Medical expenses for my 85 year old mother and 3 previously bad sales years caused me to file bankruptcy in May 07. In doing so, I reaffirmed on an auto loan with HondaFinancial.Also, during this time period I changed from a regular bank to my company's credit union continuing to make payments to Honda. Apparently during the banking switch one of my car payments did not go through. I still am unable to figure out exactly what happened, however my CU does not send notices to keep costs down to its members. I was totally unaware of the missedHondapayment until I got a collection call fromHonda in late October 07, telling me I was one payment past due. I told the collection rep I had not missed any payments and that she must be mistaken. She said "oh, I see now that the missedpayment is actually from June. I said June, its now late October. She said that because of the bankruptcy they were not allowed to contact me about any payments. I asked couldn't you even send a written notice?? She said they were not allowed to send statements during that time period. My discharge date was October 07. I told the Honda collection rep that I would try to pay extra to cover the arrears, but under the circumstances of trying to get current on 2 student loans and my mortgage payment, I doubt that I could come up with and extra car payment that quickly. I was already working 2 jobs to get caught up. The collection rep said that she was sorry but that the collection calls would escalate.Escalate they did. Honda proceeded to dun me at work and at home. I finally had to ask them not to call me at work. I was sending extra on the missed June payment to get it caught up. I planned to pay the remaining arrears in March 08 with my upcoming bonus check from a good sales year. Shortly after I asked them to stop calling me at work -"Shanita" at Hondarepossed the vehicle for not even one complete payment!! Mind you I had been trying to pay extra on the payment since I was notified of it in October 07.The recovery center for Ohio is in Elgin, Il. Calling there to find out about the whereabouts of the vehicle was an exercise in futility. I asked for a supervisor and got Christa-ext 4084.
I have never, ever been spoken to so harshly and treated so rudely before in my life. As traumatic as this was already, "Christa told me that this was my fault and that I needed to pay my bills. I told her for gods sake the payment was from June and I didn't know anything about it until October she replied "they are under no obligation to let me know anything". It is my responsibility. She was nasty and augumentative.The recovery rep Lisa Howard was just as bad. Her replies to my questions made me feel like I was on Mission Impossible. The day they picked up the car I was on my way to make a payment (which I always Money Wire) I asked this rep "how do I get my car back"? she said well I cant tell you anything until I get the file back from the rep who repossed it, but it should be by the end of the business day. But she added---it wont be just for the amount that's past due. Okay, by now I've missed one days work from my full time and part time jobs-no car.My "right to cure" the default totalled 2269.72. One partialpayment, one regular payment (that I was ready to pay) $25 of the $325 repo costs (the rest added to the end of my loan) plus 2 additional security payments. Also, the regular March payment would be due as scheduled---GRAND TOTAL 2839.24. Excessive amounts by anyone's measure. When I asked Ms. Howard if we could reduce these amounts and work something out- She replied"you have no options". If you dont pay it your car will be sold. Do these reps eat bones for breakfast?I have told everyone and anyone who would listen to me not to ever buy a Hondavehicle and certainly not to finance it through Hondafinancial.This is predatory treatment at best. If I intended not to pay for the vehicle I would not have reaffirmed on it. Do you know how many offers you receive to buy a brand new car directly after bankruptcy?? It is easier than pie. My car purchase was a 2006 used Honda.
I am still numb and reeling from the treatment I have received, this outrageous no option "right to cure" plan and for being talked to and treated like scum.What I no for sure is they have lost the potential interest on this loan for good. When I get the car back it will be refinanced with lightening quick speed.
No one deserves to be treated this way.Do not use HondaFinancial. I am still reeling from this As soon
although i have been lucky from what i have read about honda financial---chrysler financial is just as bad. my mom is the primary and i am the cosigner on my loan-my mom filed chapter 13 about a year ago- chrysler finanical refuses to send my monthly statement-but on more then one converstaion have told me they would be sending them again since i was the one paying the loan and i wasnt involved in the bankruptcy----i cant seem to get anywhere with getting my statements please if anyone knows how or even if i can recieve these statements let me know
Ok, I'm just going to give anybody out there advice. If you are past due on your loan they will tow you! Granted, you have to be quite late. Maybe 2 or 3 payments. As I posted earlier, they towed my car when I least expected it. I filed for bankruptcy to get my car back. My lawyer called ALL DAY today to get my car back and they avoided her!!! They put her on hold for over an hour. Now I have to wait until Monday! Don't let them have a chance to repo your car. If your significantly behind then I would advise you to either get caught up QUICK or file bankruptcy. If they repo your car you will have an extremely hard time getting it back! Don't even bother calling them cause those people are trained to be rude and show no sympathy. I would not refer them to anybody.
I do have to admit they are very rude. My account is 1 month past due and you try to work with them but they don't want to hear it. I get a notice in the mail stating my payment is past due and "if you are unable to pay this amount please call so we can make other arrangements" so I asked the rep if I can make other "arrangements" she said No so I told her "then your company needs to take that off of my statements"! Why do they do that if they are not willing to help
This JUST happened to me! My Civic was repo'd early early Sunday morning (They always do it while your sleeping). I called first thing this morning and they said I had to pay off the whole car!!!!!!!!!! I then decided to just declare chapter 13 bankruptcy because of that and other things. My lawyer told me I will get my car back within 10 days. If you have another car then I wouldn't advise you to do this, but I am a college student and i'm only 22, but I have many years of college so I don't mind.
This almost happend to me. I converted from a chap 13 to a 7 and the trustee stop paying them. I waited 2 months nothing from the lawyer or Honda. When I call they refuse to speak to me said the attorney has not returned their calls. I was then told I had to pay $1906 to get my account current before they would consider a reaffirmation. I did 2 months ago sent them a notice from the attorney giving them the right to speak with me, it 2 monts now I am steady paying every day still no reaffirmation agreement.
6. Written by Allan in San Diego, on 28-03-2008 04:28
Companies are very sensitive to widespread publicity of their foibles. Many local TV stations have investigative reporters who are willing to bring such treatment to the attention of their viewers; if you could find such a reporter to contact Honda Financial, I'm guessing their attitude toward your case would change dramatically.
contact all you like, their care is eaxtly as posted in the primary article.With so many folks unable or unwilling to work on getting current, you would certainly think that these companies would be more service friendly. Instead, they are if not criminal in their behavior..darn close. Perhaps current lending issues will prompt a revamp of the entire system..wouldn't that be novel.
8. Written by joes Mother Linda, on 24-03-2008 22:32
my husband co-sighned for son joe, he demanded NOT co BUYEr,specially not BUYER! they altered documents 2 months later.It took Honda this Long to get the financeing,and changed the deal # and everything,they flipp flop Dealer/ Credit at Honda Credit/Dealer..to date no response.THEY are scandelous!
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Don't let them have a chance to repo your car. If your significantly behind then I would advise you to either get caught up QUICK or file bankruptcy. If they repo your car you will have an extremely hard time getting it back! Don't even bother calling them cause those people are trained to be rude and show no sympathy. I would not refer them to anybody. 
I do have to admit they are very rude. My account is 1 month past due and you try to work with them but they don't want to hear it. I get a notice in the mail stating my payment is past due and "if you are unable to pay this amount please call so we can make other arrangements" so I asked the rep if I can make other "arrangements" she said No so I told her "then your company needs to take that off of my statements"! Why do they do that if they are not willing to help 
