Amanda And Ms. Candou and they all said to me oh we did tell you that and sent you the notices saying you didnt owe and yes we gave you a credit but we put it towards your interest if i over paid in inteerest why would you put it back to interest that makes no since I guess i really pissed them off becausae after only speaking to me for two years they allof a sudden cant speak to a third party about someone else's loan its my husband what are you talking about and when did this start then you'll shopuld be fired because you always speak to me and give me his information with out asking me to verify anything!!!!! Wow did they get upset and started to yell and scream and tell me not to call abck so my husband called back and they still told him even through we were sent that letter we still needed to come up with late fee's payment and if we couldn't and they had to put our account in deferment it would cost us an extra 135.00 for their mistake this is not good buisness practices going on someone dropped the ball badly they didn't even try to call me to let me know they made an mistake on my account then they want me to make the rest of nov. payment with a late fee and its not even due until the 15 of the month.why should i pay any late fee's for their error and why didn't you let me know sooner then 2 months later by mail. Now I am receiving harrasing calls all day from Tracey and the chain gang know i dont avoid the calss i answer and tell them to leave me alone you'll get your money when i get it . This would not be going on if you'll didn't make a mistake. Did anyone get this notice and if so what was your experience\r more

I have never experienced such harrasment in my life. Tracey has called my cell phone and home for over 20 times in one day. When she didn't get a reply she called most of my references and told them that she needed a contact number regarding my car payment. She drilled them as if they signed a contract. I told them because the car needed major repairs from the first 30 days that I was running behind but will not go over 30 days. This wasn't good enough which I understand. I agree with the other reviews you should go on and answer because she will call your job, your friends and the gas station attendant to find you but once you make a promise follow thru with it to keep her from telling your business to family and friends. Its embarrasing. You can avoid it by paying on time. You should never have a hardship when dealing with this company because they want their money. I haven't had the pleasure of speaking with Ms. Cando. I hope that I will be on time so Im not the topic of conversation at the family reunion. Pros: Offer 2nd Chance loans Cons: Rude more

All I had were problems, they were not understanding if you became sick and not get paid. I wouldn't recommend dealing with them. more

I HAVE HAD NO PROBLEMS WITH HAMPTON ROADS FINANCE. MRS. K. CANDO IS SUCH A WONDERFUL PERSON TO DEAL WIH, SHE WILL HELP YOU ANYWAY SHE CAN. I'M GLAD THAT I HAVE HAD THE OPPURTUNITY OF WORKING WITH HER. THANK YOU SO MUCH FOR HELPING ME THROUGH EVERYHING. I'VE NEVER HAD A PROBLEM. WE NEED MORE PEOPLE LIKE YOU IN THESE BUSINESSES MAYBE PEOPLE WOULD WANT TO PAY THERE DEBT. more

It has been more than just the ride. I have truely enjoyed working with everyone espically Ms. Jones. Every one at Hampton Rosds Finance work with me to see this loan through. No one have ever been rude or too out spoken. Every one has been kind and more understanding than I could have ever ask for. \r This is one ride I have enjoyed. I will tell everyone I know thats thinking about getting anything to call the ones that stand above all the rest. Hampton Roads Finance love you. It has been more than just a ride. Pros: The cost of the ride more

my credit is bad and I needed a car. This group took a chance on me.At first is t was hard payments so high. I went to them and asked them what i could do. I changed my date (yes I paid the difference for the new due date) I then asked if I could spilt the payments up. Yes , I set up auto draft, so I would never be late. And my payments are 100.00 less then what I had at first. DON'T HIDE from them , just talk, no yelling, this is a nad time for all of us and they will work with you, Make the first step call them. My car has one more year and I can show I paid that off with no lates. Pros: Work with them more

OPEN MONDAY TO FRIDAY 9-5 FOR PAYMENTS.\r 24 - 7 FOR LATE FEES AND INTEREST.\r \r TO BAD THE RECORDING THAT CALLS EVERYDAY CAN'T TAKE A ""VERY IMPORTANT PAYMENT"" AND SAVE THE VERY IMPORTANT MESSAGE. \r \r ALMOST LOOK FORWARD TO MY JOHNNY CASH MESSAGES, NOT. Cons: 9 TO 5 - ""ATTENDENT UNAVAILABLE"" more

I financed my car with HRFC and can say that I have never had a better experience with a loan. The manager Mr. Rich was very helpful when I ran into a problem. I made my payments relatively on time and they reported my account to the credit bureau which helped me increase my credit score. If you need car financing and have had previous credit problems, use HRFC. Pros: courteous, helpful, understanding more

I HAD TO CALL THE MAIN NUMBER AND ASK FOR THE MANAGER TO GET AN INTELLIGENT HUMAN. I COMPLAINED ABOUT THE TWO ""ACCOUNT REPS"" ATTITUDES AND LACK OF PROFESSIONALISM. SHE LISTENED ASKED ABOUT MY ISSUE, CONFIRMED SHE HAD IT RIGHT AND PROPOSED A SOLUTION. SHE REFERED TO ME BY MRS., APPOLOGIZED THAT I HAD A BAD EXPERIENCE. SHE LAUGHED WHEN I ASKED WHERE SHE GOT THE TWO UPPITY ONES WORKING THERE AND SAID ""SAME PLACE WE GET OUR CUSTOMERS, FROM REAL LIFE"". I GUESS THATS RIGHT! I ASKED IF I COULD DEAL ONLY WITH HER THEN BECAUSE NO DOUBT SHES LOOKING TO HELP. SHE DID GIVE ME HER DESK NUMBER (BUT PROMISED THAT EVERYONE THERE COULD HELP ME IT DIDN'T NEED TO BE HER) \r IF THAT WERE THE CASE I WOULD NEVER HAVE HAD TO CALL FOR THE MANAGER - RIGHT?\r P.S.\r DON'T EVEN BOTHER EXPLAINING YOUR ISSUE TO THESE TWO. (TRACY AND AMANDA) THEY DON'T LISTEN. AFTER THEY PUT YOU ON HOLD (TO DO THEIR NAILS NO DOUBT) THEY COME BACK TO TELL YOU WHAT YOU ""CAN'T"" DO. OR TRY TO EMBARRASS YOU. OBVIOUSLY NOT ABLE TO LISTEN OR FOCUS OUTSIDE THEIR OWN SPHERE. Pros: MANAGER Cons: AMANDA AND TRACY - LISTEN ING TO THE CUSTOMER more

I just got off the phone the lady manager. And what i had been dreading didn't come true. I lost my joband havnt kept up the car paments. i sent in what i could when i could and everytime i did i got calls saying it was never enough. \r because it wasnot a whole payment. \r \r i stopped answering cause i still aint got the monies. \r well after tonight i am glad i talk to the manger. she called my gramma to get me on the phone, which made me mad but i see now she couldnt help cause i wasnt calling back. she gave me 2 referments for the pass due months so i could catch up.\r \r I thought she would be all up in my face and busness and repo the car or threaten me the way others do but didnt. i explained she listened. \r \r what she says sounds true and she is pushy but she cleard up my questions was not rude or mean even when she told me what she couldnt do or what could happen if i didnt do nothing.\r \r SO........... TRUE DAT they really try to help if you let them. Pros: 2nd chance loans Cons: high interst more

Getting the loan easy. Making the payments on time not so much. What system overload, payment by the due date or it is considered late. What is th grace period for?\r LIKE IT OR NOT- they are right. They didn't FIX MY CREDIT, I DID. (They just made me participate) \r I had credit cards, student loans, medical bills plus colections and judgments. I paid (most of the time) but on MY schedule not neccessarily the companys. Every company put that on the credit report. Not one, not a single one of the credit comapnies ever took time to say ""you can pay late if you want to we'll make more money off you!"" Hampton Roads Finance did. They said right up front in the paperwork that they were giving the loan not beacuse I was a good creidt risk but in spite of the fact that I was not. The paper with the contract said right on it ""we care how you pay and expect you to pay on time or call Before you are late"" When you talk to the people at their office they say the same thing and I respect that. I have been late and benn on the ""dark side"" , I guess hearing the ""lecture"" all those time must have sunk in because calling in before hand if I have a problem DID MAKE A DIFF I learned - these people are for real, and want to be on my team. Paying on time meant making ME wait (not the bills) when I was out of money NOT spending my bill money on date night or whatever.\r I want to buy a house some day and that means ""bad credit/bad house or no house"" OR ""good credit/nice house"" SO I read the others saying the loan company is mean or heartless. They havent been so far to me. But I have $12000 of their money. I am paying it back - I'm not the guy whining about why they owe me 16 options to pay them back, or the lady whos mad because she couldnt skip her car payment to buy xmas presents or the other crazys who don't knnow the diff between the car lot and the bank. ""sales people nice!!!/loan people mean!!!"" give me a break. The salesman would kiss your dogs butt if it meant selling the car! The loan company never even met me and paid down $12k. What's mean about that? Pros: Help when you need or ask for it Cons: High rates more

These people are the most unprofessional and non courteous people I've ever come across in my entire life. They lie just to prove a point, and hate to be proven wrong. They will hold an constant vendetta against you if you do so. They speak to you as if you are a child and obviously have not come across the right person. If they continue in the manner in which they're heading, they will have some serious lawsuits on their hands. That's a promise. Pros: Pros? Cons: Do you have a year or two? more