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
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